Seek the best mortgage scheme

1. Equal principal and interest method: the total repayment amount is1010826.17 yuan, and the monthly repayment amount is 42 1 1.78 yuan; The loan is 25 years, and the total repayment amount is1132416.95438+0 yuan, and the monthly repayment amount is 3,774.72 yuan; The loan is 30 years, the total repayment amount is 1260726.89 yuan, and the monthly repayment amount is 3502.02 yuan.

2. Average capital method: the loan lasts for 20 years, and the total repayment amount is 94,4931.25 yuan, and the maximum repayment amount is 5,362.5 yuan in the first month, and then the monthly repayment amount is reduced by about 12 yuan; After 25 years of loan, the total repayment amount is 1030806.25 yuan, and the highest repayment amount is 4,862.5 yuan in the first month, and then the monthly repayment is reduced by about 10 yuan; The loan lasts for 30 years, and the total repayment amount is1161.25 yuan. The maximum repayment in the first month is 4,529.438+07 yuan, and then the monthly repayment is reduced by about 8 yuan.

The above calculation methods are all calculated according to the benchmark interest rate (because it is not clear whether you can get a preferential interest rate in the case of buying a house). To sum up, it can be seen that the total repayment amount of the average capital method is relatively small, but the disadvantage is that the initial repayment amount is large, which exceeds your budget, and I am afraid it is a bit unbearable. Although the equal principal and interest method is not as small as the repayment amount, the greater the interest ratio at the beginning of mortgage repayment, the more inappropriate this method is if you want to repay in advance.

Please choose the mortgage scheme that suits you according to the above situation.

I calculate and type so much, I hope to adopt it.