The monthly interest is 5.5%/ 12.
Monthly payment of 500,000 yuan 12 (144 months):
5000005.5%/ 12 ( 15.5%/ 12) 144/[( 15.5%/ 12) 144-65444)
Description: 144 is 144 times.
Second, the housing loan calculator 20 16
Calculation of mortgage interest rate:
I. Basic formula for calculating interest The basic formula for calculating interest on savings deposits is: interest = principal × deposit period × interest rate.
II. Conversion of Interest Rate The conversion relationship among annual interest rate, monthly interest rate and daily interest rate is: annual interest rate = monthly interest rate × 12 (month) = daily interest rate ×360 (days); Monthly interest rate = annual interest rate ÷ 12 (month) = daily interest rate ×30 (days); Daily interest rate = annual interest rate ÷360 (days) = monthly interest rate ÷30 (days). Pay attention to the consistency with the deposit period when using interest rates.
3. Interest starting point 1. The starting point of interest for savings deposits is RMB, and no interest is paid for cents below RMB. 2. The interest amount shall be calculated to one decimal place and rounded to one decimal place when actually paid. 3. Except that the current savings are settled on an annual basis and the interest can be converted into principal, regardless of the deposit period, the interest of other savings deposits will be paid off with the principal at the time of withdrawal, excluding compound interest.
Iv. Calculation of deposit period 1, and the calculation of deposit period adopts the method of counting the first number and the last number. 2, regardless of the big month, small month, flat month, leap month, every month is calculated as 30 days, and the whole year is calculated as 360 days. 3. The maturity date of all kinds of deposits shall be calculated on an annual and monthly basis. If the account opening date is the missing date of the expiration month, the expiration date should be the last day of the expiration month.
Verb (abbreviation of verb) Calculation of interest on savings deposits The interest rate of savings deposits shall be subject to the interest rate published by the People's Bank of China, and the original currency shall be used for savings, and the original currency shall bear interest (the second currency can be converted into RMB according to the foreign exchange quotation of the day). Its interest-bearing provisions and calculation methods are compared with RMB deposit methods.
Iii. 20 16 housing loan interest rate calculator
During 20 16, the personal loan interest rate of China People's Bank was not adjusted. If you want to try to calculate the information of "monthly payment" for reference, please go to the homepage of China Merchants Bank and click "Financial Calculator"-"Personal Loan Calculator" on the right to try to calculate the monthly payment using the benchmark interest rate of current loans.
4. How to calculate the annualized interest rate?
Annualized interest rate: annual total income ÷ (principal x time) × 100%.
Annual interest rate: annual interest rate ÷ principal × 100%
The annual interest rate refers to the deposit interest rate for one year. The so-called interest rate is the abbreviation of "interest rate", which refers to the ratio of interest amount to deposit principal or loan principal in a certain period of time. Usually divided into annual interest rate, monthly interest rate and daily interest rate. The annual interest rate is expressed as a percentage of the principal, the monthly interest rate as a percentage, and the daily interest rate as a percentage.