Interest = principal interest rate, number of interest-bearing periods. If you borrow 500,000 yuan, 1 month, the annual interest rate is 5. 135%, and the corresponding interest at maturity is 5,000,005.135%/12 = 2139.58 yuan.
How much is the monthly mortgage loan of 500 thousand?
First of all, answer directly.
Suppose the borrower applies for a mortgage loan of 500,000 yuan with a loan interest rate of 4.65%, which will be repaid in ten years.
Second, the specific analysis
If the repayment method of equal principal and interest is selected, the interest and principal I * * * is 62,665,438+077.97 yuan, the total interest paid is 65,438+02,665,438+077.97 yuan, and the monthly payment is 5,265,438+08.1.
According to the repayment method of average capital, the interest and principal are 6 172 18.75 yuan, the total interest paid is 1 172 18.75 yuan, and the first monthly payment is 6104./kloc. The monthly principal is 465,438+066.67 yuan, and the interest in the first month is 65,438+093.50 yuan, and then the monthly interest is reduced by 65,438+06.15 yuan.
This is just a comparison of different loan policies. The specific choice of repayment method depends on the specific situation, but also on your own income, repayment pressure, investment expectations, investment returns and other factors.
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Third, how much can I borrow from the bank with a real estate license?
How much money you can borrow with a real estate license mortgage is not fixed.
Looking at the current market value of the house, there are more loans with land use certificates than those without land use certificates. The calculation formula of the loan amount calculated according to the house price is: loan amount = house price × loan ratio.
How much is the 30-year interest on a 500,000 mortgage?
After 1.20 1 1 year, the benchmark annual interest rate of commercial loans of banks with a term of more than five years is 6.6%, and the loan is 500,000 yuan with a term of 20 years, with equal repayment of principal and interest, and the monthly repayment is 3,757.36 yuan. The total amount of debt service and interest in 20 years is 9,065,438 yuan+0,766.49 yuan, and the total amount of interest is * *. Repay according to the equal principal, with a monthly repayment of 4,833.33 yuan (principal of 2,083.33 yuan and monthly interest of 2,750 yuan). After that, the monthly principal is 2083.33 yuan, and the interest is gradually decreasing. The monthly repayment is decreasing. The total amount of debt service and interest in 20 years is 8,365,438+0,375.00 yuan, and the total amount of interest is 3,365,438+0,375 yuan.
2. According to the current benchmark interest rate of commercial loans for more than five years of 6.55%,
1, the loan lasts for 30 years. Based on the loan interest rate of 4.65%, we assume that the interest rate will remain unchanged in the future, and the repayer has been repaying the loan on time without overdue. According to the calculation formula of equal principal and interest: monthly repayment amount = [loan principal × monthly interest rate ×( 1 interest rate )× repayment months ]=[( 1 interest rate )× repayment months].
If you substitute the figures into the ascending formula, you can know that the 500,000 mortgage will be paid off in 30 years, and the interest will be 428 146.26 yuan.
In addition to this method, some people will choose the method of average capital to repay the loan. The calculation formula is: monthly repayment amount = (loan principal ÷ repayment months) calendar (principal-accumulated amount of repaid principal) × monthly interest rate. Through calculation, we know that the total principal and interest that should be paid is 8497 18.75 yuan, and the 30-year interest is equal to 849718-500000 = 349718 yuan.
3. In fact, regardless of other factors, the final repayment amount of the average capital method and the equal principal and interest method is different. By comparison, we know that if the average capital method is adopted, the total interest expenditure will be nearly 80 thousand less than that of the equal principal and interest method. However, the average capital method also has some disadvantages, that is, the pressure of early repayment is relatively large, and with the passage of time, the repayment amount will decrease every month in the future.
Mortgage interest In fact, mortgage interest depends on the loan interest rate, repayment method and time, because the interest calculated by different repayment methods is different. At present, the annual interest rate of loans for 5-30 years (including 30 years) announced by the People's Bank of China is 4.9%, and the following is calculated according to this interest rate.
With the interest rate unchanged, the repayment period of the mortgage is 500,000 years, the total interest is 455,308.1yuan, and the monthly repayment amount is 26,533.63 yuan. If the principal is repaid in equal amount, the total interest is 368,520.83 yuan, and the repayment amount in the first month is 3,430.56 yuan, which decreases month by month.