It depends on the interest rate of the bank loan you handle.
2065438+2007 Bank loan of 300,000 yuan. Assume that the lowest loan interest rate is 3.85% and the annual loan interest is 1 1550 yuan. Then if you borrow from 20 17 and repay it in 2022, it will be five years, then if you calculate at the interest rate of 3.85%, you will have to repay 57,750 yuan in 2022.
What is the benchmark interest rate for 20 17 one-year loans?
In 20 17, the benchmark annual interest rate of commercial loans announced by the People's Bank of China is 0-6 months (including 6 months), and the annual interest rate of loans is 4.35%; 6 months-1 year (inclusive), and the annual interest rate of the loan is 4.35%; . 1-5 years (inclusive), and the annual interest rate of the loan is 4.75%. 5-30 years (including 30 years), the annual interest rate of the loan is 4.90%. The annual interest rate of individual housing provident fund loans is: 0.5 years or less (including 5 years), and the annual interest rate of loans is 2.75%; The annual interest rate of loans for more than 5 years is 3.25%.
I. Loan interest rate and interest
The General Rules for Loans stipulates that:
(1) Determination of loan interest rate: The lender determines the interest rate of each loan according to the upper and lower limits of loan interest rate stipulated by the People's Bank of China, and specifies it in the loan contract;
(II) Collection of loan interest: Lenders and borrowers shall collect or pay interest on schedule in accordance with the loan contract and relevant interest-bearing provisions of the People's Bank of China. When the loan extension period plus the original term reaches the new interest rate grade, it will be charged at the new term grade interest rate from the date of extension. Penalty interest is charged for overdue loans according to regulations.
(3) Loan interest subsidy: According to the national policy, in order to promote the economic development of certain industries and regions, the relevant departments may subsidize the loan interest. Loans subsidized by relevant departments shall be independently examined and issued by the undertaking bank, and strictly managed in accordance with the relevant provisions of the General Rules for Loans.
(4) Stop, interest and interest loan: Except as stipulated by the State Council, no unit or individual has the right to decide to stop, interest and interest. The Lender shall, according to the decision of the State Council, specifically handle the cessation, interest reduction and interest-free according to the scope of duties and authority.
Second, the calculation method of loan interest
(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. The interest-bearing formula is:
Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.
2. Transaction-by-transaction interest calculation method calculates interest one by one 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 × year (month) × year (month) 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
The detailed calculation formula is 20 17, with a loan of 300,000 yuan for 20 years, such as
The detailed calculation formula is 20 17, with a loan of 300,000 yuan for 20 years, such as
To try out the loan information for reference, please open the following link:: cmbchina. /cmbwebpubinfo/cal _ loan _ per . aspx？ Chnl=dkjsq tries to use the benchmark interest rate of the current loan to try monthly payment.
If your city has China Merchants Bank, you can try to apply for a loan through China Merchants Bank. The loan interest rate needs to be comprehensively priced according to the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.
The calculation formula of mortgage: I borrowed 270,000 yuan with an interest rate of 4% 2. Buying a house for the first time, with a loan of 20 years. How to calculate the detailed loan formula?
You said the interest rate is 4.2%/ year, right?
Like this:
If the repayment method is equal principal and interest, it means that your principal plus interest will be amortized to monthly repayment.
270,000 x 4.2% =11340 yuan, this is your annual interest.
1 1340 yuan X20 years = 226,800 yuan 20 years total interest.
Principal interest =270000226800=496800 yuan.
496800 divided by 20 years and 240 months
496800/240=2070 yuan. This is your monthly payment.
Ok, I hope I can help you.
The calculation formula of second-hand housing loan needs detailed calculation.
Second-hand housing loan down payment calculation formula:
Net down payment = actual transaction price-customer loan amount (net down payment: excluding state taxes and intermediary service commission)
Loan amount = appraised price of second-hand house ×80% (the first loan amount can reach 80%).
The loan amount can be estimated according to the contract price ×85%, and the approximate evaluation price can be estimated.
The loan is 100 thousand, and the annual interest is 14 thousand. how much is it? Find out the calculation formula in detail
Annual interest rate = interest/principal =1.4/10 =14%.
It should be calculated at the interest rate of 14% per year.
Calculation formula of three-year interest on overdue loan of 200,000 yuan
The calculation method of overdue loan interest varies with the nature of the loan contract. First, if the parties have an agreement on the loan term, interest during the loan period and interest on overdue loans in the loan contract, they should respect the autonomy of the parties and follow their agreement. As long as the commercial loans overdue interest does not exceed the interest rate standard stipulated by the People's Bank of China, and the private loan meets the conditions stipulated by the Supreme People's Government and is not higher than 4 times the bank loan interest rate, it will be calculated at the agreed interest rate. Second, in the loan contract, the parties only agreed on the interest during the loan period, but did not agree on the interest on overdue loans.
The lender of a commercial loan may require the borrower to pay the overdue interest at the interest rate agreed in the contract during the loan period, or may require the borrower to pay the overdue interest in accordance with the relevant provisions of the state, and the choice lies with the lender;
Compared with commercial lending, private lending has many irregularities, so the handling method is more flexible. At the same time, in judicial practice, different provinces and cities have different ways to deal with it. In some places, only the interest rate during the loan period is agreed, but the overdue interest rate is not agreed. The lender may require the borrower to pay the overdue interest according to the agreed interest rate or the penalty interest rate stipulated in Article 3 of the Notice of the People's Bank of China on Relevant Issues Concerning RMB Loan Interest Rate (Yinfa [2003] No.251), and the agreed interest rate shall rise by 30%-50%, but it shall not exceed four times;
However, some places think that overdue interest can be claimed by floating 30% on the basis of the interest rate during the loan period, but after floating, it shall not exceed 4 times the interest rate of similar loans announced by the People's Bank of China in the same period; Most of the differences between these different regions are related to the guiding opinions issued by the local high court on the trial of private lending cases.
20-year calculation formula of average capital of 300,000 yuan mortgage loan
The calculation formula of monthly repayment amount in the average repayment method is as follows:
Among them, monthly repayment of principal = loan amount/repayment months;
Monthly interest payment = (principal-accumulated principal repayment) × monthly interest rate.
Loan is the result of comprehensive calculation based on loan amount, execution interest rate, loan term, repayment method and other factors, and the actual monthly payment cannot be calculated only by loan amount.
If you want to calculate the monthly information for reference, please open the following link:: cmbchina. /cmbwebpubinfo/cal _ loan _ per . aspx？ Chnl=dkjsq tries to use the benchmark interest rate of the current loan to try monthly payment. (You can view information such as monthly payment, monthly payment principal, monthly payment interest, principal balance, total interest and total repayment).
The bank interest rate is 4.9, and the loan is 500,000, 30 years. What is the total interest? Find the calculation formula
If you apply for a personal loan at China Merchants Bank, the "loan interest" is comprehensively calculated according to the total loan amount, loan term, execution interest rate, repayment method and other factors. You can go to the homepage of China Merchants Bank and click on the "Financial Calculator"-"Personal Loan Calculator" on the right to make a trial calculation. (You can view information such as monthly payment, monthly principal, monthly interest, principal balance, total interest and total repayment. )
Hello, who knows the detailed calculation formula of 400 thousand mortgage for 30 years? thank you
To apply for a loan from China Merchants Bank, you need to know the loan principal, loan term, repayment method and annual interest rate, and calculate the loan interest or monthly repayment amount. If the above information is confirmed, you can try to calculate through our loan calculator, log in to the lower right of China Merchants Bank official website and find the "Financial Calculator"-"Personal Loan Calculator" to calculate.
Loan180,000, loan for 20 years and 10 years, equal principal and interest and average capital, how much per month, please give me a detailed calculation formula, thank you!
Mortgage calculator
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Three-year automobile loan calculation formula
1. Calculation formula: repayment of principal and interest, that is, equal repayment of loan principal and interest every month during the loan period. The calculation formula of monthly repayment amount is: monthly repayment amount = loan principal × monthly interest rate ×( 1 interest rate) repayment months /[( 1 interest rate) repayment months-1];
2. The other is the repayment method in the average capital (interest is paid with the principal), that is, the loan principal is repaid in equal amount every month, and the loan interest decreases with the principal month by month. The calculation formula of monthly repayment amount is: monthly repayment amount = loan principal/number of months of loan term (principal-accumulated amount of repaid principal) × monthly interest rate.
3. Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also known as automobile mortgage;
4. Loan target: The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct;
5. Loan conditions: the borrower has a stable job, the ability to repay the principal and interest of the loan, and good credit; Being able to provide recognized assets as collateral or pledge, or a third person with sufficient compensatory capacity as a guarantor to repay the principal and interest of the loan and bear joint liability;
6. Loan amount: The maximum loan amount generally does not exceed 80% of the price of the purchased car;
7. Loan term: Generally, the loan term for automobile consumption is 1-3 years, with a maximum of 5 years;
8. Loan interest rate: uniformly stipulated by the People's Bank of China;
9. Repayment method: you can choose one-time repayment method of principal and interest and installment repayment method (equal principal and interest, equal capital);
10. The auto financing or guarantee company is the company in this article-a third person with sufficient compensatory capacity is used as the guarantor to repay the loan principal and interest and bear joint and several liabilities.