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枫下家园 / 钱财税务 / 我的房屋贷款余额$100645.90,每两周付款一次$779.17,年利率3.39%,付款后变成$99998.43.而我的计算结果为:100645.9+100645.9*0.0339*14/365-779.17=99997.6.似乎每次银行多收了0.83的利息,不知为什么?
-dasongxiao(snake);
2014-7-26
(#8897228@0)
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up.
-dasongxiao(snake);
2014-7-26
(#8897267@0)
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还要加上:在此区间第1天产生利息在随后13天产生的利息100645.9*0.0339*1/365*(0.0339*13/365)和第2天产生利息在随后12天产生的利息100645.9*0.0339*1/365*(0.0339*12/365)和第3天产生利息在随后11天产生的利息100645.9*0.0339*1/365*(0.0339*11/365)。。。和第13天产生利息在随后1天产生的利息100645.9*0.0339*1/365*(0.0339*1/365). 即所谓复利,当然银行不会算这么麻烦,他们半年一结,多处来的分摊到每次付款中
-w4b(Watch for Beauty);
2014-7-26
{135}
(#8897289@0)
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Mortgage interest rate is compounded semi-annually not yearly.
-wfjiang(BB10);
2014-7-30
(#8905245@0)
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Exactly.Heard of this saying but do not know how to apply this saying into equation(calculation)
-jameschen6(梦想农庄-秋高气爽);
2014-7-31
{88}
(#8905306@0)