Do you want to ask how to calculate the remaining amount for a 20-year equal-amount loan of 550,000 yuan and an early repayment of 270,000 yuan after three years? The remaining loan settlement method is as follows:
An equal-amount principal loan means that within each repayment period, the lender repays the same principal amount, so the interest amount during each repayment period will be gradually decrease. Three years later, it was decided to repay 270,000 yuan in advance. This means reducing the remaining loan amount to 550,000-270,000 = 280,000.
Next, we can calculate the amount of interest for each repayment period. As the remaining loan amount decreases, the interest amount will also gradually decrease. Assuming an annual interest rate of 5% (please note that the actual interest rate may be different), then in the first repayment period of the remaining loan, the interest amount is 280,000 × 0.05 = 14,000. During the second repayment term, the interest amount will be further reduced based on the remaining loan amount, and so on.