What is the ten-year interest rate of personal mortgage of Guanyun Industrial and Commercial Bank of China? Bought 338,000 yuan, paid off the mortgage150,000 yuan, and paid off the mortgage188,000 yuan. 1. Commercial loan is paid off in 65,438+088,000 65,438+00 years. According to the current benchmark interest rate of 4.9, the repayment principal and interest are equal, with monthly repayment of 1984.86 yuan, total interest of 50 182.6 yuan and total repayment of 238 182.6 yuan.

2. Matching principal and interest refers to a repayment method of a loan, that is, the same amount of loan (including principal and interest) is repaid every month during the repayment period.

3. The formula for calculating the monthly repayment amount of equal principal and interest is as follows:

[loan principal × monthly interest rate ×( 1+ monthly interest rate) repayment months ]=[( 1+ monthly interest rate) repayment months-1].