If equal principal and interest are used for repayment, the commercial loan will be repaid in September110,204190000); According to the adjustment and fluctuation of the national benchmark interest rate and the following information provided by you, the total expenditure of these 360 months is converted into yuan, and the total interest of the expenditure is 256,662.62 yuan; From 20 11year1month to June of 20 10, the total monthly repayment is 19056.92 yuan, and the remaining principal is 187589.24 yuan at the annual interest rate of 7.05%. From June 20 13, the annual interest rate will be 6.8 months 1239.44 yuan; During this period, the total monthly payment was 427,605.7 yuan, and all the loans were paid off.

2. When were China's Shenzhou I and Shenzhou VIII launched respectively?

Shenzhou spaceship is the third-generation manned spacecraft developed by China, with completely independent intellectual property rights.

Up to now (2065438+August 2005), Shenzhou series spacecraft have been successfully launched ten times.

Shenzhou I

Release time:1October 20th1999165438+6: 30: 7.

Return time:1999165438+10.02/0.03: 41:00.

Shenzhou II

Launch time: 200 1 year 1 day 1 day1hour 03 seconds.

Return time: 200 1 year 1 month16th 19: 22.

Shenzhou III

Release time: 22: 00 on March 25th, 2002, 15.

Return time: April 2002, 1, 16: 54.

Shenzhou IV

Release time: February 30, 2002 10:40.

Return time: 20031October 5th, 65438+ 19:00+06:00.

Shenzhou v

Launch time: 20031October 15 at 9: 00.

Return time: 20031October 16 at 6: 28.

Astronaut: Yang Liwei

Shenzhou VI

Launch time: 20051October 12 at 9: 00.

Return time: 20051October 17 at 4: 32.

Astronaut: Fei, Nie Haisheng.

Shenzhou vii

Release time: 2 1: 00 on September 25th, 2008, 10: 04.

Return time: September 28th, 2008 17: 40.

Astronauts: Zhai Zhigang, Liu Boming and Jing Haipeng.

Shenzhou VIII

Launch time: 2011115: 58:10 second.

Return time: 20 1 1 year 1 1 month17th 19: 32: 30.

Shenzhou 9

Launch date: 2065438+June 02,65438+June 06 18: 37: 24.

Return time: 2065438+June 29th, 2002 10.

Astronauts: Jing Haipeng, Liu Wang, Liu Yang (female)

Shenzhou ten

Launch date: 2065438+June 3rd11June 17: 38: 2.

Return time: 2065438+8: 07 on June 26th, 2003.

Astronauts: Nie Haisheng, Zhang and Wang Yaping.

3. My housing loan is 6.5438+0.9 million, which I have taken for 30 years. Now it has been mortgaged for 654.38+00 years. How much do I have to pay if I want to pay in one lump sum?

Your housing loan is 6.5438+0.9 million yuan, which has been borrowed for 30 years, and now it is 654.38+0 years. If you want to pay in one lump sum, you need to pay at least RMB 6.5438+0.266 million in principal and liquidated damages, because early repayment is a breach of contract and you need to pay liquidated damages.

Early repayment requires payment of liquidated damages.

1. Default penalty for prepayment of mortgage loan of China Merchants Bank: If prepayment is less than one year, interest will be charged for at least three months, and if prepayment is over one year, interest will be charged for at least one month.

Two. Liquidated damages for prepayment of CCB mortgage loan: If prepayment is less than one year, the liquidated damages will be charged at 3% of prepayment amount. If the loan is repaid in advance for one to two years, 2% of the prepayment amount will be charged. The loan is repaid in advance for two to three years, and one percent of the prepayment amount is charged.

3. Default penalty for prepayment of mortgage loan of Agricultural Bank: If prepayment is less than one year, it will be charged by multiplying the principal by the monthly interest rate, that is, the loan interest rate divided by 12 months minus the number of repayment months. Repay the loan in advance after one year, as long as there is no record of prepayment before, there will be no penalty. If the repayment has been made in advance, the applicant will not be fined if he applies again one year later.

Four. Liquidated damages for prepayment of ICBC mortgage: If prepayment is less than one year, 5% of prepayment amount will be charged as liquidated damages. If the loan is repaid in advance after one year, no penalty will be charged.

5. Default penalty for prepayment of domestic bank mortgage: If prepayment is less than one year, penalty interest of up to six months will be charged (calculated according to the loan interest rate on the prepayment date). If the loan is repaid in advance after one year, no penalty will be charged.

Liquidated damages for prepayment of bank of communications mortgage: when prepayment of mortgage, the minimum amount of partial prepayment shall not be less than 6 times of the monthly repayment amount, and the maximum amount shall not exceed 35% of the monthly repayment amount. Some advance payments can be paid back once a year for free. All prepayments are subject to liquidated damages, and 65438+ 0% of the current repayment amount is charged. However, the specific repayment amount needs to be implemented in accordance with the contract.

Seven. Penalty for prepayment of Guangfa Bank: If prepayment is less than one year, two months' interest will be added as penalty. Repay the loan in advance after one year without any penalty.

Eight. Liquidated damages for early repayment of mortgage of China Everbright Bank: If the mortgage is repaid in advance for less than one year, 3%~6% interest will be charged as liquidated damages, which shall be implemented in accordance with the contract. Repay the loan in advance after one year without any penalty.

Nine, Shanghai Pudong Development Bank mortgage prepayment penalty: when the mortgage is repaid in advance, the prepayment is less than one year, and the charge is 1. 5% or 3% different interest, some don't charge liquidated damages, as stipulated in the contract. Repay the loan in advance after one year without any penalty.

Four. 20 1 10 bought a house mortgage loan in China Bank, and paid it off in 30 years, each loan was190,000. ...

You sign a contract for the sale of commercial housing and a loan contract with the bank. After signing, all housing contracts will be sent to the real estate management department for the record. The developer will give you a receipt after you pay the down payment. The loan contract you signed together with the materials you submitted (copy of ID card, copy of household registration book, income certificate, etc. ) sent to the bank, approved by the loan department. It doesn't mean that signing a loan contract will definitely lead to a loan to buy a house. If your credit record is not good, it may not be approved.

After the real estate bureau files the case and the bank loan is approved, the developer will give you a house purchase contract, a loan contract, a loan payment receipt (because the bank has given the developer the money for your house purchase), a loan repayment card or passbook, and the developer will inform you when to start repayment.

That's it.

After the house can be handed over, you can take all your receipts to the developer for official invoices 90 days later, and you can apply for two certificates at the same time.