Different banks choose different loans, and the loan interest will be different. The standards implemented by banks are not exactly the same, but they all fluctuate according to the interest rate standards stipulated by the state.
There are two repayment methods: average principal and equal principal and interest. Different repayment methods will generate different interest.
Different loan options have different interest rates. The common commercial interest rate of mortgage is relatively high, and the interest rate of provident fund loan is relatively low. If you use a credit card, the interest rate will be different.
1, mortgage (commercial loan)
1. Equal principal and interest
Matching principal and interest: the total monthly repayment amount is fixed, in which the principal part increases month by month and the interest part decreases month by month.
Calculation formula of equal principal and interest: monthly repayment amount = monthly interest rate of principal (1 interest rate), loan months /( 1 interest rate), repayment months-1.
Monthly interest rate = annualized interest rate/12
654.38+0.2 million yuan is divided into 20 years. If calculated according to the annual loan interest rate of LPR4.60%, the total interest is * *1.062688.18 yuan, the total repayment is 3062688.5438+08 yuan, and the monthly payment is 65438 yuan.
22 million for 20 years. If the annual interest rate of the loan is 4.9%, the total interest is * * *1.31.44 yuan, and the total repayment amount is 3 1.4 1.365438.
3.28 What is the interest rate loan of 2 million yuan a month?
If the bank loan interest is 2 million yuan, the annual interest is 108000 yuan. How much you pay each month depends on how the loan bank pays you back. There are many ways to repay.
How to calculate the interest of 22 million loan?
Now it depends on how long you have borrowed it, because the loan term is different and the loan interest rate is different. Calculated by one-year loan, the annual interest payable for a loan of 2 million yuan is 2 million× 31= 620,000 yuan.
3. What is the monthly interest of the loan of 2 million yuan?
It depends on whether you borrow from banks or private individuals, how long the loan period is, and the loan period of different institutions is different. For example, if you make a one-year bank mortgage loan, the monthly repayment is about1180,000 yuan, and the monthly interest is about 5 150 yuan.
4. The housing mortgage loan is 2 million. How much is the monthly interest?
The loan is 2 million yuan, and the monthly interest is multiplied by your annual interest rate and divided by 1, which is the amount of money you have to pay back the monthly interest.
How much is the interest on a bank loan of 2 million?
Now the loan term is generally 5 years, 10 years, 15 years, 20 years, 25 years and 30 years. According to the current interest rate, if the loan is 5 years, the average annual interest will be about 70 thousand yuan; 10 The average annual interest is about 75,000 yuan; 15 years, with an average annual interest of about 78,000 yuan; For 20 years, the average annual interest is about 8 1 1,000 yuan; In 25 years, the average annual interest is about 84,000 yuan; For 30 years, the average annual interest is about 87,500 yuan.