Monthly payment 24 17.5 yuan. The monthly payment is directly related to the repayment method. For example, the principal and interest are equal, the loan interest rate is 5.55%, and the monthly payment is 24 17.5 yuan. If the average capital is selected, the first monthly payment is 3077.08 yuan. Comparing these two ways, the average capital has more monthly payments.

How much is a monthly loan of 23,500 yuan for 20 years?

If the current benchmark interest rate of commercial loans is 4.9%, the monthly loan principal and interest payment for 20 years is 2290.55 yuan, and if it is a principal loan, the monthly loan payment for the first phase of 20 years is 2887.5 yuan, and the repayment amount will decrease month by month thereafter. If it is a provident fund loan, the equal monthly principal and interest for 20 years 1985. 19 yuan; The average capital is 20 years, and the down payment is 2406.25 yuan.

Most people's first home interest rate will rise by 10%, or 5.39%. 20 19 July, the national average interest rate of the first suite reached 700,000 5.4- industry loans.

If it is paid off in 20 years, the principal and interest will be 449,900 yuan, and it will be 479 1 yuan per month; If the principal is repaid in equal amount, the total interest for 20 years is 344,400 yuan, and the monthly interest is 5,775 yuan.

The provident fund loan is 700,000 yuan, which will be paid off in 20 years with interest of 252,800 yuan. If the principal is repaid every month, the total interest for 20 years will be 228,400 yuan, and 8 yuan will be repaid for at least 4 months every month.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.

The general name of loan funds in a broad sense. By means of loans, banks concentrate supplementary funds on the needs of monetary and monetary capital production, and promote

At the same time, banks can also obtain loan interest income and increase their own accumulation.

Principle:

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation.

Article 4 stipulates: "Commercial banks should operate independently and at their own risk based on the principles of safety, liquidity and efficiency."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the need to be able to recover loans within a predetermined time, or to withdraw deposits quickly and without loss at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.

Repayment method:

(1) Equal principal and interest repayment method: that is, the sum of loan principal and interest is equal. Most banks use this method for monthly provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

(2) average capital repayment method: that is, the borrower repays each (monthly) loan, and at the same time pays off the loan interest from the previous trading day to the repayment date, with the monthly repayment amount decreasing;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repaying part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+00,000 or 65,438+00,000.

After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.

What is the monthly payment of 350,000 yuan in March 20?

If you borrow from China Merchants Bank, the specific monthly payment depends on your loan execution interest rate and repayment method. You can borrow money from China Merchants Bank official website or Mobile Banking for trial calculation, and the trial results are for reference only.

Mobile banking: log in to mobile banking and click My-All-Assistant-Financial Calculator-Loan Calculator;

China Merchants Bank Home Page: Central Financial Instrument-Personal Loan Calculator.

Enter the loan amount, annual interest rate, loan term, repayment method and other information, and try to calculate the monthly loan amount and interest.