1, average capital method: loan principal: 100000 yuan, loan term: 15, assuming annual interest rate: 4.900%; Total principal and interest payable: 136954. 17 yuan, total interest: 36954.438+07 yuan; The annual interest is 2463 yuan.
Among them, the principal in the first month is 555.56, and the interest in the first month is 408.33; The first month * * * also: 963.89; Since then, the repayment of the principal has been the same every month, and the interest has decreased slightly every month.
2. Average capital method: loan principal: 65,438+000,000 yuan, loan life: 65,438+00, assuming annual interest rate: 4.900%; Total principal and interest payable: 124704. 17 yuan, total interest: 24704.438+07 yuan; The annual interest is 2470 yuan.
Among them, the principal in the first month was 833.33 yuan and the interest in the first month was 408.34 yuan; * * * in the first month: 124 1.67 yuan; Since then, the repayment of the principal has been the same every month, and the interest has decreased slightly every month.
First, the meaning of average capital
Average capital refers to a repayment method of loans. During the repayment period, the total amount of loans is divided into equal parts, and the same amount of principal and interest generated by the remaining loans of the month are repaid every month. In this way, because the monthly repayment amount is fixed and the interest is less and less, the borrower is under great pressure to repay at first, but as time goes on, the monthly repayment amount is less and less.
Second, the average capital calculation formula
The biggest feature of the average capital method is that the monthly repayment amount is different, showing a state of decreasing month by month; It is to evenly distribute the loan principal according to the total number of repayment months, plus the interest of the remaining principal in the previous period, thus forming the monthly repayment amount, so the repayment amount of the average capital method is the largest in the first month, and then decreases month by month, and the less the more, the calculation formula is as follows:
Monthly principal and interest repayment amount = (principal/repayment months)+(principal-accumulated repaid principal) × monthly interest rate.
Monthly principal = total principal/repayment months
Monthly interest = (principal-accumulated principal repayment) × monthly interest rate
Total repayment interest = (repayment months+1)× loan amount× monthly interest rate /2.
Total repayment amount = (repayment months+1)× loan amount× monthly interest rate /2+ loan amount.
Note: In the average capital method, the amount of principal returned by a person every month is always the same, and the interest decreases with the decrease of the remaining principal, so the monthly repayment amount gradually decreases.