1. I have a mortgage loan of 14, yuan for 1 years. How much do I need to pay back every month?

the benchmark interest rate for loans with a term of more than five years is 5.94%, and the monthly interest rate is 5.94%/12=.495%; If the first house enjoys a 3% discount and the interest rate is 4.158%, The monthly interest rate is 4.158%/12 = .3465% and the monthly repayment amount of 14, years (12 months): [1,1,.495% (1.495%) 12]/[(1.495%) 12-1] = [(1.3465%) 12-1] = 1427.97 yuan 12 is the 12th power discount, and it will be 1427.97 yuan per month, and 155.7 yuan per month for basic repayment: 1. Conditions for buying a house by bank loan: 1. Requirements for borrowers: 1. Natural persons aged 18-6 (Hong Kong, Macao and Taiwan and foreigners) 2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule; (2) Information to be provided: 1. 3 copies of the applicant's and spouse's identity card, the original and photocopy of the household registration (if the applicant and spouse do not belong to the same household registration, a marriage certificate shall be attached); 2. The original purchase agreement; 3. One original and one copy of the advance payment receipt for 2% or more of the house price; 4. Proof of the applicant's family income and relevant assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.; 5. One copy of the developer's collection account number. (III) Materials to be provided by the borrower 1. Identity cards of husband and wife, household registration book/temporary residence permit for foreigners and household registration book; 2 copies of marriage certificate/divorce certificate or judgment/single certificate; 3. Proof of income (in the format specified by the bank); 4. Copy of the business license of the unit (with official seal); 5. Credit certificate: including academic certificate, other real estate, bank running water, large deposit certificate, etc. 6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements. 2. Bank loan purchase process 1. Go to the bank to understand the relevant situation. After meeting the conditions of buying a house with a bank loan, apply for a personal housing loan with relevant materials; 2. Then accept the bank's review of you and determine the loan amount; 3. Next, you can handle the loan contract, and the bank will handle the insurance. Handle the registration and notarization of property right mortgage; 4. The last thing left is the cancellation of registration after the bank issues loans, the borrower repays monthly and pays off the principal and interest.

II. How much is the loan of 14, yuan to be repaid in one month for ten years

Matching principal and interest method: loan principal: 4, assumed annual interest rate: 4.9% loan period: 1 years: monthly repayment principal and interest amount: 4,223.1 yuan, total repayment amount with principal and interest: 56,772 yuan, and * * interest payable: 1, yuan. The interest paid in the first month is: 1633.33; The principal repayment in the first month is: 2589.77; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of midway interest rate)

Third, how much is the loan of 144, yuan still ten years a month

At present, the People's Bank of China has announced 5-3 years (including .9%), according to the benchmark interest rate. Under the condition that the interest rate remains unchanged, the repayment amount is 1,478.8 yuan, and the average capital method is adopted.

If you are going to apply for a loan at China Merchants Bank, the loan interest rate will be calculated.