1. will pay off the commercial loan of 206,5438+00 years. According to the latest benchmark interest rate of 4.9, the monthly payment is 2 1 1.55 yuan, with total interest of 53,385.75 yuan and total repayment of 253,385.75 yuan.
2. Matching principal and interest refers to a repayment method of a loan, that is, the same amount of loan (including principal and interest) is repaid every month during the repayment period.
3. The formula for calculating the monthly repayment amount of equal principal and interest is as follows:
[loan principal × monthly interest rate ×( 1 monthly interest rate) repayment months ]=[( 1 monthly interest rate) repayment months].
2. The loan of 200,000 yuan from Agricultural Bank of China was paid off in 65,438+00 years. How much do I need to pay back every month?
According to the current bank benchmark interest rate, the loan is 200,000 yuan and the mortgage is 10 year. The monthly payment is as follows: repayment method of matching principal and interest: the total loan is 200,000.00 yuan, the repayment months are 65,438+0.20 yuan, the total interest paid is 59,275.46 yuan, and the total principal and interest is 259,275.46 yuan. Average capital repayment method: the total loan amount is 200,000.00 yuan, and the repayment months are 265,438 yuan. 120 The repayment in the first month was RMB 2,566.67, with a decrease of RMB 7.50 per month. The total interest paid is 54,450.00 yuan, and the total principal and interest is 254,450.00 yuan.
Three. How much is the monthly repayment of the loan in 206,5438+00?
The loan principal is 200,000 yuan, with a term of 65,438+00 years. According to the benchmark annual interest rate of loans of the People's Bank of China for more than five years (unchanged), the repayment method of principal and interest is equal, with the monthly payment of 265,438+065,438+0.55, and the total repayment amount is 253,385.75. The simple and popular understanding of loan is to borrow money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles." 1, loan security is the primary problem faced by commercial banks; 2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time; 3. Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan. (1) interest rate The proportion of interest in the total loan funds within a certain period is the performance of the loan price. Namely: interest rate = interest amount/loan principal interest rate is divided into daily interest rate, monthly interest rate and annual interest rate. The lender determines the loan interest rate with the lending bank according to the benchmark interest rate and interest rate floating space published by relevant laws and regulations of various countries. (II) Benchmark interest rate Benchmark interest rate is an interest rate with universal reference function in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers measure financing costs, investors calculate investment returns, and management regulates macroeconomics. Objectively, a universally recognized benchmark interest rate level is needed as a reference. Therefore, in a sense, the benchmark interest rate is the core of the formation of interest rate marketization mechanism.
Four. How much is the loan of 206,5438+00 paid off every month?
The principal of the loan is 200,000 yuan, with a term of 65,438+00 years. According to the benchmark annual interest rate of the People's Bank of China for loans of more than five years (unchanged), the repayment method of principal and interest is equal, and the monthly payment is 265,438+065,438+0.55; Total repayment: 253,385.75; Total interest: 53,385.75. Using average capital repayment method, the monthly payment is decreasing, for example, the first installment is 2,483.33, and then the decreasing amount of each installment is 6.80, the total repayment amount is 249,408.33, and the total interest is 49,408.33.