It must be a loss.

Suppose that the loan of 200,000 yuan is a one-time repayment of principal and interest. At present, the interest rate of five-year fixed deposits in banks is 4.75% (floating 10%), and the annual interest rate after floating is 5.225%. At present, the annual interest rate of bank loans for more than five years is 6.55%, assuming that the loan interest rate will remain unchanged during these 20 years.

1 200,000 yuan loan interest for 20 years.

Calculated by simple interest:

200,000 * 6.55% * 20 = 262,000 yuan. (Banks will not calculate according to simple interest, but must calculate according to compound interest. )

Calculated by compound interest (once a year):

200000 * [(1+6.55%) 20-1] = 511375.78 yuan.

2.20-year deposit interest of 200,000 yuan (automatically transferred in 5 years):

200000 * [(1+5.225% * 5) 4-1] = 306098.11yuan.

As can be seen from the above calculation, the loan of 200,000 yuan is 20 years, and the deposit is 20 years. When the same "compound interest calculation" is adopted, the interest is 205,277.67 yuan (loss).

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