The amount is 300,000 yuan, the term is 30 years, and the monthly interest is 4.2‰. For example, it should be 16 17. 18 yuan every month. At the end of 30 years, * * * paid a total of 582,402.10 yuan to the bank, and the overpayment was 2,568+00 yuan.
. Every month, one is the interest of the month and the other is the principal. The monthly interest rate of the loan for 30 years is 4.2‰. Of the 16 17.8 1 yuan paid in the first month, the interest paid is 1260 yuan (
300,000× 4.2 ‰ =1.260 yuan), the principal is16654,38+07.81-kloc-0/260 = 357.81yuan, and the remaining loan principal is 299,642. In the second part.
Of the monthly repayment of 16 17.8 1 yuan, the interest paid is 1258.50 yuan (2996642.19× 4.2 ‰ =1258.50 yuan).
2996642.19-359.5438+0 = 299282.88 yuan. The interest and principal of repayment in the next few months will be analogized in turn. It can be seen that the interest is decreasing month by month, but the principal is increasing month by month. At the beginning of the loan, pay
The vast majority of banks are interest, and most of them are principal in the later period. Some people want to pay off their loans in advance if they are able to repay them, or they want to pay more and less interest in the future. banker
Scholars believe that in the first few years of repayment, due to the large principal base and heavy interest burden, if borrowers want to repay in advance, they should strive for more in the early stage of the loan, such as paying off 50 thousand yuan in one lump sum.
654.38+ ten thousand yuan, etc. The reduction of the principal base can reduce the interest. In the later period, the principal base is small and the interest is naturally small. At this time, it is of little significance to advance. For example, repayment after the 60th month (that is, after 5 years).
The remaining loan principal is 27564 1.89 yuan. If you want to pay off the loan in advance, you only need to pay off the remaining principal of 27564 1.89 yuan. Experts remind: when lending, be careful not to choose too long a term, because the term.
The longer the time, the stronger the interest. But if the term is too short, the monthly repayment amount will be larger. Therefore, when making a loan, you should calculate the loan term according to your repayment ability to avoid paying high interest.