In order to simplify the calculation, it is usually assumed that the loan is paid in the middle of each year (no interest is generated before the payment). The half-year formula for the first year of the loan is: \ interest = (accumulated loan amount at the beginning of the year /2) annual interest rate \ first year end: 0d\ second year end: (305,400 yuan \ 030.54500/2) 6% = 593,700 yuan \ total interest during the construction period = 930.5459.37.
Second, how to calculate the loan interest during the construction period?
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Three, China Construction Bank loan 400 thousand yuan, divided into 20 years to repay, how to calculate the interest. How much is it a month?
The loan principal is 400,000 yuan, with a term of 20 years. According to the benchmark annual interest rate of the People's Bank of China for loans of more than 5 years (unchanged), the repayment method of principal and interest is equal, and the monthly payment is 2617.78; Total repayment: 628,266.29; Total interest: 228,266.29; Using the average capital repayment method, the monthly payment is decreasing, such as the first phase: 3300; Subsequently, the amount of each installment will decrease in turn: 6.81; Total repayment: 596,865,438+06.67; Total interest: 1968 16.67.
4. How to calculate the loan interest during the construction period?
In order to simplify the calculation, it is usually assumed that the loan is paid in the middle of each year (no interest is generated before the payment). The first year of the loan is calculated on a semi-annual basis, and the remaining years are calculated on a full-year basis. The formula is: \ Accrued interest in each year = (accumulated loan amount at the beginning of the year /2) annual interest rate \ at the end of the first year: 300/26% = 90,000 yuan \ at the end of the second year: (309,400 yuan/2) 6% = 305,400 yuan \ at the end of the third year: (309,400,305,4500 yuan/.