First calculate the first question. According to your loan method, you need to repay 2590.96 yuan per month. In the first three months, the monthly repayment principal is 1653.46 yuan, 1659.66 yuan and 1665.88 yuan, and the monthly repayment interest is 937.50 yuan and 9365438+.
Secondly, as far as I know, the amount of prepayment exceeds 50,000 yuan, that is, you can offset it at one time instead of 6,000 yuan, but you can deduct 2,590.96 yuan every month, and you won't pay back the money for several months, that is, you can actually repay 1 590.96 yuan every month, and another 1 0,000 yuan can be offset by the housing provident fund. Of course, since it cannot be offset at one time, there is no problem of recalculating the principal and interest. Look up the formula by yourself and directly search for "equal principal and interest".
If I were you, what would I do? I will take a loan for 30 years and repay it with average capital, because I will pay more interest, but if I spend more time, I can earn more money. If I take 30 years, your monthly repayment will only be 227.7438+0 yuan (and 1000 yuan provident fund). Why is it longer? Your loan interest rate is 4.5%. At present, the interest rate of bank wealth management products is 5~6%. Do you think you can make money? There is also the current online loan market, which invests in the credit assets of trusts and large companies (a good platform and good projects are the key, and we can't just pursue high returns), and the return on purchase is generally around 10%. This kind of risk is relatively low, and the company will not close down for no reason. Is this making money? In other words, as long as the interest rate does not exceed 7%, the longer the repayment, the better.