The loan amount is 300,000 yuan and the loan period is 30 years. If the interest rate is calculated according to the benchmark interest rate, the monthly repayment amount is 1592. 18 yuan. If the interest rate goes up or ~

What's the interest on a 30-year loan of 23,000 yuan?

The repayment methods of "equal principal and interest" and "average capital" are adopted respectively; ?

Annual interest rate =4. 1%, monthly interest rate = annual interest rate/12=0.34 17%?

1. "Equal principal and interest" method?

Formula monthly repayment amount = loan amount and monthly interest rate /[ 1-( 1 interest rate)-repayment months]?

Monthly repayment amount = 3000000.3417%/[1-(10.3417%)-240]?

Monthly repayment amount = 1, 833.85 yuan?

Total repayment amount = 440 124.33 yuan?

Total interest = 140, 124.33 yuan?

Second, the "average capital" approach?

(1), is it a down payment?

Formula First repayment amount = loan amount [( 1/ total number of months) monthly interest rate]]

Down payment = 300,000 [(1/240) 0.3417%)]?

Down payment = 2275438+00 yuan?

(2) Calculate the monthly decline?

Formula Monthly Decline = Loan Amount/Monthly Total Interest Rate

Monthly decrease = 300,000/2,400+07%

Monthly decreasing amount =4.27 yuan

(3) Calculate the total interest and repayment?

Formula total interest = 1/2 monthly interest rate of loan amount (1 total number of months)?

Total interest =1/2300000.3417% (1240)?

Total interest = 123524.55 yuan?

Total repayment = 423,524.55 yuan?

Result:?

"Matching principal and interest" method, the monthly repayment is 1, 833.85 yuan, and the total repayment is 440 yuan 124.33 yuan. ?

"Even cost" method, the first repayment amount is 2275438+00 yuan, and then it will decrease by 4.27 yuan every month; The total repayment amount is 423,524.55 yuan. ?

"Equal principal and interest" will save interest of 16599.78 yuan compared with "equal principal and interest".

How much is a 300,000 loan for 30 years!

Based on the annual interest rate, the loan interest rate is 7.05%.

Repay the principal and interest of 2005.99 yuan per month.

The accumulated interest returned is 42,265,438+058.4 yuan.

Accumulated repayment of principal and interest is 72,265,438 yuan +058.4 yuan.