The total loan amount is 85,000.00 yuan. Average capital repayment: the repayment period is 36 months, and the repayment in the first month is about 2736.53 yuan, with a monthly decrease of 10.43 yuan. The total interest paid is about 6945.438+0 yuan, and the total principal and interest is about 9 1 945.438+.
Extended data:
According to the common types of bank loans, it can be divided into four types:
1. Credit loan: Only personal credit loan is needed, and no collateral is needed. Credit loan business is mainly handled by banks, loan companies and electronic financial institutions.
Credit loans (credit loans) are booming in China. Although the time is not long, all parties are actively launching products to compete for the market. The credit loan of the loan company is about 200,000-300,000, and the interest rate is 1.5%-3%. Some loan companies are commonly known as usury. These products are characterized by high speed and flexible quota, but the cost is hidden in fees and other charging items, and the actual loan cost is much higher than the publicity interest rate.
2. Mortgage loan: Mortgage loan is a kind of loan that banks or other lending institutions require borrowers to apply for mortgage with items in their names that are considered valuable by banks in order to ensure that borrowers can repay their loans on time. This kind of mortgage loan produces different loan products because of the different items mortgaged. For example, when a borrower applies for a mortgage loan with the property under his own or others' name as collateral, it is usually called "real estate mortgage loan"; A mortgage loan applied by a borrower with his own car as a mortgage is called "car mortgage" and so on. Therefore, there are many kinds of mortgage loans, and borrowers can apply according to their actual situation.
3. Secured loan: A loan granted on the condition that a third party provides a guarantee for the borrower, and the guarantor shall bear legal responsibilities. Personal guarantee refers to the guarantee document issued by an economic entity with repayment ability. When the borrower fails to repay the loan principal and interest, the guarantor shall bear the responsibility of repaying the loan principal and interest. The guarantee of things is based on a specific kind or a certain right. Once the borrower fails to perform the contract, the bank can exercise its rights on the collateral to ensure that the creditor's rights will not be lost.
4. Provident fund loans: Provident fund loans mainly refer to individual housing provident fund loans of citizens. In other words, in housing provident fund management centers around the country, after employees apply for provident fund loans, they apply to banks with their own money. After approval, banks issue housing mortgage loans.