Matching principal and interest: the total monthly repayment amount is fixed, in which the principal part increases month by month and the interest part decreases month by month.

Calculation formula of equal principal and interest: monthly repayment amount = principal * monthly interest rate *( 1+ monthly interest rate) * loan months /( 1+ monthly interest rate) * repayment months-1.

Monthly interest rate = annualized interest rate/12

65,438+0 and 65,438+0.5 million yuan are divided into 36 installments. If the annual loan interest rate is 4.65%, the total interest is * *10995.64 yuan, the total repayment is 160995.64 yuan, and the monthly payment is 4472.65438+.

2.654.38+0.5 million yuan is divided into 36 installments. If the annual interest rate of the loan is 4.9%, the total interest is * * * 1 600.5 1 yuan, and the total repayment is 1 665,438+0,600.51yuan.

Average capital and interest average capital

Second, the average capital

Average capital: the total monthly repayment decreases, in which the principal part is fixed and the interest part decreases month by month.

Average fund calculation formula: monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.

Monthly interest rate = annualized interest rate/12

65,438+0 and 65,438+0.5 million yuan are divided into 36 installments. If calculated according to the annual loan interest rate of LPR4.65%, the total interest is * *10753.13 yuan, and the total repayment is 160753. 13 yuan. The monthly payment is as follows.

No.65438 +0:4747.92 Yuan, No.2: 473 1.77 yuan, No.3: 47 15.63 Yuan, No.4: 4699.48 Yuan and No.5: 4683.33 Yuan.

........

No.365438 +0:4263.54 Yuan, No.32: 4247.40 Yuan, No.33: 423 1.25 yuan, No.34: 42 15. 10 yuan, No.35: 4000 Yuan.

2.65,438+0.5 million yuan is divided into 36 installments. If the annual interest rate of the loan is 4.9%, the total interest will be * *1.25 yuan, and the total repayment will be 1.6 1.25 yuan.

1:4779. 17 yuan 2:4762. 15 yuan 3:4745. 14 yuan 4:4728. 13 yuan 5:

........

No.365438 +0:4268.75 yuan, No.32: 425 1.74 yuan, No.33: 4234.72 yuan, No.34: 42 17.75438+0 yuan, No.35: 4.

Second, provident fund loans.

The calculation of provident fund loans is the same as that of commercial loans, but the loan interest rate is different. The interest rate of provident fund loans is 3.25%, which is an annualized interest rate, far lower than that of commercial loans.

1. Equal principal and interest

150,000 yuan in 36 installments. If the annual interest rate of the loan is 3.25%, the total interest is 7634. 18 yuan, the total repayment is 157634.438+08 yuan, and the monthly payment is 4378.73 yuan.

Second, the average capital

150,000 yuan in 36 installments. If the annual interest rate of the loan is 3.25%, the total interest is 75 15.63 yuan, and the total repayment is 654385 15.63 yuan. Monthly payments are as follows:

No.65438 +0:4572.92 Yuan, No.2: 456 1.63 yuan, No.3: 4550.35 Yuan, No.4: 4539.06 Yuan and No.5: 4527.78 Yuan.

........

No.365438 +0:4234.38 yuan, No.32: 4223.09 yuan, No.33: 42 1 1.8 1 yuan, No.34: 4200.52 yuan, No.35: 4000 yuan.

Third. Credit card installment payment

The credit card installment rate for large consumption depends on the number of installments. The shorter the number of installments, the lower the interest rate. Conversely, the longer the number of installments, the higher the interest rate. The common periods are 3, 6, 9, 12, 18, 24 and 36, that is, the shortest period is 3 and the longest period is 36.

654.38+050,000 yuan is divided into 36 installments, and the handling fee is calculated at one time. The interest rate is 22.32%, the total interest is 33,480.00 yuan, the total repayment is 654.38+083,480.00 yuan, and the monthly payment is 465,438+066.67 yuan.

The above is the introduction of10.5 million yuan loan for 36 installments, how much interest, how much money to pay back every month, and equal principal and interest repayment. I hope it helps you!