Loan principal: 65,438+000,000 yuan, loan term: 65,438+00 years (65,438+020 months), four situations in which the interest rate remains unchanged and the loan is fully paid off: ☆ According to the commercial loan, the annual interest rate of the matching principal and interest is 6.55% (the monthly interest rate is 5.45833333333 ‰). The total interest is 33,022.92 yuan. The annual interest rate calculated by matching the principal and interest is 4.5% (the monthly interest rate is 3.75‰). Monthly payment: 1036.38 yuan. Total interest: 24,366.09 yuan ☆ According to the provident fund loan, the annual interest rate calculated by average capital is 4.5% (the monthly interest rate is 3.75‰). The monthly payment in the first month is 1208.33 yuan, which decreases month by month: 3.63 yuan.
The loan is 6,543,800 yuan+0.8 million yuan. How much is the principal plus interest for a ten-year loan? How should I calculate it? Thank you for your trouble.
The loan is 6,543,800 yuan+0.8 million yuan. The loan is ten years, and the principal plus interest is 259,279.2.
Monthly repayment amount180,000 10 (120 months):
1800007.05% 1. 1/ 12 ( 17.05% 1. 1/ 12) 120/[
Total repayment: 2160.120 = 259,279.2.
Supplementary information:
Calculation method of bank interest:
The deposit and loan interest rates shall be uniformly stipulated by the state and promulgated by the People's Bank of China. Interest rate, also known as interest rate, is the ratio of interest to principal in a certain date, which is generally divided into annual interest rate, monthly interest rate and daily interest rate. The annual interest rate is expressed as a percentage, the monthly interest rate is expressed as one thousandth and the daily interest rate is expressed as one thousandth.
Three interest rates can be converted, and the conversion formula is: annual interest rate ÷ 12= monthly interest rate; Monthly interest rate ÷30= daily interest rate; Annual interest rate ÷360= daily interest rate.
The basic formula for calculating interest is: interest = principal × deposit term × interest rate;
4. Interest rate conversion, in which the conversion relationship among annual interest rate, monthly interest rate and daily interest rate is: annual interest rate = monthly interest rate × 12 (month) = daily interest rate ×360 (day); Monthly interest rate = annual interest rate ÷ 12 (month) = daily interest rate ×30 (days); Daily interest rate = annual interest rate ÷360 (days) = monthly interest rate ÷30 (days)
Extended data:
1. What are the requirements for bank loans?
1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;
2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;
3. Have a good credit record and willingness to repay, and no bad credit record;
4. Being able to provide legal, effective and reliable guarantee recognized by the bank;
5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;
6. Other conditions stipulated by the bank.
Second, the significance
Banks put concentrated money and monetary funds out through loans to meet the needs of social expansion and reproduction for supplementary funds and promote economic development; At the same time, it can also obtain loan interest income and increase the bank's own accumulation.
In China, the principle of paid use of loans is also used to promote enterprises to improve their management; Take bank credit as an important way to allocate funds and an important economic lever to regulate the economy.
Supplementary information:
Loans must meet the conditions before they can be issued.
Loan application conditions:
1, if you want to have a fixed income, it depends on the salary details;
2. At least 18-65 years old;
3 loans for business or car purchase, there must be a guarantor and mortgage;
4. Good credit information.
Loan application materials:
1. Lender ID card;
2. The credit information of the lender in the past six months, and the credit information is good;
3. The bank card under the lender's name has been flowing for nearly half a year without interruption;
4. The lender's residence certificate (rental contract, real estate license, water and electricity invoices for the last three months);
5. Income certificate issued by the lender's work unit;
6. Social security, insurance policies and provident fund can also be loaned on a monthly basis.
If you want to borrow a higher amount, you can do mortgage loans, such as houses and cars.
Mortgage bank loan of 300,000 yuan. What are interest rates and interest rates? It is 10 year. How to calculate? Thank you!
Hello;
/kloc-The interest rate (new interest rate) for loans of 0/year and above is 4.9% (annual interest rate).
The loan interest of 23,000 yuan 10 year is 124740.
300,000 x 4.9% x10 =147,000 yuan.
Interest rates are floated by commercial banks according to the benchmark interest rate of central bank loans. Generally, the one-year interest rate is 4.35%, the one-to-five-year interest rate is 4.75%, and the five-year interest rate is 4.90%.
Extended data
202/kloc-the latest bank interest rate and the latest bank deposit and loan interest rate adjustment in October/August.
20021:latest bank interest rate and latest bank deposit and loan interest rate adjustment list in August, 20021Bank Information Port learned that the People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from August 24th, 20 15 to further reduce the financing costs of enterprises.
Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 1.5%.
The People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from August 24th, 20 15 to further reduce the social financing cost. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to1.5%; The benchmark interest rates of other loans and deposits and the lending rates of the People's Bank of China to financial institutions are adjusted accordingly; The interest rate of individual housing provident fund loans remains unchanged. At the same time, commercial banks and rural cooperative financial institutions are no longer allowed to set a floating ceiling on deposit interest rates, improve the formation and regulation mechanism of interest rate marketization, strengthen the regulation and supervision of the interest rate system by the central bank, and improve the transmission efficiency of monetary policy.
Starting from that day, the RMB deposit reserve ratio of financial institutions will be lowered by 0.5 percentage point, so as to keep liquidity in the banking system reasonably abundant and guide the steady and moderate growth of money and credit. At the same time, in order to increase the positive incentives for financial support for "agriculture, rural areas and farmers" and small and micro enterprises, the deposit reserve ratio will be reduced by 0.5 percentage points for eligible financial institutions.
The benchmark interest rates for other grades of loans and deposits will be adjusted accordingly. (This interest rate is 202 1 the latest bank interest rate in August, the new benchmark interest rate for bank deposits and loans)
The bank information port specially reminds that the deposit and loan interest rate of individual housing provident fund has not decreased.
The latest benchmark interest rate table for bank deposits and loans (updated on August 24th, 20021,654 38+0) compiled by the following bank information port:
202/kloc-latest benchmark interest rate table for bank deposits and loans in October/August.
Various deposit interest rates (provided by bank information port)
interest rate
Demand deposit 0.35
Fixed deposit interest rate in lump sum.
Three months 1. 10
Half a year 1.30
One year 1.50
Two years 2. 10
2.75 pounds for three years
Interest rates of various loans
Within one year (including one year) 4.35
One to five years (including five years) 4.75
More than five years 4.90
Provident fund loan interest rate
Less than five years (including five years) 2.75
More than five years 3.25
The above is the latest benchmark interest rates for deposits, loans and provident funds of 202 1 after the interest rate cut on August 24th, 20 15!
Friendly reminder of bank information port:
Banks have the right to float on the basis of the benchmark interest rate. The specific domestic bank deposit interest rate, loan interest rate and provident fund loan interest rate shall be subject to the actual announcement of the bank. At present, as joint-stock banks have raised the interest rate of fixed deposits, interest rate marketization shows signs of starting, and all banks have different degrees of deposit interest rate concessions. Please consult your local bank for details.
How to calculate the interest paid off in a bank loan of 65438+10000010 year?
The bank loan of RMB 654.38+10,000 will be paid off in 654.38+00 years, and the interest will be determined according to the interest rate and repayment method.
There are two ways to repay loans: average capital and equal principal and interest. Under the condition of the same loan time, the interest paid by the equal principal and interest repayment method is higher than that by the average capital repayment method. Therefore, if you plan to repay in advance, you'd better choose the average capital repayment method. If it is partial prepayment, it is more cost-effective to prepay with equal principal and interest, and it is the most cost-effective way to shorten the service life with equal principal and interest.
Extended data
Matching principal and interest repayment method is to add up the total principal and interest of mortgage loans and then distribute them evenly to each month of repayment period. The monthly repayment amount is fixed, but the proportion of principal in the monthly repayment amount increases month by month, and the proportion of interest decreases month by month.
Calculation formula of monthly repayment amount of equal principal and interest:
[loan principal × monthly interest rate ×( 1 monthly interest rate) repayment months ]=[( 1 monthly interest rate) repayment months]