1. A loan of RMB 20,000 for three years with a monthly payment of RMB 800. How much is the interest?
Currently, the annual interest rate for loans over 3 years announced by the People’s Bank of China is 4.75%. Based on the trial calculation of the benchmark interest rate, if the interest rate remains unchanged and the "equal principal and interest repayment" method is used for repayment, the total interest is 4494.97 yuan, and the monthly repayment amount is 1791.53 yuan.
2. How much is the monthly payment of 20,000 yuan in three-year installments?
597.18 yuan, equal principal and interest method: When the loan principal is 20,000, assuming the annual interest rate is 4.750%, and the loan term is 3 years, then the monthly principal and interest repayment amount is 597.18 yuan, and the total repayment The amount is: 21,498.48 yuan, ***interest payable: 1,498.48 yuan. The first month’s interest payment is: 79.17; the first month’s principal payment is: 518.01; thereafter, the monthly interest payment decreases and the principal payment increases
3. The down payment for a 90,000 car is 2 How much is the three-year installment of 10,000 yuan?
Based on 30% of the down payment, the total amount is 27,000 yuan, and the loan is 63,000 yuan. Loans are in units of RMB 10,000, with zeros removed, and the maximum loan amount is RMB 60,000. The down payment is:
30% of the car price 3,000 yuan = 30,000 yuan
Purchase tax 90,000/1.1710% = 7,692 yuan
Insurance, miscellaneous fees for registration, vehicle and boat use Taxes etc. are about 5,000 yuan.
The total down payment is: around 43,700.
The loan is calculated based on a three-year term, with a bank loan base interest rate of 6.75%, equal principal and interest repayment, and a monthly payment of more than 1,800 yuan. The actual loan interest rate of each bank shall prevail, which generally exceeds the benchmark interest rate, and the monthly payment is estimated to be more than 2,000 yuan.
You can choose, credit card installment payment, generally charge a handling fee of about 8.5%, a one-time payment of 5,000 yuan, and 600 million yuan to be repaid in 36 equal installments, each installment is 1,666.7 yuan. This is probably the cheapest installment plan.
4. How much is the monthly installment payment of RMB 220,000 in three years?
220,000 in three-year installments. First of all, the interest on a 220,000 loan is about 1,100 a month. The installment is three years, 36 installments, 220,000÷36=6111.111111. The interest on the principal of 61111100 means that the payment is about 7111.