To calculate the loan interest, besides knowing that the loan principal is 6,543,800 yuan and the loan term is 654.38+ 0 years, we also need to know the loan interest rate and repayment method.

Second, the loan interest rate.

At present, the benchmark loan interest rate of 1 year is 3.65%. Suppose the bank's loan interest rate rises by 55 basis points on the basis of LPR, and the loan interest rate =3.65%+(55*0.000 1)=4.2%.

Third, the repayment method

When the loan term is 65,438+0 years, the common repayment methods are average capital, equal principal and interest, and interest before principal. The calculation formulas of the three methods are as follows.

1, average capital: interest =( 12+ 1)* loan principal * monthly loan interest rate /2.

2. Matching principal and interest: interest = 12*[ loan principal * monthly interest rate *( 1+ monthly interest rate)12]; [( 1+ monthly interest rate) 12- 1].

3. Interest before principal: interest = loan principal * loan annual interest rate.

Fourth, the specific calculation

Number of loan repayment periods =1*12 =12; The monthly loan interest rate =4.2%/ 12=0.35%.

1, the average capital interest = (12+1) *100000 * 0.35%/2 = 2275 yuan;

2. Equal principal and interest =12 * [10000 * 0.35% * (1+0.35%)12]; [( 1+0.35%)65433。

3. Interest before principal = 100000*4.2%=4200 yuan.

Verb (abbreviation of verb) calculation and analysis

As can be seen from the calculation results, when the loan interest rate is determined, after the bank loan of 65,438+10,000 yuan is repaid first, the interest generated by this repayment method is the highest, and the interest generated by the repayment method of equal principal and interest and average capital is less, so when we choose the repayment method, we can give priority to the repayment method of average capital, so that the interest generated by the loan is the least; Although only the current interest is paid every month after interest, the total interest generated by the loan is close to twice that of the other two repayment methods, which is not cost-effective.