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. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1. 1 times the benchmark interest rate. Since 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. At the beginning of April, large state-owned banks began to implement preferential interest rates for the first home loan. The interest rate discount of some banks can be up to 15%. The current benchmark interest rate was adjusted and implemented on July 7, 20 1 1 year. The interest rate for more than five years is 7.05%, and the preferential monthly interest rate is 7.05%*0.85/ 12.
Monthly repayment of 65438+ million 15 (180 months):
100000 * 7.05% * 0.85/ 12 * ( 1+7.05% * 0.85/ 12) 180/[( 1+7.05)
Total interest: 843.45 *180-100000 = 51821.
Description: 180 is 180 times.
Matching repayment method of principal and interest: monthly repayment amount = [loan principal× monthly interest rate× (1+monthly interest rate) repayment months ]=[( 1+ monthly interest rate) repayment months-1] monthly interest payable = loan principal× monthly interest rate× [(1]. [(1+monthly interest rate) repayment months-1] monthly repayable principal = loan principal× monthly interest rate× (1+monthly interest rate) (repayment month serial number-1) [(1) repayment months-/kloc. Total interest = repayment months × repayment amount-average repayment method of loan principal: monthly repayment amount = (loan principal ÷ repayment times × monthly interest rate = loan principal ÷ repayment months × monthly interest rate = total interest = [(total loan amount ÷ repayment months+total loan amount × monthly interest rate)+total loan amount ÷]