It depends on what kind of loan. Loan term and loan interest rate? The amount of the loan is easy to calculate.

Second, how to calculate how much principal and interest have been repaid?

First, determine the loan interest rate. At present, the benchmark loan interest rate is 5.9% and the monthly interest rate is 0.49%.

2. The formula for calculating the monthly payment of equal principal and interest: [loan principal × monthly interest rate ×( 1 interest rate )× repayment months ]⊙[( 1 interest rate )× repayment months]

3. Substitute the formula to get the monthly payment of 2 173.52 yuan, multiply the monthly payment by 240 months to get the total principal and interest of 52 1644.37 yuan, and then subtract the principal of 305,839 yuan to get the total interest of 2 15805.37 yuan.

Three, about the calculation formula of loan repayment

I. Equal principal and interest repayment method

1. Matching principal and interest repayment method, the interest expense is the largest and the principal is the least in the initial repayment stage. After that, the interest payment gradually decreased and the principal gradually increased, but the monthly repayment amount (principal and interest) was the same. It is more suitable for young people with low income and little savings, because the pressure of monthly payment will not reduce the quality of life.

2. The formula is: monthly repayment amount = monthly interest rate of loan principal (1 interest rate), total repayment months/((kloc-0/interest rate), total repayment months-1), which are all fixed, so the repayment amount is fixed. Let's modify the formula: monthly repayment amount = monthly interest rate of loan principal /(( 1 interest rate) total repayment months-1).

3. We call' monthly interest rate of loan principal' as monthly interest, and' monthly interest rate of loan principal /(( 1 interest rate) total repayment months-1)' as monthly principal. The sum of the two is the monthly repayment amount, which is also called the total principal and interest (one month); Total interest = total repayment months Total principal and interest-loan principal, that is, all the interest you spend.

Second, the average capital repayment method.

1, the average capital repayment method means to repay the loan principal in equal amount every month, with the loan interest decreasing month by month and the monthly repayment amount (principal and interest) decreasing gradually. The total interest paid is less than the equal principal and interest method. Suitable for middle-aged people with high income and certain savings.

2. The formula is: monthly repayment amount = loan principal/total repayment months (loan principal-accumulated repaid principal) monthly interest rate. In which: accumulated repayment principal = loan principal/total repayment months. In the formula, the number of repayment months is variable, so the monthly repayment amount is variable. We modify the formula to: monthly repayment amount = loan principal/total repayment months (monthly interest rate of loan principal-monthly interest rate of loan principal/total repayment months).

3. Loan principal/total repayment months, which we call monthly repayable principal, is a fixed value; The monthly interest rate of the loan principal, which we call the interest payable in the first month, is a fixed value; Loan principal/total repayment monthly interest rate = monthly repayment monthly interest rate, which is called spread and is a fixed value; Interest payable in the first month-the number of months in which the interest margin has been repaid is the interest to be repaid in the current month, which is a variable, namely: interest payable in the x month = interest payable in the first month-interest margin (x-1); Total interest payable = the sum of monthly interest payable in all months, which is the total interest you pay.

Extended data

(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.