1. The monthly payment you provide is about 3,500 yuan and 2,700 yuan. If the loan is repaid this month, the annual interest rate of the loan is about 6%, and the monthly payment is 3,500 yuan according to the average capital method and 2,697.98 yuan according to the equal principal and interest method.

At present, the interest rate of bank loans for more than five years is 7.05%, and all major banks have cancelled interest rate concessions. If the annual interest rate is 7.05%:

1, equal principal and interest method: the monthly repayment amount is 3008.99 yuan (the same every month), and the total interest for 30 years is 633,235.45 yuan.

2. Average capital method: the monthly repayment amount is different. The repayment amount in the first month is 3,893.75 yuan (it will decrease month by month, with a monthly decrease of 7.34 yuan), the repayment amount in the last month is 1.257.34 yuan, and the total interest for 30 years is 477 1.96.88 yuan.

Compared with the above two methods, the average capital method is less than the equal principal and interest method 156038.58 yuan.

When handling loan procedures in a bank, you can choose which repayment method to use according to your repayment ability.

2. Now suppose that your loan can be settled on June 65438+ 10 this year, and formal repayment will be started from June 65438+ 10, using the equal principal and interest method. By the end of 2012 (20121February), 200,000 yuan was repaid in advance (you can apply for early repayment after one year of normal repayment). After prepayment, the whole loan will be recalculated. There are two calculation methods for you to choose from:

1, the repayment period remains unchanged, and the monthly repayment amount decreases. After calculation, after you repaid 200,000 yuan in advance at the end of 1965, it was 438+097,299.28 yuan, the recalculated monthly payment was 65,438+0336.22 yuan, and the total interest for 30 years was 30,365,438+022.87 yuan.

2. The monthly repayment amount is basically unchanged, shortening the repayment cycle. After calculation, after you prepay 200,000 yuan at the end of 2065, it will be 438+097,299.28 yuan, the shortened repayment period will be 8 years and 2 months (96 months), the monthly payment will be 3,065,438 yuan +00.42 yuan, and the total interest for 8 years and 2 months will be 965,438 yuan +0990.88 yuan.

All the above are calculated on the assumption that the loan interest rate will not be adjusted.

3. As for the liquidated damages (also called compensation) for early repayment, generally, after one year of normal repayment, the application does not charge liquidated damages. If yes, one month's interest will be charged as compensation for the bank: 250,000 yuan * (7.05%/12) =1.468.75 yuan. Some banks still have a fixed amount: 1000- 1500 yuan.

Regarding whether prepayment is worthwhile, the answer is yes-yes. The principle of prepayment is: according to your own economic situation, the earlier you repay, the more you pay, and the less the total interest you pay.

I hope the above answers are helpful to you.