Interest means that everyone doesn't know what the loan interest level is, so let's take China Construction Bank's loan interest of 500,000 yuan as an example to let everyone know.

If you want to know how much interest you have to pay for a loan of 500 thousand, you must first know what the expected annualized interest rate of the loan is. In addition, the loan term and repayment method are also the key factors to determine the interest rate. The expected annualized interest rate of each bank is adjusted on the basis of the benchmark interest rate of the central bank. The expected annualized interest rate of CCB loans for more than five years is 6. 1.

For example, the loan is 500,000 yuan, the term is 10 year, and the monthly repayment amount and interest are as follows:

1, equal principal and interest:

Monthly repayment: 5588

Interest paid: 17065 1.58 yuan.

Total principal and interest: 67065 1.58 yuan.

2. Average capital:

Monthly repayment is 265,438 yuan +0.35.

Interest paid: 1

The sum of principal and interest is smart.

Second, how much interest does a bank loan of 500,000 yuan pay each month?

According to the average capital method, the interest payable in the first month = loan principal 1000000× monthly interest rate 0.6525% = 6525 yuan; 2. Tian Yue's interest payable = residual principal 99 1667 yuan × 0.6525% = 6470 yuan. And so on!

3. Borrow 500,000 yuan for 20 years, and how much principal and interest should be repaid each month?

The loan is 50W, and the repayment period is 20 years, calculated at the benchmark interest rate of 6.55%. Choose matching principal and interest: repayment of RMB 3,742.60 per installment, including principal 10 13.43, interest of RMB 2,729.17 yuan, and total interest of RMB 398,223.63. Choose the average capital: the maximum monthly repayment amount (down payment) is 48 12.5 yuan, in which the principal is 2083.33 yuan and the interest is 2729. 17 yuan. In the future, the interest of each installment will be reduced by 1 1.37 yuan, that is, the monthly repayment of the second installment is 480 1. 13 yuan, in which the principal is 2083.33 yuan, the interest is 27 17.80 yuan, and the total repayment interest is 328,864.58 yuan. So from the above point of view, it is more cost-effective to choose the average capital, but the pressure of prepayment will be greater! The repayment will be less and less in the future. The equal principal and interest is 69,359.08 yuan less than the equal principal and interest. 1. loan: a simple and popular understanding of borrowing money with interest. Loan is a kind of credit activity that banks or other financial institutions lend monetary funds at a certain interest rate and must repay them. Loans in a broad sense refer to loans, interest subsidies, overdrafts and other borrowing funds. Through loans and monetary funds, banks can meet the social demand for supplementary funds, expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. 2. Principles: The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles." 1, loan security is the primary problem faced by commercial banks; 2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time; 3. Efficiency is the basis of sustainable operation of banks. 3. Interest is the cost of using money in a certain period. Refers to the monetary holder's reward for lending money or monetary funds to the borrower. Including deposit interest, loan interest and various bond interest. Under the capitalist system, the source of interest is the surplus value created by hired workers. The essence of interest is a special transformation form of surplus value and a part of profit. In the abstract, interest refers to the value added when monetary capital is injected and returned to the real economy. Interest is not so abstract. Generally speaking, it refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for using the borrowed currency or funds. Also known as secondary gold and mother gold (main gold) symmetry. The calculation formula of interest is: interest = principal × interest rate × deposit period (i.e. time).

4. What's the monthly interest on a loan of 500,000 yuan in the bank?

At present, the annual interest rate of loans for 5-30 years (including 30 years) announced by the People's Bank of China is 4.9%. According to the trial calculation of the benchmark interest rate, the average capital method calculates the total interest as 133464.37 yuan, the monthly repayment amount is 5278.87 yuan, and the total interest is 123520.83 yuan. If your city has China Merchants Bank, you can try to apply for a loan through China Merchants Bank. For the information such as the execution interest rate, amount, loan term and loan repayment method of your specific loan application, the handling bank needs to specially review your comprehensive information after you apply for a loan, and the loan can only be determined after it is approved. Please dial 95555 at 8:30- 18:00, and select "2 manual service-"1"personal banking-"4 "personal loan business to enter the manual service to provide loan purpose and city details.