Taking mortgage as an example, according to the benchmark interest rate of the central bank, the annual interest rate of commercial loans over five years is 4.90%; The annual interest rate of provident fund loans for more than five years is 3.25%, and it is calculated that 300,000 loans can be obtained.

I. Commercial loans

1, equal monthly payment of principal and interest 1592.438+08 yuan.

2. The average capital repayment method is 300,000 yuan per month in the first 30 years, and then decreases month by month.

Second, provident fund loans.

1. Equal principal and interest repayment method: 300,000 loans for 30 months 1305.62 yuan.

2. The average capital repayment loan is 300,000 yuan for 30 years, and the first monthly payment is 1 645.83 yuan, and then it will decrease month by month.

There are two repayment methods, different repayment methods and different monthly payments after loan. The calculation method of monthly payment for the two loan methods is as follows:

1, repayment method of equal principal and interest: monthly payment = [loan principal × monthly interest rate× (1interest rate) repayment months ]=[( 1 interest rate) repayment months-1], and equal principal and interest repayment means that the monthly payment is the same, that is, the principal and interest of the bank are equally divided.

2. Repay the loan principal in equal amount ÷ months of repayment) (loan principal-accumulated repayment amount of principal) × monthly interest principal remains unchanged, and interest is gradually reduced.

Second, how much is the monthly mortgage of 300,000 yuan for 30 years?

Monthly supply and demand of 300,000 loans for 30 years (that is, 360 installments) are calculated according to different repayment methods, including equal principal and interest repayment method and average principal repayment method.

According to the central bank's loan interest rate, the annual interest rate of commercial loans over five years is 4.90%; The annual interest rate of provident fund loans for more than five years is 3.25%. The monthly loan of 300,000 yuan for 30 years is as follows:

I. Commercial loans

1, the monthly repayment amount of the equal principal and interest repayment method = [loan principal × monthly interest rate ×( 1 interest rate )× repayment months ]⊙[( 1 interest rate )× repayment months-1], then the monthly repayment of 300,000 yuan for a 30-year loan is 65430.

2. Average repayment method: monthly payment = (loan principal ÷ repayment months) (loan principal-accumulated repaid principal amount) × monthly interest rate, so the monthly payment of 300,000 loans for 30 years is (300,000 ÷ 360) (300,000-accumulated repaid principal amount )× (4.90%/65438).

Second, provident fund loans.

Calculate with reference to the above calculation method:

1. Equal principal and interest repayment method: 300,000 loans for 30 months 1305.62 yuan.

2. With an average capital of 30 years, the monthly repayment of 300,000 loans is (300,000 ÷ 360) (300,000-accumulated principal repayment amount) ×(3.25%/ 12).

3. How much is the monthly mortgage of 300,000 yuan in 30 years?

About 1466 yuan. The current interest rate is 4.486%

How much is the monthly mortgage of 46,000 yuan for 30 years?

Monthly payment is 3022. 1 yuan. If the loan interest rate is 4.45%, the monthly loan of 600,000 yuan is 3022.3438+0 yuan; If the average capital is selected, the monthly payment for the first phase is 38,965,438+0.67 yuan. Compared with the two, the monthly payment for equal principal and interest is less.