1. There is no interest on mobile phone installment, and it is not allowed. Generally, it is about 5~6% of the total amount, which is the so-called handling fee. According to different shops, each period varies from 1% to 4.5% according to the length of the staging.

2. Pay the handling fee every month. The calculation method is: transaction amount x (1 ~ 4.5)% transaction amount ÷ number of periods = monthly payment amount.

3. Buying a mobile phone by stages is generally 500 to 600 higher than the price of a mobile phone. Installment payment is mostly used for some product transactions with long production cycle and high cost. Such as the export of complete sets of equipment, large vehicles and heavy machinery and equipment. Installment payment means that after the import and export contract is signed, the importer pays a small part of the payment to the exporter as a down payment, and most of the rest is paid in installments after part or all of the products are produced and shipped, or after the goods are installed, debugged, invested and guaranteed. The buyer and the seller sign a contract at the time of transaction, and the buyer pays the goods and services to the seller in installments within a certain period of time. The date and amount of each payment are stated in the contract in advance.

Second, how to calculate the interest on installment purchase?

Buying a house by stages means that you can get the right to use the house by paying part of the money first, and the rest should be paid off year by year within the prescribed time limit. How to calculate the installment payment for buying a house? You can pay 30% or 50% of the house price in installments, and the rest will be paid within the prescribed time limit. Because of the interest of buying a house by stages, the total expenditure of buying a house by stages is more than the total expenditure of buying a house in full.

Mortgage repayment generally consists of two repayment methods: equal principal and interest and average principal.

Take 1 10000 as an example:

1. The five-year interest rate of commercial loans is 4.033 (30% lower than the preferential interest rate), and the monthly repayment amount per 10,000 yuan is 184.5438+0.

110,000 yuan is returned to 2027.4438+the annual bank interest in 0 yuan is 4,435.2 yuan.

Two: after six years of loan, the annual interest rate is 4. 158 (down 30%), and the monthly repayment amount per ten thousand yuan in 10 is 102.00 yuan.

1 10000 yuan is paid back to 1 122 yuan every month, and the annual bank interest is 4573.8 yuan.

If each bank has different restrictions on prepayment, it is necessary to pay a sum of money. Please consult the loan bank for details.

Third, how to calculate the interest on buying a house by installment?

Calculate how much it will cost to decorate your home. When buying a commercial house, many people can't pay the full amount at one time, so they will choose to borrow from the bank. We usually have to pay a certain bank interest when we borrow money to buy a house. So how is the interest on buying a house by installments generally calculated? Next, Bian Xiao will briefly introduce it to you.

1. What's the interest rate of the house loan? It is usually related to the bank's interest rate. Generally speaking, the interest rate of long-term commercial loans for banks over five years is 4.9%, and the interest rate of loans for provident funds over five years is 3.25%. When we make a commercial loan, the bank will adjust the interest rate according to whether we buy the first house or the second house. For example, some banks will give a 10% discount on the purchase of the first suite.

2. Generally, banks calculate our mortgage interest according to the product interest method or transaction interest method. The interest calculation formula of the transaction-by-transaction interest calculation method is: interest = accumulated interest accumulation × daily interest rate. Daily interest rate = annual interest rate /360. Cumulative interest product usually refers to the total amount of our daily balance.

3. If the bank calculates the interest of our mortgage on a case-by-case basis, and our interest period is exactly the whole year or the whole month. Then interest = principal × annual (monthly )× annual (monthly) interest rate. If the interest period is not a whole month or a whole year, we can calculate interest according to the actual number of days, that is, interest = principal × actual number of days × daily interest rate.

4. When repaying the mortgage, generally choose the repayment method of equal principal and interest or the repayment method of average capital. Their monthly interest is calculated in different ways. If it is the repayment method in the average capital, the monthly interest rate = the monthly interest rate of the remaining principal. In case of equal repayment of principal and interest, monthly interest = loan principal × monthly interest rate × [( 1 interest rate )× repayment months -( 1 interest rate) (repayment month serial number-1)] ÷ [(1interest rate )× repayment months.

Bian Xiao concluded: Bian Xiao would like to introduce the calculation of interest on buying a house by stages. If you want to know how much interest the bank housing loan should pay, you can also ask the bank staff to help us calculate it.

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Fourth, how to calculate the interest on buying a house by installment?

If you apply for a personal housing loan at China Merchants Bank, the "interest" is calculated according to the total loan amount, loan term, execution interest rate, repayment method and other factors. You can go to the home page of China Merchants Bank and click "Personal Loan Calculator" on the right to calculate interest, principal balance, total interest, total repayment and other information).