1 10,000 mortgage, how much interest is it for 30 years? 1 10,000 yuan mortgage, which will be paid off in 30 years. Calculated according to the loan interest rate of 5.52%, the principal and interest will be repaid in equal amount, 5690 yuan per month, totaling 2.048 million yuan in 30 years. If the same amount is used to repay the principal, it will cost more than 7300 yuan per month in the early stage, and the monthly repayment amount will be reduced by more than 10 yuan. The total repayment amount in 30 years is 1.83 million.
100000 is in the bank, how much interest is there after 30 years? If 654.38+00000000 yuan is deposited in a state-owned bank, take a three-year term as an example, and the annual interest rate is 2.75%. After maturity, the principal and interest will be deposited again. After 30 years, the interest will be 654.38+0209423 yuan. If 10000000 yuan is a large deposit certificate with an annual interest rate of 4%, the principal and interest will be re-deposited after maturity, and the interest will be 2 105848 yuan after 30 years. If/kloc-0.00 million yuan is a five-year fixed deposit in a private bank, the annual interest rate can reach about 5%, and the principal and interest will be deposited again after maturity, and the interest will be 28 14697 yuan after 30 years.
Many people will wonder, banks obviously make money by interest margin, why is the interest on loans for 30 years only a few million, while the interest on deposits can be as high as several million?
In fact, the main reason is that we borrowed 6.5438+0 million for 30 years. In fact, the principal of 6,543,800 yuan is returned to the bank every month. It's just that the last installment is used on the principal of the first installment, and the deposit is different. If the deposit adopts compound interest, our principal will increase year by year, so the interest will also increase.
To sum up, the interest to be repaid after 30 years with a loan of 6,543,800,000 yuan, or how much interest you can get after 30 years with a deposit of 6,543,800,000 yuan, can only be taken as an example now, but the loan interest rate or deposit interest rate will change in the future. Even now, whether you are a loan or a deposit, it will be different because of the different bank you choose or the different area where you live.