(1) If the mortgage interest rate is 4.9% of the benchmark interest rate,
Bank loan 1 10,000 yuan, 20-year interest of 570,665.72 yuan, monthly repayment of 6,544.44 yuan.
(2) If the mortgage interest rate is 4.9% of the benchmark interest rate, it will rise by 10%.
The bank loan is 6,543,800 yuan, and the 20-year interest is 636,054.49 yuan; The monthly repayment is 68 16.89 yuan. ?
(3) If the mortgage interest rate is 4.9% of the benchmark interest rate, it will rise by 20%.
The bank loan is RMB 6,543,800,000, and the interest for 20 years is RMB 70,2861.09; The monthly repayment is 7095.25 yuan. ?
(4) If the mortgage interest rate is 4.9% of the benchmark interest rate, it will rise by 30%.
Bank loan 1 10,000 yuan, 20-year interest of 77 1 0,054.65 yuan; The monthly repayment is 7379.39 yuan.
Based on the above calculations, it can be concluded that if the bank loan is 6,543,800 yuan, and the loan interest rate rises between 0 and 30%, the loan interest rates are 4.9%, 5.38%, 5.88% and 6.37% in turn; After 20 years, the corresponding interest payments are 570,665.72 yuan, 636,054.49 yuan, 70,2861.09 yuan and 77 1054.65 yuan respectively.
RMB 654,380,000.00 Yuan was deposited in the bank. How much is the interest for 20 years? 1100,000 yuan is deposited in the bank, with a term of 5 years, and 20 years is exactly four 5-year cycles; However, the interest rate of five-year fixed deposits in each bank is different, which directly leads to the deposit interest rate of different banks being 654.38+0 million yuan. After 20 years, the interest rate will naturally be different.
Similarly, I calculate the deposit interest rates of different banks. How much interest will a deposit of 654.38+0 million have after five years and 20 years?
(1) According to the five-year benchmark interest rate of the central bank, 2.75%.
If the benchmark interest rate of 1 10,000 yuan deposited in the central bank for five years is 2.75%, the interest after 20 years is: 1 10,000 *2.75%*20 years = 550,000 yuan.
(2) According to 2065438+2009, the five-year benchmark interest rate of the five major state-owned banks is at most 3.85%.
If the five-year fixed deposit interest rate of China Construction Bank with a deposit of 6,543.8+0 million yuan is 3.85%, the calculated interest after 20 years is: 6,543.8+0 million yuan *3.85%*20 years = 770,000 yuan.
(3) According to the benchmark interest rate of a joint-stock commercial bank for 20 19 years, the maximum interest rate is 4.75%.
If the five-year fixed interest rate of China Construction Bank with a deposit of 6.5438+0 million yuan is 4.75%, after 20 years, the calculated interest is: 6.5438+0 million yuan *4.75%*20 years = 950,000 yuan.
(4) According to 20 19, the maximum five-year benchmark interest rate of rural commercial banks or credit cooperatives in small banks is 5.225%.
If the five-year fixed interest rate of China Construction Bank is 5.225% with 6,543.8+0,000 yuan, the * * interest after 20 years is: 6,543.8+0,000 *5.225%*20 years = 6,543.8+0,450 yuan.
Through the calculation of the five-year time deposit interest rates of the above major banks, it is concluded that the five-year time deposit interest rates of the major banks are between 2.75% and 5.225%; That is, 6,543,800 yuan is deposited in these banks, and the interest after 20 years is between 550,000 yuan and 6,543,800 yuan.
Bank loan 1 wanhe deposit bank 1 million, which interest will be higher after 20 years? Calculated, the loan from the bank is 6,543,800+0,000, and the deposit from the bank is 6,543,800+0,000, and the interest after 20 years is calculated; If the bank mortgage is 6,543,800 yuan, the 20-year interest will be between 570,000 yuan and 770,000 yuan; And deposit in the bank 1 ten thousand yuan. Twenty years later, according to the current rate of 20 19, the deposit interest rate of major banks is between 550,000-10.045 million yuan!
It can be clearly seen from these data that the benchmark interest rate of bank loans is 4.9%, which is definitely higher than the 5-year benchmark annual interest rate of the central bank by 2.75%, and the interest is 20,000 yuan higher.
However, compared with the current high interest rate of 20 19 deposits and loans, the loan interest rate can only go up by 30% at most, the interest rate is 6.37%, and the 20-year loan interest is about 770,000 yuan. The bank's five-year deposit interest rate can rise indefinitely. According to some small banks, it can go up 100% and the interest rate can reach 5.5%. The 20-year interest rate can be as high as11million yuan. Obviously, the interest rate at the deposit bank is very high.
In a word, whether the bank loan is 654.38+0 million or the deposit bank loan is 654.38+0 million is not absolute. Which interest rate is higher after 20 years, the final interest rate is different according to the different deposit and loan interest rates.