Matching principal and interest: [loan principal× monthly interest rate× (1+monthly interest rate )× repayment months ]÷[( 1+ monthly interest rate )× repayment months]

Average capital: monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate, where the symbol indicates power. Two months is quadratic.

Extended data:

First, how to repay the mortgage in advance is the most cost-effective:

1. Customers with pure provident fund loans are not recommended to repay in advance.

2. Portfolio loan: According to the actual situation of customers, the general bank will give customers three opportunities to repay in advance. It is best to pay off part of your commercial loans twice and keep the provident fund loans.

3. For pure commercial loan customers, it is most appropriate to calculate the 20-year equal principal and interest according to the interest rate.

Supplementary information:

1. Customers with pure provident fund loans are not recommended to repay in advance. Because the provident fund can only be used for housing and decoration loans, and decoration loans are short-term in nature. The loan interest rate of provident fund is only 3.25%, and no matter what financial management, the income greatly exceeds the loan interest rate, which is beneficial to me.

2. Portfolio loan: According to the actual situation of customers, the general bank will give customers three opportunities to repay in advance. It is best to pay off part of your commercial loans twice and keep the provident fund loans. The monthly repayment is directly deducted from the provident fund account, which saves the greatest worry. But I'd better communicate with the bank in advance about repayment, and I'd better go to the bank for consultation in person. State-owned big banks basically have liquidated damages for prepayment. The first prepayment should be after the first time _ hoop 1 year, usually with interest of 3 months or 6 months, so it is necessary to make preparations in advance.

3. For pure commercial loan customers, it is most appropriate to calculate the 20-year equal principal and interest according to the interest rate. If the customer chooses average capital or 30-year equal principal and interest, plan ahead and reduce the total loan amount to about 400,000 principal, so that the monthly repayment of about 2,200 will not affect family life and ensure the quality of family life. It is best to prepay only twice, otherwise you can't prepay and transfer when you sell the house.