If there is a real estate loan in a bank, the loan should pay interest at the interest rate stipulated by the bank. This interest rate is the mortgage interest rate. \x0d\ Calculation formula of mortgage interest rate \x0d\ Calculation method: There are two calculation formulas according to the general mortgage repayment method: \x0d\ 1. Calculation formula of equal principal and interest: \x0d\ Calculation principle: from the beginning of monthly contribution, the bank will charge interest on the remaining principal first, and then the principal; The proportion of interest in monthly payment decreases with the decrease of residual principal, and the proportion of principal in monthly payment increases with the increase, but the total monthly payment remains unchanged. It should be noted that: \x0d\ 1 The maximum amount of urban provident fund loans should be considered in combination with local conditions; \x0d\ 2。 For residents who have borrowed money to buy a house but whose per capita area is lower than the local average, and then apply for a second set of ordinary self-occupied housing, the preferential policy of purchasing ordinary self-occupied housing with the first loan shall be implemented mutatis mutandis. \x0d\ II。 Calculation formula of average capital: \x0d\ monthly repayment amount = monthly principal+monthly principal and interest \x0d\ monthly principal = principal/repayment months \x0d\ monthly principal and interest = (principal-accumulated repayment amount) x monthly interest rate \x0d\ Calculation principle: the monthly repayment amount of principal remains unchanged, and the interest decreases with the remaining principal.