828 yuan per month.
Monthly interest rate = annual interest rate/12, number of repayment periods = loan life 12. Then the monthly interest rate in the title =2.6%/ 12, and the number of repayment periods =5 12=60.
Calculation formula of equal principal and interest: monthly repayment amount = (loan principal × monthly interest rate× (1interest rate) repayment months) /(( 1 interest rate) repayment months-1), then the monthly repayment amount in the title is =
(30× 2.6%/12× (12.6%) 60)/((12.6%) 60-1) ≈ 828 yuan.
For reference only.
How much is the interest on a loan of 300,000 yuan in Bank of Ningbo for five years?
Bank of Ningbo borrows 300,000 yuan and repays it for 5 years, with interest of 17700. Displays information about the query. According to China's relevant regulations, the five-year interest of a loan of 300,000 yuan is 5.9%, and the loan of 300,000 yuan is multiplied by 5.9% to get 1.77 million yuan, of which the interest is 3 1.77 million yuan. The bank loan is 300,000 yuan, and the five-year interest is about 73,500 yuan. At present, the benchmark interest rate of the central bank for commercial loans with a loan term of more than five years is 0.049, and the interest rates in different regions and different banks are different. When making a loan, the bank will give a loan interest rate. Interest = principal × interest rate × term.
How much is a five-year monthly interest of 2.9 for a loan of 300,000 yuan?
300,000 yuan, with interest of 2.9% after 5 years, and total interest = 300,000× 2.9 %×12× 5 = 522,000 yuan.
522000/12/3 =14500 (yuan)
Monthly repayment amount 14500 yuan.
How much is Changsha Bank's mortgage loan of 300,000 yuan per month in May?
5652.07 yuan. According to the loan information, the monthly mortgage loan of 300,000 yuan of Changsha Bank is 5,652.07 yuan. Matching principal and interest repayment method: 300,000 yuan loan, 5,627.07 yuan in 5 months. Average repayment method: the repayment of the loan of 300,000 yuan is 6 187.5 yuan in the first month of five years, and it will decrease every month thereafter.
How much does it cost to buy a car in May for 300,000 months?
1.55 million years. If it is a commercial loan, the annual interest rate of medium-and long-term RMB loans of China Bank for more than five years is 4.9%. If the principal and interest are equal, the monthly payment is 2824 yuan; If the average capital is adopted, the monthly contribution will be about 365,438+065,438+03 to 2,565,438+00 yuan, which will decrease month by month.
Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers.
The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.
Automobile loan channel
1. auto financing company: the biggest advantage lies in convenience and low threshold. Companies are generally founded by car companies. Its "convenience" is not only reflected in the direct application through 4S stores, but also in the fact that there are no requirements for hard conditions such as hukou and real estate.
2. Buying a car with a credit card: The most obvious advantage lies in the loan interest rate, which is half lower than the traditional bank car loan interest rate. Ordinary credit cards can be applied, and the models are also cross-brand, with a wide range of choices. The premise is that you need a higher credit line to enjoy it.
3. Bank car loans, banks are facing the pressure of tightening credit scale, consumer loans such as car loans have shrunk sharply, and the loan doors of some middle and low-end cars have been temporarily closed. The biggest advantage is a wide range of choices. Car buyers can go directly to the bank to apply for personal car consumption loans after they take a fancy to the models.
However, the procedure of lender qualification examination is very complicated. It is generally necessary to provide real estate (such as real estate) as collateral. Some banks are open to high-end customers or high-end models, and the car itself can be used as a mortgage. However, compared with other car loan methods, the time period for approval is very long.
In terms of loan interest rate, the auto mortgage interest rate generally rises by about 10% on the basis of the benchmark bank loan interest rate in the same period. Most car loan businesses need guarantee companies to guarantee or buy car guarantee insurance, and car buyers also need to bear 2.5% to 3% guarantee fees. When all procedures are added up, the comprehensive cost of bank car loan is the highest among the three ways.
What is the monthly payment of 300,000 yuan in May?
The monthly payment of 300,000 yuan is 5926.2 yuan. 10 monthly payment of 349 1. 1 yuan.
The way to repay the principal and interest of the loan shall be agreed by the borrower and the borrower, and shall be specified in the loan contract. If the loan term is within 65,438+0 years (including 65,438+0 years), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid with the principal. If the loan term exceeds 1 year, the principal and interest of the loan shall be repaid monthly in the form of equal principal repayment and equal principal and interest repayment.
Classification of monthly payment:
The repayment methods of mortgage loans in China are: one-time repayment with a loan term of 1 year, and equal principal and interest repayment with a loan term exceeding 1 year.
Matching principal and interest repayment: the monthly repayment amount is the same, but the principal part increases month by month and the interest part decreases month by month. During the repayment period, the total interest expense paid is higher than the repayment method in average capital.
Average capital: the monthly repayment amount decreases month by month, in which the principal part remains unchanged and the interest decreases month by month. The total amount of interest paid during the repayment period is lower than that of the matching principal and interest method, but the amount of repayment in the early stage (including principal and interest) is higher than that of the matching principal and interest repayment method.
Refer to the above content: Baidu Encyclopedia-Monthly Supply
So much for the introduction of a five-year loan of 300,000 yuan.