1. First, calculate the remaining loan balance after three years of repayment.
2. (loan balance -65438+ million) is the initial value of the new loan.
3. The loan term remains unchanged: 20 -3 years = 17 years.
Calculated by the mortgage repayment calculator,
4. Choose that the monthly repayment is basically unchanged: use the mortgage repayment calculator for fitting and approximate calculation.
Second, China Agricultural Bank mortgage prepayment calculator: My first suite, I borrowed 350,000 yuan and 20 yuan. ...
Calculation formula of equal principal and interest repayment of mortgage loan
Monthly repayment amount = [principal× monthly interest rate× (1interest rate )× repayment months] /( 1 interest rate )× repayment months]
In which: monthly interest = residual principal × monthly interest rate of loan.
Monthly principal = monthly contribution-monthly interest
Calculation principle: from the beginning of monthly contribution, the bank first charges interest on the remaining principal, and then charges the principal; The proportion of interest in monthly contributions decreases with the decrease of remaining principal, and the proportion of principal in monthly contributions increases, but the total amount of monthly contributions remains unchanged.
3. ABC mortgage prepayment calculator: I borrowed 350,000 yuan for my first home in 20 years, and I want to prepay 654.38+10,000 yuan.
Matching principal and interest repayment, the total loan amount is 350,000 yuan, the total repayment amount is 474 128. 12 yuan, the interest is 128. 12 yuan, and the monthly repayment amount is 395 1.07 yuan.