China Bank commercial housing loan, 90,000 yuan, 15 years, the original monthly interest rate is 792, how much should it be repaid every month?

At present, the new benchmark interest rate for loans over five years is 6. 14%. After a 10% discount, the monthly interest rate is 6.14% * 0.9/125,000, and the monthly repayment amount is:

500000 * 6. 14% * 0.9/ 12 * ( 1+6. 14% * 0.9/ 12) 360/[( 1+6.65438)

Total interest: 2847.11* 360-500000 = 524959.6.

Description: 360 is the power of 360.

If you have borrowed money:

1. After the interest rate increase, the new interest rate will be applied to the loan, and the monthly repayment amount will increase. The original discount remains unchanged, only at the new interest rate. If the original discount is 30%, there are:

Original loan interest rate: 5.94%*90%

Current loan interest rate: 6. 14%*90%

You can use these data to give you a calculator to calculate relevant data in the future.

The monthly repayment is increased by about 55 yuan.

As for when to start, it depends on the bank and the loan contract.

Loan interest is calculated at floating interest rate. After the adjustment of bank loan interest rate, the interest rate level of loan interest calculation is also adjusted. Of course, no matter how it is calculated, it has no effect on the interest paid. Will have an impact on the adjusted interest. After the adjustment of the general bank interest rate, the interest rate of the outstanding part of the loan is also adjusted. There are three forms: first, after the bank's interest rate is adjusted, the newly adjusted interest rate will be implemented at the beginning of the following year (ICBC, Agricultural Bank of China and China Construction Bank are all like this); The second is annual adjustment, that is, the new interest rate is adjusted and implemented every year of repayment (such is the case with China bank mortgage); Third, the two sides agreed that the new interest rate level will be implemented one month after the adjustment of bank interest rates.