Under the equal principal and interest repayment method, the monthly repayment coefficient of each loan of 10000 yuan is = month, mortgage months)/(power (1 monthly interest rate, mortgage months)-1) 10000.9. 0.9 is the benchmark bank will be different, if it is a second suite, according to the current regulations, it should be floating 10%, that is, 1. 1.

Second, how to calculate the monthly supply coefficient?

Monthly payment = 1 monthly interest rate (1 monthly interest rate) loan months /[( 1 monthly interest rate) loan months-1]

Note: The number of loan months is the number of loan months.

The so-called mortgage coefficient refers to the monthly repayment amount of every ten thousand yuan under a certain interest rate level and period. Based on the current benchmark interest rate of 7.05% and the loan term of 65,438+00 years, the mortgage coefficient is:

100007.05%/ 12 ( 17.05%/ 12) 120/[( 17.05%/ 12) 65438+

Monthly deferred interest payment refers to the monthly repayment amount that the lender should pay to the lending bank during the repayment period when purchasing commercial houses and motor vehicles by bank mortgage, including principal and corresponding interest.

At present, the repayment methods of mortgage loans in China are: one-time repayment with a loan term of 1 year, and equal principal and interest repayment with a loan term exceeding 1 year.