The 20-year interest of Yu 'ebao is 32w, which is based on the premise that 40w cash needs to stay in Yu 'ebao all the time, which is equivalent to 32w of 40w 20-year interest. Repayment of interest and principal at maturity
The mortgage is equivalent to a loan of 40w, but it is paid in the first month, and then it is paid in half every month, for example, in the tenth year, which is equivalent to a loan of only 20w in the next five years. This is an installment payment.
A rough algorithm, the same time, the same amount, due repayment interest amount \2= installment repayment interest amount.
It is equivalent to a mortgage. If you don't pay back the money within 20 years, you will pay back the money when it is due, and the interest is about twice that of 22w. * * * About 44w
The mortgage interest rate is about 12w higher than that of Yu 'ebao.