If the bank fails to pay the interest in full in the first installment, the monthly payment is:180000x1.12/36 = 5600 yuan;

If the bank requires a down payment for the hologram, then,

The interest for three years is:180000x0.12 = 21600 yuan;

The monthly fixed repayment is: 180000/36=5000 yuan;

The first installment: 2 1600+5000=26600 yuan, and the next 35 installments: 5000 yuan each.

How is the bank loan interest rate calculated?

1. What's the loan interest rate?

The loan interest rate in China is managed by the People's Bank of China, and the interest rate determined by the People's Bank of China is implemented after being approved by the State Council.

The loan interest rate directly determines the profit distribution ratio between the borrowing enterprise and the bank, thus affecting the economic interests of both borrowers and lenders. The loan interest rate varies with the types and duration of loans, and it is also related to the scarcity of borrowing funds.

(1) legal interest rate:

The interest rate set by the People's Bank of China approved by the State Council and authorized by the State Council is the legal interest rate. The announcement and implementation of the statutory interest rate shall be the responsibility of the head office of the People's Bank of China.

(2) Benchmark interest rate:

The deposit and loan interest rates of the People's Bank of China to commercial banks and other financial institutions are the benchmark interest rates. The benchmark interest rate is determined by the head office of the People's Bank of China.

(3) Contract interest rate:

The lender shall make an agreement with the borrower according to the statutory loan interest rate and the floating collusion range stipulated by the People's Bank of China, and specify the interest rate of the specific loan in the loan contract.

Second, how to calculate the loan interest rate?

The loan interest rate is a kind of bank interest rate, which is generally higher than the deposit interest rate, and the difference between them is the main source of bank profits.

3. How to calculate the monthly interest rate of bank loans? How to calculate the monthly interest?

According to Bian Xiao, the monthly interest rate of bank loans is the annual interest rate divided by 12. For example, the current benchmark interest rate for loans over five years is 4.90%, divided by 12 months, and the monthly interest rate is about 0.4 1%.

Take the loan interest rate of ICBC as an example. Suppose Mr. Sun borrows RMB 654.38+million with a term of 6 months. The repayment method is to pay interest on a monthly basis and repay the principal at maturity, with an annual interest rate of 9.00%. Then:

Monthly interest rate: 9.00%12 = 0.75%

Monthly interest: 100000× 0.75% = 750 yuan.

The monthly interest on 750 yuan is 4,500 yuan in six months. That is to say, Mr. Sun needs to pay the interest of 750 yuan every month, one * * * is 4,500 yuan, and the principal and interest * * * is104,500 yuan. It should be understood that the repayment method has a direct impact on the monthly interest. Different repayment methods require different monthly interest.

Third, the calculation method of mortgage interest rate

Mortgage interest is a kind of principal interest that buyers borrow from banks and pay at the interest rate stipulated by banks.

Calculation formula of interest: interest = principal × interest rate × deposit period (time).

The calculation of mortgage interest will be different because of the different loan methods and mortgage repayment methods. According to the different repayment methods of mortgage, the calculation of mortgage interest can be divided into two calculation methods: equal principal and interest and average principal.

1, equal principal and interest calculation formula

Calculation principle: from the beginning of monthly contribution, the bank collects the interest of the remaining principal first, and then the principal; The proportion of interest in monthly payment decreases with the decrease of residual principal, and the proportion of principal in monthly payment increases with the increase, but the total monthly payment remains unchanged.

It should be noted that the maximum amount of provident fund loans in various cities should be combined with local conditions. For residents who have borrowed money to buy a set of housing but whose per capita area is lower than the local average, and then apply for buying a second set of ordinary self-occupied housing, the preferential policy of purchasing ordinary self-occupied housing with the first loan shall be implemented mutatis mutandis.

2. Calculation formula of average capital

Monthly repayment amount = monthly principal+monthly principal and interest; Monthly principal = principal/repayment month;

Monthly principal and interest = (principal-total accumulated repayment) x monthly interest rate.

Calculation principle: the amount of principal returned every month is always the same, and the interest will decrease with the decrease of the remaining principal.