The provident fund loan is 300,000 yuan, and the commercial loan is 78,000 yuan. What is the total monthly repayment for 30 years, and what are the provident fund and commercial repayment respectively (accurate figures are required). The answer is as follows:

I want to know what the interest rate of this loan is, has it gone up? This is related to the accuracy of the figures.

At present, the benchmark annual interest rate of provident fund loans is 4.90%, and if it rises 10%, it will be 5.39%; The benchmark annual interest rate of commercial loans is 7.05%, and the floating interest rate of 10% is 7.755%. Equal principal and interest repayment method:

1, provident fund loan: when the interest rate is 4.90%, the monthly repayment amount is 4 13.97 yuan; Calculated by 5.39%, the monthly repayment amount is 437.55438+0 yuan.

2. Commercial loan: when the interest rate is 7.05%, the monthly repayment amount is 2005.99 yuan; 7.755%, and the monthly repayment amount is 2 150.27 yuan.

According to the above data, if the portfolio loan (provident fund plus business) is based on the benchmark interest rate, the total monthly repayment will be 24 19.96 yuan; If the interest rate rises by 65,438+00%, the total monthly interest rate is 2,587.78 yuan.