From April, 20 12, the annual interest rate is 7.05%, and from March, 20 15, the contribution in the first month is 3,365.28 yuan, with a monthly decrease of 16.32 yuan; During this period, the total monthly payment was 65,438+065,438+00868.75 yuan, and all the loans were paid off.
If equal principal and interest repayment is adopted, the 36-month loan of RMB 65,438+000,000 will be repaid from April 2065,438+05. According to the adjustment and fluctuation of the national benchmark interest rate and the information provided by you, the total loan interest paid in the following time period is 65,438+065,438+0239.87 yuan;
From April 20 12, the annual interest rate is 7.05%, and from March 20 15, the monthly contribution is 3090 yuan; During this period, the total monthly payment was 65,438+065,438+065,438+0239.87 yuan, and all the loans were paid off.
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"The repayment amount of average capital in the first month = total loans/loan months+total loans * monthly interest rate value.
Matching principal and interest repayment method: monthly repayment amount = total loan amount * monthly interest rate value *( 1+ monthly interest rate value) /(( 1+ monthly interest rate value)-1) "