For commercial loans, the benchmark interest rate for loans over five years is 5.94%, and the first suite enjoys a 30% discount. The monthly interest rate is 4.158%/12 = 0.3465%.
The monthly payment is decreasing every month.
500,000 10 year (120) month.
1. If the repayment method is equal principal and interest, the monthly repayment amount is the same: [500000.3465% (10.3465%)120]/[(10.3465%) 65438.
Description: 120 is the power of 120.
2. If the repayment method is average capital, the monthly principal is the same, and the average capital is repaid with decreasing interest month by month. The monthly principal is 500,000 yuan/120 = 465,438+066.67 yuan.
Interest decreases month by month.
The interest amount in the first month is: 5000000.3465%= 1732.5, and the total principal and interest is 4166.1732.5 = 5899.17 yuan.
The interest of the second month is: (500000-4166+438+0) 0.3465% =10438+08.06.
The interest of the third month is: (500000-4166.672) 0.3465% =1703.62.
By analogy, the accumulated interest 1048 16.25 yuan can be calculated by yourself.
How many years can I borrow under the age of twenty or fifty?
Hello, the age limit is 65 for men and 60 for women. The male is 50 years old, and the house loan is 15, and the female loan is 10.
How many years can I borrow a 50-year mortgage?
Calculate how much it will cost to decorate your home and buy a house. Now it is not just needed as before. Many people regard buying a house as a means of financial management, waiting for appreciation. Therefore, more and more people buy houses. So, how many years can a 50-year mortgage be borrowed? What qualifications do you need to buy a house with a loan? Today, Bian Xiao will come and talk to you about the mortgage.
How many years can I borrow a 50-year mortgage?
Buying a house loan at the age of 50 can be mortgaged to the bank 15 years at the longest. Among them, the sum of the applicant's age and the loan period does not exceed 70; The borrower's occupation and economic income are stable, and he has the ability to repay the loan principal and interest; Having a valid guarantee recognized by the handling bank; There is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements.
Second, what qualifications do you need to buy a house with a loan?
1, house purchasing qualification
At present, in order to better regulate the property market, many cities have entered the era of "five limits", which is no longer the era of wanting to buy a house anytime and anywhere. The purchase restriction has disqualified many people from buying. So if you want to buy a house, you must first determine whether you are qualified to buy a house.
2, have the ability to repay the loan.
When you have a strong repayment ability, the bank will provide you with a mortgage. If your repayment ability is insufficient, then the bank will refuse the loan. So you must first have a stable job and economic income.
3. The down payment is up to standard
Under the strict control of the property market, major cities are cracking down on down payment loans. If you pay the down payment by illegal means, you will never be able to borrow money to buy a house. So you must first make sure that there is no problem with your down payment.
4. Proof of other assets
In the case that the borrower's income is not up to standard, if he still wants to borrow money to buy a house, he needs to provide some other proof of assets, such as shops, equity claims and so on. Prove that you have enough money to repay your mortgage.
Summary: These are all 50-year mortgage loans for how many years. Loan is one of the mainstream ways to buy a house at present, but I suggest that if you are able to repay it, you still choose to buy a house by loan, so that your normal life will not be affected.
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How many years can I borrow under the age of forty or fifty?
Hello, the age limit is 65 for men and 60 for women. The male is 50 years old, and the house loan is 15, and the female loan is 10.