The customer borrows 100,000 annualized 4 5, and the monthly payment for 3 years is how to calculate

If you are planning to take out a loan through China Merchants Bank: specific monthly payment.

You also need to look at the interest rate, term and repayment method of your loan, which can be done through the official website of China Merchants Bank or mobile banking.

Mobile Banking: Log in to Mobile Banking, click My - All - Assistant - Financial Calculator - Loan Calculator Mortgage Loan Calculator (Tips: You can choose different repayment methods to calculate the loan principal and interest);

China Merchants Bank homepage: After logging in to the homepage of OneNetcom, select [Financial Instruments] in the middle of the page.

Personal Loan Calculator] can be used to calculate the monthly loan payment.

If it's an annualized interest rate.

Then you can use a mortgage calculator instead of calculating the monthly payment result.

If it's an annual percentage rate.

The monthly payment is yuan.

Annual interest rate, monthly interest rate, 100,000, 36 months, calculated on the basis of equal principal and interest (the same monthly repayment):

Monthly repayment = 100,000* (1+RMB.)

Total Interest = Description: 36 to the power of 36.

100,000 divided by 36 installments = principal amount of 2,777

Annualized, 100,000 450 interest per year.

Monthly payment 2777 + 450 = 3227

Let's say it's an "equal principal and interest" repayment method.

Annual interest rate = , monthly interest rate = annual interest rate 12=

Formula] Monthly repayment amount = loan amount * monthly interest rate [1 - (1 + monthly interest rate) - number of months of repayment] monthly repayment amount = 100,000*

Monthly repayment amount = 2, RMB.

Total repayment = 107, RMB.

Total interest = 7, yuan.

Result: Under hypothetical conditions, the loan is repaid 2,000 yuan per month; Total repayment = 107, RMB. Total interest = 7, yuan.

Your interest is very low, monthly interest: 500,000 8% 12=333, principal: 500,000 36=13888 monthly repayment: principal + interest = 14221 yuan. Thank you for adopting.

Monthly interest: 500,000 8% 12=333, principal: 500,000 36=13888 monthly repayment: principal + interest = 14221 yuan.

Further information: The latest benchmark interest rate of bank loans: 0-6 months (including June) loan annual rate is, June - 1 year (including 1 year) is, 1 year - 3 years (including 3 years) is, 3 years - 5 years (including 5 years) is, 5 years - 30 years (including 30 years) is. On this basis, there will be an appropriate downward or upward float.

1. How to convert the loan interest rate?

The loan interest rate is based on the benchmark loan interest rate given by the People's Bank of China, and fluctuates up and down on the basis of the benchmark interest rate. The bank interest rate is the execution rate, and the execution interest rate varies from bank to bank for different loan types and loan terms. Strike Rate = Base Rate (1 + Interest Rate Float).

The float ranges between percentage points.

2. What are the requirements for a personal loan?

When applying for a personal loan, the bank will review your personal qualifications and the authenticity of all aspects of the information. Specific conditions: the borrower's own ID card, which is mandatory.

Good credit record. Proof of personal qualifications and financial resources, for example, if the person has a full-payment vehicle in his name, then he can make a vehicle mortgage loan from the bank, or he can make a credit loan; If the borrower has a full-payment property in his name, then he can apply for a mortgage loan; In addition to this, there are many types of loans. The purpose of borrowing, because the Insurance Regulatory Commission stipulates that all loan funds cannot be used for **, financial management, house purchase, etc., so there must be a formal purpose of borrowing, and the bank can lend to you.

It is also the most important point, that is, a good willingness to repay, and the ability to repay, from the bank loan, all the direction of the bank's investigation, will eventually point to the customer's ability to repay, and the willingness to repay, if the customer has no willingness to repay, or has no ability to repay, the bank will not lend you the money.

Now this social loan is a common thing for the people, whether it is to buy a house, buy a car, do business or personal consumption loans, in short, loans are common in people's lives, and what conditions and procedures are required for personal loans have a lot to do with personal circumstances.

8 centimeters high, here is more appropriate.

Which repayment method do you have? Equal principal and interest or interest before principal.

Summary. If the annual interest rate is calculated as 10,000 yuan, then the interest earned in a year is 10,000 yuan*yuan. The annual interest rate refers to the interest rate of the deposit for one year, and the ratio of the interest amount to the principal amount of the deposit or loan for a certain period of time. Annual interest rate = monthly interest rate * 12 = day.

Dear, I've received your question. Documentation is being compiled. This will take some time, so I hope you will be patient for about five minutes.

If the annual interest rate is calculated at 10,000 yuan, then the interest earned in a year is 10,000 yuan * yuan. The annual interest rate refers to the interest rate of the deposit for one year, and the ratio of the interest amount to the hidden principal of the deposit or the principal of the loan for a certain period of time. Annual interest rate = monthly interest rate * 12 = day.

1 million is 40,500 yuan with interest.

The monthly interest is 3,375 yuan.

1. Xunfeng's annualized interest rate, loan of 300,000 yuan for 10 years, one-time repayment of principal and interest, and the interest of the bureau is 300,000 yuan. 2. Through the calculation of the mortgage calculator, it is known that the equal principal and interest repayment, the total interest payment of 10,000 yuan, the monthly payment of 10,000 yuan, and the total amount of principal and interest repayment Tongchang digging 10,000 yuan.

If it is a one-time repayment of principal and interest at the end of three years, the total interest is 10*10000 yuan.

The amount of interest depends on three factors: the principal, the tenor, and the level of the interest rate.

The formula for calculating interest is: interest = principal interest rate deposit period.

If you take out a loan through China Merchants Bank, the specific monthly payment also depends on your loan execution interest rate, repayment method, etc., which can be calculated through the official website of China Merchants Bank or mobile banking, and the trial calculation results are for reference only.

Mobile Banking: Log in to Mobile Banking, click My - All - Assistant - Financial Calculator - Loan Calculator;

China Merchants Bank Homepage: Home MiddleFinancial Instruments - Personal Loan Calculator.

Enter information such as the loan amount, annual interest rate, loan term, and repayment method selected, and try to calculate the monthly loan payment amount and interest.

Summary. 8% per annum, 8% per month 12, per month, interest totaling 10,000 yuan.

Repayment amount per instalment [Principal of borrowing, monthly interest rate (1 month interest rate) Number of repayment periods] [1 month interest rate] Number of repayment periods 1].

Loan of 200,000, annualized 8%, four-year term, how much to repay each month, the specific calculation process.

The annual interest rate is 8%, the monthly interest rate is 8% 12, and the interest is 10,000 per month, and the total amount of interest is 10,000 per installment [loan principal monthly interest rate (1 month interest rate) repayment period silver volt] [1 blind monthly interest rate] repayment period 1].

I would like to know the detailed calculation process for the specific figures.

Repayment amount per installment [Loan principal Monthly interest rate (1 month interest rate) Number of repayment periods] [1 month interest rate hunger] Number of repayment periods 1] Can this formula be written down in numbers, I want to know the detailed number calculation process.

Hold on. Good.

200,000 multiplied by (1+.)

The slash represents multiply or divide.

is divided by. There are other algorithms, first get a year's interest, which is 8% of 200,000, which is 16,000, a total of four years, the liquid chain is multiplied by 4, which is the total early interest, and then add your capital of 200,000 to get the total amount of repayment, divided by 48 (4 years, a total of 48 months), that is, every month there is a lack of grandchildren.

I'm talking about the other way, all the same. Good. ok

Equal principal and interest method:

Loan principal: 100,000, assumed annual interest rate:

Loan term: 3 years: The monthly repayment principal and interest payable is:

The total repayment amount with principal and interest is: Yuan, total interest payable: Yuan.

The interest repayment for the first month is: 380; The first month of principal repayment is: ; After that, the monthly interest repayment amount decreases and the principal repayment increases.

In fact, from the bank's point of view, your repayment method is to use the equal principal and interest repayment method.

The actual operation: the bank divides the annual interest rate given to you by 12 to get a one-month interest rate, and then multiplies the loan amount by this month's interest rate to get a first month's interest, and subtracts this interest from the monthly repayment amount, which is the principal amount you have repaid in the first month.

Use the loan amount minus the principal amount you have repaid in the first month as the loan balance in the first month, wait until the second month, multiply the loan balance by the monthly interest rate to get a second month's interest, and then use the repayment amount minus the interest in the second month, that is, the principal amount you have repaid in the second month, and use the first month minus the principal amount you have repaid in the second month as the loan balance in the second month.

This cycle lasts until the last repayment, which is just enough to pay off the balance and interest of the loan from the bank.

Equal principal and interest method:

Loan principal: 100000, assumed annual interest rate: , loan term:

3 years: The monthly repayment amount of principal and interest payable is: RMB, the total repayment amount with principal and interest is:

Yuan, total interest payable: Yuan. The interest repayment for the first month is:

380 ；The first month of principal repayment is: ; After that, the monthly interest repayment amount decreases and the principal repayment increases. (Interim interest rate adjustments are not taken into account).

Equal principal and interest formula (n is the number of months): monthly repayment amount = loan principal * monthly interest rate * [(1 + monthly interest rate) n] [1 + monthly interest rate) n-1].

Summary. Hello dear, glad to answer for you. If the loan is 100,000 with a three-year term and an annual interest rate, then the interest is 100,000 3

Dear, hello, Chao Yu is very happy to answer for Jane to accompany you. If the loan is 100,000 yuan, the three-year term is blocked, and the interest rate is 100,000 3

Pro, interest is the use of money in a certain period of time, which refers to the remuneration received by the holder of the currency (creditor) from the borrower (debtor) for lending the currency or monetary capital. It includes deposit interest, loan interest and sharp interest on various bonds. Under capitalism, the source of interest is the surplus value created by wage workers.

The essence of interest is a special form of transformation of surplus value, which is part of the profit.

Loans, which means that banks, credit cooperatives and other institutions lend money to units or individuals who use the money, and generally stipulate the interest and repayment date. Loans in a broad sense refer to the general term for loans, discounts, overdrafts and other lending funds. By lending money and monetary funds to the bank, the bank can satisfy the needs of society for supplementary funds for expanding reproduction and promote economic development.

You can contact me to explain the specific situation in detail, and we will provide you with more accurate advice and assistance according to your situation.