1, a suite of 400,000 yuan, down payment120,000 yuan, loan of 280,000 yuan, total principal and interest repayment 10 year, monthly payment of 29,904,438+0 yuan, and total principal and interest repayment of 358,848.73 yuan; The maximum monthly repayment amount of average capital is RMB 3,535.00, and the total repayment amount is RMB 352,700.83.

2. Calculation formula:

Matching principal and interest: monthly repayment amount = [principal × monthly interest rate× (1+monthly interest rate) repayment months ]/( 1+ monthly interest rate) repayment months-1]

Average capital: monthly repayment of principal and interest = (principal/repayment months)+(principal-accumulated repaid principal) × monthly interest rate.

3. At present, if the country cuts interest rates and the loan is used to buy a house, you can go to the bank to understand the relevant policies.