According to the benchmark interest rate of 6.55%, the monthly interest is 1 122.78, and the interest is * * * 1 19500.
However, interest rates may rise or be preferential.
How much is the monthly interest paid off on the 23,400 loan for 20 years?
Principal of the loan: 340,000 yuan, loan life: 20 years (240 months), and four situations of paying off all the loans with the interest rate unchanged: ☆ According to commercial loans, the annual interest rate is 6.55% (the monthly interest rate is 5.45333333333 ‰), the monthly payment is 2,544.97 yuan, and the total interest is 270,792.07 yuan ☆ According to commercial loans, the average capital is calculated. The first monthly payment is 3,272.5 yuan, and the last monthly payment is 7.73 yuan. The total interest is 1, 424.4 yuan. According to the provident fund loan, the annual interest rate calculated by matching the principal and interest is 4.5% (monthly interest is 3.75‰), the monthly payment is 2 15 1.0 1 yuan, and the total interest is 17624 1.89 yuan ☆ according to the provident fund loan. The first monthly payment is 26,965,438 yuan +0.67 yuan, and the monthly payment at the end of the month is 5.365,438 yuan +0 yuan: 65,438 yuan+04,265,438 yuan +0.98 yuan. The total interest is 65438 yuan +053637.5 yuan. Matching principal and interest repayment method: every month. Monthly repayment months ÷ (1 interest rate) Monthly repayment interest = loan principal × monthly interest rate × [( 1 interest rate) Monthly repayment months -( 1 interest rate) (repayment month serial number -65438) Monthly repayment months-1] Monthly repayment principal. [(that is, four times 15) Additional note: the repayment calculation method of provident fund loans and commercial loans is the same. Only applicable to different loan interest rates. Average principal repayment method: monthly repayment amount = (loan principal ÷ repayment months) (loan principal-accumulated repaid principal) × monthly interest rate = loan principal ÷ repayment months × monthly interest rate = remaining principal × monthly interest rate = (loan principal-accumulated repaid principal). × monthly interest rate = monthly repayment amount× monthly interest rate = loan principal ÷ repayment months× monthly interest rate total interest = [(total loan amount ÷ repayment months× monthly interest rate) total loan amount ÷ repayment months× (1monthly interest rate) ÷ 2 × repayment months-total loan description: monthly interest rate = annual interest rate.
Third, the interest rate is 4. 1. What is the interest rate for a 20-year loan of 340,000 yuan?
The repayment methods of "equal principal and interest" and "average capital" are adopted respectively;
Annual interest rate =4. 1%, monthly interest rate = annual interest rate/12=0.34 17%.
First, the "equal principal and interest" method
Formula monthly repayment amount = loan amount and monthly interest rate /[ 1-( 1 interest rate)-repayment months]
Monthly repayment amount = 3400000.3417%/[1-(10.3417%)-240]
Monthly repayment amount = 2078.36 yuan
Total repayment = 498,807.57 yuan
Total interest = 158807.57 yuan.
Second, the "average capital" model.
(1), calculate the down payment.
Formula First repayment amount = loan amount [( 1/ total number of months) monthly interest rate]]
Down payment = 340000 [(1/240) 0.3417%)]
The first repayment amount = 2578.45 yuan.
(2) Calculate the monthly decline.
Formula Monthly Decline = Loan Amount/Monthly Total Interest Rate
Monthly decline = 340000/2400+07%
Monthly decreasing amount =4.84 yuan
(3) Calculate the total amount of interest and repayment.
Formula Total Interest = 1/2 Monthly interest rate of loan amount (1 total months)
Total interest =1/23400000.317% (1240).
Total interest = 139994.49 yuan.
Total repayment = 479,994.49 yuan
Results:
"Matching principal and interest" method, the monthly repayment is 2078.36 yuan, and the total repayment is 498,807.57 yuan.
"Even cost" method, the first repayment amount is 2578.45 yuan, and then it will decrease by 4.84 yuan every month; The total repayment amount is 479,994.49 yuan.
"Equal principal and interest" saves interest18,813.08 yuan.
43,400 yuan loan for 20 years, how much is the monthly interest paid off?
There are two repayment methods: 1, and the average principal in the first month is RMB 3,017.5. * * * Pay interest 192900.42 yuan; The monthly interest rate in this way is gradually decreasing. 2. Matching principal and interest-monthly repayment of 2367.438+0.60 yuan. The monthly interest rate of this method is gradually increased.