Different repayment methods, average capital, equal principal and interest. Generally, banks have equal principal and interest, that is, equal amount of money every month. However, with the increase of the benchmark interest rate of the central bank, the new interest rate will be implemented in the second year, and different banks will have different fluctuations. As far as the current benchmark interest rate is concerned, it is 7.83 for more than five years. If the annual interest of 1 10,000 yuan is 783 yuan, then it is 7830 yuan in ten years, and the interest of 50,000 yuan in ten years is 39 150 yuan. This is interest. The principal is 50,000 yuan, which adds up to 89 150 yuan, divided by 10 years and divided by 65,438.

In fact, different banks have different repayment methods. If you go to the bank for consultation, they have very strict repayment standards, and they will also print a repayment slip for you. You can see it from above.

According to the first set of housing standards, the benchmark interest rate will be lowered by 15%, and the principal and interest will be repaid in equal amount, and the monthly repayment will be 57 1.70 yuan.