Couples buy a house ***88W down payment of 30% is almost more than 260,000! Borrowed 620 thousand from the bank. The interest rate of 5.875 is not discounted. What kind of repayment method is good? How much is the monthly payment? 20-year average capital

Monthly repayment amount

1 month 56 18.75, February 5606. 10, March 5593.45, April 5880+0, May 5568. 16, June 5606+0, July 5606.50005050506

August 5530.22 September 5517.57 65438+1October 5504.92 65438+1October 5492.27 5438+February 5479.63.

Equal principal and interest for 20 years, with a monthly payment of 4,397.28 yuan.

Number of years, periods, interest rate, monthly interest rate, loan amount, monthly payment.

20 years, 240 periods, 5.875%, 4.833333 ‰, 620,000 yuan, 4,397.28 yuan.

15 equal principal and interest, with a monthly payment of 5 190. 13 yuan.

Number of years, periods, interest rate, monthly interest rate, loan amount, monthly payment.

15, 180, 5.875%, 4.3333333 ‰, 620000 yuan, 5 190.4438+03 yuan.

Average capital in 15

Monthly repayment amount

65438+ 10 June 6479.86 February 6463.00 March 6446.13 April 6429.27 May 6412.45438+0 June 6395.54 July 6378.68

August 6361.82 September 6344.9510/October 6328.09111.2312.

Generally speaking, the average capital is the best choice, and the repayment method of diminishing returns is better, but the financial pressure is great at first, and then it gradually decreases.