The repayment date is 65438+February 2022, *** 120, and the total repayment amount is 204844.58 yuan. The mortgage interest rate in June of 20 13 was 6.55%, the loan period was from June of 10 to February of 2022, and the total loan repayment was 204,844.58, of which the interest was 54,844.58 yuan.
2. What is the mortgage interest rate of CCB 20 13? My first home loan150,000 10 is paid off, then ...
Related to the execution interest rate
The bank loan interest rate is comprehensively evaluated according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. The state stipulates that the lower limit of the interest rate of the first suite is 8.5 fold, and the bank loan interest rate is comprehensively evaluated according to the credit situation of the loan. The loan interest rate is determined according to the credit situation, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated comprehensively, the mortgage interest rates implemented by different banks are different. Some banks offer more discounts, some banks offer up to 15% discount, while others offer little or no discounts. Generally, in the first half of the year, there are sufficient credit funds, and the discount will be higher. In the second half of the year, due to the shortage of funds and other reasons, the interest rate of the first home loan was subject to the benchmark interest rate, and some of them were even 1. 1 times or 1.05 times. The current benchmark interest rate was adjusted on July 6, 20 12, and the adjusted interest rate for more than five years was 6.55%. According to the benchmark interest rate:
The monthly interest rate is 6.55%/ 12.
Monthly repayment amount150,000 10 (120 months):
1500006.55%/ 12 ( 16.55%/ 12) 120/[( 16.55%/ 12) 65438.
Total interest:1707.045438+020-150000 = 54844.8.
Description: 120 is the power of 120.
Third, the problem of prepayment of commercial mortgage ~
Matching the principal and interest to repay the loan, the calculation of the principal is a bit troublesome. It is estimated that few people here will calculate it for you. . . .
What you should repay is:
1. Your monthly payment multiplied by 36 months is the amount of principal and interest that you should repay in three years;
2. Calculate the principal that you have paid back for three years, and the remaining principal after three years is: 150000- 3 years' principal, that is, the principal that you paid off in advance in June of 20 13 years.
3. Add one-month interest on the above remaining principal.
The sum of the above 1 2. Third. It is the sum of your total repayment principal and interest, and 2. Third. Is your repayment principal and interest paid in one lump sum at 20 13+ 1?
If you want to know the principal to be repaid after three years, I'll give you the calculation method.
Four. Real estate mortgage loan 1.5 million 1 year.
The bank loan interest rate is comprehensively evaluated according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. Under the current policy, the first suite is generally calculated according to the benchmark interest rate. After the adjustment on July 7th, the interest rate for more than five years is 7.05%, and the monthly interest rate is 7.05%/ 12.
Monthly repayment amount150,000 10 (120 months):
1500007.05%/ 12 ( 17.05%/ 12) 120/[( 17.05%/ 12) 65438.
Total interest:1745.505438+020-150000 = 59460.
Description: 120 is 120 times.