Matching principal and interest repayment method: Matching principal and interest repayment method is the most commonly used repayment method for banks with stable income. This repayment method is to add up the total principal and interest of mortgage loans and then repay them to ordinary people. The proportion of fixed principal increases month by month and the proportion of interest decreases month by month. For example, the loan is 200,000 yuan and the repayment period is 20 years. According to the current interest rates of most banks, the method of matching principal and interest is chosen, and the monthly repayment is about 1376.9 yuan. The total repayment amount is 330,000 yuan, of which the interest payment is 13. The borrower pays the same interest every month, which is especially suitable for people with stable income who buy a house and live in it. Economic conditions do not allow excessive investment in the early stage. Equal principal repayment: suitable for people with higher income at present. In addition to the equal principal and interest repayment method, average capital repayment method is also a common method to repay the mortgage, and the borrower can gradually reduce the burden with the increase of repayment period. This repayment method distributes the principal to each month and pays off the interest between the last repayment date and the current repayment date. For example, if you need to borrow 200,000 yuan from a bank, and the repayment period is 2%, choose the average capital method. At the initial stage of repayment, the monthly repayment amount in the first year is about 1700 yuan; The last one hundred yuan or so. The total repayment amount of the average capital method is 365,438+0,000 yuan, of which the amount of interest paid is 65,438+0,654,38+0,000 yuan. The characteristic of average capital repayment method is that when the borrower starts to repay the loan, the monthly burden is heavier than the equal principal and interest. But with the passage of time, the repayment burden will be gradually reduced. Compared with the equal principal and interest method in the same term, the average capital repayment method will have more advantages after the interest rate rises. According to the regulations of most banks now. If the borrower intends to repay in advance, the average capital repayment method is also a good choice. Equal increase (decrease): the flexible equal increase repayment method and equal decrease repayment method refer to the interval and amount of increase or decrease repayment agreed by investors with banks when handling personal housing commercial loan business; In the initial period, repayment shall be made at a fixed amount; After that, the monthly repayment method is based on the interval and the corresponding increase or decrease. Where the interval is at least 1 month. It subdivides the repayment period, and in each subdivision unit, the repayment method is equivalent to the equal principal and interest. The difference is that the repayment amount of each time division unit may be increased or decreased equally. Take the loan of 654.38 million yuan and the term of 10 year as an example. If the repayment is increased by equal amount, it is assumed that 10 year is divided into five equal stages. As long as 700 yuan is above in the first two years, the monthly loan may be increased to 900 yuan in the second year and to 1 10 in the third year. Equal reduction is just the opposite. In the first two years, you need to pay more 1.300 yuan per month, and then decrease the 200 yuan every two years until it is reduced to more than 700 yuan per month in the last two years. Fixed-rate loans are not cost-effective. The equal incremental method is suitable for people with weak repayment ability at present, but it is expected to increase gradually in the future. On the contrary, if the expected income decreases, or the current economy is affluent, you can choose to reduce it by an equal amount. Repaying the principal and interest on schedule: It is suitable for real estate investors to "repay the principal and interest on schedule", that is, the borrower sets different repayment time units for the repayment of the loan principal and interest through consultation with the bank. That is, decide to repay once a month, quarterly or annually. In fact, according to different financial conditions, the borrower collects the money to be repaid every month and pays it back together for several months. It is reported that at present, China Merchants Bank is the bank that adopts the method of repaying principal and interest on schedule. After consultation with the bank, the borrower of the principal repayment plan will repay the principal at least 65,438+0,000 yuan each time, and the interval between two repayments will not exceed 65,438+0.2 months, and the interest can be repaid monthly or quarterly. For example, for a loan of 200,000 yuan with a term of 10 year, the borrower can repay the interest and principal respectively, and the interest is still repaid monthly and quarterly, and the amount is decreasing. According to the regulations, the borrower must repay the principal for at least six months at a time, that is, 10000 yuan, and the next repayment of the principal cannot exceed one year. According to bank financial experts, the method of repaying principal and interest on schedule is suitable for people with unstable income and self-employed businessmen. At present, it is more difficult for small and medium-sized enterprises to borrow a sum of money from banks with housing mortgage than to apply for working capital loans from banks through enterprises themselves. Therefore, some people who have enough one-time payment to buy a house still choose a mortgage. However, it is understood that at present, many young property buyers also have a tendency to choose the method of paying interest and principal on schedule.

2. The mortgage of 300,000 yuan will be repaid in 15 years. In the first three years, the principal and interest will be equal, and the monthly repayment will be 255. ...

Matching principal and interest repayment, the monthly repayment amount is fixed, including the interest and principal payable each month. Equal principal repayment, the monthly repayment principal is fixed, plus the interest payable. As for cost-effectiveness, under the same conditions, the total interest repaid by the average capital method is less than the equal principal and interest, which is the advantage of the average capital. However, the monthly payment of average capital in previous years is higher than the matching principal and interest, so the initial repayment period is under great financial pressure, which is a shortcoming of average capital. If the repayment is made in advance and paid off within three years, there is no difference in the final total interest between the two methods. If it takes more years to pay off, then the average capital method is more cost-effective. Give a simple example and compare it. Suppose the loan is 240 thousand, 20 years. Matching principal and interest, monthly repayment: 1736.09 yuan, and the total principal and interest due is 4 166 1.77 yuan. In the average capital, 2224 yuan is paid in the first month, then it will be reduced by 5. 1 yuan every month, and 1005. 1 yuan will be paid in the last month. The total amount of principal and interest due is 387,492 yuan. It should be clear which is cost-effective. Whether it is cost-effective to repay in advance depends on how much principal you have repaid when you repay normally. The more principal you repay, the less interest you will generate, and the more appropriate it is for you to repay in advance. In the last example, the principal is repaid by matching the principal and interest in the first month, and then the principal is increased by 2.6 12.09 yuan almost every month. In this way, the principal you repay in five years is 35,345.1yuan, which is less than 15% of the total loan principal, so you still need to repay a lot of principal when you repay in advance. In the repayment law of average capital, you have to repay the principal 1 1,000 yuan every month. Five years later, you have repaid the total principal of 60,000 yuan. If you repay in advance, there will be much less repayment. It's relatively simple, I hope you can understand it. If in doubt, you can ask again.

What is the monthly loan of 300,000 yuan in 3.3 years? Which is more cost-effective for mortgage principal and interest?

300,000 years. If calculated according to the annual loan interest rate of LPR 4.65%, the total interest is * * * 2 1.99 1.28 yuan, the total repayment is 32 1.99 1.28 yuan, and the monthly payment is 8,944.20 yuan. I think it will be more cost-effective to choose the repayment method in average capital.

The bank loan is 300,000 yuan, which will be repaid in three years. What are your interests?

Matching principal and interest method: loan principal: 300,000 yuan, assuming annual interest rate: 4.750%, loan life: 3 years; Monthly repayment amount of principal and interest: 8,957.63 yuan, total repayment of principal and interest: 322,474.68 yuan, * * interest payable: 22,474.68 yuan.

The interest paid in 1 month is:1187.5; The first 1 month principal repayment is: 7770.438+03; Since then, the monthly interest repayment amount has decreased and the principal has increased.

(without considering the adjustment of interest rate in the middle)