Monthly repayment amount (monthly principal and interest) = loan principal x monthly interest rate x[( 1+ monthly interest rate) repayment months ]/([( 1+ monthly interest rate) repayment months ]- 1)

2。

2. Calculation formula of average capital loan:? Monthly repayment amount (monthly principal and interest) =? (loan principal/repayment months)+(principal-accumulated repaid principal) x monthly interest rate. Later, the amount gradually decreased.

For example, there is a stable income of 8 Zhou Yue, and the loan is 420,000 yuan. According to the consumer loan, the monthly interest is 1%, and the monthly interest is 37316; Loan repayment ratio = 37316/80000 = 46.6%; No more than 50%. If the monthly interest rate is 2%, the monthly interest rate is 39715; Loan repayment ratio =397 15/80000=49.6%.

Extended data:

Precautions for bank loans:

1, do not use the provident fund before applying for a loan.

If the borrower withdraws the balance of the provident fund to pay the house payment before the loan, then the balance of the provident fund in the provident fund account is zero, and the amount of the provident fund loan is zero, which means that he will not apply for a provident fund loan.

2. Don't repay the loan in advance in the first year.

According to the relevant provisions of provident fund loans, part of the prepayment should be made after one year of repayment, and the amount returned should exceed the repayment amount of six months. You need to pay a certain penalty for prepayment.

Don't forget to find the bank around you when you have difficulty in repaying the loan.

When the repayment ability of the debt declines during the loan period and it is difficult to repay, don't insist on it yourself. Customers can apply to the bank to extend the loan period. After investigation by the bank, it is true and there is no default in repaying the principal and interest of the loan. The general bank will accept the application for extending the loan term.

4. Don't forget to inform the rental obligation after the loan.

When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing. So as not to cause unnecessary trouble.

Don't forget to cancel the mortgage after the loan is paid off.

After paying off all the loan principal and interest, you can cancel the mortgage at the district/county real estate trading center where the real estate is located with the bank's loan settlement certificate and the real estate certificate of the collateral.

6. Don't lose the loan contract and IOUs.

To apply for a mortgage loan, the loan contract and iou signed by the bank and itself are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.