I bought a house in 2008 and got a loan of RMB 2,865,438 +2005 from Industrial and Commercial Bank of China, with an equal principal and interest loan. Repayment began in July 2008. What is the final principal of 12? Thank you! If equal principal and interest are used for repayment, the commercial loan of 280,000 yuan 180 months (15 years) will be repaid in July 2008, then it will be repaid in June 2023; According to the adjustment and fluctuation of the national benchmark interest rate and the information provided by you, the total repayment amount paid in the actual repayment period of 180 months is 4 12964.65 yuan, and the total interest paid is 132964.65 yuan. The specific repayment process is as follows:

Since July 2008, the annual interest rate is 7.83%, with a discount of 8.5%. By February 2008, the monthly contribution was 2463. 1 yuan. During this period, the total monthly repayment is 14778.6 yuan, and the remaining principal is 274462.82 yuan.

From June 65438+ 10, 2009, the annual interest rate is 5.94%, and the monthly payment of 20 10 is 2,227.78 yuan, ***24 months; During this period, the monthly repayment was 53,466.66 yuan, and the remaining principal was 247,426.09 yuan.

From 20 1 1 year, 1 month, the annual interest rate is 6.4%, and the monthly payment is 2277.5438+01February, * *1February. During this period, the total monthly repayment is 27,324.14 yuan, and the remaining principal is 2,33210.97 yuan.

From June 20 12 to June 20 12, the annual interest rate is 7.05%. By February 20 12, the monthly contribution is 2342.64 yuan, *** 12; During this period, the total monthly repayment is 2811.73 yuan, and the remaining principal is 2 18679. 1 yuan;

From June 20 13, 1 year, the annual interest rate is 6.55%, and by June 2023, *** 126, the monthly contribution is 2295.9 yuan; During this period, the total monthly payment was 289,283.52 yuan, and all the loans were paid off.

You didn't give the repayment situation from 2009 to 20 10. My calculation in 2008 is the same as the picture you gave. I wonder why the beginning of 20 1 1 is different. Has your interest rate discount changed? When did it change? Did you pay in advance? When did you return it? Or are there other changes?