I bought a house of 4.5 million yuan, with a down payment of 6.5438+0.5 million yuan. The balance is divided into 30 years, with an annual interest rate of 5%, and it will be paid in monthly installments, and it will rise to 5 million yuan after 5 years. This needs to consider the value of time. It didn't say when the loan interest would be paid. It will be paid at the end of each year temporarily, and 654.38+ten thousand yuan will be paid every year after 30 years. The results of monthly payment will not be considered when paying the principal throughout the year.

Return on investment = annual profit or average annual profit/total investment × 100%

Total investment after five years = 150x (F/P, 5%, 5)+ 10x (F/A, 5%, 4)+ 10x (A/F, 5%, 25) =1.

Total return after 5 years =500-375.43= 124.57.

Annual rate of return = 124.57/5=24.9 14.

Annual yield =24.9 14/375.43=6.64%