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The calculation method of mortgage interest mainly includes: equal principal and interest method (average loan repayment method), equal principal method (decreasing method).

1. Equal principal and interest method:

\(A \times (P/A,i,N)=P\)

A - monthly repayment amount

I——current monthly interest rate (public reserve interest rate or commercial loan interest rate)

N - the number of repayment periods

P——Total loan

(P/A, i, N) - the present value of the annuity

1. Equal principal method

\(B=P/N+I\) (decrement)

B——First month payment

P——Total loan

N - the number of repayment periods

I - the interest of the return

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