房贷的利息怎么算

To calculate the interest on a mortgage loan, you can use the following formula:

Interest = Principal Amount x Annual Interest Rate x Loan Term

For example, if you have a mortgage loan of $200,000 with an annual interest rate of 4% and a loan term of 30 years, the calculation would be:

Interest = $200,000 x 0.04 x 30 = $240,000

This means that over the course of the 30-year loan term, you would pay a total of $240,000 in interest on top of the original principal amount of $200,000.