According to the latest interest rate of 6. 15%, the calculation is as follows:
Equal monthly repayment
Equal monthly repayment method is equal principal and interest repayment method, that is, the borrower repays the loan principal and interest with the same amount every month, and the monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled every month.
The total loan is 500,000 yuan.
Number of repayment months:1August
Monthly repayment of 4,
A total of 266,783.97 yuan of interest was paid.
Run for 97 yuan.
Monthly delivery
The average capital repayment method means that the principal remains unchanged, the interest decreases month by month, and the number of monthly repayments decreases; Due to the monthly repayment, the lender is under great pressure to repay at first, but as time goes by, the monthly repayment amount becomes less and less.
The total loan is 500,000 yuan.
Number of repayment months:1August
The repayment in the first month is 5340.28 yuan.
Decreasing monthly: 14.24 yuan.
Total interest paid is 23 1, 906.25 yuan.
The total principal and interest is 7,365,438+0,906.25 yuan.
Second, the first home loan is 500,000 yuan, 15 years, how much is it per month?
But now the bank has adjusted the loan term to a maximum of 25 years, with a monthly repayment of 3203438+09. There may be something wrong upstairs, the first interest rate.
3. The loan is 500,000 yuan, 15 years, and the interest is 3.25. How much is the monthly repayment of equal principal and interest?
Monthly payment: 35 13.34, with an annual interest rate of 3.25% and a monthly interest rate of 3.25%/ 12500000. 15 years (180 months): monthly repayment = 5000003.25%/12 (13.25%/12)180/((. The disadvantage is that you need to pay more interest. However, most of the advance payment is interest, and the proportion of principal will increase after half of the repayment period, which is not suitable for early repayment. Average capital: equal monthly repayment of principal and interest: equal monthly repayment of average capital: that is, the principal of monthly repayment is the same, that is, the borrower repays the loan principal with the same amount (loan amount/loan months) every month, and the monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled every month. The sum of the two is the monthly repayment amount. Matching principal and interest: the monthly repayment amount is unchanged, that is, the sum of monthly principal and interest is unchanged, but the ratio of principal and interest is changing. Generally speaking, the monthly repayment of the principal in the average capital is the same, and the monthly repayment amount is the total loan principal divided by the number of loan months, but the monthly repayment amount is different (monthly repayment amount = monthly repayment of principal and monthly repayment of interest); The monthly repayment amount of equal principal and interest is the same, and the monthly repayment amount is the total repayment amount (total repayment amount = total loan interest): 1. The monthly repayment amount of principal under different average capital methods is the same, that is, the monthly repayment amount of principal = total loan ÷ repayment months. Under the method of matching principal and interest, the amount of principal repaid each month is different, and the monthly payable principal = loan principal× monthly interest rate× (1interest rate) ÷ (repayment month serial number-1) ÷ [( 1 interest rate) repayment months-1]. 2. Different interest repayments every month. Because the amount of principal repaid each month is different under the two methods, the outstanding principal is also different, so the interest to be repaid each month is also different. The interest to be repaid this month is the product of the unpaid principal at the beginning of this month and the monthly interest rate. 3. The total interest is different. Because the monthly repayment of the principal in the average capital is fixed, and the principal repaid in the early stage is more than that in the equal principal and interest method, the total interest is relatively small. 4. Under the average capital method, the monthly repayment amount is different, and the early repayment amount is higher. In the above example, the repayment amount in the first month was 965,438+066.67 (465,438+066.75000), which was 20.8 less in the second month. Under the method of matching principal and interest, the monthly repayment amount is fixed at 765,438+064,438+0. Therefore, the repayment pressure under the early average capital model will be even greater.