There are usually two repayment methods: equal principal and interest repayment method and average capital repayment method. Some banks can do both, but some banks only do equal principal and interest repayment. Matching principal and interest repayment method is to average the principal and interest in the loan to the top of each month, and the repayment amount is the same every month.

1, calculated by equal principal and interest repayment method: 1.5 million yuan, 10 yuan, the interest rate increased by 10%, and the actual monthly interest rate was 5.445%. In this case, your monthly repayment 17058. 16 yuan, plus interest, the total repayment is 204.70 yuan. The average capital repayment method refers to the repayment of the same amount of principal every month. With the reduction of principal, the monthly interest is gradually reduced, so the monthly repayment amount is also reduced accordingly.

2. Calculated by the average capital method: the loan was 6,543.8+0.5 million yuan, which was paid off in 654.38+00 years, and the interest rate rose by 6,543.8+00%, and the actual monthly interest rate was 5.445%. The repayment in the first month is 20,667.50 yuan, a decrease of 68.06 yuan per month, and the total repayment is 654.38+099.438+0.

Loan interest:

Loan interest = loan amount * loan interest rate * loan term = loan amount * days * daily interest rate = loan amount * months * monthly interest rate = loan amount * years * annual interest rate.

Loan days = actual Gregorian calendar days (for example, from 201210 to 2012 May 24th, it should be 1 10 actual days in February+actual days in March+actual days in April).

Monthly interest rate = annual interest rate/12

Note: The benchmark loan interest rates announced by the central bank are all annual interest rates.