How much is the monthly supply of 5 million houses in 30 years?

5 million houses for 30 years, assuming an annual interest rate of 4.90%, then the monthly payment of equal principal and interest is 26,536.34 yuan; The average monthly capital contribution is 20,465,438+06.67 yuan, which decreases month by month. When calculating the monthly payment, it is necessary to determine the monthly payment, loan amount, bank interest rate and repayment method. After determining these elements, you can go to some stations and use the mortgage calculator to calculate.

Calculation method of monthly mortgage payment

1, in fact, a better way is to use the mortgage calculators of major websites to calculate, which is simple and convenient. First, choose whether your repayment method is average capital or equal principal and interest, and fill in the commercial loan term, loan amount and actual loan interest rate.

2. Select whether to display repayment details, and click "Calculate" to obtain detailed information such as monthly repayment amount, total loan interest, total repayment amount in each installment, etc.

(1) repayment method of equal principal and interest: monthly repayment amount = [loan principal × monthly interest rate ×( 1+ monthly interest rate )× repayment months] ÷ monthly repayment amount [( 1+ monthly interest rate )× repayment months -65438+ monthly interest rate] principal payable.

(2) Average principal repayment method: monthly repayment amount = (loan principal ÷ repayment months)+(loan principal-accumulated repaid principal) × monthly interest rate = loan principal ÷ repayment months × monthly interest rate = remaining principal × monthly interest rate = (loan principal-accumulated repaid principal) × monthly interest rate = monthly repayment amount.

Housing loan method

1. Housing provident fund loan: For residents who have already paid the housing provident fund, low-interest housing provident fund loans should be preferred when buying a house. Housing provident fund loans have the nature of policy subsidies.

2. Personal housing commercial loans: 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 have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans.

3. Personal housing portfolio loan: the provident fund loan that can be issued by the housing provident fund management core, and the upper limit is generally10-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing 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.