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Answer:

How to calculate the interest of 0.33 for the loan of 65438+136 installments?

First of all, it is necessary to clarify the calculation method of interest. Repay in the form of equal principal and interest, and the total amount of principal and interest in each installment is the same. Therefore, the proportion of principal and interest in each period is different, but the total repayment amount in each period is the same.

Secondly, according to the loan interest of 0.33 in 36 installments of 654.38 million, the loan principal and interest rate are calculated respectively. The loan principal is 6,543,800 yuan, the interest rate is 0.33, and the annual interest rate is 0.33/654.38+ 02 = 0.0275. The monthly interest rate is 0.0275.

The third step is to calculate the monthly repayment amount by using the equal principal and interest repayment formula. According to the formula:

Monthly repayment amount = [loan principal x monthly interest rate x( 1+ monthly interest rate) repayment months ]/[( 1+ monthly interest rate) repayment months-1]

Bringing the loan principal, monthly interest rate and repayment month into the formula, the monthly repayment amount is calculated to be about 3 142 yuan.

Finally, the interest expense of each period is calculated according to the monthly repayment amount. As the principal repaid in each installment gradually decreases, the interest repaid in each installment will also gradually decrease. Finally, before the loan is paid off, the ratio of principal to interest repaid in each installment will approach 1:0.

I hope the above answers can solve your problem.