500000 * 6. 14% * 0.9/ 12 * ( 1+6. 14% * 0.9/ 12) 360/[( 1+6.65438)
Total interest: 2847.11* 360-500000 = 524959.6.
Explanation: 360 is 360 power.
If you borrow money:
1. After the interest rate is raised, the new interest rate is applicable to loans, and the monthly repayment is increased. The original discount remains unchanged, but it is only based on the new interest rate. If the original discount is 30%, there are:
Original loan interest rate: 5.94%*90%
Current loan interest rate: 6. 14%*90%
You can use these data to give you a calculator to calculate related data/custserv/cs6/cs62/20081/t200811/7 _130538.
The monthly repayment is increased by about 55 yuan.
As for when to start, it depends on the bank and the loan contract.
Loan interest is calculated at floating interest rate. After the adjustment of bank loan interest, the interest rate level of loan interest calculation is also adjusted. Of course, no matter how it is calculated, it has no effect on the interest paid. It will have an impact on the adjusted interest. After the adjustment of the general bank interest rate, the interest rate of the unpaid part of the loan is also adjusted. There are three forms: first, after the bank's interest rate is adjusted, the newly adjusted interest rate will be implemented at the beginning of the following year (ICBC, Agricultural Bank of China and China Construction Bank are all like this); The second is the annual adjustment, that is, the new interest rate is adjusted and implemented every year of repayment (China bank mortgage is like this); Third, the two sides agreed that the new interest rate level will be implemented in the month after the bank's interest rate adjustment.