1. First, determine the total loan amount, loan term and loan interest rate. Suppose the total loan amount is A yuan, the loan term is N months, and the loan interest rate is R (annual interest rate).
2. Calculate the monthly principal repayment amount. Divide the total loan amount by the loan period, that is, A/n, to get the monthly principal repayment amount.
3. Calculate the monthly interest repayment amount. The interest repayment amount in the first month is the total loan multiplied by the monthly interest rate r/ 12, that is, A*r/ 12. As the principal decreases every month, the amount of interest repayment will also decrease month by month.
4. Calculate the total repayment amount every month. Add up the monthly principal repayment amount and interest repayment amount, which is the total repayment amount of each month.
For example, suppose the total loan amount is 6,543,800 yuan, the loan term is 20 years (240 months) and the loan interest rate is 5%. According to the method of average capital, the monthly principal repayment amount is1000000/240 = 4166.67 yuan. The interest paid in the first month is1000000 * 5%/12 = 4166.67 yuan. So the total repayment in the first month is 4166.67+4166.67 = 8333.34 yuan.
With the decrease of monthly principal, the monthly interest repayment amount will also decrease, but the monthly principal repayment amount remains unchanged. In this way, the total monthly repayment will also decrease month by month.
I hope the above information is helpful to you.
If you don't know your online loan application, you can try to get a big data report from Lan Bing Data, check your detailed loan records, and then confirm that you borrowed the money yourself. At this time, you should pay off all the money you owe, and then contact the customer service of the corresponding platform to let them handle it and see if the blacklist of online loans can be eliminated.