I borrowed 200,000 yuan from the housing provident fund in May, with a term of 10 years, with an annual interest rate of 4.7% and equal principal and interest. Why is the monthly payment from the bank closer to 200 yuan than online? The loan is 200,000 yuan, with a term of 65,438+00 years and an interest rate of 4.70%. According to the matching principal and interest method, the monthly amount is 2092. 10 yuan, and now 2274 yuan has been deducted, more than 1.8 1.90 yuan, for the following reasons:

The interest in May is included in 2274 yuan. Your loan may be released on May 24th, the first repayment in June, the interest for 7 days in May and the deduction in June.

The interest for 7 days is: 200,000 * 4.70%/360 * 7 = 182 yuan.

The monthly supply from July should be 2092438+00 yuan, which will not change by the end of this year.

The above answers are for your reference.