Monthly payment: 1556.6 1 yuan, total repayment: 373,585.46 yuan, and interest paid:173,585.46 yuan.
I don't know whether you bought the first house or the second house. First-time buyers pay 30-40% down payment, and the loan interest rate rises by 5% to 10% on the basis of the benchmark interest rate. The down payment for the second home is 60%, and the loan interest rate rises on the benchmark interest rate 10%, with a maximum of 50%. This floating interest rate varies from bank to bank. Cities are different, and so are they. You can use this formula in Excel to estimate according to the standards of your city:
PMT (benchmark interest rate (1+ floating interest rate)/12,20×12,200,000,0)
Up 5%, mortgage interest rate = benchmark interest rate × 1.05 times monthly payment =￥ 1, 599.28.
Floating 10%, mortgage interest rate = benchmark interest rate × 1. 1 double monthly payment =￥ 1, 642.5438+0.
Just know the above formula: adjust the interest rate anyway. You know how to calculate it.
Total repayment amount = monthly repayment amount × total repayment months
Total interest = total repayment-total loan.
Homepages of banks and financial websites have related calculators, for example, Sina: Real Estate; Loan calculator "equal principal and interest repayment method. You can simulate the above calculation, and you will probably have a bottom in your heart.
Now it is a question of prepayment: generally, prepayment can be made after one year. If you pay off in one lump sum after five years, you will repay the same amount of principal and interest every month before prepayment, and the remaining unpaid part is called residual principal. Generally, you only need to pay the remaining principal, and you don't have to pay the interest for the remaining 15 years. Of course, the most important thing is to look at the provisions on prepayment, liquidated damages or other restrictive clauses in the contract, but you will not be allowed to repay the remaining interest of 15. Don't worry. . .