If the loan principal is 360,000 yuan and the term is 30 years, the repayment method of equal principal and interest shall be adopted according to the benchmark annual interest rate of the People's Bank of China for loans over 5 years (unchanged), and the monthly payment is1910.62; Total repayment: 687821.83; Total interest: 327821.83; Using the average capital repayment method, the monthly payment is decreasing, such as the first phase: 2470; Subsequently, the amount of each installment decreases in turn: 4.08; Total repayment: 625335; Total interest: 265335.

2. The first home loan is 300,000 yuan, 30 years, and how much is the monthly repayment?

For commercial mortgage loans in 2009, the benchmark interest rate for loans over five years is 5.94%, and the monthly interest rate is 5.94%/12 = 0.495%; If the first suite enjoys a 30% discount, the interest rate is 4. 158% and the monthly interest rate is 4.158%/12 = 0.3465%.

Monthly payment of 500,000 yuan for 30 years (360 months):

If calculated at the benchmark interest rate:

[5000000.495% (10.495%) 360]/[(10.495%) 360-1] = 2978.49 yuan.

If calculated at the preferential interest rate:

[5000000.3465% (10.3465%) 360]/[(10.3465%) 360-1] = 2432.84 yuan.

Description: 360 is the power of 360.

3. The first home loan is 300,000 yuan, 30 years. How much is the monthly repayment?

The bank loan interest rate is comprehensively evaluated according to the credit status of the loan, and the loan interest rate is determined according to the national policy (whether it is the first suite). If the loan interest rate is different, the interest rate in 20 1 1 year is 1. 1.05 times or 1.05 times due to the shortage of funds. Since 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate.

At present, Bank of China, Agricultural Bank of China, ICBC and other state-owned banks have begun to implement the first home loan interest rate concessions. The interest rate discount of some banks can be up to 15%. The current benchmark interest rate was adjusted and implemented on July 7, 20 1 1 year. The interest rate for more than five years is 7.05%, and the preferential monthly interest rate for 30 years is 7.05%(360 months)% 0.85/120.85/12) 360.

Total repayment: 1797.5438+0360 = 64699.

Monthly payment for 20 years is 300,000 yuan (240 months): 300,007.05% 0.85/12 (17.05% 0.85/12) 240/[(17.05% 0.85]

The total repayment amount is 240=5 1552.

4. The first home loan is 300,000 yuan, 30 years. How much is the monthly repayment?

The bank loan interest rate is comprehensively evaluated according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1. 1 times the benchmark interest rate. Since 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate.

At present, Bank of China, Agricultural Bank of China, ICBC and other state-owned banks have begun to implement the first home loan interest rate concessions. The interest rate discount of some banks can be up to 15%. The current benchmark interest rate was adjusted and implemented on July 7, 20 1 1 year. The interest rate for more than five years is 7.05%, and the preferential monthly interest rate is 7.05%0.85/ 12. Repay 300,000 yuan every month for 360 months: 300,007.05% 0.85//kloc-0.85//kloc-0.05% 0.85//kloc-0.2) 360/[(17.05% 0.85/].

Total repayment amount:1797.21360 = 646995.6;

Monthly payment for 20 years is 300,000 yuan (240 months): 300,007.05% 0.85/12 (17.05% 0.85/12) 240/[(17.05% 0.85]

Total repayment: 2148.00240 = 515520.