2. The mortgage interest rate is basically the same in the whole country. Just check the national interest rate policy online and consult the local bank for specific loans;
There is a special calculation method for monthly payment, so don't care too much. Ordinary people may not be good. Relatively speaking, the average capital method is relatively easy to calculate the loan repayment, and the monthly repayment principal = total loan amount ÷ total number of months of loan repayment, and the monthly repayment interest = remaining principal of last month × monthly loan interest rate (no matter how the loan is repaid, the interest calculation is the same). Matching principal and interest repayment method, the total amount of principal and interest repaid each month = (all principal+all interest) ÷ the total number of months of repayment, which is troublesome to calculate, and a special formula can be derived;
4. From the perspective of cost saving, the average capital method should be chosen to repay the loan anyway, which is the most economical interest expense. Don't listen to any intermediary or banker, they will generally recommend you to choose the equal principal and interest method to repay the loan from their own interests. Why does average capital save interest rates by repaying loans? Because compared with the equal principal and interest method, the average capital method makes the delay of the principal in the bank shorter, thus reducing the interest generated by the principal.
As for the charges, don't expect any bank to give you many discounts, as long as it doesn't exceed the scope of national policies. People who are not very smart simply can't understand the nature of various charges. If we must consider the cost, there are only two aspects that are most worthy of consideration and the biggest difference. One is the choice of repayment method, that is, choose the average capital method or the equal principal and interest method. As mentioned above, choosing the former is definitely the most economical; The second is the choice of loan method, that is, the choice of provident fund loans or commercial loans. If there is a provident fund, it is best to use the provident fund loan first, and you can use the maximum amount of the provident fund loan. We must reconsider, that is, it is best to run the loan by ourselves, and don't let the intermediary or director run, especially those who can't use the provident fund loan. Let people run, you pay for the trip. There is no doubt about it.