Loan amount: 200,000 yuan
Loan term: 10 year
The commercial loan interest rate is 6.55%
Monthly repayment of the benchmark interest rate: 2276 yuan (principal: 1666.66 yuan, interest: 609.33 yuan). Total principal and interest for ten years: 273 120 yuan.
10% off the benchmark interest rate: 2209.8 yuan (principal: 1666.66 yuan, interest: 543. 14 yuan). Total principal and interest for ten years: 265 176 yuan.
Provident fund loan 200,000 yuan
Loan 10 year
The interest rate is 4.5%
Monthly repayment: 2072.8 yuan (principal: 1666.66 yuan, interest: 406.5438+04 yuan). Total principal and interest for ten years: 248,736 yuan.
I hope it helps you!
Second, how to calculate the monthly mortgage loan for purchasing commercial real estate?
Matching principal and interest repayment method: monthly repayment amount = [loan principal× monthly interest rate× (1interest rate) repayment months ]=[( 1 interest rate) repayment months-1] monthly interest payable = loan principal×) repayment months -(65438+) repayment months- ÷ (repayment month serial number -65438× monthly interest rate Monthly repayment principal = loan principal ÷ repayment month months repayment interest principal-cumulative repayment principal amount )× monthly interest rate decreasing = monthly repayment principal × monthly interest rate ÷ repayment months× monthly interest rate Total interest = [(total loan amount ÷ repayment months total loan amount× monthly interest rate) Total loan amount.
3. What is the interest on the commercial loan of the house?
If you apply for a personal commercial loan in China Bank, you can check our benchmark interest rate through the RMB loan interest rate table in our portal "Financial Data"-"Deposit and Loan Interest Rate". For details, please contact the official service hotline of China Bank at 95566. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.