1. Calculation formula of principal repayment?

loan principal refers to the amount of money borrowed by the borrower from the lender. The loan principal does not include the expenses (for example, the interest you need to pay for insurance). There are two ways to repay the loan principal, one-time repayment and installment repayment. One-time repayment is to return all the principal and interest to the lender at the end of the loan cycle. Installment repayment will be divided into interest and interest in each installment.

principal loan

monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate

and when the interest rate is low:

For example, the loan is RMB 12,, with an annual interest rate of 4.86

, with equal principal and interest: RMB 151,75.84 will be repaid after 1 years, with total interest of RMB 317.84. The total interest is 29,43. yuan

The difference between them is 2,347.84 yuan /1 years, and the difference is only 235 yuan

For example, the loan is 12, yuan, with an annual interest rate of 4.86%, and the repayment year is

with equal principal and interest: 187,846.98 yuan after 2 years, and the total interest is 678

average capital: IOUs, receipts and debts are generally recognized as principal. In advance, the people should recognize the actual loan amount as the principal.

article 28? After the settlement of the principal and interest of the previous loan, the borrower and the borrower will include the interest in the later loan principal and re-issue the creditor's rights certificate. If the previous interest rate does not exceed the interest stated in the creditor's rights certificate issued by the one-year loan at the time of the establishment of the contract, it should not be considered as the later loan principal.

if the sum of the principal and interest payable after the expiration of the period mentioned in the preceding paragraph exceeds the sum of the interest calculated by the initial loan principal and four times the quoted interest rate of the one-year loan market at the time of establishment, the people will not support it.

brief summary:

how to calculate the loan principal? The loan principal refers to the amount of funds borrowed by the borrower from the lender. The loan principal does not include any expenses (such as insurance premium, evaluation fee, etc.) that need to be spent in the process of borrowing. These expenses, like the interest you need to pay, belong to the loan cost. There are two ways to repay the loan principal, one-time repayment and installment repayment. One-time repayment is to return all the principal and interest to the lender at the end of the loan cycle. There will be multiple repayments in installment repayment, and the principal and interest of repayment will be allocated to each installment repayment.

iii. How to calculate the loan principal

The loan principal refers to the amount of money borrowed by the borrower from the lender. The loan principal does not include any expenses (such as insurance premium, evaluation fee, etc.) that need to be spent in the process of borrowing. These expenses, like the interest you need to pay, belong to the loan cost. There are two ways to repay the loan principal, one-time repayment and installment repayment. One-time repayment is to return all the principal and interest to the lender at the end of the loan cycle. There will be multiple repayments in installment repayment, and the principal and interest of repayment will be allocated to each installment repayment. Calculation formula of principal loan: monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate. When the interest rate is low, for example, the loan is 12, yuan, with an annual interest rate of 4.86%, and the repayment period is 1 years, with equal principal and interest: 151,75.84 yuan after 1 years and total interest of 31,75.84 yuan. average capital: 14,95.84 yuan after 1 years. The total interest is 29,43. yuan. The difference between them is 2347.84 yuan /1 years, and the difference is only 235 yuan in one year. For example, the loan is 12, yuan, with an annual interest rate of 4.86%, and the repayment period is 2 years. The equal principal and interest: 187,846.98 yuan after 2 years, and the total interest is 67,846.98 yuan. average capital: 178,563. yuan after 2 years. The loan amount specified in the creditor's rights certificates such as IOUs, receipts and IOUs is generally recognized as the principal. If interest is deducted from the principal in advance, the people shall recognize the actual amount lent as the principal. Article 28? After the borrower and the borrower settle the principal and interest of the previous loan, they will include the interest in the later loan principal and reissue the creditor's rights certificate. If the previous interest rate does not exceed four times the quoted interest rate of the one-year loan market when the contract is established, the amount stated in the reissued creditor's rights certificate can be recognized as the later loan principal. The excess interest shall not be recognized as the later loan principal. According to the calculation in the preceding paragraph, if the sum of the principal and interest that the borrower should pay after the expiration of the loan period exceeds the sum of the interest of the whole loan period based on the initial loan principal and calculated at four times the quoted interest rate of the one-year loan at the time of the establishment of the contract, the people will not support it. Summary: How to calculate the loan principal? The loan principal refers to the amount of funds borrowed by the borrower from the lender. The loan principal does not include any expenses (such as insurance premium, evaluation fee, etc.) that need to be spent in the process of borrowing. These expenses, like the interest you need to pay, belong to the loan cost. There are two ways to repay the loan principal, one-time repayment and installment repayment. One-time repayment is to return all the principal and interest to the lender at the end of the loan cycle. There will be multiple repayments in installment repayment, and the principal and interest of repayment will be allocated to each installment repayment.

iv. how to calculate the interest of loans in average capital?

calculation formula of equal principal and interest: [loan principal × monthly interest rate × (January interest rate) repayment months] ÷ [(January interest rate) repayment months-1] average capital calculation formula: monthly repayment amount = (loan principal ÷ repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate, where the symbol indicates the power. For example, suppose that the principal is 1, yuan, the bank loans for 1 years, and the benchmark interest rate is 6.65%. Compare the differences between the two loan methods: the monthly interest rate of equal principal and interest repayment method = annual interest rate ÷12=.665÷12=.5541667 monthly repayment principal and interest = [1× .541667× (1.541667) 12] ÷ [ Average capital repayment method of 52, yuan: monthly repayment amount = (loan principal ÷ repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate = (1, ÷ 12) (1,-accumulated amount of repaid principal) ×.5541667 first-month repayment of 138.75 yuan, with a monthly decrease of .462 yuan.