The current interest rate of provident fund loans was adjusted and implemented on July 6, 20 12. After adjustment, the interest rate of provident fund loans for five years or less is 4.0%, and the monthly interest rate is 4.0%/ 12.

65438+200,000 yuan, 3 years (36 months), monthly repayment:

120000 * 4%/ 12 * ( 1+4%/ 12) 36/[( 1+4%/ 12) 36-65438+

In monthly repayment, the interest varies month by month, the principal increases month by month, and the interest decreases month by month.