The average capital mortgage is decreasing every month. Average capital refers to a repayment method of loans. During the repayment period, the total amount of loans is divided into equal parts, and the same amount of principal and interest generated by the remaining loans of the month are repaid every month. In this way, because the monthly repayment amount is fixed and the interest is less and less, the borrower is under great pressure to repay at first, but as time goes on, the monthly repayment amount is less and less.

For example, we also borrowed 200,000 yuan from the bank, and the repayment period was 15 years. If you choose to repay the same principal, you need to repay the bank principal11yuan every month, and the interest in the first month is 9 18 yuan, totaling 2,200 yuan in the first month. Then, every month,

How to calculate the mortgage in average capital?

1. Monthly principal and interest repayment amount = (principal/repayment months)+(principal-accumulated repaid principal) × monthly interest rate. Monthly principal = total principal/repayment months. Monthly interest = (principal-accumulated principal repayment) × monthly interest rate. Total repayment interest = (repayment months+1)* loan amount * monthly interest rate /2. Total repayment amount = (repayment months+1)* loan amount * monthly interest rate /2+ loan amount.

2. In fact, most people prefer the "equal repayment method" because this method has a balanced repayment pressure and a fixed monthly repayment amount, which is not much different from the average capital method. And with the growth of time, the use value of funds will be different. Of course, there are also many relatively well-off people who want to make their future life easier and save costs, and will choose the average capital method.

Difference between average capital of mortgage and equal principal and interest

1, the monthly repayment amount is different: the monthly repayment amount of average capital is decreasing, the average capital repayment will fix the repayment amount of the same principal every month, and the interest payment will decrease with the passage of months. Matching principal and interest means paying the same amount every month, and interest accounts for a large proportion of the amount repaid in advance.

2. The interest generated is different: the total interest of equal principal repayment is less than the total interest of equal principal repayment. For example, the loan is 500,000 yuan, the loan term is 1 year, and the annual interest rate of the loan is 4.35%. The total interest of equal principal repayment is 2356.25 yuan, and the total interest of equal principal repayment is 237 1.88 yuan.

3. Suitable for different people: General capital is suitable for people with higher income in the early stage and lower income in the later stage. Matching principal and interest is suitable for people with a fixed monthly income.

4. The advantages and disadvantages are different: the advantage of average capital is that it can save more interest, which is conducive to early repayment. The disadvantage is that the pressure of early repayment is great. The advantage of matching principal and interest is that the monthly repayment pressure is less, and the disadvantage is that more interest needs to be paid, which is not conducive to early repayment.