Many people choose loans to buy a house in order to reduce the economic burden when buying a house. So how to calculate the housing loan interest rate? How to calculate the interest on housing loan? Next, Bian Xiao will introduce relevant contents to you. Let's have a look. \ r \ n \ r \ n \ r \ nHow to calculate the interest rate of housing loans \ r \ n \ r \ n \ r \ nAt present, the benchmark annual interest rate of loans published by PBOC is 0 to 6 months (inclusive), and the annual interest rate is 4.35%. From 6 months to 1 year (inclusive), the annual interest rate is 4.35%. /kloc-The annual interest rate is 4.75% from 0 to 3 years (including 3 years). The annual interest rate for 3 years to 5 years (including 5 years) is 4.75%. 5 to 30 years (including 30 years), the annual interest rate is 4.90%. Some banks have raised the interest rate of the first suite to 30%, and the interest rate of housing loans has risen as high as 20%. \ r \ n \ r \ n \ r \ n \ r \ How to calculate the housing loan interest \ r \ n \ r \ n 1, the formula for calculating the housing loan interest with equal repayment: monthly repayment amount = [principal multiplied by monthly interest rate multiplied by (1+) monthly principal = monthly payment. The calculation principle is that the bank collects the interest of the remaining principal first, then the principal, and the proportion of interest in the monthly payment decreases with the decrease of the remaining principal. \r\n \r\n \r\n\r\n2。 Matching principal and interest repayment method: add up the total principal and interest of mortgage loans and distribute them evenly to each month of repayment period. The repayment person pays a fixed amount to the bank every month, but the proportion of principal in the monthly repayment amount increases month by month and the proportion of interest decreases month by month. \r\n \r\n \r\n\r\n3。 Repayment of equal principal: Divide the principal equally every month and pay off the interest from the previous trading day to the repayment date. The total interest cost of this repayment method is low, but the principal and interest paid in the early stage are more, and the repayment burden decreases month by month. \ r \ n \ r \ n \ r \ n \ r \ Abstract: The above is how to calculate the housing loan interest rate introduced by Bian Xiao, hoping to help some friends in need. If you want to know more information, please continue to pay attention to Qijia. com。

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