A, mortgage 310,000 30 years to pay off a **** still how much money

Currently announced by the People's Bank of 5-30 years (including 30 years) loan interest rate per annum is 4.9%, according to the prime rate of interest rate trial, in the case of interest rates remain unchanged, the use of equal principal and interest repayment repayment, repayment of the total amount of 190,039.31 yuan, using the equal amount of The total amount of repayment is $187,056.25 using the equal principal repayment method.

If you are ready to apply for a loan with China Merchants Bank, the interest rate will need to be priced based on a combination of the type of business you are applying for, your credit status, the type of guarantee and other factors, and will only be determined after approval by the branch.

Secondly, how much do you need to pay back per month for a CCB home loan of 310,000 for 30 years with an effective interest rate of 6.22?

Annual interest rate of 6.22%, equal principal and interest repayment method of calculation, the monthly interest rate of 6.22%/12, 310,000, 30 years (360 months):

Monthly repayment = 310,0006.22%/12(16.22%/12)^360/((16.22%/12)^360-1) = 1902.68

Total interest = 1902.68360-310,000 = 374,964.80

Note: ^360 is the 360th power

Three, how much is the monthly payment for a mortgage of $310,000 for 30 years with equal principal?

Equal principal and interest formula: monthly repayment amount = principal monthly interest rate (1 month interest rate) number of months of the loan / (1 month interest rate) number of months of repayment - 1

Monthly interest rate = annualized interest rate / 12

1, 300,000 yuan divided into 30 years, if calculated in accordance with the annual interest rate of the loan LPR 4.60%, the interest total ***253, 655.92 yuan, the total repayment of 553,655.92 yuan, each monthly payment of 1,537.93 yuan.

2, 300,000 yuan divided into 30 years, if calculated in accordance with the loan interest rate of 4.9% per annum, the total interest *** 273,184.86 yuan, the total repayment of 573,184.86 yuan, each monthly payment of 1,592.18 yuan.

Four, mortgage 450,000, 20-year term, equal principal, how much is the monthly payment?

Mortgage 450,000, mortgage term 20, equal principal repayment method, according to the current People's Bank of China announced the benchmark annual interest rate for loans: five to thirty years of the annual interest rate of 4.90%, calculated on the basis of the annual interest rate, the amount of the monthly payment: as follows

The first year: (December Ming

January,3712.5 (yuan) February,

March Month,3697.19($)April,3689.53($)

May,3681.88($)June,3674.22($)

July,3666.56($)August,3658.91($)

September,3651.25($)October,3

November. 3635.94($)December,3628.28($)

Final year:(12-month breakdown)

229,1966.88($)230,1959.22($)

231,1951.56($)232,1943.91($)

233. 1936.25($)234Month,1928.5

235Month,1920.94($)236Month,1913.28($)

237Month,1905.63($)238Month,1897.97($)

239Month,1890.31($)240Month,1882.66< /p>

Paying off the 240th month, 240 months of monthly payment details all out, look also dazzling, just typed out the first 12 months and the last 12 months of the details.

Note: The various regions of the bank loans may be more likely to be in the central bank base rate of 10% or so, please understand in detail the location of the purchase of the bank interest rate shall prevail, after understanding can also be sure that the first time to answer the reply.

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Equal principal is in the repayment period of the loan number of the total number of equal points, and the remaining loan in the month of interest, so that due to the monthly repayment of the principal amount of a fixed, and the interest is getting less and less, the borrower initially repayment pressure is greater, but over time the number of monthly repayments is also getting less and less.

This approach has both advantages and disadvantages: the advantage is that the interest is relatively small, suitable for early repayment of the crowd, but there are also disadvantages, the choice of this repayment method, before and after the pressure is small.

The following to calculate, equal principal, each month's monthly payments

But the subject did not mention the interest rate, and now many places will have interest rates up, some places up 5%, but also some places up 10%, 20% or even 30%, we counted one by one

Base rate:

Base rate 5%:

Base rate:

Base rate:

Base rate:

Base rate up 10%:

Base rate up 20%:

Base rate up 30%:

The subject can be numbered according to their own situation

Currently the national real estate mortgage rates, except for provident funds, basically all up. Most of them are now down at around 10%. Base you are prime rate up 10%, that is: calculate:

Loan 450,000, interest rate 5.39, 20 years equal principal:

Counting

1 "equal principal: monthly payment is 38.20 years of interest is: 24.35 million.

2》Equal principal and interest: monthly payment is 3067.20 years million.

Compare this with the equivalent principal over the equivalent principal and interest monthly payment is about 800 more than the equivalent principal and interest is about 40,000 less.

Suggestion: or equal principal and interest repayment

The above is a personal opinion, for reference only!

Title:

Now a lot of people in the repayment of mortgage actually do not count, the bank or supplier recommended what repayment method, on what repayment method, in fact, this is completely wrong, must be based on their own existing ability to pay back the loan, so that it is the most appropriate, a lot of people say that they have to take into account what the inflation of anything, for those of us who were originally the down payment with the Borrowing for those of us who have to use the down payment, it is unwise to consider inflation

Conclusion:

Home loan of 450,000 yuan, 20-year term, equal principal, according to the current CPF interest rate of 3.25% and commercial loan interest rate of 4.9%, CPF loan first month to pay back 3,094 yuan, a monthly decrease of 5.08 yuan, the last month of the last month of the 1,880 yuan of commercial loans the first month of the first month of the first month of the first month of the first month to pay back 3,713 yuan, a monthly decrease of 7.66 yuan, the last month also 1883 yuan

Currently the mainstream of the bank's interest-bearing methods are mainly equal principal and equal principal and interest two kinds of interest, equal principal and interest is the bad businessmen's interest-bearing methods, we do not consider

1, equal principal and interest:

Monthly monthly payment = [loan principal × monthly interest rate × (1 month interest rate) ^ repayment of the number of months] ÷ [(1 month interest rate) ^ repayment Months-1]

Monthly interest = Loan principal x Monthly interest rate x [(January interest rate)^Months of repayment - (January interest rate)^(Repayment month number-1)]÷[(January interest rate)^Months of repayment-1]

Monthly principal = Loan principal x Monthly interest rate x (January interest rate)^(Repayment month number-1)÷[(January interest rate)^Months of repayment-1]

Monthly interest = Loan principal x Monthly interest rate x (January interest rate)^(Repayment month number-1))÷[(January interest rate)^Months of repayment-1]

Total interest = Monthly interest = Monthly interest rate x Monthly interest rate x Monthly interest rate x Monthly interest rate x Monthly interest rate x (January interest rate)^Month of repayment - (January interest rate)^Month of repayment -1]

Total interest=Number of months of repayment×Monthly repayment amount-Loan principal

2. Equal principal:

Monthly repayment amount=(Loan principal÷Number of months of repayment)(Loan principal-accumulated amount of returned principal)×Monthly rate

Monthly repayment amount=Loan principal÷Number of months of repaymentMonthly repayment amount=Remaining principal×Monthly interest=(Loan principal-accumulated amount of returned principal)×Monthly interest=(Loan principal-accumulated amount of returned principal)×Monthly interest=(Loan principal-accumulated amount of returned principal)×Monthly interest=(Loan principal) Accumulated principal amount) × monthly interest rate

Decreasing monthly payment = Monthly repayable principal amount × monthly interest rate = Loan principal ÷ number of months of repayment × monthly interest rate Total interest = Number of months of repayment × (Total loan amount × monthly interest rate - monthly interest rate × (Total loan amount ÷ number of months of repayment) (number of months of repayment-1) ÷ 2 Total loan amount ÷ number of months of repayment) Monthly interest rate = Annualized percentage rate (APR) ÷ 12

15^4 = 15 × 15 × 15 × 15 (4 times 15, that is, 4 15 multiplied by the meaning)

Understanding the relevant rules, just in the choice of time not to be bad sales fool you, but how to choose or according to their own reality to make a choice, do not be too strong.

Equal principal repayment is the principal portion remains the same, the interest portion is constantly decreasing, that is, there is no specific monthly payment, the monthly payment is a gradual process of decreasing (the prime rate of interest remains unchanged).

The more important point is that the title text does not provide a specific mortgage interest rate, the pressure is not able to calculate the monthly payment, even if it is equal principal and interest. We all talk about the mortgage rate of 4.9%, that is only the prime rate for more than five years, the user-specific loan rate is not equal to the prime rate of the loan.

The current mortgage rates generally appear to be up, that is, on the basis of 4.9%, for example, up 20%, then the mortgage rate will be 4.9% 120% = 5.88%. Each lender due to regional, commercial banks and personal credit different, mortgage interest rates there are large differences, can not be generalized to think that the mortgage interest rate is more than five years of the benchmark interest rate of the loan.

If the mortgage rate is 4.9%, then this year's monthly payment is as shown above, and the monthly payment is decreasing month by month. But it doesn't have to go on forever, because mortgage rates are usually variable, following the prime rate.

If there is an interest rate hike this year, the benchmark interest rate for loans of more than five years from the current 4.9% to 5.5%, then the mortgage rate is usually adjusted to 5.5% from January 1 next year, that is, there is a monthly payment in January next year is higher than the monthly payment in December this year.

In short, the mortgage calculator calculations are for reference only, it is only to the current mortgage benchmark interest rate estimate results, and does not represent the actual future required to return the principal and interest.

Seeing that many of my friends have given reasonable answers, then I will teach you how to calculate your own monthly mortgage payment! First of all, go to the major application market to download the mortgage calculator, the calculator also has many versions, but almost all the same.

Tap it and go to the home page, enter the amount you want to loan 450,000, 20 years, the prime rate of the loan is 4.9, but now there is a general upward fluctuation, 10% is 5.39, 20% is 5.88, 30% is 6.37, 40% is 6.86, according to the upward fluctuation ratio given by the bank to calculate.

After these are filled in click on Calculate and the calculation will appear with a detailed answer, we can see that the first month's monthly payment of $3713.5 consists of $1,875 in principal and $1,837 in interest, decreasing by about $7/8 per month! When you do the math turn to the last page and find that the monthly payment is less than $2,000.

CPF Loan

Loan 450,000, interest rate 3.25%, 20 years, the first monthly repayment of 3093.75, decreasing by 5.08 per month, until paid off 20 years.

Commercial loan

Loan 450,000, interest rate of 4.9%, 20 years, the first month of repayment of 3712.5, decreasing by 7.66 per month, until the repayment of 20 years.

Provident fund loans relative to commercial loans, the interest rate is lower, the monthly repayment of nearly 600 less, if the developer supports the use of provident fund, you also meet the provisions of provident fund loans, it is recommended that you use provident fund loans.

If you can't borrow so much money from your monthly CPF loan, you can also use a combination loan, where the monthly repayment amount is between the CPF loan and the commercial loan, so I hope this can help you.

Yesterday, the postal bank just signed, 450,000 loan 30 years to pay off, interest rate 5.88 kindly help calculate how much per month