The accumulated repayment amount in 10 year = 133224.60 yuan, in which 100000 yuan is the principal and 33224.60 yuan is the interest. Extended data:

Matters needing attention in loan

1. The information provided to the bank should be true, the address and contact information provided should be accurate, and the bank should be informed in time when there is any change;

2. The loan purpose should be legal and compliant, and the transaction background should be true;

3. Choose the repayment method that suits you according to your repayment ability and future income expectation;

4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount should not exceed 50% of the total family income;

5. Read the terms of the contract carefully and understand your rights and obligations;

6. Repay on time to avoid bad credit records;

7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;

8. prepayment must be communicated with the bank one month in advance.

The People's Bank of China announced that with the approval of the State Council, the lower limit of 0.7 times of the loan interest rate of financial institutions will be cancelled from July 20th, 20 13, and the financial institutions will independently determine the loan interest rate level according to commercial principles.

(1) The interest rate conversion formula for RMB business is (note: common for deposits and loans):

1, daily interest rate (0/000)= annual interest rate (%)÷360 = monthly interest rate (‰)÷30.

2. Monthly interest rate (‰) = annual interest rate (%)÷ 12.

(two) banks can use the product interest method and the transaction interest method to calculate interest.

1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest.

2. Transaction-by-transaction interest calculation method carries out transaction-by-transaction interest calculation according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:

If the interest-bearing period is a whole year (month), the interest-bearing formula is:

① Interest = principal × year (month )× year (month) interest rate

If the interest-bearing period is a whole year (month) and days, the interest-bearing formula is:

② Interest = principal × annual (monthly) × annual (monthly) interest rate+principal × odd days × daily interest rate.

At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:

③ Interest = principal × actual days × daily interest rate

These three formulas are essentially the same, but because the interest rate conversion is only 360 days a year. However, when calculating the actual daily interest rate, it will be calculated according to 365 days a year, and the result will be slightly biased. The central bank gives financial institutions the right to choose which formula to use. Therefore, the parties and financial institutions can agree on this in the contract.

(3) Compound interest: Compound interest refers to adding interest at a certain interest rate. According to the regulations of the central bank, if the borrower fails to repay the interest at the time agreed in the contract, it will be charged with compound interest.

4) Penalty interest: If the lender fails to repay the bank loan within the specified time limit, the penalty interest paid by the bank to the defaulter according to the contract signed with the parties is called bank penalty interest.

9. For foreigners to apply for commercial loans, banks generally require borrowers to have a stable income in the local area, and they also need to open a household registration certificate at the place where they are registered (some banks also require a certificate of employment); Moreover, in addition to local income, housing guarantee companies should also apply for temporary residence permits for foreigners.