1, the calculation method of equal principal and interest. Calculation formula: monthly repayment amount = monthly interest rate of principal [( 1 interest rate) n/[( 1 interest rate) n- 1] where n represents the number of loan months and n represents the power of n, such as 240 represents the power of 240 (20 years and 240 months of loan).

2. Interest before calculation method. Calculation formula: monthly repayment amount = principal /n monthly interest rate of remaining principal, and total interest = monthly interest rate of principal (loan months /20.5).

Second, the housing loan calculator method

If you want to try to calculate the information such as "monthly payment/loan interest" as a reference, please go to the home page of China Merchants Bank and click "Financial Calculator" on the right to try to use the benchmark interest rate of the current loan for trial calculation.

If you are going to apply for a personal housing loan in China Merchants Bank, the comprehensive pricing based on the business type, personal solvency, credit status, guarantee method and other factors you apply for can only be determined after approval by the handling outlets.

Third, how to get the mortgage calculator?

/cms/calc_list.php, choose what you need. Everything is fine.