Matching principal and interest: the total monthly repayment amount is fixed, in which the principal part increases month by month and the interest part decreases month by month.
Calculation formula of equal principal and interest: monthly repayment amount = principal * monthly interest rate *( 1+ monthly interest rate) * loan months /( 1+ monthly interest rate) * repayment months-1.
Monthly interest rate = annualized interest rate/12
65,438+0,40,000 yuan is divided into 36 installments. If calculated according to the annual loan interest rate of LPR4.65%, the total interest is 2932. 17 yuan, the total repayment is 42932. 17 yuan, and the monthly payment is 1. 192.56 yuan.
24,000 yuan is divided into 36 installments. If the annual interest rate of the loan is 4.9%, the total interest is 3093.47 yuan, the total repayment is 43093.47 yuan, and the monthly payment is 1. 197.04 yuan.
Second, the average capital
Average capital: the total monthly repayment decreases, in which the principal part is fixed and the interest part decreases month by month.
Average fund calculation formula: monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.
Monthly interest rate = annualized interest rate/12
65,438+0,40,000 yuan is divided into 36 installments. If calculated according to the annual loan interest rate LPR of 4.65%, the total interest is 2867.50 yuan and the total repayment is 42867.50 yuan. The monthly payment is as follows.
No.65438 +0: 1, 266. 1 1 yuan, No.2: 1, 26 1.8 1 yuan, No.3: 1.
No.365438 +0: 1, 136.94 yuan, No.32: 1, 132.64 yuan, No.33: 1, 128.33 yuan, 33 yuan.
24,000 yuan is divided into 36 installments. If the annual interest rate of the loan is 4.9%, the total interest is 302 1.67 yuan, and the total repayment is 4302 1.67 yuan. Monthly payments are as follows:
No.65438 +0: 1, 274.44 yuan, No.2: 1, 269.9 1 yuan, No.3: 1, 265.37 yuan, No.4: 1, 260.88 yuan.
No.365438 +0: 1, 138.33 yuan, No.32: 1, 133.80 yuan, No.33: 1, 129.26 yuan, 33 yuan.