1. What is the bank loan interest rate in 2019?

Hello, the current benchmark loan interest rate announced by the bank for 0-6 months (including June) is 4.35, and the annual loan interest rate for June is 4.35. -1 year (including 1 year) is 4.35, 1-5 years (including 5 years) is 4.75, 5-30 years (including 30 years) is 4.90

The provident fund loan interest rate announced by the central bank:

Five years and below (inclusive) 2.75

Five years and above 3.25

2. How much is the monthly repayment of an equal-amount principal loan of 400,000 in 20 years

2011-02-09 Base rate loan principal repayment in 40 months is 1666.67 yuan, monthly interest is 2200 yuan = 9.17 yuan interest in 38 months, and so on! The monthly repayment method of equal principal and interest (equal installment method) is 3,006 yuan.

3. How to calculate the loan interest rate from 2012 to 2019?

Equal principal and interest method:

Calculation formula: monthly repayment = principal × monthly interest rate × [_1 monthly interest rate_?/_1 monthly interest rate_?-1]

Monthly interest rate = annual interest rate / 12

Total interest rate = monthly repayment amount × number of loan months - principal

Equal principal amount method:

Calculation formula: Monthly repayment = principal/n remaining principal × monthly interest rate

Total interest = principal × monthly interest rate ×_number of loan months/20.5_

IV , How to calculate bank loan interest rate

It is related to the execution interest rate. Take 200,000 for 20 years as an example.

(1) The loan interest rate is related to the purpose of the loan, the nature of the loan, the loan term, the loan policy, different lending banks, etc. The state stipulates the benchmark interest rate, and each bank determines the differential loan interest rate based on various factors, that is, it floats up or down based on the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 6, 2012. The types and annual interest rates are as follows: ① Short-term loans for six months (inclusive) 5.6; ② Six months to one year (inclusive) 6; ③ One to three years (inclusive) ) 6.15; ④ Three to five years (inclusive) 6.4; ⑤ More than five years 6.55.

(2) Mortgage: Bank loan interest rate is based on a comprehensive evaluation of the loan's credit status, etc., and the loan is determined based on the credit status, collateral, national policies (whether it is the first home), bank credit fund tension, etc. The interest rate level, if the evaluation is good in all aspects, the mortgage interest rates implemented by different banks are different. The state stipulates that the lower limit of the interest rate for the first home is 15% off. The bank loan interest rate is based on a comprehensive evaluation of the credit situation of the loan. It is based on the credit situation, collateral, National policies (whether it is the first home), etc. will determine the loan interest rate level. If the evaluation is good in all aspects, the mortgage interest rates implemented by different banks are different. Some have more discounts, some banks have a maximum discount of 85% off, and some have little or no discounts. Discount. Generally, credit funds are relatively sufficient in the first half of the year, and discounts will be higher. In the second half of the year and the beginning of the year, due to financial constraints and other reasons, the first-time home loan interest rate is based on the benchmark interest rate, sometimes 1.1 times or 1.05 times.

(3) Calculated based on the benchmark interest rate, the current benchmark interest rate was adjusted and implemented on July 6, 2012, and the adjusted interest rate is 6.55 over five years. The monthly interest rate is 6.55/12

The monthly repayment amount of 200,000 for 20 years (240 months):

2000006.55/12(16.55/12)^240/[(16.55/12 )^240-1]=1497.04 yuan

Total interest: 1497.04240-200000=159289.6 yuan

Explanation: ^240 is the 240th power