If you want to calculate the monthly mortgage repayment of 400 thousand for 30 years, you must know whether you are applying for a bank commercial loan or a housing provident fund loan. After all, the annual interest rates of loans vary greatly. Even with the same annual interest rate, if you choose different repayment methods, the monthly repayment amount will be different. So below, we will focus on these two preconditions, and calculate them separately to see how much the 400,000 mortgage will be repaid in 30 months.

I. 30-year annual interest rate and repayment method of 400,000 mortgage.

1, annual interest rate

The benchmark annual interest rate of 30-year commercial loans is 4.9%, and the LPR interest rate is 4.6%.

The annual interest rate of the 30-year provident fund loan is 3.25%.

2. Repayment method

Generally, 30-year mortgage can only choose equal principal repayment or equal principal and interest repayment.

Average capital: Like the repayment of the principal every month, the interest paid every month gradually decreases with the repayment of the principal;

Matching principal and interest: the monthly repayment principal increases, the monthly interest payment decreases, and the total monthly repayment amount is fixed.

2. How much is the monthly mortgage of 400,000 yuan in 30 years?

1, and the fixed annual interest rate of commercial loans is 4.9%.

Average fund: the repayment in the first month = 2,744.44 yuan, and the repayment in the last month =115.65 yuan;

Matching principal and interest: monthly payment = 2 122438+0 yuan.

2. The annual interest rate of 2.LPR commercial loan is 4.6%.

Average fund: the repayment in the first month = 2,644.44 yuan, and the repayment in the last month =115.37 yuan;

Matching principal and interest: monthly payment =2050.58 yuan.

3. Provident fund loan with an annual interest rate of 3.25%.

Average capital: repayment in the first month = 2 194.44 yuan, and repayment in the last month = 1 14. 12 yuan;

Matching principal and interest: monthly payment = 1740.83 yuan.

The above is about "how much is the monthly mortgage of 400,000 yuan for 30 years", which is about114.12-2744.44 yuan. I hope I can help you.