The monthly mortgage interest rate has been paid for 4 months, and I receive a text message every month. The content is like this. Hello, your loan in a bank in Chongqing has been closed.

No matter what loan method is adopted (equal principal and interest, average capital), the monthly interest is getting less and less (because the first month, the calculation period of interest is the longest. The second month. The interest calculation period is reduced by one month, so it will be less)

The same. The question of principal.

If the principal and interest are equal, the principal will be increased every month, and the principal returned in the first month will be the least.

(Principal+interest = monthly payment, because the monthly payment of equal principal and interest is the same. As mentioned above, the monthly interest decreases, so the monthly principal increases. )

Average capital: the monthly principal repayment amount is the same.

So ... the monthly loan you are paying now. The proportion of principal is relatively small. This is normal. The proportion of monthly principal will gradually increase in the future. You can take a closer look. Last month. , are basically the principal.

I calculated the details of your monthly payment. You can have a look.

Matching principal and interest repayment method: 255,000 yuan, 10, 20% interest rate.

The actual monthly interest rate is 3.960‰

Monthly repayment is 2673.87

The total repayment amount is 320,900 yuan.

The interest is 65900 yuan

Equal principal and interest method

Number of installments, amount of principal and interest, total principal and interest

No.11664.071009.80 2673.87

Phase II1670.651003.22 2673.87

The third stage 1677.27 996.60 673.87

The fourth stage: 1683438+0989. 38866 . 868868686667

The fifth stage 1690.58 983.29 673.87

No.6 1697.28 976.59 673.87

Issue 7 1704.00 969.87 673.87

The eighth issue:1710.50000.00000000805

Question 9:1717.52 956.35673.87

No.101724.32 949.55673.87

1 1 period1731.15942.72 2673.87

No.121738.00 935.87 2673.87

No.: 13, 1744.89. 56864.86686866667

No.141751.80 922.07 2673.87

No.151758.73915.14 2673.87

No.161765.70 908.172673.87

No.171772.69 901.18 2673.87

No.181779.438+0 894.16 2673.87

No.191786.76 887.112673.87

Issue 20 1793.83 880.04 2673.87

No.: 211800.94 872.93 673.87

Issue 22 1808.07 865.80 2673.87

Issue 231815.23 858.64673.87

Question 241822.42851.452673.87

No.25 1829.63 844.24 673.87

No.26 1836.88 836.99 2673.87

No.271844.15829.7673.87

Issue 281851.46838+0.2673.87

Issue 291858.79815.082673.87

Issue 301866.15807.72673.87

No.31issue 1873.54 800.33 2673.87

Issue 32 1880.96 792+0 2673.87

No.33:1888.438+0.30080.00000000085

Issue 34 1895.88

Issue 35 1903.39 770.48 2673.87

Question 36: 65438+

Issue 37: 65438+

Issue 38 1926.09 747.78 2673.87

Question 391933.72 740.438+052673.87

Fortieth issue: 65438+

SerialNo.: 411949.199989989897

Forty-second issue1956.78 717.09 2673.87

Issue 43 1964.53 709.34 2673.87

No.441972.36438+0.701.562673.87

No.451980.12693.773.87

Issue 46 1987.97

Issue 47 1995.84 678.03 2673.87

No.48 2003.74 670.438+03 2673.87

Issue No.49, 2011.50873.88868888886

50th issue 20 19.64 654.23 2673.87

No.5 1 2027.64 646.23 2673.87

2035.67 638.20 2673.87

No.53 2043.76338+04 2673.87

54th issue 205 1.82 622.05 2673.87

The 55th issue 2059.95 6 13.92 2673.87

No.56 2068.11605.76 2673.87

2076.30 597.57 2673.87

2084.52 589.35 2673.87

No.59 2092.77581.102673.87

No.60 2101.06572.438+0.2673.87

No.665438 +0, issue 2109.30080.00600060666

Question 62: 265438

Issue 63: 2126.12547.7673.87

64 issue 2 134.54 539.33 2673.87

65th issue 2 142.99 530.88 2673.87

No.66: 2151.48 522.87

67th issue 2160.00513.87 2673.87

No.68 2 168.55 505.32 2673.87

265438+

70th issue 2185.76488.6438+012673.87

Question 765438+

No.72 2203.11470.76 2673.87

Question 73: 2265438+

No.74 2220.59 453.28 2673.87

Question 75: 2229.38 444.49 2673.87

2238.26438+0 435.66 2673.87

No.77 2247.07 426.80 2673.87

Question 78 2255.97 4 17.90 2673.87

Question 79 2264.9 1 408.96 2673.87

No.80 2273.88 399.99 2673.87

No.: 8 1 2282.88 390.99 2673.87

82nd issue 2291.92381.952673.87

83rd issue 230 1.00 372.87 2673.87

84th issue 2310.11.363.76 2673.87

85th issue 23 19.26354+02673.87

No.86 2328.44 345.43 2673.87

No.87 2337.66 336+0 2673.87

No.88

89th issue 2356.21317.66 2673.87

No.90 2365.54 308.33 2673.87

Issue No.9 1, 58686.199889888895

No.92 issue 2384.3 1 289.56 2773.87

No.93 2393.76 280.438+05438+0 2673.87

No.94 2403.24 270.63 2673.87

No.95 2412.75 261.12 2673.87

No.96 2422.31.251.56 2673.87

97 2431.90 241.97 2673.87

No.98 244 1.53 232.34 2673.87

No.99 245 1.20 222.67 2673.87

No.100 2460.91212.96 2473.87

SerialNo.:10120001.100000000805

No.:102,2480+00248386385

No.103 2490.26183.438+0 2673.87

No.104 2500.12173.75 2673.87

No. 105 2510.02163.85 2573.87

No.1062519.96153.438+0 2673.87

No.107 2529.94143.93 2773.87

No.108 2539.96133.4438+0 2673.87

Question 109: 2550.01123.50000.00000000006

No. 1 10 period 2560.1113.76 2673.87

Issue number111.466663666

Serial number: 1 12, 36866.168686868686

No.113 2590.65 83.22 2673.87

Issue No.65438+014.50000.00000006066

No.115261.2162.66 2673.87

No.116 2621.55 52.32 2673.87

No.117 2631.93 41.94 2673.87

No.118 2642.35 31.52 2673.87

Issue 1 19 2652.438+0.2 1.062673.87

No.120 2663.2610.612673.87

Total 255000.00 65864.40 32064.40

I hope I can help you!

The answers come from: "Baidu real estate exchange group" and "commercial financial management knows thousands of households"

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