Agricultural Bank of China bought a house loan of 270,000 yuan. The first house. Ask how much you need to pay back every month for 30 years. How much is it per month if it is divided into 20 years? Thank you. According to the current market situation, the loan interest rate of the first home is basically based on the benchmark interest rate. When banks or some banks with better policies have preferential interest rates for vip customers (at present, the lowest interest rate is 15% off the benchmark interest rate), the calculation is as follows:

Use benchmark interest rate:

1, CNY 270,000.00, term 30 years, interest rate = benchmark interest rate =6.6000%.

Average capital: the initial monthly repayment amount is 2235.00 yuan; Total interest due after 30 years: 268,042.50.

Matching principal and interest: the monthly repayment amount is 1, 724.38; Total interest due after 30 years: 350,776.37.

2. The loan CNY is 270,000.00, the term is 20 years, and the interest rate = benchmark interest rate =6.6000%.

Average capital: the initial monthly repayment amount is 2,665,438+00.00; Total interest due after 20 years:178,942.50.

Matching principal and interest: the monthly repayment amount is 2028.97; Total interest due after 20 years: 2 16953438+0.

15% discount on interest rate:

3. The loan CNY is 270,000.00, the term is 30 years, and the interest rate = benchmark interest rate *85%=5.6 100%.

Average capital: the initial monthly repayment amount is 2,065,438+02.25; Total interest due after 30 years: 227,836.38+03.

Matching principal and interest: the monthly repayment amount is 1, 551.72; Total interest due after 30 years: 288,665,438+07.84.

4. The loan CNY is 270,000.00, the term is 20 years, and the interest rate = benchmark interest rate *85%=5.6 100%.

Average capital: the initial monthly repayment amount is 2387.25; Total interest due after 20 years: 152, 10 1. 13.

Matching principal and interest: monthly repayment 1, 874.5438+01; Total interest due after 20 years: 179.786.44.

* Note: Average capital &; Matching principal and interest are two different repayment methods.

The initial monthly repayment amount of average capital is large, and the monthly exchange amount is decreasing.

The equal monthly principal and interest are fixed, and the interest expenditure is relatively high.

If you have enough monthly income and plan to repay in advance, I suggest you choose the repayment method in the average capital.

The above is for reference and I hope it will help you.