The monthly repayment amount of 300,000 yuan for ten-year bank loan is calculated according to the charging standard of the lending bank. Take Bank of China as an example:
Annual interest rate of loan principal = annual interest rate. 202 1, the annual interest rate of China Bank is 4.75%, the loan is 300,000 yuan, and the annual interest is 14250 yuan. The interest for ten years is 142500 yuan;
Monthly principal repayment: 300,000 yuan/120 = 2,500 yuan;
Monthly interest payable:142500/120 =1187.5 yuan;
The monthly repayment amount is equal to the monthly repayment principal plus the monthly repayment interest: 25001187.5 = 3687.5 yuan.
How much does the bank loan need to be repaid every month for 30 10 years?
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 the monthly payment of 300,000 yuan is calculated as follows:
I. Commercial loans
1, the repayment method of equal principal and interest is 300,000 yuan 10 year, and the monthly payment is 3 167.32 yuan.
2. The average repayment method 10 of the 300,000-yuan mortgage is 3,725 yuan in the first month, and then it will decrease month by month.
Second, provident fund loans.
1, the repayment method of equal principal and interest is 300,000 yuan 10 year, and the monthly payment is 293 1.57 yuan.
2. The repayment method of the average capital of 300,000 yuan is 10, the first monthly payment is 33 12.5 yuan, and then it will decrease month by month.
There are two repayment methods of mortgage: equal principal and interest repayment method and average principal repayment method. Different repayment methods lead to different monthly payments after loan. The calculation method of monthly payment for the two loan methods is as follows:
1, equal principal and interest repayment method = [loan principal × monthly interest rate× (1interest rate) repayment months ]≤[( 1 interest rate) repayment months-1], equal principal and interest repayment means that the principal and interest are the same every month, and the repayment to the bank is the same every month.
2. Average principal repayment method: monthly repayment amount = (loan principal ÷ repayment months) (loan principal-accumulated repaid principal) × monthly interest rate. Matching principal repayment means that the principal repaid every month is unchanged and the interest is decreasing by stages.
300 thousand mortgage, paid off in ten years, how much is it every month?
1.306,5438+paid off the commercial loan in 00. According to the latest benchmark interest rate of 4.9, the monthly payment is 3 167.32 yuan, the total interest is 80,078.62 yuan, and the total repayment is 380,078.62 yuan. 2. The formula for calculating the monthly repayment amount of equal principal and interest is as follows: [loan principal × monthly interest rate ×( 1 interest rate) repayment months ]/[( 1 interest rate) repayment months-1] 3. Those who meet the conditions of provident fund loans can choose provident fund loans because the interest rate of provident fund loans is low.