If the three-year benchmark interest rate is 4.75%, the repayment method of equal principal is selected, and the total interest paid is 14645.83 yuan, and the first monthly payment is 6347.22 yuan; February 6325.23 (yuan); On March 6, 303.24 (RMB) was reduced month by month, and the repayment method of equal principal and interest was selected, with a total interest of 65,438+04,983.23 yuan and a monthly repayment amount of 59,765,438+0.76 yuan.
Extended data:
Repayment method
You can choose one-time repayment and installment repayment (equal principal and interest, average principal).
One-time principal and interest payment method
Also known as the one-time repayment method, it means that the borrower does not repay the principal and interest on a monthly basis during the loan period, but pays the principal and interest in one lump sum after the loan expires. Recently, the People's Bank of China issued a personal housing loan with a term of 1 year (including 1 year), which adopted this method. At present, the bank stipulates that the loan period is within one year (including one year), so the repayment method is a one-time repayment of principal and interest, that is, the principal of the initial loan plus the interest of the whole loan period. The calculation formula of one-time repayment of principal and interest is as follows:
One-time repayment amount = loan principal ×[ 1+ annual interest rate (%)] (loan term is one year)
One-time repayment of principal and interest at maturity = loan principal ×[ 1+ monthly interest rate (‰ )× loan term (month)] (loan term is less than one year)
Where: monthly interest rate = annual interest rate12.
If the housing provident fund loan is 6,543,800 yuan and the loan period is 7 months, the one-time repayment of principal and interest is:
10000 yuan × [1+(4.14% ÷ 65438+February) × July] = 1024 1.5 yuan.
Average capital plus interest
Matching principal and interest refers to a repayment method of housing loans, that is, repaying the same amount of loans (including principal and interest) every month during the repayment period.
The calculation formula of monthly repayment amount is as follows:
[loan principal × monthly interest rate ×( 1+ monthly interest rate) repayment months ]=[( 1+ monthly interest rate) repayment months-1]
Average capital
It is to divide the total loan into equal parts during the repayment period, and repay the same amount of principal and the interest generated by the remaining loans in the month every month. In this way, because the monthly repayment amount is fixed and the interest is less and less, the lender is under great pressure to repay at first, but with the passage of time, the monthly repayment amount is less and less.
Calculation formula of average capital loan:
Monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.
Microfinance and low interest rates:
For example, the loan is 6.5438+0.2 million yuan, with an annual interest rate of 4.86% and a repayment period of 654.38+00 years.
Matching principal and interest:1repayment after 0 years 15 1750.84 yuan, with total interest of 3 1750.84 yuan.
Average capital:1repayment after 0 years 149403.00 yuan, with total interest of 29403.00 yuan.