The answer is as follows:
Assume that the loan is 200,000 yuan, the term is 15, and the annual interest rate is 7.05%, and the repayment is made with equal principal and interest. The calculation formula is as follows:
Monthly repayment amount = monthly interest rate of principal [(65438+ 10 monthly interest rate) n/[(65438+ 10 monthly interest rate) n- 1]
Where: n represents the number of loan months, and n represents the power of n, such as 180, which represents the power of 180 (loan 15, 180 months).
2. Insert data into the formula:
200000007.05% [(17.05%)180/[(17.05%)180-1] =1803.25
Description of power: in the formula: [(17.05%)180-1), calculate17.05% in brackets first, and then 1.0705.
How much is the monthly loan of 50,000 yuan for 36 installments of CCB?
1, first calculate the monthly repayment principal: 50,000/36 =1388.9 yuan;
As for the interest, you didn't say it here. I'll calculate it for you according to the bank's interest rate of 0.8% a month, for reference only. Finally, it will be based on the real interest rate: 50,000 x 0.8% = 400 yuan;
3. Based on the above, the monthly repayment amount is: 1388.9400= 1788.9 yuan; The above interest rates are for reference only, and finally your actual loan interest rate is the main one. The calculation method is basically like this. 1. Basic knowledge of interest calculation (1) The interest rate conversion formula for RMB business is (note: general deposits and loans): 1. Daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷302. Monthly interest rate (‰) = annual interest rate (%). The interest-bearing formula is: interest = accumulated interest-bearing products × daily interest rate, where accumulated interest-bearing products = total daily balance. 2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term. There are three specific methods: if the interest-bearing period is a whole year (month), the interest-bearing formula is: ① interest = principal × years (months) × interest rate; If the interest-bearing period is a whole year (month) and the number of days is decimal, the interest-bearing formula is: ② Interest = principal. Banks can choose to convert the interest period into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest calculation formula is: ③ Interest = principal × actual days × daily interest rate. These three formulas are essentially the same, but because only 360 days are calculated in one year in interest rate conversion, the results will be slightly different when calculating the actual daily interest rate. Which formula is used specifically, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract. (3) Compound interest: Compound interest means adding interest at a certain interest rate. According to the regulations of the central bank, if the borrower fails to repay the interest at the time agreed in the contract, it will be charged with compound interest. (4) Penalty interest: If the lender fails to repay the bank loan within the prescribed time limit, the penalty interest paid by the bank to the defaulter according to the contract signed with the parties is called bank penalty interest. (V) loans overdue liquidated damages: penalties for the defaulting party with the same nature as penalty interest.
The loan is 50,000 yuan, with 36 installments, monthly repayment amount 1722 1 yuan, monthly principal13,888 yuan, and monthly interest of 3,333 yuan. 1. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must repay them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Two. Microfinance review risk The risk of a loan often begins at the loan review stage. What happened in the comprehensive judicial practice can be seen that the risks in the loan review stage mainly appear in the following links. (1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. (2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk. (3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place. 3. The legal content of the pre-loan investigation (1) examines the legal status of the borrower's legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification. (2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.
Daqing 18945675690: The loan is 50,000 yuan, divided into 36 installments, and how much should be repaid in each installment -:36 installments belong to medium and long-term loans, for example, the benchmark interest rate of medium and long-term loans for one to three years is 4.75% (the loan interest rate is confirmed by the handling bank), the loan principal is 50,000 yuan, and the total repayment with interest is 53,745.84 yuan; * * * Interest payable is 3745.5438+0 yuan. The monthly repayment amount is 1492.94 yuan; First month (feet) ...
Daqing 18945675690: I borrowed 50,000 installments from Gitzo. How much should I repay each month?-:Equal principal and interest method: loan principal: 50,000 yuan, assuming annual interest rate: 50.000%, loan life: 3 years, monthly principal and interest repayment: 2,705.7 yuan, and total repayment with interest: 9,744. The first 1 month principal repayment is: 622.37; After that, the monthly interest repayment will decrease and the principal will increase (regardless of the adjustment of the intermediate interest rate).
Daqing 18945675690: Hello, please tell me that the monthly interest paid to me in the 36th installment is 2.28, so how much should I pay back each month? Thank you-:You can repay 2052.438+0 yuan in 36 installments, and 2.0 in 24 installments, with an equal monthly repayment of 2643.55.
Daqing 18945675690: car loan is repaid in 36 installments, about one month. The installment rate of the 36th installment is 10.43%, and the handling fee is = 5000010.43% = 5215 yuan. The handling fee shall be repaid in one lump sum in the first installment =
Daqing 18945675690: I borrowed more than 50,000 yuan from a credit company and paid it back in 36 installments. I paid back 2800 a month with interest. How much is the monthly interest? Is it protected by law? -:The annual interest rate of the loan is 52. 1475%, the loan amount is 50,500 yuan, the total repayment amount is 100800 yuan in 36 installments, the total interest amount is 50,300 yuan, and the monthly repayment amount is 2,800 yuan, 36%. If the lender requires the borrower to pay interest at the agreed interest rate, the people shall support it. The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36.
Daqing 18945675690: I want to borrow 50,000 yuan and pay it back in 36 installments. If the average capital is repaid, how much can it be repaid in January? -:How much interest is calculated by 2 points, which is exactly 1000.
Daqing 18945675690: Loan of 50,000 yuan, interest-free in the first year, 36 installments in total. How much should I pay back every month? -:240 yuan ...
Daqing 18945675690: How much interest does it cost to borrow 50,000 yuan from Alipay and repay it in 36 installments? -:"Ant Borrowing" is interest, with the daily interest rate of 0.045% and the converted annual interest rate of 16.425%. "Ant borrows money" means that if the borrowed funds are no longer needed, or if you have money in advance, you can repay them directly in full, so you only need to calculate the daily interest, for example, you can use the principal directly in 0.045% days. There is no need to calculate the interest from the next day to the last repayment date of this period. Then calculate the interest on a daily basis from the first day of the next issue. One of the characteristics of borrowing is that it can be repaid as you borrow it. The original intention of this product is to apply for an installment loan, and then repay it in installments, and pay back the money regularly every month according to the repayment plan. Compared with credit cards, the advantage is that the same principal is used to repay the loan, and the total interest is much less.
Daqing 18945675690: Loan 50,000 yuan from a credit company in 36 installments, with a monthly repayment of 2,560 yuan, right? -:A legally recognized high-interest loan refers to an interest rate that is more than four times the benchmark interest rate of the bank in the same period, that is, when the law is enacted, it supports an interest rate that is less than four times the benchmark interest rate of the bank in the same period, that is, a high-interest loan, which is not protected by law. Because the legal recognition of loans is also related to the term. The benchmark interest rate for the same period refers to the benchmark interest rate announced by the central bank. For example, for one year, the benchmark interest rate is 6%, which is four times that of 24%, that is, more than 24% is legally recognized as a high-interest loan. The one-year term is 10000 yuan, and the annual interest does not exceed 24% 10000 = 2400.
Daqing 18945675690: Postal Savings Bank applied for a personal business loan of 50,000 yuan. How to calculate the annual interest rate? Repayment of principal and interest in 36 months. How much does it cost a month? -:The annual interest rate of personal loan is calculated as five years, and it can be repaid in advance after three years without any penalty. Now it is stipulated that the benchmark interest rate will rise by 20%, that is, the annual interest rate will be 8.28%. Provide enterprise business license, national tax and local tax organization code certificate, company articles of association investment agreement, and entrusted collection account for the past year. The fastest processing time is about 15 working days.
IO borrowed 300,000 yuan from the bank in installments. How much RMB do I need to pay back every month?
IO borrowed 300,000 yuan from the bank in installments. How much RMB do I need to pay back every month?
Matching principal and interest method: loan principal: 300,000 yuan, assuming annual interest rate: 4.900%, loan life: 65,438+00 years; Monthly repayment of principal and interest: 3 167.32 yuan, total repayment of principal and interest: 380,078.4 yuan, * * interest payable: 80,078.4 yuan. The interest paid in 1 month is:1225; The first 1 month principal repayment is:1942.32; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)
I borrowed 300,000 yuan from the bank and intend to pay it off in 20 years. How much should I pay back every month?
According to your meaning, it should be a house loan.
If it is a provident fund loan, it will be repaid according to the total loan amount (for example, 300,000 yuan). The repayment plan for 20 years is as follows:
Total repayment: 45.55 1 (ten thousand yuan)
Interest paid: 15.5438+0 (ten thousand yuan)
Number of months of loan: 240 (months)
Interest rate of provident fund loan: 4.50% (interest rate 20 12)
Average monthly repayment: 1897.95 yuan.
How much is a monthly loan of 350,000 RMB for 20 years?
The principal and interest of the loan are the same as the average capital. The former is a fixed monthly repayment amount or a monthly decrease. I didn't even know you were some kind of loan. There is a mortgage calculator online that can help you calculate it automatically.
Bank loan 1.3 million, ten-year installment, how much do you need to pay back every month?
See if you use the equal principal and interest repayment method or the average capital repayment method.
You go to the account manager of the bank to ask for a repayment formula, or enter the online banking, where there is a calculation formula, you will know for yourself.
I borrowed 70,000 RMB from the bank and paid it back in two years. How much does it cost with interest every month?
Total loan: 70,000 yuan
Total repayment: 74,837.7 yuan
Total interest: 4,837.7 yuan
Monthly repayment: 3 1 18.24 yuan.
This is based on the benchmark interest rate, but banks generally float up for your reference.
I want to borrow 6,543.8+0,000 yuan. How much do I have to pay back every month?
You haven't said how many years you want to borrow money. What else can we do? What's the loan interest rate?
: Industrial and Commercial Bank of China ../Calculator/Calculator _ per.jsp You can do this simple calculation, which is very convenient.
Borrow 6,543,800 yuan+6,000 yuan, how much will it be for three months?
If you want to calculate the monthly information for reference, please open the following link:: cmbchina. /cmbwebpubinfo/cal _ loan _ per . aspx？ Chnl=dkjsq tries to use the benchmark interest rate of the current loan to try monthly payment.
If your city has China Merchants Bank, you can try to apply for a loan through China Merchants Bank. The loan interest rate needs to be comprehensively priced according to the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.
If you borrow money from the bank to buy a house, you need 400 thousand, with interest of 3.25. It will be paid in installments for 30 years. How much do you have to pay the bank every month?
Hello,
After the mortgage calculator, the monthly mortgage is 1740.83 yuan.
Satisfied, please adopt,
Thank you.
China Bank borrows 1 10,000, and pays it back in one year. How much is the monthly repayment?
Help you forget it:
The monthly repayment is 873.75 yuan,
Total interest: 485 yuan,
Total repayment: 10485 yuan.
The provident fund loan is 500,000 yuan per month. How much RMB do you need to pay back in 8 years?
Waiting amount for debt service
The total loan amount is 500,000.
The total repayment amount is 568,486.48 yuan.
Pay interest of 68,486.48 yuan.
Number of months of loan: 96 months
The monthly repayment is 59,265,438 yuan +0.73 yuan.
How is the monthly installment amount of bank mortgage calculated?
Category: Commercial/Financial Personal Finance
Problem description:
Explain the principle and calculate with examples.
Analysis:
Calculation formula of equal repayment
Monthly principal and interest repayment amount = [monthly interest rate of principal (1 monthly interest rate) repayment months ]/[( 1 monthly interest rate) repayment months-1]
In which: monthly interest = monthly interest rate of residual principal loan.
Monthly principal = monthly contribution _ monthly interest
Calculation principle: from the beginning of monthly contribution, the bank collects the interest of the remaining principal first, and then the principal; The proportion of interest in monthly payment decreases with the decrease of residual principal, and the proportion of principal in monthly payment increases, but the total monthly payment remains unchanged.
Calculation formula of monthly decreasing repayment amount
Monthly principal and interest repayment amount = (principal/repayment months) (principal _ accumulated repaid principal) monthly interest rate.
Monthly principal = total principal/repayment months
Monthly interest = (principal _ accumulated principal repayment) monthly interest rate
Calculation principle: the amount of principal returned every month is always the same, and the interest decreases with the decrease of the remaining principal.
Friends who borrow money to buy a house should have this experience. After the People's Bank of China adjusted the interest rate (the annual interest rate was raised from 0.0504 to 0.053 1, and it took effect on June 65438+1 October 2005), everyone's monthly repayment amount increased a little. For example, I borrowed 220,000 yuan from China Construction Bank in early 2003. After 20 years, I still pay 1, 456.77 yuan every month. After adjustment, I paid RMB 65,438+0,489.85 per month from June 2005. After the interest rate adjustment, the bank's calculation method is to recalculate the whole repayment period (240 months) according to the new interest rate, so as to get the monthly repayment amount.
This practice is problematic, and it does not follow the principle of repayment calculation determined by the bank: monthly interest = monthly interest rate of residual principal loan. Starting from the monthly contribution, the bank collects the interest on the remaining principal first, and then the principal; The proportion of interest in monthly payment decreases with the decrease of residual principal, and the proportion of principal in monthly payment increases, but the total monthly payment remains unchanged.
Because the interest rate is high, the interest paid in advance will be more. According to the bank's algorithm, it is not determined that you have paid the corresponding principal.
The correct calculation method is: when the interest rate adjustment takes effect, calculate your remaining principal and the number of remaining repayment periods, so as to get your monthly repayment amount, instead of recalculating the whole repayment period at the new interest rate after the interest rate adjustment, because the adjusted interest rate cannot be used before the adjustment.
For me, the amount of 1489.85 has been paid for 20 years, and the overpayment is about 2000 yuan. You can also calculate GGJJDDMM carefully.
I put it in the financial forum because I want to pass on the expert's argument here. If I finally confirm this, I will complain to China Consumers Association.