Matching principal and interest method: loan principal: 30,000 yuan, assuming annual interest rate: 4.750%, loan life: 3 years; Monthly repayment of principal and interest: 895.76 yuan, total repayment of principal and interest: 32,247.36 yuan, * * * interest payable: 2,247.36 yuan. The interest paid in 1 month is:118.75; The first 1 month principal repayment is: 777.438+0; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)

Second, how to calculate the interest of car loan for 3 years and 3 weeks?

How much is the monthly interest?

What is the highest interest rate for borrowing 30 thousand yuan for three years?

The highest interest rate is 15.4% yuan per year.

At present, the maximum interest rate of private lending should not exceed four times the quoted price of bank loans in the same period, that is, the annual interest rate is 15.4%.

The maximum annual interest rate of 30,000 yuan = 30,00015.4% = 4,620 yuan.

Total maximum interest for 3 years =46203= 13860 yuan.

The annual interest rate 15.4% and below is legal, the annual interest rate of 24% is no longer legal, and the annual interest rate of more than 36% belongs to.

4. How to calculate the interest of car loan for 3 years and 3 weeks?

Now when buying a car, people choose to borrow money to buy a car. Although it has accelerated the process of people owning their own cars, it is not a small expense for consumers. For consumers, how to calculate this interest? We're in trouble.

What is the difference between a car with a price of 654.38+ 10,000 yuan and three-year installment payment?

Generally speaking, when we buy a car, the maximum car loan can reach 70%. The common operation is three-year installment, the annual interest rate is usually around 3-4%, and the principal and interest are paid monthly.

The problem to be noted here is that this annual interest rate is not as complicated as the bank's algorithm. The algorithm is to multiply the interest rate by the total loan amount, so that it will be paid back every year. Then multiply this number by 3, add the principal of your loan to the total amount you want to repay in these three years, and divide it by 36 to get your monthly repayment.

Does this algorithm look simple? The knowledge of feeling is not beyond the scope of knowledge learned in the third grade of primary school. However, I believe that few people can find the problem. By the middle of the year, we have to repay the principal every month, which means that the amount of your loan has not been occupied by you all these three years. For example, in the last year and a half, you actually owe financial institutions only 50,000 yuan, but you use 6,543,800 yuan to calculate the profits and consumer loans you should pay back. This is very "tricky".

So a car with 6.5438+10,000 yuan needs to be calculated by stages for many years, so our total loan is 70,000 yuan, and our annual interest rate is calculated at 3%, so the total of the three is 700,003% 3 = 630. Other financial service fees and other vehicles with a price of 6,543,800 yuan need to spend 6,300 yuan more.

What should I pay attention to when buying a car with a loan?

So it must be bad to borrow money to buy a car? In fact, this is not necessarily the case. After all, money has time value. If the loan interest is really only 3%, even if it is converted into a general consumer loan, the interest rate is only 6%. If the interest rate is 4%, then you can go to the consumer loan and use it to buy a car in full. After all, there is a little less interest.

In addition, it should be noted that when buying a car, don't spend money in the dark. If the sales knowledge is to discuss interest with you at the normal interest rate, the dealer should not charge other fees, such as financial service fees. At the same time, if there is an argument that "the decoration price can be cheaper", please don't believe it. After all, the unknown cost will always be more than the calculated cost.