Housing loan is a loan issued by the bank to the borrower for the purchase of ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. 1. Calculation of expected annualized interest rate of average capital loan (basically principal: interest = 1: 3) Annual interest payable: 270,000 (yuan ~ loan amount) * Annual expected annualized interest rate) *20 (year) =a (yuan) Annual total principal and interest payable: 270,000 (yuan ~) 4. First month interest: 270,000 yuan (RMB ~ loan amount) * expected annualized interest rate per month) = d (RMB) 5. First month principal: C (RMB) -d (RMB) =e (RMB) Note: Until all loans are paid off, the monthly principal will remain unchanged, which is the source of the average capital name. 6. Interest for the second month: 270,000 yuan (yuan ~ loan amount) -e (yuan) =f (yuan) (loan amount minus repaid principal) f (yuan) * expected annualized interest rate per month) =g (yuan) 7. Repayment in the second month: e (yuan ~ principal) +g (yuan) =h (. Note: Please note that the monthly repayment amount is RMB in descending order. Compared with the equal principal and interest, the average capital still pays interest first, but the ratio of interest to principal in monthly repayment is reduced. In other words, let you repay the principal more every month and fix the amount of the principal, so that the interest paid every month will be reduced accordingly, which is why the average capital is under great pressure at the initial stage of repayment. 2. Calculation of the expected annualized interest rate of the loan with equal principal and interest 1. First month repayment: 200,000 yuan * quick calculation table coefficient) = yuan) Note: The monthly repayment amount will remain unchanged until the repayment is completed. 2. First month interest: 200,000 yuan (RMB ~ loan amount) * expected annualized monthly interest rate) =840 yuan (RMB) 3. Principal of the first month) -840 yuan (yuan) = yuan) 4. Interest for the second month: 200,000 yuan (RMB ~ loan amount) = RMB) (loan amount minus repaid principal) Note: Please note that the monthly interest is reduced by RMB and the principal is increased by RMB, which is the so-called equal principal and interest. In other words, the reduction of monthly interest is basically equal to the increase of principal. Three. Comparison of the above two repayment methods (calculated in three months) 1. The average capital will be repaid in RMB * * * in three months, including RMB interest and RMB principal. 2. Three-month repayment of principal and interest equal to RMB * * *, including interest RMB and principal RMB. Note: Comparatively speaking, the interest rates of the two methods are similar, but the equal principal and interest, less principal, reduce the monthly repayment amount, which is the reason for the final interest difference between the two methods. Attachment: Expected annualized interest rate of mortgage: after provident fund, after commercial loan 1-5, expected annualized interest rate of deposit 1-5: current March, one year, two years, three years and five years, expected annualized interest rate of loan: June (inclusive), June to one year, three years, three years and more than five years. Matching principal and interest repayment method refers to the equal repayment of loan principal and interest every month within the loan term. Matching repayment formula of principal and interest: monthly repayment amount = loan principal * monthly expected annualized interest rate * (65,438+0+monthly expected annualized interest rate) total repayment months/((65,438+0+monthly expected annualized interest rate) total repayment months-65,438+0) Average repayment method refers to equal repayment of loan principal every month, and loan interest follows the principal and interest month by month. Clear the law according to the principle of benefit. The total interest paid is less than the equal principal and interest method. Formula for repayment of equal principal: monthly repayment amount = loan principal/total repayment months+(loan principal-accumulated repaid principal) * monthly expected annualized interest rate, in which: accumulated repaid principal = loan principal/total repayment months * Note: commercial agency loans and provident fund loans are calculated at different expected annualized interest rates. 2. Equal monthly loan principal and interest method: total interest = principal × expected annualized interest rate ×( 1+ expected annualized interest rate) loan months (1+ expected annualized interest rate)-1 average principal method: current monthly repayment = (.