What's the interest rate of the loan? Calculated at the normal interest rate of 0.75%.
Then the monthly interest is 2100000.75%/12 =1312.5 yuan.
The monthly principal is 210000/15/12 =1166.67 yuan.
Then, you have to add the handling fee for the first installment. First installment 1 166+0438+02.5 handling fee.
The second stage starts from1166.438+036438+02.5 = 2479.438+07.
This money is paid back every month. (2479. 17)
If it's other interest rates, provide the interest rate and I'll help you calculate it.
How much is the monthly payment of 330 thousand in 20 years
The loan is330,000. In 20 years, if the annual interest rate is 5%, a total of 660,000 yuan needs to be repaid. Then your monthly payment is 2750 yuan, just pay it back according to the contract.
1. Personal housing portfolio loan refers to the loan granted to the same borrower to purchase self-occupied ordinary housing based on housing provident fund deposits and credit funds, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans. Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc. Loan amount: 80% of the value of the loanable property after being audited by the bank. Mortgage down payment: 30% down payment for the first home mortgage loan and 50% down payment for the second home mortgage loan.
Loan life: 30 years for first-hand houses and 20 years for second-hand houses. At the same time, the loan period plus the applicant's age must not exceed 70 years old.
Loan interest rate: the benchmark interest rate of the first home loan for more than five years is 6.55%, and the interest rate of the second home loan is 7.26% when the benchmark interest rate rises 1. 1 times.
Second, four credit card repayment methods
While the credit card provides us with convenience, how to make credit card repayment save money and worry is very important. At present, the well-known credit card repayment methods mainly include counter repayment, online banking, self-service terminal transfer repayment, and automatic repayment of agreed accounts.
1, UnionPay is safe and practical online.
The online repayment service of UnionPay means that credit card holders transfer the funds in their debit cards to credit cards through the UnionPay website. In order to ensure the safety of funds, UnionPay online payment requires repayment with the same name, that is, it must be verified by the real names of debit cards and credit cards and confirmed as the same name cards before repayment can be initiated.
At present, some banks have opened the repayment function of the same name. During the promotion period, UnionPay does not charge users inter-bank and inter-regional fees, and can operate directly without opening online banking service at the counter. The maximum monthly credit card repayment limit for cardholders is 20,000 RMB, that is, no matter how many credit cards or debit cards are used, the repayment on this platform cannot exceed 20,000 RMB per month. Due to the different posting time of different credit card centers, the posting time is generally before 12 on the third working day after repayment operation, and it will be postponed in case of weekends and legal holidays. It is understood that only 10 banks can provide real-time feedback at present. Moreover, the transfer and transfer of bank cards are not comprehensive.
2. Fast money supports multiple lines.
Compared with UnionPay Online, the advantage of "quick money" lies in supporting more debit cards and credit cards. Debit cards of the four major banks and 2 1 banks such as Bank of Communications, China Merchants Bank, Minsheng, Xingye and Pudong Development Bank can be transferred, and credit cards of ICBC, Agricultural Bank of China and China Construction Bank can be repaid here. And like UnionPay Online, the online repayment service provided by Kuaiqian does not charge any fees.
For the time of arrival, there are the following repayment methods. Bank of Ningbo arrived in real time, Shanghai Pudong Development Bank T 1, China Merchants Bank, Xingye, China Everbright and Bank of Communications T 1, CITIC T2, ICBC, ABC and CCB T3. I would like to remind you that in case of holidays, the arrival time of the account will generally be delayed, so in order to avoid exceeding the repayment period, it is recommended that you repay the account five days in advance.
It is also understood that "quick money" does not support the repayment method of "credit card to credit card", nor does it support other people's credit card repayment.
3. Alipay is fashionable and convenient
There are three ways to repay the credit card on Alipay: online banking on Alipay platform, Alipay cartoon and withdrawing the balance, in which withdrawing the balance to Alipay account can be used for repayment. At present, this business is free. It should be noted that you can also repay others' credit cards through online banking, and you can only repay yourself through cartoons or cash withdrawals, but you can't repay others. At present, Alipay does not support "credit card repayment" for the time being, and all the transaction funds for credit card repayment will be returned to the original card within 3 ~ 5 working days. Among several banks that can repay credit cards with Alipay accounts, China Merchants Bank can receive the accounts in one day, GDB, ICBC and Bank of Communications can receive the accounts in two days, and the time for online account inquiry will be delayed by one day.
In addition, in terms of security, Alipay launched a digital security certificate to share with banks. However, these security measures also have their own shortcomings. For example, the use of digital certificates is not particularly convenient and needs to be downloaded and installed. Generally speaking, it is aimed at fixed computers and only suitable for high-end users.
4. "Lacarra" anytime and anywhere
To use Lacarra to repay the loan, you only need to swipe any debit card with the UnionPay logo at the outlet equipped with Lacarra equipment to transfer money to the credit card. These outlets are generally located in supermarkets, pharmacies and convenience stores. After repayment, the credit line will be resumed within three working days at the latest, but the regulations of each bank are different. For example, China Merchants Bank and China Everbright need to make repayment three working days before the due repayment date, Agricultural Bank of China and Bank of China need to make repayment two working days before the due repayment date, and Guangfa needs to make repayment one working day before the due repayment date, otherwise the bank will charge a late fee, and Industrial Credit Card supports repayment at any time. Therefore, it is best to complete the repayment three working days before the final repayment date. There is no handling fee for repayment through Lacarra, and there is no handling fee for repayment of debit cards and credit cards from different banks.
1.20,000. The monthly average capital is 30 years. How much will it cost to pay it back in one lump sum after 7 years?
The loan is 6,543,800 yuan+0.2 million yuan, and the principal is repaid in equal amount, with a monthly payment of 30 years, if it is paid in one lump sum after 7 years. Then it belongs to prepayment. You paid back the principal of 280 thousand in seven years. As long as you pay the liquidated damages, you can pay the remaining principal of 920,000 yuan in one lump sum.
Early repayment requires payment of liquidated damages.
1. Default penalty for prepayment of mortgage loan of China Merchants Bank: If prepayment is less than one year, interest will be charged for at least three months, and if prepayment is over one year, interest will be charged for at least one month.
Two. Liquidated damages for prepayment of CCB mortgage loan: If prepayment is less than one year, the liquidated damages will be charged at 3% of prepayment amount. If the loan is repaid in advance for one to two years, 2% of the prepayment amount will be charged. The loan is repaid in advance for two to three years, and one percent of the prepayment amount is charged.
3. Default penalty for prepayment of mortgage loan of Agricultural Bank of China: If prepayment is less than one year, it will be charged according to the principal multiplied by the monthly interest rate, that is, the loan interest rate divided by 12 months minus the number of repayment months. Repay the loan in advance after one year, as long as there is no record of prepayment before, there will be no penalty. If the repayment has been made in advance, the applicant will not be fined if he applies again one year later.
Four. Liquidated damages for prepayment of ICBC mortgage: If prepayment is less than one year, 5% of prepayment amount will be charged as liquidated damages. If the loan is repaid in advance after one year, no penalty will be charged.
5. Default penalty for prepayment of domestic bank mortgage: If prepayment is less than one year, penalty interest of up to six months will be charged (calculated according to the loan interest rate on the prepayment date). If the loan is repaid in advance after one year, no penalty will be charged.
Liquidated damages for prepayment of bank of communications mortgage: when prepayment of mortgage, the minimum amount of partial prepayment shall not be less than 6 times of the monthly repayment amount, and the maximum amount shall not exceed 35% of the monthly repayment amount. Some advance payments can be paid back once a year for free. All prepayments are subject to liquidated damages, and 65438+ 0% of the current repayment amount is charged. However, the specific repayment amount needs to be implemented in accordance with the contract.
Seven. Penalty for prepayment of Guangfa Bank: If prepayment is less than one year, two months' interest will be added as penalty. Repay the loan in advance after one year without any penalty.
Eight. Liquidated damages for early repayment of mortgage of China Everbright Bank: If the mortgage is repaid in advance for less than one year, 3%~6% interest will be charged as liquidated damages, which shall be implemented in accordance with the contract. Repay the loan in advance after one year without any penalty.
Nine, Shanghai Pudong Development Bank mortgage prepayment penalty: when the mortgage is repaid in advance, the prepayment is less than one year, and the charge is 1. 5% or 3% different interest, some don't charge liquidated damages, as stipulated in the contract. Repay the loan in advance after one year without any penalty.
How to calculate the loan interest rate of Shanghai Pudong Development Bank?
If the specific answer needs your data, let me give an example for comparison. The loan is 200,000 yuan with a term of 20 years. If you are a first-hand house, you can now enjoy a 15% discount, and the interest rate will be reduced by 15%, that is, the annual interest rate will be 5.049. If equal principal and interest are selected, the monthly repayment is 1, 325.33 yuan, and the total interest is 1, 65438+.
If you choose the average capital, you will pay 1674.83 yuan in the first month, and then it will decrease month by month, and 836.84 yuan in the last month. The total interest is 10 1400.75 yuan, so the total repayment is 30 1400.75 yuan.
If it is a second house, the interest rate will go up 10% and the annual interest rate is 6.534, then the repayment amount and total amount will change. The average capital is affordable, but the monthly repayment amount is different. The bank will make a repayment plan for you then. You can make repayment according to this, but you must remember the date and repayment amount clearly, thinking that the amount is different every month. If the principal and interest are equal, the interest will be more, but the monthly repayment amount is fixed, and you only need to know when it will be paid back. You can refer to it and choose for yourself.
How much does Shanghai Pudong Development Bank borrow every month to buy a second apartment for 570 thousand 30 years?
To accurately calculate the monthly repayment amount, we need loan interest rate, repayment method, loan amount, loan term and other factors. You can enter relevant information through the loan calculator for calculation.
How to calculate the integral loan interest rate of Shanghai Pudong Development Bank?
1) Standard formula for calculating loan interest:
Loan interest of the current month = monthly interest rate of the remaining principal loan of the previous month;
Principal paid in the current month = repayment amount in the current month-loan interest in the current month;
Remaining principal of last month = total loan-accumulated principal repayment;
2) So, how to calculate the loan interest?
Below we can according to a practical example to illustrate:
If borrower A borrows RMB 654.38+million from XX Bank for three years, the monthly loan interest rate is 0.5 125% based on the latest loan interest rate of 20 13 (the current annual interest rate of three-year loans is 6. 15%). So,
First month loan interest =100000.5125% = 512.5;
Principal paid in the first month = repayment amount in the first month (depending on repayment method)-521.5;
Residual principal in the first month = 100000- (repayment amount in the first month-521.5);
Second month loan interest = {10000- (first month repayment amount -52 1.5)}0.5 125%.