The house loan is 580,000 yuan, with a term of 25 years and an annual interest rate of 5.78. How much is the monthly payment? How to calculate? thank you

The loan amount is 580,000 yuan.

The loan term is 25 years.

The repayment method is equal principal and interest.

Repayment cycle: monthly repayment.

The annual interest rate of the loan is 5.78%

Accumulated repayment amount: 109780 1.56 yuan. Interest paid: 5 1780 1.56 yuan. Repay the principal and interest of RMB 3,659.34 per month.

Matching principal and interest repayment method:

Monthly loan amount = [loan principal × monthly interest rate ×( 1+ monthly interest rate )× repayment months ]=[( 1+ monthly interest rate )× repayment months]

Monthly interest payable = loan principal × monthly interest rate ×[( 1+ monthly interest rate) repayment months -( 1+ monthly interest rate) (repayment month serial number-1)] ÷ [(1+monthly interest rate) repayment months -650.

Monthly repayment principal = loan principal × monthly interest rate ×( 1+ monthly interest rate) ÷ (repayment month serial number-1)÷[( 1+ monthly interest rate) repayment months-1]

Total interest = repayment months × monthly repayment amount-loan principal

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