I can answer you simply and rudely, the interest for one month is about 0.006, and the interest for one year is about 0.072. After all, amateurs watch the excitement, while experts watch the doorway. This statement is actually reasonable, because, in the final analysis, banks also have to make money. It should be clearly understood that although the current benchmark interest rate from one year (excluding) to three years (including) is only 4.75%, the converted monthly interest rate is less than 4%, except for mortgage, the mortgage interest rate of most banks has risen by at least 40%.

1. What is equal interest? In our life, we often hear or see the propaganda of various loans, such as monthly interest rate, annual interest rate, annualized interest rate or installment interest rate. Maybe many people have no idea what kind of loans will exist. Then I'm here to tell you that the usual online loans, partial credit loans, and cash installment or bill installment of credit cards, like this kind of loans, are basically this repayment method, which is what we call equal interest. ?

Second, first understand what is interest? That is, the annual interest rate is above 6.65% and the monthly interest rate is 5.54%. Many people may not understand why credit loans only need 4.5%. Take the interest settlement of monthly due repayment as an example: if you personally borrow 6,543,800,000 yuan for two years, as mentioned above, the monthly interest rate is 4.5% and the annual interest rate is 5.4%, then we need to pay a total interest of 654.38+00,800, but you don't need to repay the principal every month.

Third, what is average capital? Take the average capital as an example: if you borrow 654.38+10,000 yuan for two years, and the monthly interest rate is 4.5% and the annual interest rate is 5.4%, then the total interest you need to pay is only about 6,040, but the monthly principal you need to repay is 4 167. Normal people should basically learn from this ratio, especially the small partners who are considering the mortgage problem now. After listening to this explanation,