I come from Jilin Province. My real salary is 2530 yuan, and my monthly provident fund is 4 16. I purchased commodity mortgage accumulation fund of 95,000 yuan. It is most suitable for good people to help me calculate the loan period. Thank you. The answer is as follows:

The actual salary is 2530 yuan per month. According to the general regulations of provident fund management center, your monthly repayment ability is: 2530*0.4= 1 138.50 yuan (monthly repayment ability after loan).

After calculation, the loan is 95,000 yuan, and the annual interest rate of the current provident fund loan is 4.45% for less than 5 years (inclusive) and 4.90% for more than 5 years. If the loan term is five years, it shall be repaid according to the equal principal and interest method. The monthly payment is 1 768.93 yuan, and the balance after your monthly repayment is 76 1.07 yuan (living expenses), which will not be approved by the provident fund management center. The appropriate period is 8-9 years.

1, the term is 8 years, the monthly payment is 1 177.97 yuan, and the total interest is 18085.4438+0 yuan;

2. The term is 9 years, the monthly payment is 1069. 1 1 yuan, and the total interest is 20463.9438+0 yuan;