If the repayment is made by matching principal and interest, the commercial loan of 600,000 yuan will be repaid in 240 months (20 years) in April 2009, then it will be repaid in March 2029. According to the adjustment and fluctuation of the national benchmark interest rate and the information provided by you, the total loan interest you paid is 359,867.78 yuan in the following time period;
Since April 2009, the annual interest rate is 5.94%, and the monthly payment is 37,865,438 yuan +0.34 yuan. During this period, the total monthly repayment is 79,408.08 yuan, and the remaining principal is 56,665,438 yuan +029.04 yuan;
From 20 1 1 year to 1 year, the annual interest rate is 6.4%, and the monthly contribution from 201/kloc-0 to February is 3885.4 yuan. During this period, the total monthly repayment is 46,624.86 yuan, and the remaining principal is 54,644.438+0 yuan.
From June 20 12 to June 20 19, the annual interest rate is 7.5%, and by March 2029, the monthly contribution is 4028. 19 yuan; During this period, the monthly payment totaled 833,834.84 yuan, and all the loans were paid off.
Matching principal and interest repayment method:
Monthly loan amount = [loan principal × monthly interest rate ×( 1+ monthly interest rate )× repayment months ]=[( 1+ monthly interest rate )× repayment months]
Monthly interest payable = total loan amount × monthly interest rate ×[( 1+ monthly interest rate )× repayment months -( 1+ monthly interest rate) (repayment month serial number-1)] ÷ [(1+monthly interest rate )× repayment months-
Monthly principal repayment = total loan amount × monthly interest rate ×( 1+ monthly interest rate) ÷ (repayment month serial number-1)÷[( 1+ monthly interest rate) repayment months-1]
Total interest = repayment months × monthly repayment amount-loan principal