Borrowed 0.2 million/200 thousand, also for five years, and paid 4009 every month.
2. Ping An Bank paid off the loan150,000. How much principal and interest should it pay back every month?
150,000 five-year period, ***60 periods in total, with a principal of 2,500 yuan. If the interest is 0.85, the monthly interest is 1275.
The principal plus interest is 3775.
What is the monthly payment of 3.65438+0.5 million in August?
Monthly payment 1776.52 yuan. The monthly payment is not only related to the loan amount, loan interest rate and loan term, but also closely related to the repayment method. The interest rate of provident fund loan is 3.25%, and the loan10.5 million years. When the repayment method of equal principal and interest is selected, the monthly payment is 1776.52 yuan; If the average capital mode is selected, the first monthly payment is 1, 968.75 yuan, and the next month is 1, 964.52 yuan (decreasing by 4.23 yuan per month).
4. Borrow RMB 6,543,800+0.5 million from the bank and pay it off in five years. What is the approximate monthly principal and interest?
The monthly repayment is 2695.30 yuan, and the total interest paid is 1 17 18.22 yuan, and the total principal and interest is 16 17 18.22 yuan. 1. The bank mortgage loan principal is RMB 6,543,800+0.5 million, calculated according to the current central bank interest rate (5-year commercial loan interest rate is 5.25%, provident fund loan interest rate is 3.0%), the loan term is 5 years, 654.38+0, and the loan method is commercial loan: 1. The average capital repayment amount in the first month is 365.438+0.25 yuan, and the monthly repayment rate is 654.38+. ② Repay 2847.90 yuan with equal principal and interest every month, with a total interest of 20873.85 yuan, and the total principal and interest is 170873.85 yuan. 2. The loan method is provident fund loan: ① The average principal is repaid in the first installment of 2875.0 yuan, with a monthly decrease of 6.25 yuan, the total interest paid is 1 1437.50 yuan, and the total principal and interest is 16 1437.50 yuan. (2) Repayment of equal principal and interest is 2695.30 yuan per month, with total interest of 1 17 18.22 yuan and total principal and interest of 16 17 18.22 yuan. 2. Remarks: 1, there are many types of bank loans, and the loan interest rates stipulated by various loans are also different, such as mortgage, credit and mortgage loan. (Here I will mainly explain it to you according to the mortgage). 2. The major banks will float the interest rate on the basis of the benchmark interest rate given by the People's Bank of China. In principle, the floating standard is between 1. 1~ 1.5 times of the benchmark interest rate. 3. Calculation formula of interest: The interest rate of savings deposits 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 on 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. For example, the annual interest rate of 9% is written as 0.9%, that is, every 100 yuan deposit has a regular annual interest rate in 9 yuan, and the monthly interest rate of 6% is written as 6‰, that is, the monthly interest rate of every 1000 yuan deposit is written as 6 yuan, and the daily interest rate of 1.5% is written as 1.5 _. Monthly interest rate ÷30= daily interest rate; Annual interest rate ÷360= daily interest rate. Formula interest: interest (year) = principal× annual interest rate (percentage )× deposit interest = principal× interest rate× deposit period.