The calculation formula of average capital is: monthly repayment amount = monthly principal and interest, monthly principal = the number of months of principal repayment, and monthly principal and interest = (principal-total accumulated repayment) x monthly interest rate; Calculation principle of average capital interest rate: the amount of principal returned every month is always the same, and interest will decrease with the decrease of remaining principal.
Average capital refers to the repayment method of loans, that is, the total loan amount is divided into equal parts during the repayment period, and the same amount of principal and interest generated by the remaining loans in the month are repaid every month. In this way, because the monthly repayment amount is fixed and the interest is less and less, the borrower is under great pressure to repay at first, but as time goes on, the monthly repayment amount is less and less.
After the loan in the average capital is repaid in advance, you can choose to shorten the repayment period and reduce the monthly payment, both of which will reduce your total interest burden. If you want to reduce the interest burden as much as possible, I suggest you shorten the repayment period. If you feel that the repayment pressure is relatively high, you can choose to reduce the monthly payment.
Ways and processes of repaying loans in advance:
1, please repay all the loans in advance. It is undoubtedly the best to repay all the loans at one time, which can save a lot of interest, but the interest already paid is non-refundable.
2. Partial prepayment, the remaining monthly repayment amount remains unchanged, and the repayment period is shortened, which can reduce a lot of interest.
3. Partial prepayment, the monthly remaining repayment amount is reduced, but the repayment period remains unchanged, which can reduce the monthly payment and relieve the pressure.
4. Partial prepayment, the remaining loan not only reduces the monthly repayment amount, but also shortens the repayment period and saves a lot of interest.
How to calculate the average capital repayment method?
The calculation formula is: equal monthly repayment amount of principal and interest = [monthly interest rate loan principal (monthly interest rate 1) repayment months] = [(monthly interest rate 1) repayment months].
Add up the total principal and interest of the mortgage loan and distribute it evenly to each month of the repayment period. The monthly repayment amount is fixed, but the proportion of principal in the monthly repayment amount increases month by month, and the proportion of interest decreases month by month. This method is the most common and recommended by most banks for a long time.
Matching principal and interest repayment method refers to the borrower's equal repayment of loan principal and interest every month, in which the monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled every month.
The average capital repayment method means that the borrower repays the loan principal with the same amount (loan amount/loan months) every month, calculates the loan interest according to the remaining loan principal at the beginning of the month, and settles it every month, and the sum of the two is the monthly repayment amount.
Extended data:
Matching principal and interest repayment method, that is, the borrower repays the loan principal and interest in equal amount every month, in which the monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled every month.
Because the monthly repayment amount is equal, in the initial monthly repayment of the loan, after excluding the monthly settlement interest, the loan principal is less; In the later stage of the loan, due to the continuous reduction of the loan principal, the loan interest is continuously reduced in the monthly repayment amount, and the monthly repayment of the loan principal is more.
This repayment method actually takes up more bank loans and takes longer. At the same time, it is also convenient for borrowers to reasonably arrange their monthly life and financial management (such as renting a house, etc.). ). It is undoubtedly the best choice for those who are proficient in investment and are good at "taking Qian Shengqian as their home"!
Average capital calculation formula
Average capital divides the total loan into equal parts during the repayment period, and repays the same amount of principal and the interest generated by the remaining loans in that month every month. In this way, because the monthly repayment amount is fixed and the interest is getting less and less, the borrower is under great pressure to repay at first, but as time goes on, the monthly repayment amount is getting less and less.
Calculation formula of average capital loan:
Monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.
For example:
1. Loan 1.2 million yuan, with annual interest rate of 4.86% and repayment period of 10 year;
Matching principal and interest:1repayment after 0 years 15 1750.84 yuan, with total interest of 3 1750.84 yuan;
Average capital:1repayment after 0 years149,403.00 yuan, with total interest of 29,403.00 yuan;
The difference between them: 2347.84 yuan/10 year, only 235 yuan a year.
2. The loan is 6.5438+0.2 million yuan, with an annual interest rate of 4.86% and a repayment period of 20 years;
Matching principal and interest: repayment after 20 years 187846.98 yuan, with total interest of 67846.98 yuan;
Average capital: repayment after 20 years178,563.00 yuan, with total interest of 58,563.00 yuan;
The difference between the two: 9283.98 yuan /20 years, only 465 yuan a year.
3. The loan is 3 million yuan, with an annual interest rate of 4.86% and a repayment period of 30 years;
Matching principal and interest: 57056 18.40 yuan will be repaid after 30 years, and the total interest will be 27056 18.40 yuan;
Average capital: after 30 years, the repayment is 565,438+093,073.80 yuan, and the total interest is 265,438+093,075.00 yuan;
The difference between them is nearly 5 1 1,000 yuan. The more loans, the longer the service life, and the more equal repayment of principal and interest than in average capital.
How to calculate the formula of average capital repayment method?
The average capital has the following formula:
1, monthly repayment of principal = total loan ÷ repayment months;
2. Total repayment interest = (repayment months 1)× loan amount× monthly interest rate ÷ 2;
3. Monthly repayment amount = (principal ÷ repayment months) (principal-accumulated repaid principal) × monthly interest rate;
4. Monthly repayment interest = (total loan-accumulated repayment principal) × monthly interest rate;
5. Total repayment amount = (repayment months 1)× loan amount× monthly interest rate ÷2 Total loan amount.
Average capital refers to a repayment method of loans. During the repayment period, the total amount of loans is divided into equal parts, and the same amount of principal and interest generated by the remaining loans of the month are repaid every month. In this way, because the monthly repayment amount is fixed and the interest is less and less, the borrower is under great pressure to repay at first, but as time goes on, the monthly repayment amount is less and less.
Calculation method
It is also convenient to determine the repayment ability according to your own income.
The total expenditure of this repayment mode may be reduced relative to the matching principal and interest, but the repayment pressure is greater at first.
If it is used for mortgage, this method is more suitable for people who are at the peak of work or are about to retire.
Calculation formula of average capital loan:
Monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.
And the interest rate is very low:
For example:
1, loan 10.2 million yuan, annual interest rate of 4.86%, repayment period10 year;
Matching principal and interest:1repayment after 0 years 15 1750.84 yuan, with total interest of 3 1750.84 yuan;
Average capital:1repayment after 0 years149,403.00 yuan, with total interest of 29,403.00 yuan;
The difference between them: 2347.84 yuan/10 year, only 235 yuan a year.
2. The loan is 6.5438+0.2 million yuan, with an annual interest rate of 4.86% and a repayment period of 20 years;
Matching principal and interest: repayment after 20 years 187846.98 yuan, with total interest of 67846.98 yuan;
Average capital: repayment after 20 years178,563.00 yuan, with total interest of 58,563.00 yuan;
The difference between the two: 9283.98 yuan /20 years, only 465 yuan a year.
3. The loan is 3 million yuan, with an annual interest rate of 4.86% and a repayment period of 30 years;
Matching principal and interest: 57056 18.40 yuan will be repaid after 30 years, and the total interest will be 27056 18.40 yuan;
Average capital: after 30 years, the repayment is 565,438+093,073.80 yuan, and the total interest is 265,438+093,075.00 yuan;
The difference between them is nearly 5 1 1,000 yuan. The more loans, the longer the service life, and the more equal repayment of principal and interest than in average capital.
Matching principal and interest means paying the same amount of loans (including principal and interest) every month during the repayment period.
Monthly repayment amount = [loan principal × monthly interest rate ×( 1 monthly interest rate) repayment months ]=[( 1 monthly interest rate) repayment months]
The characteristics of equal principal and interest repayment method: the principal of equal principal and interest repayment method increases month by month, the interest decreases month by month, and the monthly repayment amount remains unchanged; Compared with the repayment method of general capital, the disadvantage is that there are many interest expenses. Interest accounts for most of the monthly payment in the initial repayment period. With the gradual return of the principal, the proportion of the principal in the contribution is also increasing. However, the monthly repayment amount of this method is fixed, which can control the expenditure of family income in a planned way and facilitate each family to determine the repayment ability according to their own income.
The characteristics of the average capital repayment method are: the principal of the average capital repayment method remains unchanged, the interest decreases month by month, and the number of monthly repayments decreases; Because the monthly repayment amount is fixed and the interest is getting less and less, the lender is under great pressure to repay at first, but as time goes on, the monthly repayment amount is getting less and less.
Calculation formula of equal principal repayment
Calculation formula of equal principal repayment: monthly repayment amount = (loan principal ÷ repayment months) (loan principal-accumulated repaid principal amount) × monthly interest rate.
Matching principal repayment is to spread the loan principal evenly to each repayment month, with the repayment principal unchanged and the repayment interest decreasing month by month.
Average capital repayment method is a very simple and practical repayment method. The principle of the basic algorithm is to repay the loan principal in equal amount on schedule during the repayment period, and at the same time pay off the interest generated by the unpaid principal in the current period. Repayment methods can be monthly repayment and quarterly repayment.
Due to the requirement of bank interest settlement practice, quarterly repayment is generally adopted (such as China Bank).
For example, we also borrowed 200,000 yuan from the bank, and the repayment period was 15 years. If you choose to repay the same principal, you need to repay the bank principal11yuan every month, and the interest in the first month is 9 18 yuan, totaling 2,200 yuan in the first month. Then, every month,
Average capital
For equal principal repayment, the burden at the beginning of the month is heavier than the equal principal and interest. Especially when the total loan amount is relatively large, the difference may reach 1000 yuan. But with the passage of time, the repayment burden is gradually reduced.
This method is very suitable for people with higher income, but it is predicted that their income will decrease in the future. In fact, many people over middle age, after a period of efforts, have a certain economic foundation. Considering that your income may decrease with retirement and other factors, you can choose this way to repay.
Because the monthly repayment of the principal is fixed, the monthly loan interest decreases month by month with the decrease of the principal balance, so the average capital repayment method has a large monthly repayment amount at the initial stage of the loan, and then decreases month by month (monthly repayment amount = monthly repayment of the principal × monthly interest rate).
For example, 654.38 million yuan, 15-year provident fund loan, the monthly repayment amount of the equal repayment method is 760.40 yuan, while the first month repayment amount of the average capital repayment method is 923.06 yuan (a decrease of 2.04 yuan per month), which is higher than the former 163.34 yuan.
Because the latter repaid part of the loan principal in advance, it actually reduced the occupation and shortened the occupation of the bank's money. Of course, the loan interest is generally small (10 is 36 13.55 yuan), which does not mean that the borrower has gained any additional benefits!
This repayment method is suitable for people whose living burden will be heavier and heavier (pension, medical care, children going to school, etc.). ) or income is expected to decrease gradually.
It can be seen that the repayment method in average capital is not an option to save interest. If there is really a good way to save interest, it is to learn to spend rationally, according to one's own economic strength, to live within one's means, to borrow as little as possible and to borrow short money. This is the only feasible way.
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