The calculation method of mortgage loan is as follows:
1. The calculation method of equal principal and interest is as follows:
Monthly repayment amount = loan principal × [monthly interest rate× (1interest rate) repayment months ]≤[( 1 interest rate) repayment months-1]
Total interest paid: total interest = repayment months × monthly repayment amount-loan principal
Monthly interest payable = loan principal × monthly interest rate ×[( 1 monthly interest rate) × repayment months? -( 1 interest rate) repayment month serial number-1] [(1interest rate) repayment months-1]
Monthly repayment principal = loan principal × monthly interest rate ×(65438+ 10 interest rate) repayment month serial number-1÷[(65438+ 10 interest rate) repayment months-1]
Total interest = repayment months × monthly repayment amount-loan principal.
2. The average capital is calculated as follows:
Monthly loan amount = (loan principal ÷ repayment months) (loan principal-accumulated repaid principal) × monthly interest rate.
Monthly repayable principal = loan principal ÷ repayment months
Monthly interest payable = residual principal × monthly interest rate = (loan principal-accumulated amount of repaid principal) × monthly interest rate.
Monthly decreasing amount = monthly repayable principal × monthly interest rate = loan principal ÷ repayment months × monthly interest rate.
Total interest = repayment months × (total loan × monthly interest rate-monthly interest rate × (total loan ÷ repayment months) (repayment months-1)÷2)? [ 1]
Second, the calculation formula of mortgage interest rate?
A: The calculation formula of mortgage interest rate is as follows:
1, daily interest rate = annual interest rate (%)÷360= monthly interest rate (‰)÷30.
2. Monthly interest rate (‰) = annual interest rate (%)÷ 12.
3. If the interest period is a whole year (month), interest = principal × year (month )× year (month) interest rate.
4. If the interest period has a whole year (month) and a number of days, interest = principal × number of years (months) × interest rate principal × number of days × daily interest rate.
Third, how to calculate the mortgage?
The housing loan coefficient for 20 years is 6 1.43 yuan per 10,000 yuan per month, and1105.74 for 80,000 yuan; 1.6 million yuan is 982.88.
Fourth, the mortgage calculation method
The calculation method of mortgage loan is as follows:
1. The calculation method of equal principal and interest is as follows:
Monthly repayment amount = loan principal × [monthly interest rate× (1monthly interest rate) repayment months-1]
Total interest paid: total interest = repayment months × monthly repayment amount.
Monthly interest payable = loan principal × monthly interest rate? -(65438+ 10 monthly interest rate 1)[65438+ 10 monthly interest rate) repayment months-1]
Monthly repayment principal = loan principal × monthly interest rate ×(65438+ 10 monthly interest rate )× repayment month serial number-1÷[(65438+ 10 monthly interest rate )× repayment months.
Total interest = repayment months
2. The average capital is calculated as follows:
Monthly loan amount = (loan principal ÷ repayment months) (loan principal-accumulated repaid principal) × monthly interest rate.
Monthly repayable principal = loan principal ÷ repayment months
Monthly interest payable = residual principal × monthly interest rate = (loan) × monthly interest rate.
Monthly decreasing amount = monthly repayable principal × monthly interest rate = loan principal ÷ repayment months × monthly interest rate.
Total interest = repayment months × (total loan × monthly interest rate-monthly interest rate × (total loan ÷ repayment months) (repayment months-1)÷2)? [ 1]