There are two ways to repay the loan, the equal principal and interest method and the average capital method:

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. The calculation formula of monthly repayment amount is as follows:

[loan principal × monthly interest rate ×( 1 monthly interest rate) repayment months ]/[( 1 monthly interest rate) repayment months].

2. Average capital refers to a repayment method, that is, the total loan amount is divided into equal parts during the repayment period, and the equal principal and interest generated by the remaining loans in the current month are repaid every month. In this way, because the monthly repayment amount is fixed and the interest is less and less, the borrower is under great pressure to repay at first, but as time goes on, the monthly repayment amount is less and less.

Calculation formula of average capital loan:

Monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.

The total amount is 654.38+0.2 million, the loan term is 654.38+0 years, and the current benchmark interest rate for 654.38+0 years is 4.6%.

Matching principal and interest method: monthly repayment10,250.91,total interest payment of 3,010.97, total principal and interest of123,010.97;

Average capital method: the repayment in the first month is 65,438+00,460.00, with a monthly decrease of 38.33, with a total interest of 2,990.00 and a total principal and interest of 65,438+022,990.00.

2. What is the 30-year interest rate of Everbright Bank mortgage?

Generally speaking, it is 4. 1%, depending on whether you are the first one. Some places also offer discounts.

3. Three-year interest on Everbright's 300,000 certificates of deposit?

The 3-year interest rate of the certificate of deposit of 202 1 of China Everbright Bank with RMB 200,000 or more is 3.55 _;

202 1 I deposited a large deposit certificate of 300,000 yuan in China everbright bank, with a fixed term of three years and an annual interest rate of 3.55%. I calculated that the interest due is 3 1950 yuan. Compared with the 3-year time deposit with an annual interest rate of 2.75%, the annual interest of the 300,000-yuan certificate of deposit is 2,400 yuan more, and the three-year interest is 7,200 yuan more.

4. What is the 30-year interest rate of Everbright Bank mortgage?

The 30-year interest rate of Everbright Bank mortgage is 4.9%. Everbright Bank mortgage interest rate

1. Apply for a mortgage in China Everbright Bank, and the annual interest rate of the loan term is within 6 months (inclusive).

2. Apply for mortgage in China Everbright Bank, and the annual interest rate is 4.35% when the loan term is from 6 months to 1 year (inclusive);

3. Apply for a mortgage at China Everbright Bank with a loan term of 1-3 years (inclusive) and an annual interest rate of 4.75%;

4. Apply for a mortgage in China Everbright Bank with a loan term of 3-5 years (inclusive).

5. When applying for a mortgage at China Everbright Bank, the annual interest rate of the loan with a loan term of more than 5 years is also related to the provisions of bank outlets and personal comprehensive qualifications, which is subject to the interest rate.

The housing loan of China Everbright Bank generally takes 1 month to be approved. Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal real estate business. He refers to the loans granted by commercial banks to borrowers who buy houses for the first time (that is, houses developed and built by real estate developers or other qualified developers and sold to individuals).

The basic formula for calculating interest is: interest = principal x deposit term x interest rate; Interest rate conversion: the conversion relationship among annual interest rate, monthly interest rate and daily interest rate is: annual interest rate = monthly interest rate x360 (days) and daily interest rate x30 (days); Daily interest rate = annual interest rate -360 days = monthly interest rate -30 days. According to the provisions of People's Republic of China (PRC) State Taxation Administration of The People's Republic of China Guoshuihan [2008] No.826, personal income tax has been paid since June 5438+ 10, 2008, so the current interest of savings deposits is temporarily exempted from interest tax.

The consequences of inflation are still very serious, with the following consequences:

1. There will be a certain penalty interest and late payment fee. Everbright Bank will charge you according to the regulations from the overdue date, and may charge 30%-50% on the basis of the original loan interest rate;

2. In the credit information system, China Everbright Bank will record your overdue records, and the personal credit information system will have bad records, which will affect your loan business in other financial institutions;

3. If you are accepted by China Everbright Bank, it will be enforced according to law (such as withholding deposits and auctioning collateral). ).