Loan principal: 65,438+000,000 yuan, loan term: 65,438+00 years (65,438+020 months), four situations in which the interest rate remains unchanged and the loan is fully paid off: ☆ According to the commercial loan, the annual interest rate of the matching principal and interest is 6.55% (the monthly interest rate is 5.45833333333 ‰). The total interest is 33,022.92 yuan. The annual interest rate calculated by matching the principal and interest is 4.5% (the monthly interest rate is 3.75‰). Monthly payment: 1036.38 yuan. Total interest: 24,366.09 yuan ☆ According to the provident fund loan, the annual interest rate calculated by average capital is 4.5% (the monthly interest rate is 3.75‰). The monthly payment in the first month is 1208.33 yuan, which decreases month by month: 3.63 yuan.

Second, how to calculate the bank loan of 65,438+10,000 10 years to pay off the interest?

The bank loan of RMB 654.38+10,000 will be paid off in 654.38+00 years, and the interest will be determined according to the interest rate and repayment method.

There are two ways to repay loans: average capital and equal principal and interest. Under the condition of the same loan time, the interest paid by the equal principal and interest repayment method is higher than that by the average capital repayment method. Therefore, if you plan to repay in advance, you'd better choose the average capital repayment method. If it is partial prepayment, it is more cost-effective to prepay with equal principal and interest, and it is the most cost-effective way to shorten the service life with equal principal and interest.

Extended data

Matching principal and interest repayment method is to add up the total principal and interest of mortgage loans and then distribute them evenly to each month of repayment period. The monthly repayment amount is fixed, but the proportion of principal in the monthly repayment amount increases month by month, and the proportion of interest decreases month by month.

Calculation formula of monthly repayment amount of equal principal and interest:

[loan principal × monthly interest rate ×( 1 monthly interest rate) repayment months ]=[( 1 monthly interest rate) repayment months]

Third, how to calculate the bank loan of 65,438+10,000 10 years to pay off the interest?

The annual interest rate of the loan (including 30 years) is 4.9%. According to the benchmark interest rate, with the interest rate unchanged, the principal and interest will be repaid in equal amount. The total interest is 2669 yuan, namely 1055.77 yuan. Using the average capital method, the total interest is 24,704.17 yuan, and the monthly repayment amount decreases month by month.

If you are going to apply for a loan in China Merchants Bank, the loan interest rate needs to be determined by the outlets in combination with the business type, credit status and guarantee method you apply for.

4. How to calculate the bank loan of 65,438+10,000 yuan 10 year to pay off the interest?

At present, the benchmark interest rate of the bank is 6.55 per year, and the mortgage needs to go up at least 1. 1 times, that is to say, the minimum interest rate is 7.205, 1.00 million loan, and the monthly payment is11.68, from.