20 15 loan of 450,000 yuan, how much is it to be repaid every month for 20 years?

1.20 15 has a loan of 450,000 yuan. What is the monthly repayment for 20 years?

Loan principal: 450,000 yuan

Loan term: 15 years (180 months)

Several situations in which the interest rate remains unchanged and the loan is fully paid off:

☆ Calculated by commercial loans with equal principal and interest.

Annual interest rate: 6.8% (monthly interest rate 5.6666667 ‰)

Monthly payment: 3994.58 yuan.

Total interest: 269,023.97 yuan.

☆ Calculated by commercial loans and average capital.

Annual interest rate: 6.8% (monthly interest rate 5.6666667 ‰)

Monthly payment for the first month: 5050 yuan

Decreasing month by month: 14. 17 yuan.

Monthly payment at the end of the month: 25 14. 17 yuan.

Total interest: 230,775 yuan

What is the monthly contribution of 450,000 yuan in 2.20 years?

The loan amount is 450,000 yuan and the loan period is 20 years. Based on the benchmark interest rate of China Central Bank of China of 4.90%, the monthly payment of equal principal and interest is 2945 yuan, and the average monthly payment of principal in the first month is 37 12.50 yuan, with a decrease of 7.66 yuan. There are two general repayment methods: equal principal and interest and average capital. The calculation formula of monthly payment is: 1, with equal principal and interest: monthly repayment amount = monthly interest rate of principal [( 1 interest rate) n/[( 1 interest rate) n-1]; 2. Average capital: monthly repayment amount = principal /n monthly interest rate of remaining principal. Extended data:

Conditions for applying for a mortgage: buying a house is a large consumption, so many people will choose to apply for a mortgage when buying a house. I. Conditions for housing loan application 1. Applicants need to have legal residence status and permanent residence or proof of residence status of urban residents, so it is best to buy a house in the place where your household registration is located or the city where you live now. 2. The age must be 18 years old. 3. The applicant must have a compliant job and a stable source of income, and the lender can guarantee that you have the ability to repay the loan principal and interest on time. 4. Need to sign a house sales contract and have paid the down payment ratio stipulated by the bank. The applicant's credit should be good. Second, the housing loan application materials 1. Applicants should prepare their own identity documents, that is, valid identity documents; 2. Prepare your own residence certificate, such as household registration book or valid residence certificate; 3. Prepare your work certificate and income certificate; 4. Prepare your own House Sales Contract and related documents; 5. Prepare your own proof of marital status. If you are married, you need to bring a marriage certificate. If you are unmarried or divorced, you need to bring a single certificate. Benchmark interest rate of mortgage: the annual interest rate of mortgage within one year (including one year) is 4.35%. 2. The annual mortgage interest rate for one year to five years (including five years) is 4.75%. The annual interest rate of mortgage for three years, five years to thirty years (including thirty years) is 4.90%. Although the People's Bank of China has stipulated the benchmark interest rate of mortgage, it is not a rigid standard, that is to say, when determining the mortgage interest rate, banks can fluctuate within a certain range according to the benchmark interest rate of mortgage stipulated by the central bank. At present, the mortgage interest rates of most banks are higher than the benchmark mortgage interest rate, and some even rise by about 30%. It can be said that China's mortgage interest rate will not only change frequently, but also appear in the form of rising interest rates. Domestic first home loan interest rates generally rose by 5% to 20%. The interest rate of second-home loans also generally rose 10% to 30%.

Three. 20 15 loan of 450,000 yuan, how much will it be repaid every month for 20 years?

Hello, if calculated at the rate of 5.90%:

1. Equal repayment of principal and interest:

The total loan amount is 450,000.00 yuan.

Number of repayment months: 240 months

Monthly repayment 3

The total interest paid is 365,438+07,527.9.

Total principal and interest is 767,527,438+0 yuan.

2. Equal principal repayment:

loan

Number of repayment months: 240 months

First month repayment