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

Calculation formula of monthly repayment amount: [loan principal; Monthly interest rate; (1+ monthly interest rate) repayment months ]/[( 1+ monthly interest rate) repayment months-1]

2. Matching principal and interest repayment: total loan amount, total repayment amount and interest payment.

Number of loan months, average monthly repayment

3. Mortgage housing loan actually refers to the variety of commercial housing that customers already have that can be listed and circulated, which is different from second-hand housing mortgage loan.

Extended data:

The repayment methods of housing mortgage loans mainly include:

1. One-time repayment of principal and interest. Now the bank stipulates that the loan term is within one year (including one year), so the repayment method is one-time repayment of principal and interest, that is, the initial loan principal plus interest during the whole loan period.

2. Equal principal and interest repayment method. Generally, the term of mortgage loan for individual house purchase is more than one year, so one of the repayment methods is equal principal and interest repayment.

3. Average capital repayment method.

Repayment method of housing mortgage loan

pay in full

Explanation: At present, the bank stipulates that the loan term is within one year (including one year), so the repayment method is one-time repayment of principal and interest, that is, the initial loan principal plus interest for the whole loan period. The calculation formula is as follows:

One-time repayment amount = loan principal ×[ 1+ annual interest rate (%)] (loan term is one year)

One-time repayment of principal and interest at maturity = loan principal ×[ 1+ monthly interest rate (‰ )× loan term (month)] (loan term is less than one year)

Where: monthly interest rate = annual interest rate12.

If the housing provident fund loan is 6,543,800 yuan and the loan period is 7 months, the one-time repayment of principal and interest is:

10000 yuan × [1+(4.05% ÷ 65438+February) × July ]= 10236.3 yuan.

Average capital plus interest

Explanation: Generally, the term of mortgage loan for individual house purchase is more than one year, so one of the repayment methods is the equal principal and interest repayment method, that is, from the second month of using the loan, the loan principal and interest will be repaid in equal amount every month. The calculation formula is as follows:

Equal monthly repayment of principal and interest = loan principal ×

In which: number of repayment periods = loan period × 12.

If the commercial loan is 200,000 yuan, and the loan term is 15 years, the monthly equal amount of principal and interest is:

The monthly interest rate is 5.04%12 = 4.2 ‰, and the repayment periods 15× 12= 180.

200000×4.2‰×( 1+4.2)

That is, the borrower repays 1 642.66 yuan to the bank every month. After 65,438+05 years, the principal and interest of the loan of 200,000 yuan will be paid off in full.

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