In the part of provident fund loan, first take your provident fund card to consult the bank where your provident fund is located to see how much money you have in your provident fund card and how much money you can borrow at most. As your provident fund loan, the calculation of monthly payment is the same as that of ordinary commercial loans, but the interest rate is lower.

For commercial loans, the total amount of loans MINUS the amount of provident fund loans is regarded as the amount of commercial loans.

If equal principal and interest repayment is adopted, the provident fund loan of 500,000 yuan for 360 months (30 years) will be repaid from April 1965, 438+03, then it will be repaid in March 2043; According to the adjustment and fluctuation of the national benchmark interest rate and the following information provided by you, the total repayment of the loans spent in these 360 months is 955,308.1yuan, and the total interest of the loans spent is 455,308.438+0 yuan;

From April 20 13, calculated at the annual interest rate of 4.9%, until March 2043, the monthly contribution was 2,653.63 yuan; During this period, the total monthly payment was 955,308.1yuan, and all the loans were paid off.