For some friends who just bought a new house, how to calculate their down payment and monthly payment is a headache. Let's talk about buying a new house again What about your down payment and monthly payment?

First of all, the average capital repayment method: monthly payment = (loan principal ÷ repayment months)+(loan principal-accumulated repaid principal amount) × monthly interest rate. Monthly repayable principal = loan principal ÷ repayment months. Monthly interest payable = residual principal × monthly interest rate = (loan principal-accumulated principal repayment amount) × monthly interest rate. Monthly decreasing amount = monthly repayable principal × monthly interest rate = loan principal ÷ repayment months × monthly interest rate.

Total interest = [(total loan ÷ repayment months+total loan × monthly interest rate)+total loan ÷ repayment months ×( 1+ monthly interest rate) ]> 2× repayment months-total loan. Monthly interest rate = annual interest rate12? 154 =15×15×15 (the fourth power of15, that is, four times15).

There is also a second-hand house. The down payment of the second-hand house is 30% of the bank's appraisal price, and the monthly payment = loan amount (ten thousand yuan) * repayment coefficient. 2. The down payment of the first-hand house is 30% of the transaction price, and the monthly payment = loan amount (ten thousand yuan) * repayment coefficient.