The calculation formula of monthly repayment amount is as follows: monthly repayment amount = principal * monthly interest rate *( 1+ monthly interest rate) n÷[( 1+ monthly interest rate) n- 1] where: monthly interest rate = annual interest rate ÷ 12, where n.

Note: When calculating (1+ monthly interest rate) n- 1, you must first calculate what is in brackets, and then multiply and subtract 1. Substitute the data into the formula: monthly repayment amount =270000*(4. 158%÷ 12)*( 1+4。 158%÷ 12)^60÷[( 1+4。 158%÷ 12)^60- 1]=499 1。 735539=499 1。 74 yuan. Later, the interest rate was raised, but the mortgage interest rate was only adjusted once a year, and the adjustment time was 65438+ 10. This adjustment is based on the interest rate last adjusted by the central bank last year. So the interest rate is adjusted to 20 1 1 1, and you still enjoy a 30% discount, which is 4%. 48%。