1, equal principal and interest repayment method monthly payment = [loan principal × monthly interest rate ×( 1+ monthly interest rate) repayment months ]=[( 1+ monthly interest rate) repayment months-1], equal principal and interest repayment method means that the principal and interest are the same every month and are repaid every month.
2. Average repayment method: monthly repayment amount = (loan principal ÷ repayment months)+(loan principal-accumulated repaid principal) × monthly interest rate. Matching principal repayment means that the principal repaid every month is unchanged and the interest is decreasing by stages.
Taking mortgage as an example, according to the benchmark interest rate of the central bank, the annual interest rate of commercial loans over five years is 4.90%; The annual interest rate of provident fund loans for more than five years is 3.25%, and the monthly loan of 654.38+0.4 million is calculated as follows:
I. Commercial loans
1, repayment method of matching principal and interest10.4 million loan, with monthly payment of 743,038+07 yuan for 30 years.
2. The average capital repayment method is 6,543,800 yuan+0,400 yuan, which is 9,605.56 yuan in the first month of 30 years, and then decreases month by month.
Second, provident fund loans.
1, repayment method of matching principal and interest10.4 million loan, with a monthly payment of 6092.89 yuan for 30 years.
2. The average capital repayment method is 6.5438+0.400 million yuan, which is 76.8056 yuan in the first month of 30 years, and then decreases month by month.