Xiao Wang recently bought a new house, with a total loan of 6.5438+0 million, with a down payment of 20%, and the rest are provident fund loans, with a loan interest rate of.

It is suggested that Xiao Wang use the equal principal and interest repayment method. It is expected that the situation will get better and better in the future, and he can repay in advance at an appropriate time.

If equal principal and interest repayment is adopted, the commercial loan of 600,000 yuan will be paid off in May 20 12 in 240 months (20 years) and then in April 2032; According to the adjustment and fluctuation of the national benchmark interest rate and the following information provided by you, the total loan interest paid in these 240 months is 43 1660.72 yuan;

From May 20 12, the monthly contribution will be 4,298.59 yuan at the annual interest rate of 6% until April 2032; During this period, the total monthly payment was 103 1660.72 yuan, and all the loans were paid off.

If the average capital is used for repayment, the commercial loan of 600,000 yuan will be repaid in May 20 12 for 240 months (20 years) and then in April 2032; According to the adjustment and fluctuation of the national benchmark interest rate and the following information provided by you, the loan interest has been paid 36 1.500 yuan in 240 months;

From May 20 12, calculated at the annual interest rate of 6%, until April 2032, the contribution in the first month is 5,500 yuan, with a monthly decrease of 12.5 yuan; During this period, the monthly payment totaled 9665438 yuan +0500 yuan, and all the loans were paid off.