The calculation method of the latest mortgage in Shanghai is as follows: monthly payment = 200,000 *75.48= 1509.6 yuan. 200,000 yuan means (loan amount) and 75.48 means (the amount of debt service per 10,000 yuan in 20 years is different in different years). This is only the interest rate for buying a house for the first time. If you buy a house for the second time, it should be: 10,000 yuan for 20 years.

Calculation of housing loan interest: loan amount x annual interest rate x years. At present, the down payment of general mortgage is at least 30% of the house price (provident fund loan/\' target = \' _ blank \' > Provident fund loans) or 20% (commercial mortgage loans). According to everyone's actual situation, you can choose provident fund loans, commercial loans or a combination of the two. Provident fund interest rate 1-5 years 3.33%, 5-30 years 3.87%. Commercial (mortgage) loan interest rate 1-5 years 4.03%, 5-30 years 4. 16% (after 30% discount). Interest algorithm: loan amount x annual interest rate x years.