Matching principal and interest method: the total loan amount is 20006.550%, the loan term is 15 years, the monthly repayment amount of principal and interest is 1747.72 yuan, and the total repayment amount is 3114589.6 yuan. . (without considering the adjustment of interest rate in the middle)
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The number of return months is 36 months; * * * Pay the interest of 36,898.03, * * Pay the principal of 260 19.89, and the remaining principal of173,980.6438+01.
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At present, the paid interest accounts for 32.2% of the total interest payable, and the paid interest is only about one third. It is more cost-effective to pay off in advance.
2. The loan principal and interest of CCB is 200,000 yuan, with a term of 15 years. How can early repayment be cost-effective?
Matching principal and interest method: the total loan amount is 200,000, assuming that the annual interest rate is 6.550% and the loan period is 65,438+05. The monthly repayment amount of principal and interest is 1747.72 yuan, the total repayment amount is 3 14589.6 yuan, and the * * repayable interest is 16544. . (without considering the adjustment of interest rate in the middle)
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The number of return months is 36 months; * * * Pay the interest of 36,898.03, * * Pay the principal of 260 19.89, and the remaining principal of173,980.6438+01.
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At present, the paid interest accounts for 32.2% of the total interest payable, and the paid interest is only about one third. It is more cost-effective to pay off in advance.
Three, CCB principal and interest goods 65438+200 thousand in 2005, when is it cost-effective to repay the loan in advance?
According to the products of the bank, is there any penalty? How long has it been since the repayment? No punishment. In fact, the same amount of principal and interest has to be paid back sooner or later, depending on whether there is any liquidated damages.
4. The loan principal and interest of CCB is 200,000 yuan, with a term of 65,438+05 years. How to repay in advance is cost-effective?
Matching principal and interest method: the total loan amount is 200,000, assuming that the annual interest rate is 6.550% and the loan period is 65,438+05. The monthly repayment amount of principal and interest is 1747.72 yuan, the total repayment amount is 3 14589.6 yuan, and the * * repayable interest is 16544. . (without considering the adjustment of interest rate in the middle)
The number of return months is 36 months; * * * Pay the interest of 36,898.03, * * Pay the principal of 260 19.89, and the remaining principal of173,980.6438+01.
At present, the paid interest accounts for 32.2% of the total interest payable, and the paid interest is only about one third. It is more economical to pay off in advance.