- How to calculate the interest on buying a house loan? Detailed explanation of the monthly mortgage calculation formula How is the monthly amount of money for buying a house loan calculated? Although it is easy to calculate the mortgage monthly payment through the mortgage calculator, but the buyer is reassured or want to know how to calculate the interest on the mortgage loan, what is the interest calculation formula for bank loans? Explain to you today...
- How do you know the monthly supply changes when you buy a house? How to calculate the mortgage monthly payment? Loans to buy a house, how do buyers know the monthly supply changes? This depends mainly on changes in the benchmark interest rate and the way in which it is repaid. 1. If the loan contract adopts the method of annual interest rate adjustment, the purchaser will not begin to enjoy the new interest rate reduction interest rate after the interest rate cut on January 1 of the following year;
- How to calculate the monthly mortgage? What are the calculation methods? Buying a house loan often refers to the concept of monthly supply. How is the monthly mortgage payment calculated? Mainly divided into formula calculation and mortgage calculator calculation two ways. First, use the formula to calculate the equal amount of principal and interest repayment method: monthly monthly payment = [loan principal monthly interest rate (1 + monthly interest rate) ^ also...
- How is the calculation formula of mortgage interest calculated? There are two payment methods for mortgage: the same amount of principal and interest and the same amount of principal. The specific formula is as follows: Equal principal and interest: [Loan principal interest rate (1+month interest rate)^Repayment month][(1+month interest rate)^Repayment month number- 1) Equal principal: monthly repayment amount = (loan principal...
- When the interest rate of the provident fund loan is lowered, when will the monthly mortgage loan be lowered? In 2015, the central bank cut interest rates five times in a row, and the interest rate of the provident fund loan was reduced by four times. The interest rate of the personal housing provident fund loan for more than five years was reduced from 4.25% at the beginning of last year to the current 3.25%. However, due to the bank’s contract, most of the Buyers need to be in the following year...
Monthly calculation formula for mortgage
1,Equal principal repaymentLaw (the maximum amount of repayment in the first month, and then monthly decrement). The formula for calculating the monthly supply of the equivalent principal law mortgage:
Monthly monthly payment = total loan amount / loan month + total loan amount * monthly interest rate value. Monthly monthly payment = (loan principal, repayment month) + (loan principal - accumulated principal repayment) × monthly interest rate. The monthly repayment of principal = loan principal, repayment month. Monthly interest payable = residual principal × monthly interest rate = (loan principal - accumulated principal amount repaid) × monthly interest rate. Monthly monthly delivery deduction = monthly repayment of principal × monthly interest rate = loan principal, repayment month × monthly interest rate. Total interest = [(Total loan amount, repayment month + total loan amount × monthly interest rate) + total loan amount, repayment month number × (1 + monthly interest rate)] ÷ 2 × repayment month - total loan amount.
Monthly monthly payment = [loan principal × monthly interest rate × (1 + monthly interest rate) ^ repayment month number] ÷ [(1 + monthly interest rate) ^ repayment month number -1]. Monthly interest payable = loan principal × monthly interest rate × [(1 + monthly interest rate) ^ repayment month - (1 + monthly interest rate) ^ (repayment month number -1)] ÷ [(1 + monthly interest rate) ^Repayment months -1]. The monthly principal amount = loan principal × monthly interest rate × (1 + monthly interest rate) ^ (repayment month number -1) ÷ [(1 + monthly interest rate) ^ repayment month number -1]. Total interest = number of repayment months × monthly monthly payment - loan principal.
For example, the commercial mortgage case: the loan principal is 300,000 yuan, and the repayment period is 10 years (that is, 120 months). According to the annual interest rate of 6.55%, the monthly interest rate is about 0.0546%. Substituting the equivalent principal repayment calculation formula, the monthly repayment amount can be calculated as RMB 3341.08.
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