如何计算房贷（国外英文资料）.doc

如何计算房贷（国外英文资料） How to calculate a mortgage   for commercial loans, the loan amount, select the appropriate pay periods and the loan is very important.     the mortgage can be divided into equal principal and equal principal and interest of the two.     the so-called matching principal, namely the same amount of every month to repay the principal, the principal and interest waiting for the forehead, is each month to repay the principal and interest on the sum of the same.    , for example, released on December 23, 2008 yuan more than 5-year loan interest rate is 5.94% (years), seventy percent discount according to the mortgage, the interest is 5.94/12 * 0.7 = 0.3465, so the interest rate was 3.465 ‰.     if the loan amount is 500000, no matter choose what methods of payment, each month must also all interest, that is to say, the minimum payments is 500000 * 3.465 = 1732.5. If you have 3000 per month, then 1732.5 in this 3000 is the interest, and the rest is the principal. In other words, the interest must be paid for the month, and the 1732.5 wont carry on the interest next month, so there is no problem of interest.     so-called matching principal, that is, to repay the principal of the same every month. If the loan was $500,000 and paid off in 10 years, the principal required for the monthly payment would be 500000/120 = 4166.67. In the first month, the $500,000 principal produced the interest of 1732.5, so the total amount of the payment in the first month was 4166.67 + 1732.5 = 5899.17.     in the second month, the principal part of the repayment amount remains unchanged, still is 4166.67. Has also because of the first month of 4166.67 the principal, so the principal with 495833.33 actually, interest on the part of the month is 495833.33 * 3.465 = 1718.0625, so the second month of the reimbursement amount is 4166.67 + 1718.0625 = 5884.73. (sinas loan calculator is wrong, with focus...)     in the last month, repay the principal part