Mortgage can be divided into "equal principal and interest" and "average capital" repayment methods; ?

I. Calculated according to the repayment method of "matching principal and interest"

Annual interest rate =5.39%, monthly interest rate = annual interest rate/12=0.4492%.

Formula Monthly repayment amount = loan amount * monthly interest rate/1-( 1+ monthly interest rate)-repayment months

Monthly repayment amount = 540000 * 0.4492%/1-(1+0.4492%)-180.

Monthly repayment = 4380438+0 yuan.

Total repayment = 788,563.32 yuan

Total interest = 248,563.32 yuan.

Two, according to the "average capital" repayment method.

Annual interest rate =5.39%, monthly interest rate = annual interest rate/12=0.4492%.

(1), calculate the down payment.

Formula down payment = loan amount *[( 1/ total months)+monthly interest rate)]?

Down payment = 540000 * [(1180)+0.4492%)]

The first repayment amount = 5425.68 yuan.

(2) Calculate the monthly decline.

Formula Monthly Decreasing Amount = Loan Amount/Total Months * Monthly Interest Rate

Monthly decline =540000/ 180*0.4492%

Monthly decreasing amount = 13.48 yuan.

(3) Calculate the total amount of interest and repayment.

Formula total interest = 1/2* loan amount * monthly interest rate *( 1+ total months)

Total interest =1/2 * 540000 * 0.4492% * (1+180)

Total interest = 2 19524.04 yuan.

Total repayment = 759,524.04 yuan.

* Analysis of results *

Under the method of "matching principal and interest", the monthly repayment is 4,380.95438+0 yuan, with a total repayment of 788,563.32 yuan;

Under the "even cost" mode, the first repayment amount is 5425.68 yuan, and then it will decrease month by month 13.48 yuan; The total repayment amount is 759,524.04 yuan;

"Equal cost" saves interest by 29,039.28 yuan compared with "equal principal and interest", but what about the "equal cost" method? The pressure of prepayment is higher than "equal principal and interest".