The loan is 390,000 yuan, 30 years, what is the monthly loan interest, what is the monthly loan interest, what should be paid back every month, what should be paid back every year, which is more cost-effective, the equal principal and interest or the average capital, and how to calculate the interest.

Different banks choose different loans, and the loan interest will be different. The standards implemented by banks are not exactly the same, but they all fluctuate according to the interest rate standards stipulated by the state.

There are two repayment methods: average principal and equal principal and interest. Different repayment methods will generate different interest.

Different loan options have different interest rates. The common commercial interest rate of mortgage is relatively high, and the interest rate of provident fund loan is relatively low. If you use a credit card, the interest rate will be different.

1, mortgage (commercial loan)

1. Equal principal and interest

Matching principal and interest: the total monthly repayment amount is fixed, in which the principal part increases month by month and the interest part decreases month by month.

Calculation formula of equal principal and interest: monthly repayment amount = principal * monthly interest rate *( 1+ monthly interest rate) * loan months /( 1+ monthly interest rate) * repayment months-1.

Monthly interest rate = annualized interest rate/12

65,438+0,390,000 yuan divided into 30 years. If the annual loan interest rate is 4.60%, the total interest is * * * 329,752.69 yuan, the total repayment is 7 19752.69 yuan, and the monthly payment is 1.999.3 1 yuan.

23,900, 30 years. If the annual loan interest rate is 4.9%, the total interest is * * * 355 140.32 yuan, the total repayment is 745 140.32 yuan, and the monthly payment is 2069.83 yuan.