The annual interest rate is 4.5%, the monthly interest rate is 4.5%/1230,000, and the monthly repayment for 30 years (360 months) is 3,000,004.5%/12 (14.5%/5%/12) 360. The monthly interest rate is 6.8%/ 1230000, and the monthly repayment is 3012 (16.8%/12) 360/[(16.8%/).

Second, what is the interest of the loan for 300,000 years?

Under normal circumstances, only the mortgage can be used for 30 years. If the loan is 300,000 years, the interest is related to the loan type, loan interest rate and repayment method.

1, based on commercial loans and interest rates (4.9%)

Matching principal and interest repayment, with total interest of 273184.86; Repay average capital with interest totaling 22 1 1 12.5 yuan.

2. The central bank based on provident fund loans and interest rates (3.25%).

Matching principal and interest repayment, with total interest/kloc-0 170022.82；; Equal principal repayment, with total interest 146656.25 yuan.

As can be seen from the above, the repayment interest of equal principal and interest is higher than the average capital. However, the pressure of monthly payment in the early stage of equal principal repayment is greater.

3. A commercial loan of 300,000 yuan will be paid off in 30 years. How much will it be paid back every month? What is the total interest for 30 years?

The loan principal is 300,000 yuan, with a term of 30 years. According to the benchmark annual interest rate of China People's Bank for loans of more than 5 years (including 5 years) of 4.90% (unchanged), the repayment method of principal and interest is equal, with the monthly payment of 65,438+0592,438+08, the total repayment amount is 57,365,438+084.86, and the total interest is.