In the case of commercial loans, if the repayment method of equal principal and interest is chosen, the monthly mortgage payment of 400,000 yuan for 30 years is 2 122.95438+0 yuan, and the total interest is 364,246.48 yuan. If the repayment method in average capital is chosen, the total interest of the 400,000-year housing loan is 294 16.67 yuan, and the monthly repayment amount decreases month by month, which means that the annual interest rate of the bank loan is 4.9%.

For provident fund loans, if the repayment method of equal principal and interest is chosen, the monthly mortgage payment of 400,000 yuan for 30 years is 1740.83 yuan, and the total interest is 226,698.8 yuan. If the repayment method in average capital is selected, the monthly mortgage payment of 400,000 yuan for 30 years is 2 1 944.44 yuan, and then it will be reduced by 3.065438 yuan +0 yuan every month.

Matching principal and interest repayment method is to repay the loan principal and interest in equal amount every month, in which the monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled every month.

The average capital method means that the amount of principal returned every month is always the same, the interest will decrease with the decrease of the remaining principal, and the amount paid every month will decrease with the passage of time. ?