The house we are going to buy has a mortgage loan of 90 thousand yuan, with interest of 4.6% and a term of 5 years. I want to know what the interest is for these five years. How much is the monthly payment? First of all, please make clear whether the interest of 4% 6 is the monthly interest rate or the annual interest rate. But it doesn't matter. 4% 6 should mean the monthly interest as usual.

The principal is 90,000 yuan, the annual interest is 0.46%* 12=5.52%, and the term is 5 years.

Matching principal and interest repayment method:

Sum of principal and interest = 9 * (1+5.52% * 5) =11.484 million.

Monthly payment = sum of principal and interest/(65438+February *5 years) = 19 14 yuan.

Note: Calculated at fixed interest rate. In case of interest adjustment, it shall be calculated by stages before and after the interest adjustment date.

Average capital repayment method:

Total interest = [90,000 * 60-(60 * 29+30) * 0.15] * 5.52%/12 = (540-265.5) * 5.52%/12.

Monthly payment = monthly fixed repayable principal+current interest = 9/60+(9-0. 15 * repayment times) *5.52%/ 12 months.

For example, the first monthly payment = 9/60+(9-0.15 * 0) * 5.52%/12 months = 0.15+9 * 5.52%/12 =/kloc.

The second monthly payment = 0.15+(9-0.15 *1) * 5.52%/12 = 0.15+0 =1900.

etc ...