The monthly payment of 306,5438+05 is determined according to the loan interest rate, which is different in different cities.
Calculated according to the interest rate of the first house provident fund loan of 3.25%, the loan is 300,000 yuan, the loan term is 15 years, the monthly payment of the equal principal and interest is 2108.0/yuan, and the average monthly payment is 2,479.17 yuan, and then it will be reduced by 4-5 yuan every month. There is little difference in the monthly payment between the two repayment methods, but if you want to repay in advance, save interest and reduce the pressure of future repayment, it is recommended to choose the equal principal repayment.
Extended data
Banks can use product interest method and transaction interest method to calculate interest.
1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:
Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.
2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:
If the interest-bearing period is a whole year (month), the interest-bearing formula is:
① Interest = principal × year (month )× year (month) interest rate
If the interest-bearing period is a whole year (month) and days, the interest-bearing formula is:
② Interest = principal × year (month) × year (month) interest rate principal × odd days × daily interest rate.
At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:
③ Interest = principal × actual days × daily interest rate
These three formulas are essentially the same, but because the interest rate conversion is only 360 days a year. However, when calculating the actual daily interest rate, it will be calculated according to 365 days a year, and the result will be slightly biased. Which formula is used specifically, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract.
What is the monthly mortgage payment of 300,000 yuan for fifteen years?
As a novice homebuyer, he may not know much about mortgage, let alone how much 300,000 mortgage will be repaid every month for 15 years. But don't worry, let me give you a brief introduction to this problem.
What is the monthly mortgage payment of 300,000 yuan for fifteen years?
To calculate the monthly mortgage payment, we must first know the loan interest rate and repayment method. Calculated according to the benchmark annual interest rate of 5. 15% for loans with a term of more than five years, if equal principal and interest repayment is adopted, the monthly payment will be 2395.89 yuan. If the average capital method is adopted, the repayment in the first month is 2954. 17 yuan, with a monthly decrease of 7. 15 yuan.
What is the most suitable monthly payment for buying a house?
Calculation of repayment ability coefficient:
For example, the coefficient is 0.4, and the monthly income is 8,000 yuan, that is, the monthly payment is 3,200 yuan; If the coefficient is 0.5, the monthly income is 8,000 yuan, that is, the monthly payment is 4,000 yuan.
As we all know, repayment ability is closely related to monthly income, work, assets and credit information. The higher the personal income, the more stable the job, the more family assets, the better the credit information and the greater the repayment ability coefficient.
In addition to the repayment ability coefficient, you also need to consider the following three aspects:
1, down payment ability
If you buy the first suite, the down payment is about 30%. In addition to the down payment and loan, you also need to calculate the later decoration expenses, so that you can know how much you need. Then, share all the monthly expenses to see if you can afford it and whether it will affect the quality of life in the future.
2. Monthly supply capacity
From the perspective of monthly payment: in the case of repayment ability coefficient, it is necessary to add the change of loan interest rate, especially the increase of monthly payment caused by interest rate change, or the decrease of income may lead to repayment difficulties. Because these factors have a great influence on the monthly payment, it is best to prepare a sum of money to deal with emergencies.
Editor's summary: After reading the above introduction, I believe everyone has a further understanding of 15' s monthly repayment of 300,000 mortgage. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.
How much is the monthly loan of 300,000 yuan 15?
The loan of 300,000 yuan is 65,438+2005, and the monthly repayment is 2,356.78 yuan. At present, the annual interest rate of loans for 5-30 years (including 30 years) announced by the People's Bank of China is 4.9%. On the basis of trial calculation of the benchmark interest rate, under the condition that the interest rate remains unchanged, the repayment method of equal principal and interest is adopted. The total interest is 65,438 yuan+024,220.88 yuan, and the monthly repayment amount is 2,356.78 yuan.
At present, the repayment methods of mortgage loans in China are: one-time repayment with a loan term of 1 year, and equal principal and interest repayment with a loan term exceeding 1 year.
Matching principal and interest repayment: the monthly repayment amount is the same, but the principal part increases month by month and the interest part decreases month by month. During the repayment period, the total interest expense paid is higher than the repayment method in average capital.
Average capital: the monthly repayment amount decreases month by month, in which the principal part remains unchanged and the interest decreases month by month. The total amount of interest paid during the repayment period is lower than that of the matching principal and interest method, but the amount of repayment in the early stage (including principal and interest) is higher than that of the matching principal and interest repayment method.
20 15 years, how much is the principal and interest of the provident fund loan?
20 15 years, how much is the principal and interest of the provident fund loan?
The annual interest rate of the provident fund loan is 3.25% for more than five years, and the loan is paid off 30 10 every year. The repayment situation is as follows:
Matching principal and interest repayment:
The total loan is 300,000 yuan.
Number of repayment months:1August
Monthly repayment of 2 108438+0 yuan.
Total interest paid is 7944 1. 14 yuan.
Total principal and interest is 37,9441.14 yuan.
Equal principal repayment:
The total loan is 300,000 yuan.
Number of repayment months:1August
The repayment in the first month is 2479. 17 yuan.
Decreasing monthly: 4.5 1 yuan
Total interest paid is 735,365,438+0.25 yuan.
Total principal and interest is 37,3531.25 yuan.
Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. The housing provident fund paid by employees and the housing provident fund paid for employees by the unit where employees work are personal savings stored by employees in accordance with the regulations for housing consumption expenditures, which belong to individual employees. When an employee retires, the balance of principal and interest is paid in one lump sum and returned to the employee himself.
How much is the monthly repayment of 30-year and 15-year provident fund loans?
You can calculate according to the following columns:
The annual interest rate of the provident fund loan is 3.25% for more than five years, and the loan is paid off 30 10 every year. The repayment situation is as follows:
Matching principal and interest repayment:
The total loan is 300,000 yuan.
Number of repayment months:1August
Monthly repayment of 2 108438+0 yuan.
Total interest paid is 7944 1. 14 yuan.
Total principal and interest is 37,9441.14 yuan.
Equal principal repayment:
The total loan is 300,000 yuan.
Number of repayment months:1August
The repayment in the first month is 2479. 17 yuan.
Decreasing monthly: 4.5 1 yuan
Total interest paid is 735,365,438+0.25 yuan.
Total principal and interest is 37,3531.25 yuan.
Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. The housing provident fund paid by employees and the housing provident fund paid for employees by the unit where employees work are personal savings stored by employees in accordance with the regulations for housing consumption expenditures, which belong to individual employees. When an employee retires, the balance of principal and interest is paid in one lump sum and returned to the employee himself.
20 16 year provident fund loan of 300,000 yuan. How much does it cost to repay the loan in May?
Hello, I'm Mark, a real estate professional translator!
The loan term is 30 years, the total repayment amount is 372,907.34 yuan, the interest is 72,907.34 yuan, the loan month is 180 months, and the monthly payment is 207 1.7 1 yuan.
300,000 yuan of common reserve fund will be paid off in fifteen years. How much will it be paid back every month?
300,000 yuan will be paid off in fifteen years, and the monthly repayment amount is 22 19.06 yuan.
How much is the monthly loan of 150 thousand with provident fund for 15 years?
At present, the repayment method of provident fund loans is generally equal principal and interest repayment. At present, the benchmark interest rate of provident fund for more than five years is 3.25%, the loan is 654.38+0.5 million yuan, and the term is 654.38+0.054 yuan. The total repayment is 654.38+0.89720 yuan, of which the total interest is 39720 yuan.
Calculation formula of equal principal and interest repayment
Suppose the loan amount is A, the monthly interest rate is I, the annual interest rate is I, the number of repayment months is N, the monthly repayment amount is B, and the total repayment interest is Y.
1:I= 12×i
2:Y=n×b-a
3. The interest for repayment in the first month is: a× i.
The repayment interest of the second month is [a-(b-a× i) ]× i = (a× i-b )× (1i)1b.
The repayment interest of the third month is {a-(b-a× i)-[b-(a× i-b )× (1i)1-b] }× i = (a× i-b )× (1i).
The repayment interest of the fourth month = (a× I-b )× (1i) 3b.
.....
The repayment interest of the nth month = (a× I-b )× (1I) (n-1) b.
The above sum is: y = (a× I-b )× [(1I) n-1] ÷ in× b.
4. The above two y values are equal.
Average monthly repayment amount: b = a× I× (1I) n ÷ [(1I) n-1]
Pay interest: y = n× a× I× (1I) n ÷ [(1I) n-1]-a.
Total repayment amount: n× a× I× (1I) n ÷ [(1I) n-1]
Note: a b stands for the power of a.
What is the monthly repayment of provident fund loan135,000?
at present
Loan 65,438+300,000 yuan 15 years.
Provident fund, the annual interest rate is 4.5%.
1) Equal principal and interest
994.49 yuan per month
Total interest expense: 49,008.43 yuan.
2) Average capital
The first month 1209.72 yuan, and then it will decrease every month.
The total interest expense is: 44 1 18.75 yuan.
I hope it helps you.
Provident fund loan of 200,000 yuan. What is the principal and interest for fifteen years?
Depends on the interest rate
How much principal and interest should be repaid every day after eight years of provident fund loans?
The monthly payment is 3587 and the interest is 44000.
How much is the commercial loan of 250,000 more than the provident fund loan of 250,000?
Commercial loan 256,5438+05,
If you choose the repayment method of equal principal and interest, you need to pay interest of 143236.28 yuan;
If you choose the repayment method of average capital, you need to pay interest 123494.79 yuan;
Provident fund loans for 256,5438+05 years,
If you choose the repayment method of equal principal and interest, you need to pay interest of 94,246.98 yuan;
If you choose the repayment method of average capital, you need to pay interest of 84,843.75 yuan;
Borrow provident fund 169000, and repay the principal in equal amount for fifteen years. How much is the monthly mortgage?
The interest rate of provident fund loan is 3.87, right?
Interest 49324.76
The total repayment amount is 2 18324.76.
Lend 300,000 yuan to CCB, and pay it off in 15 years. How much should I pay back every month?
Lend 300,000 yuan to CCB, and pay it off in 15 years. How much should I pay back every month?
Matching principal and interest repayment method:
Pay the principal and interest of 2663.055438+07 yuan per month.
Accumulated interest paid 17949.338+0 yuan.
The accumulated repayment amount is 479,349.365,438+0 yuan.
I borrowed RMB 6,543.8+0.5 million from China Construction Bank, and paid it off at RMB 654.38+05. How much should I pay back every month?
Calculated at 15% discount on the interest rate of the first suite.
150000 15 equal principal and interest loan method
Monthly repayment amount 1 190.02
The total repayment amount is 2 1.42 million yuan.
The interest is 64200 yuan
150000 15 average capital lending method
The repayment in the first month is 1464.46, with a monthly decrease of 3.5 1 yuan.
The total repayment amount is 207 1 1,000 yuan.
Interest: 5765438 yuan+00,000 yuan.
I hope I can help you! The answer comes from: Baidu real estate exchange group, so stay tuned!
How much will it cost to pay off the loan every month in 760? Borrowed 76 thousand and paid it off in ten years. How much should I pay back every month?
At first glance, I thought it was a loan of 70,000 yuan, but it was originally a loan of 76,000 yuan paid off in 60 years, 10 years. There are many calculators for monthly repayment on the Internet. You can do it yourself. But you need to know the benchmark interest rate and the loan discount you can get.
How much should the provident fund loan be repaid every month for 40 10 years?
Brother, you have to add interest to work out the monthly money.
You divide each year into 10 years and 12 months, which is 120 months, and then you divide it into 120 months with 40W.
How much will the CCB loan be paid off every month within ten years?
According to the benchmark mortgage interest rate of 6. 15% for more than 5 years, the principal and interest will be repaid in equal amount, with a monthly repayment of 4 135.68 yuan, and the principal will be repaid in equal amount of 4,979.58 yuan in the first month, and the monthly repayment will be less than 15.8 yuan thereafter.
How much should the CCB loan of 300,000 15 be repaid?
Different repayment methods lead to different repayment amounts.
At present, the two most commonly used repayment methods are equal principal and interest repayment method and average capital repayment method.
1.
Matching principal and interest repayment method: that is, the borrower repays the loan principal and interest with the same amount every month. In this way, at the initial stage of repayment, the interest expense is the most, and the principal is relatively small. In the future, with the gradual reduction of monthly interest expenses, the returned principal will gradually increase.
2.
Average capital repayment method, that is, the borrower repays the same amount of loan principal every month, and the interest decreases month by month with the principal, and the monthly repayment amount also decreases month by month.
Summary: Under the condition of the same loan time, the interest paid by the equal principal and interest repayment method is higher than that by the average capital repayment method. Therefore, if you plan to repay in advance, you'd better choose the average capital repayment method. Depending on the repayment method, the borrower can choose to reduce the mortgage loan for this period or reduce the mortgage loan in full.
The post office loan interest rate is 4.8%. How much should I pay back every month after 80 thousand years of loan?
The total loan amount is 80,000, assuming the annual interest rate is 4.80%. The loan term is 65,438+00 years: the monthly repayment of principal and interest is 840.72 yuan, the total repayment is 65,438+000,886.4 yuan, and the interest payable is 20,886.4 yuan. The interest paid in the first month is 320, and the principal paid in the first month is 520.72; The interest paid in the second month is 365,438+07.92 and the principal paid in the second month is 522.8.
240,000 CCB mortgage, how much should I pay back every month for eight years?
1.248 million years, when the commercial loan is paid off, the monthly payment is 3,026.97 yuan, the total interest is 50,588.9 yuan, and the total repayment is 290,588.9 yuan according to the current benchmark interest rate of 4.9.
2. Matching principal and interest refers to a repayment method of a loan, that is, the same amount of loan (including principal and interest) is repaid every month during the repayment period.
3. The formula for calculating the monthly repayment amount of equal principal and interest is as follows:
[loan principal × monthly interest rate ×( 1 monthly interest rate) repayment months ]=[( 1 monthly interest rate) repayment months].
The total house price is 220,000 yuan, the down payment is 90,000 yuan, and the loan from China Construction Bank will be paid back in 0/5 years. How much will it be paid back every month?
The bank loan interest rate is comprehensively evaluated according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. Under the current policy, the first suite is generally calculated according to the benchmark interest rate. After the adjustment on April 6th, the interest rate for more than five years is 6.80%, and the monthly interest rate is 6.80%/ 12.
Monthly repayment13000015 (180 months):
1300006.80%/ 12 ( 16.80%/ 12) 180/[( 16.80%/ 12) 65438.
Description: 180 is the power of 180.
Due to income reasons, one can consider extending the repayment period, and the other is whether the provident fund loan can be used.
Pay off the mortgage of CCB11kloc-0/5. How much should I pay back every month?
Waiting amount for debt service
The total loan amount is 1 10000 yuan.
The total repayment amount is 155547.66 yuan.
Pay interest of 45,547.66 yuan.
The loan period is 180 months.
The monthly repayment is 864. 15 yuan.
This is the end of the introduction of 150 yuan. I wonder if you found the information you need from it?