Please pay attention to the official account of "Bank of China Micro-Banking" WeChat, select the function of "Microfinance-Function Hall-Financial Tools and Information Inquiry-Loan Calculator" in the menu below, and enter the calculation conditions according to the page prompts for inquiry.
The above contents are for your reference. Please refer to the actual business regulations.
On-line calculation of mortgage calculator
Online calculation of mortgage calculator includes equal monthly payment, that is, equal principal and interest repayment method and decreasing monthly payment, that is, average principal repayment method. Using a mortgage calculator is also very simple. Just open the mortgage calculator, enter the loan amount, loan term, loan interest rate and repayment method in the commercial loan window, and then click Calculate.
First, about mortgage.
With the development of society, many people will choose to buy a house, but they will choose a mortgage because of lack of funds. Mortgage loan is also called house mortgage loan. If the buyer fills in the mortgage loan application form and provides relevant legal certificates to the bank, the bank can promise the loan to the buyer after examination, and handle the mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded by the buyer. The mortgage is calculated after the buyer borrows money to buy a house, so the mortgage calculator is derived at this time. Mortgage calculator is a very convenient software, which can accurately calculate the mortgage that needs to be repaid every month. It should also be noted that after the mortgage starts, it will be paid back every month. If it is overdue, it will be very serious.
Second, about the mortgage calculator.
I believe many people who buy a house have used the mortgage calculator because it is a very easy-to-use software. The monthly equal repayment method calculated online by mortgage calculator means that the borrower repays the loan principal and interest in equal amount every month, in which the monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled every month. The latest mortgage interest rates of mortgage calculator are 201510/October 24th, 202 1 2020, 20 19, 20 18. At present, the commercial mortgage interest rate for more than five years is 4.9%, and the mortgage interest rate for less than five years is 4.75%.
To sum up, the mortgage calculator is very practical for ordinary people who repay their mortgages. Including matching principal and interest repayment method and average capital repayment method, including total loan amount, repayment months, monthly repayment amount, total interest payment, total principal and interest, etc.
186,000 interest 2.5 How much is it for five years?
The loan is 65,438+0,800,000,25 years. Assuming that the repayment method is equal principal and interest, and the annual interest rate of the loan is 4.90%, the monthly repayment is 1.04 1.80 yuan, and the total interest is 132540.45 yuan, and the total repayment is 3 12540.45 yuan.
The loan is 65,438+0,800,000,25 years. If the repayment method is average capital, the annual interest rate of the loan is 4.90%, the repayment in the first month is 1335.00 yuan, with a monthly decrease of 2.45 yuan, and the total interest is 1 106 17.50 yuan, with a total repayment of 290,000 yuan.
The loan amount is 654.38+0.8 million, the term is 25 years and the loan interest rate is 4.90%. Using different repayment methods, the calculation results are shown in the following table:
Average capital and interest average capital
Monthly repayment 1, 04 1.80, first month repayment 1, 335.00.
Reduce by 2.45 pounds a month
Total interest132,540.45 Total interest110,617.50.
Interest accounts for 42.4 1%, and interest accounts for 38.06%.
Under the same conditions, the average capital saves interest by 2 1922.95 yuan compared with the equal principal and interest.
If the monthly payment for 25 years is 1.8 million, what is the monthly payment and interest? We also need to know the repayment method (equal principal and interest or equal capital), and the loan interest rate is 4.90% this time.
If your loan interest rate is not 4.90%, you can use our calculator to modify the interest rate and recalculate the detailed results. You can also pay attention to our official WeChat account: Mortgage Wizard, and get more help (online calculator latest information experts answer questions).
Let's take the loan180,000, with a term of 25 years and a loan interest rate of 4.90% as an example to explain the repayment information in detail. If you want to see the details of the repayment method of equal principal, please use the average capital loan calculator of this website.
The loan is RMB 6,543,800+0.8 million with a term of 25 years and an annual interest rate of 4.90%. The repayment method is equal to the principal and interest, and the monthly repayment details.
Monthly repayment, interest, principal and remaining principal.
1 1,04 1.80735.00306.80 179,693.20
2 1,04 1.80733.75308.05 179,385. 14
3 1,04 1.80732.49309.3 1 179,075.83
4 1,04 1.8073 1.233 10.58 178,765.26
5 1,04 1.80729.963 1 1.84 178,453.4 1
6 1,04 1.80728.683 13. 12 178, 140.30
7 1,04 1.80727.4 13 14.40 177,825.90
8 1,04 1.80726. 123 15.68 177,5 10.22
9 1,04 1.80724.833 16.97 177, 193.25
10 1,04 1.80723.543 18.26 176,874.99
View all detailed reports (reports can be downloaded to Excel)
The loan is RMB 6,543,800+0.8 million with a term of 25 years and an annual interest rate of 4.90%. The repayment method is equal principal and interest, and the monthly repayment is a line chart.
Loan180,000 yuan with a term of 25 years and an annual interest rate of 4.90%. Matching principal and interest repayment method, the proportion of principal and interest, interest accounts for 42.4 1%, and principal accounts for 57.59%.
The characteristics of equal principal and interest repayment method are: the repayment of principal increases month by month, the monthly repayment interest decreases month by month, and the monthly repayment amount (monthly payment) remains unchanged. Recommended: online equal principal and interest loan calculator.
The characteristics of average capital's repayment method are: the monthly principal repayment remains unchanged, the interest decreases month by month, and the monthly repayment amount decreases month by month. Recommended: online average capital loan calculator.
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The calculation results of all calculators on this site are for reference only, and this site does not assume any responsibility for the accuracy of the results. The actual amount shall be subject to the result confirmed by the bank/insurance company/relevant national institutions.
Calculator formula of loan annualized interest rate
The calculation process of annual interest rate is as follows: annual interest rate = monthly interest rate × 12 months = daily interest rate ×360 days (360 days per year). If the daily interest rate is 0.05%, the annualized interest rate is 0.05% × 360 days = 18%, and the loan is 10000 yuan, the annual interest is 18%× 10000 yuan = 1800 yuan.
Loan interest calculator 20 17
If you apply for a personal business loan in China Bank, the interest is calculated as follows:
Scheme 1: The RMB loan interest rate announced by the People's Bank of China is the benchmark interest rate, which can fluctuate appropriately according to the customer's situation and loan type. Please consult your local business outlets for details.
Scheme 2: You can search for "Bank of China Weizhong Bank" or "bocebanking" in WeChat official account through Tencent WeChat client, pay attention to and open the location information, and then use Weizhong Bank service to calculate interest.
Click on micro-service-financial tools in Weizhong Bank to find relevant calculation tools, including deposit calculator, loan calculator, investment calculator, exchange rate converter and other calculators (personal income tax).
The above contents are for your reference. Please refer to the actual business regulations.