1. Commercial loans
1. Matching principal and interest repayment method The monthly loan amount of 38, yuan for 3 years is 216.76 yuan.
2. average capital Repayment Method The first month of the 38,-yuan loan for 3 years is 2,67.22 yuan, and then it will decrease every month.
Second, provident fund loans
1. Matching principal and interest repayment method The monthly payment of 38, loans for 3 years is 1,653.78 yuan.
2. average capital Repayment Method The first month of the 38,-yuan loan for 3 years is 2,84.72 yuan, and then it will decrease every month.
after applying for a loan, customers can choose the repayment method. The calculation methods of the monthly contribution of the two repayment methods are as follows:
1. Matching principal and interest repayment method Monthly contribution = [loan principal × monthly interest rate× (1+monthly interest rate) repayment months] ÷ [(1+monthly interest rate) repayment months-1], and matching principal and interest repayment refers to monthly repayment of principal and interest.
2. average capital repayment method: monthly payment = (loan principal ÷ repayment months)+(loan principal-accumulated amount of repaid principal) × monthly interest rate, and equal principal repayment means that the principal repaid each month is the same, and the interest is reduced step by step.
: What are the factors that affect the interest rate?
① average profit rate. It must be higher than the interest rate, and it will only borrow when the average profit rate is higher than the interest rate.
② the relationship between supply and demand of loan funds. This is a very broad factor that affects interest rates. When there is more money in society, the demand of enterprises is less, the loans are less, the deposits are more, the profits are lower, and the interest rate is lower; On the other hand, the bank has no money, but the enterprise borrows a lot, and the interest rate is high at this time.
③ the influence of national economic policies. The state should adopt two policies, one is to relax monetary policy, and the other is to tighten monetary policy. When the economy is booming, in order to prevent overheating, money is tightened and interest rates are raised; When the economy is depressed, loosen money and cut interest rates.
④ international interest rate level. Interest rate is the price of money, and the flow of international funds is affected by interest rate, and funds will flow to countries with relatively high interest rates. If the United States is 1% and China is 2%, money will flow to the United States. At this time, if China wants to attract foreign investment, it will raise the interest rate. If we want to raise it to 12%, money will flow to China.