Matching principal and interest method: loan principal: 370,000 yuan, assuming annual interest rate: 4.900%, loan life: 20 years; Monthly principal and interest payable: 24,265,438+0.44 yuan, total repayment with principal and interest: 5,865,438+065,438+045.6 yuan, * * Interest payable: the interest paid in 1 month is15/kloc- The first 1 month principal repayment is: 910.61; Since then, the monthly interest repayment amount has decreased and the principal has increased. Average capital method: loan principal: 370,000 yuan, loan term: 20 years, assuming annual interest rate: 4.900%; Total principal and interest payable: 552,055.42, total interest:182,055.42; Among them, the first month's principal 154 1.67, and the first month's interest1510.83; The first month * * * also: 3052.5; Since then, the repayment of the principal has been the same every month, and the interest has decreased slightly every month. Mortgage loan, also known as mortgage loan. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract. Housing loan Personal housing loan refers to a loan issued by a bank to a borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. Entrusted loan Personal housing entrusted loan refers to the loan granted by the bank to individuals who purchase ordinary housing with housing provident fund deposits as the source of funds according to requirements. Also known as provident fund loans. Self-operated loans Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan. Portfolio loan Personal housing portfolio loan refers to a loan issued to the same borrower from the housing provident fund deposit and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loan and self-operated loan. In addition, there are housing savings loans and mortgage loans. Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc. Loan amount: 80% of the value of the loanable property after being audited by the bank. Mortgage down payment: 30% down payment for the first home mortgage loan and 50% down payment for the second home mortgage loan. Loan life: 30 years for first-hand houses and 20 years for second-hand houses. At the same time, the loan period plus the applicant's age must not exceed 70 years old. Loan interest rate: the benchmark interest rate of the first home loan for more than five years is 6.55%, and the interest rate of the second home loan is 7.26% when the benchmark interest rate rises 1. 1 times.
2. How much is the Pudong Development Fund150,000 yuan universal fund divided into 36 installments?
Loan principal: 150000,
Monthly interest rate: 1.00%,
Loan term: 36 months:
The monthly repayment amount of equal principal and interest method is: 4982438+05 yuan,
The total repayment amount is: 179357.4 yuan,
* * * Interest payable: 29,357.4 yuan.
3. The loan of Shanghai Pudong Development Bank in 2065438+2006 was 370,000 yuan, which is the average capital style and will be repaid every year for 20 years. ...
2065438+In 2006, Shanghai Pudong Development Bank made a loan of RMB 370,000, in the form of average capital. In 20 years, the monthly payment in 10 is 65438+3052.5 yuan, and the monthly payment is reduced by 6 yuan.
Every year, it should pay 36,564 yuan, 20 yuan * * * interest182,055.42 yuan.
Four, 2065438+2006 Shanghai Pudong Development Bank mortgage of 370,000 yuan is the average way of funding, and how much money will be repaid every year for 20 years, with interest * * *.
In 2065438+2006, Shanghai Pudong Development Bank made a loan of RMB 370,000.00 Yuan, in the form of average capital, with the 6 yuan decreasing every month in 5 yuan for 20 years.
Every year, it should pay 36,564 yuan, 20 yuan * * * interest182,055.42 yuan.