The loan is 546,5438+00 years. If the repayment method is average capital, the annual interest rate of the loan is 4.90%, and the repayment in the first month is 6705.00 yuan, with a monthly decrease of 18.38 yuan. The total interest is 65,438+033,402.50 yuan, and the total repayment amount is 673,402.50 yuan, with interest accounting for the total repayment amount.
The loan amount is 540,000 yuan, the term is 10 year and the loan interest rate is 4.90%. Using different repayment methods, the calculation results are shown in the following table:
Average capital and interest average capital
The monthly repayment is 5,701.18, and the first month repayment is 6,705.00.
Monthly decrease 18.38.
Total interest 144, 14 1.52 total interest133,402.50
Interest accounts for 2 1.07%, and interest accounts for 19.8 1%.
Under the same conditions, the average capital saves interest by 65,438+00,739.02 yuan compared with the matching principal and interest.
If the monthly loan payment is 546,5438+00 years, what is the monthly loan payment and interest? We also need to know the repayment method (equal principal and interest or equal capital), and the loan interest rate is 4.90% this time.