Monthly payment = (loan principal month)+(loan principal-accumulated principal) × monthly interest rate; Monthly interest payable = residual principal × monthly interest rate = (loan principal-accumulated principal) At first, due to the large principal, interest accounted for a large proportion. With the increase of repayment time, the proportion of principal gradually increases and the proportion of interest becomes smaller and smaller. Average capital: The loan interest decreases month by month, and the principal decreases until the loan is settled. The change of money buyers is different every month, in which the amount of principal is equal, which decreases with the decrease of monthly principal, and the interest gradually decreases with the increase of repayment time. Housing provident fund loans: for residents who participate in the payment of housing provident fund, low-interest housing provident fund loans should be given priority when purchasing housing provident fund loans.
1. Housing provident fund loans have the nature of policy subsidies. Personal housing commercial loan: the above loan methods are limited to employees who pay housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund are not eligible to apply for loans, but they can apply to commercial banks for personal housing secured loans, that is, bank mortgage loans. Personal housing portfolio loan: a provident fund loan that can be issued by the housing provident fund management center. The maximum amount is generally 100000-290000 yuan. If the purchase price exceeds the limit, it shall apply to the bank for housing commercial loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank.
2. The repayment method of reinsurance mortgage is that the new loan bank helps customers find a guarantee company, repay the funds of the original loan bank, and then apply for a new loan bank. If your current bank can't give you a 30% mortgage interest rate, you can jump ship and find the most affordable bank. Monthly interest rate adjustment The repayment method of monthly interest rate adjustment is the channel for interest rate to rise when the interest rate is introduced into the fixed interest rate, so the interest rate is slightly higher than the floating interest rate in the same period. As long as the central bank raises interest rates once, its advantages will appear immediately. But once the interest rate is cut, the buyers who choose the interest rate will suffer. Therefore, in the case of interest rate cuts, the fixed interest rate of housing loans we chose before should be quickly converted into floating interest rates.