I can't count. The question you just asked is the same as my current mortgage. The average principal for 20 years is 520,000 yuan, and now it is still 3,554.67 yuan per month, so you only need to prepare 3,600 yuan per month.
On-line calculation of mortgage calculator
Online calculation of mortgage calculator includes equal monthly payment, that is, equal principal and interest repayment method and decreasing monthly payment, that is, average principal repayment method. Using a mortgage calculator is also very simple. Just open the mortgage calculator, enter the loan amount, loan term, loan interest rate and repayment method in the commercial loan window, and then click Calculate.
First, about mortgage.
With the development of society, many people will choose to buy a house, but they will choose a mortgage because of lack of funds. Mortgage loan is also called house mortgage loan. If the buyer fills in the mortgage loan application form and provides relevant legal certificates to the bank, the bank can promise the loan to the buyer after examination, and handle the mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded by the buyer. The mortgage is calculated after the buyer borrows money to buy a house, so the mortgage calculator is derived at this time. Mortgage calculator is a very convenient software, which can accurately calculate the mortgage that needs to be repaid every month. It should also be noted that after the mortgage starts, it will be paid back every month. If it is overdue, it will be very serious.
Second, about the mortgage calculator.
I believe many people who buy a house have used the mortgage calculator because it is a very easy-to-use software. The monthly equal repayment method calculated online by mortgage calculator means that 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. The latest mortgage interest rates of mortgage calculator are 201510/October 24th, 202 1 2020, 20 19, 20 18. At present, the commercial mortgage interest rate for more than five years is 4.9%, and the mortgage interest rate for less than five years is 4.75%.
To sum up, the mortgage calculator is very practical for ordinary people who repay their mortgages. Including matching principal and interest repayment method and average capital repayment method, including total loan amount, repayment months, monthly repayment amount, total interest payment, total principal and interest, etc.
The loan calculator pays interest first, and then pays the principal in one lump sum.
Commercial loan calculator
1. Equal principal and interest: calculate the monthly fixed repayment amount through the formula or mortgage calculator (below the fixed formula), then calculate the current month's interest according to the interest rate, the fixed repayment amount minus the interest is the current month's principal, the remaining principal of the next month is the interest, then the fixed amount minus the interest is the principal payable in the second month, and so on.
Online calculator of loan interest rate
Then you can raise the interest rate of the loan calculator: after several attempts, you will find that the interest rate of 16.2 1% is the same as the monthly repayment amount stated by the mortgage agency, so the actual interest rate is 16.2 1%, not 9%. There is no need to learn IRR formula at all, and the actual annualized interest rate can be calculated immediately through the mobile phone. Interest first, then funds.
First, the mortgage interest, and then this calculator.
To calculate the monthly repayment amount after calculating the loan interest, you only need to multiply the loan principal by the daily interest rate and then by the number of months. For example, Xiaokui borrows 10000 yuan, the daily interest rate is 0.5 ‰, and the repayment period is 12 months. With the repayment method of interest first and principal later, I only need to repay about 1150 yuan (100000.05%30) every month before1month.
First, the bank loan interest, and then the calculator.
The actual monthly repayment 10000 divided by 12=833.33, plus 75 yuan interest, the monthly repayment is 908.33 yuan. Don't think about what's going on, just open the calculator to verify it: at the annualized interest rate of 9%, the monthly payment is 874.5438+0 yuan, which is different from that of the mortgage institution. Then you raise the interest rate of the loan calculator:
The interest before the principal loan deceives people.
With the help of the above formula, we can substitute the known loan amount, monthly interest rate and repayment period to calculate the total loan interest. Of course, we can also get loan interest through some online equivalent principal and interest calculators. Loan products-the repayment method is interest first, then interest, and interest first and then capital is also a common repayment method, which is common in short-term banks.
8% after interest is equal to the same amount. ...
3. Equal principal repayment is relatively rare in credit. Monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate. _ Use the mortgage calculator. 4. Equal interest, such as 300,000 yuan, three years, with a monthly interest rate of 0.6%. Monthly payment is interest on principal. The principal is 300,000.36 = 8,334 yuan, and the monthly interest is.
Calculation formula of interest before principal repayment
At present, there are four main repayment methods of loans: average principal, equal principal and interest, one-time repayment of principal and interest, and interest before principal. Then let's take a look at the interest of different repayment methods respectively. For example, if someone borrows 6,543,800 yuan, and the loan interest rate is calculated according to the national benchmark interest rate (the interest rate of the loan for one year is 4.35%), then the loan for one year.
Interest online calculator
One-time repayment of principal and interest: loan principal loan interest rate term =100004.35%1= 4350 yuan; 2. Interest before principal: loan principal loan interest rate term =1000004.35%1= 4350 yuan; 3. Equal principal and interest average capital repayment method: the calculation formula is as follows: the total amount corresponding to the equal principal and interest repayment method is calculated by the loan calculator.
Calculator of real interest rate before principal
Assuming that the annual interest rate of the loan is 4.9%, the total interest generated by these methods is (the loan formula is too complicated, so you are advised to use the loan calculator directly): average capital: 49204 1, equal principal and interest: 570665, interest first, capital later: 97999. To sum up, under the same conditions, interest comes first, then capital.
The loan calculator pays interest first, then the cost.
The first part of the preface "Learning to calculate the real interest rate of loans" introduces the basic knowledge of loans and the types of loans. This paper introduces the simple algorithm of the real interest rate of the loan and how to match the loan that suits you best. Second, the simple algorithm of loan interest rate 1, the premise of using the mortgage calculator is to know the nominal interest rate of the loan.
16180,000 equal principal and interest, how much more interest than the average capital?
What is the monthly payment and interest of 160000 18?
The loan is 65,438+060,000 65,438+08. Assuming the repayment method is equal principal and interest, and the annual interest rate of the loan is 4.90%, the monthly repayment is 65,438+0.165,438+06.23 yuan, and the total interest is 865,438+0.
The loan is 654.38+0.6 million 654.38+0.8. If the repayment method is average capital and the annual interest rate of the loan is 4.90%, then the repayment in the first month is 1394.07 yuan, with a monthly decrease of 3.02 yuan, and the total interest is 70,886.67 yuan, and the total repayment amount is 230,886.67 yuan, with interest accounting for 30% of the total repayment amount.
The loan amount is 65,438+060,000 yuan, the term is 65,438+08 years, and the loan interest rate is 4.90%. Using different repayment methods, the calculation results are shown in the following table:
Average capital and interest average capital
Monthly repayment 1, 1 16.23 first month repayment 1, 394.07.
Decrease by 3.02 per month
Total interest is 8 1, 106.40, and total interest is 70,886.67.
Interest accounts for 33.64% and interest accounts for 30.70%.
Under the same conditions, the average capital saves interest 10 and 2 19.74 yuan respectively compared with the equal principal and interest.
If you calculate the monthly loan repayment 160, 18, what is the monthly payment and interest? We also need to know the repayment method (equal principal and interest or equal capital), and the loan interest rate is 4.90% this time.
If your loan interest rate is not 4.90%, you can use our calculator to modify the interest rate and recalculate the detailed results. You can also pay attention to our official WeChat account: Mortgage Wizard, and get more help (online calculator latest information experts answer questions).
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Take the repayment method of 1.6 million yuan, 18 years, loan interest rate of 4.90%, and equal principal and interest as an example to explain the relevant information of repayment in detail. If you want to see the details of the repayment method of equal principal, please use the average capital loan calculator of this website.
The loan term is 1.6 million yuan, 1.8 years, with an annual interest rate of 4.90%, and the repayment method is equal principal and interest, with detailed repayment report every month.
Monthly repayment, interest, principal and remaining principal.
1 1, 1 16.23653.33462.90 159,537. 10
2 1, 1 16.2365 1.44464.79 159,072.3 1
3 1, 1 16.23649.55466.69 158,605.62
4 1, 1 16.23647.64468.59 158, 137.03
5 1, 1 16.23645.73470.5 1 157,666.52
6 1, 1 16.23643.80472.43 157, 194.09
7 1, 1 16.2364 1.88474.36 156,7 19.73
8 1, 1 16.23639.94476.29 156,243.44
9 1, 1 16.23637.99478.24 155,765.20
10 1, 1 16.23636.04480. 19 155,285.0 1
View all detailed reports (reports can be downloaded to Excel)
The loan term is 654.38+0.6 million yuan, 65.438+0.8 years, and the annual interest rate is 4.90%. The repayment method is equal principal and interest, and the monthly repayment is a line chart.
No. 18
Monthly repayment 1, 1 16.23.
Repay the principal 496. 1
Repay interest 620. 13
The loan term is 654.38+0.6 million yuan, and the annual interest rate is 4.90%. The repayment method of principal and interest is equal. The principal and interest account for 33.64%, and the principal is 66.36%.
The characteristics of equal principal and interest repayment method are: the repayment of principal increases month by month, the monthly repayment interest decreases month by month, and the monthly repayment amount (monthly payment) remains unchanged. Recommended: online equal principal and interest loan calculator.
The characteristics of average capital's repayment method are: the monthly principal repayment remains unchanged, the interest decreases month by month, and the monthly repayment amount decreases month by month. Recommended: online average capital loan calculator.
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Please pay attention to the official account of "Bank of China Micro-Banking" WeChat, select the function of "Microfinance-Function Hall-Financial Tools and Information Inquiry-Loan Calculator" in the menu below, and enter the calculation conditions according to the page prompts for inquiry.
The above contents are for your reference. Please refer to the actual business regulations.