The mortgage is 620,000 yuan, with an annual interest rate of 5.68%, and average capital will repay it in 20 installments of 65438+/kloc-0 in 2000.
Monthly repayment of principal: 620,000 yuan/120 = 5166.67 yuan,
Interest of the first month: 620,000× 5.68% ÷12 = 2,934.67 yuan.
The principal and interest of the first month: 5166.672934.67 = 81kloc-0/.34 yuan,
Decreasing month by month: 5166.67× 5.68% ÷12 = 24.46 yuan.
Total interest (24.462934.67) ÷ 2×120 =177547.8
The total amount of debt service is 620,000177,547.8 = 797,547.8 yuan.
620,000 yuan mortgage principal repayment with interest rate of 56,800 yuan 10 year, * * * needs to repay 797,547.8 yuan.
The average capital is 440,000 yuan, and the annual interest rate is 4.0. How much is the loan 10 a * * *?
"average capital" model
Annual interest rate =4%, monthly interest rate = annual interest rate/12=0.3333%.
First, calculate the down payment.
Formula First repayment amount = loan amount [( 1/ total number of months) monthly interest rate]]
Down payment = 440000 [(1120) 0.3333%)]
Down payment = 5 133.438+09 yuan.
Second, calculate the monthly decline.
Formula Monthly Decline = Loan Amount/Monthly Total Interest Rate
Monthly decline =440000/ 1200.3333%
Monthly decreasing amount = 12.22 yuan.
3. Calculate the total interest and repayment amount.
Formula Total Interest = 1/2 Monthly interest rate of loan amount (1 total months)
Total interest =1/24400000.3333% (1120)
Total interest = 88,724.46 yuan
Total repayment = 528,724.46 yuan.
Results:
The down payment of this loan is 5 133438+09 yuan; After that, it decreased by 12.22 yuan month by month; The total interest is 88,724.46 yuan; The total repayment amount is 528,724.46 yuan.
How much is the ten-year interest on the repayment of the equal principal of the 230,000 mortgage loan in advance?
Calculation formula of equal principal repayment
1. The calculation formula of the average capital repayment method is as follows: quarterly repayment amount = loan principal divided by the number of quarters of the loan term (principal-accumulated repaid principal amount) multiplied by the quarterly interest rate. For example, the loan is 200,000 yuan, the loan term is 10 year, and the principal is repaid in equal amount every quarter: 200,000 yuan divided by (10 times 4) = 5,000 yuan; Interest for one quarter: 200,000 times (5.58% divided by 4) = 2,790 yuan; Then the repayment amount in a quarter is 50002790=7790 yuan.
2. Interest in the second quarter: (200,000-5,000 times 1(5.58% divided by 4) = 2,720 yuan; The repayment amount in the second quarter is 50002720=7720 yuan; Interest in the 40th quarter: (200,000-5,000 times 39) times (5.58% divided by 4)=69.75 yuan; Then the repayment amount in the 40th quarter (later period) is 500069.75=5069.75 yuan.
3. It can be seen that with the continuous repayment of the principal, the interest on the outstanding principal in the later period will be less and less, and the repayment amount in each quarter will gradually decrease. This method is more suitable for borrowers who already have some savings, but their expected income may gradually decrease, such as middle-aged and elderly workers' families, who have some savings, but their retirement income will decrease in the future.
The introduction of average capital loan interest 10 year ends here.