This is calculated for a friend who has a loan of 50,000. Just multiply it by 2:

1. Commercial loan: The 5-year annual interest rate is 5.76. Generally, commercial loans have The floating interest rate is calculated based on the floating rate of 50: the monthly interest is 50,000×5.76×1.5/12=360 yuan/month, and the total interest is 21,600 yuan. Commercial loans generally require monthly interest payments and principal repayment at maturity. Converted into monthly principal: 50,000/12/5=833.33 yuan. Add up to 833.33 360 = 1193.33 yuan/month. (The normal calculation of commercial loan interest is based on the number of days)

2. Mortgage loan: According to the relevant national regulations on December 23, 2008, the principal and interest repayment amount after a 30% discount is 921.50 yuan, and the total repayment amount is 921.50 yuan. 55,290 yuan, with interest of 5,290 yuan.

It can be seen that there is a big gap between mortgage loan interest and commercial loan interest. The increase of 50% is still the increase in urban areas. In rural areas, the increase is even higher, and the more interest is borne.