Due to the soaring housing prices, mortgage loans have almost become a fixed form of buying a house. Although it is necessary to bear a lot of interest, which can alleviate the pressure of every property buyer, most owners don't know how to calculate the monthly repayment amount. Then, what is the monthly payment of 1 10,000 10? How is the monthly payment calculated? Let's have a brief look with Bian Xiao.
1. How much is the monthly payment 1 10,000 10?
The total amount of mortgage is 6,543,800 yuan, and the loan period is 654.38+00 years. According to different calculation methods, the monthly repayment amount will be different. 1, equal repayment of principal and interest: the monthly payment is fixed at 10557.74 yuan; 2. Equal principal repayment: the first installment 1 monthly repayment 124 16.67 yuan, the second installment 12382.64 yuan, the third installment 12348.6 1 yuan, and the fourth installment.
Second, the calculation method of monthly supply
1, equal principal and interest
The monthly repayment amount of equal principal and interest is the same, and the monthly repayment amount is equal to the latest annual interest rate divided by 65438+February, and then multiplied by the remaining principal. Assume that the borrower's total loan amount is 200,000 yuan, the loan period is 20 years, the latest loan interest rate is 4.9%, and the monthly repayment cost is 1308.89, of which the first principal is 492.22 yuan, the interest is 8 16.67 yuan, and the second principal is 494.23 yuan, and the interest is 81.
2. Average capital
If you choose the calculation method of average capital, the interest generated during the period will be less, and the monthly payment is equal to the principal to be repaid every month plus the interest generated by the remaining principal. Similarly, taking a loan of 200,000 yuan as an example, the loan term is 20 years, the interest rate is 4.9%, the repayment amount in the first month is 1.650 yuan, and the repayment amount in the second period is 1.646.6 yuan, in which the principal is fixed at 833.33 yuan.
Editor's summary: according to different loan methods, the monthly repayment amount is also different. Although regular banks will not cheat, knowing the monthly repayment cost can better share the expenses. The above is the monthly payment 1 ten thousand 10 and the calculation method of monthly payment. I hope it helps you. If you want to know more, please follow Qijia. com。
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