The house loan is 200,000 years, and the monthly repayment amount is 211.55 yuan.
From 2065438 to 2004, China Bank announced that the annual interest rate of loans with a term of more than five years was 4.9%. According to the benchmark interest rate, the repayment method of "equal principal and interest repayment" is adopted under the condition that the interest rate remains unchanged. The total interest is 53,385.75 yuan, and the monthly repayment amount is 2 1 1.55 yuan.
Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans.
Housing loan, also known as housing mortgage loan, is an application for housing mortgage loan made by the buyer to the bank, and provides legal documents such as ID card, income certificate, housing sales contract and guarantee letter. The bank promises to provide loans to the buyer after passing the examination according to the house sales contract provided by the buyer and the mortgage loan contract signed between the bank and the buyer.
How much is the monthly mortgage?
Mortgage the house to the bank for a loan of 400,000 yuan, which will be paid off in 10. What is the average monthly amount?
1. The loan interest rate of the house mortgage loan is 4.90% of the benchmark interest rate. If the loan is paid off within 400,000 years, 10:
The total loan amount is 400,000.
The total repayment amount is 50677 1.5 yuan.
Pay interest 10677 1.5 yuan.
The loan period is 120 months.
The monthly repayment is 4223. 1 yuan.
The calculation method can refer to the online mortgage calculator.
Two, housing mortgage loan application materials:
1. real estate license (real estate license and land certificate must be mortgaged to the bank when mortgage the bank loan)
2. Identity cards of the obligee and his spouse
3. Household register of the obligee and spouse
4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)
5. proof of income (this proof has a great influence on the success and maximum amount of mortgage bank loans. )
6. If the property owner has minor children, please provide birth certificate.
7. If there is a bank loan for the property, please provide the original loan contract and the last bank statement.
8. In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. )
The house is mortgaged with a bank loan of 400 thousand. /kloc-how much is the monthly repayment in 0/0?
If you want to calculate the monthly information for reference, please open the following link:: cmbchina. /cmbwebpubinfo/cal _ loan _ per . aspx？ Chnl=dkjsq tries to use the benchmark interest rate of the current loan to try monthly payment.
If your city has China Merchants Bank, you can try to apply for a loan through China Merchants Bank. The loan interest rate needs to be comprehensively priced according to the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.
How much is the monthly average loan of 0.45% for 64 thousand years?
The monthly interest rate is 0.45%, right?
If the monthly interest rate =0.45%
Formula: monthly repayment amount = loan amount, monthly interest rate/1-( 1 interest rate)-repayment months.
Monthly repayment amount = 600,000.45%/1-(10.45%)-48 =1,392.66 yuan.
The annual interest rate is 5.4%, and the monthly repayment is 1, 392.66 yuan.
The mortgage bank loan is 6.5438+0.5 million yuan, which will be paid off in five years. How much will it cost every month?
The housing mortgage loan is RMB 6,543,800+0.5 million, and the mortgage is for five years. According to the current standard that the benchmark interest rate of banks will not rise, the monthly payment is as follows:
Matching principal and interest repayment method:
The total loan is 150000.00 yuan.
Repayment months: 60 months
The monthly repayment is 2847.90 yuan.
A total of 20,873.85 yuan of interest was paid.
Total principal and interest 170873.85 yuan.
Equal principal repayment:
The total loan is 150000.00 yuan.
Repayment months: 60 months
The repayment in the first month is 365,438 yuan +056.25 yuan.
Decreasing monthly: 10.94 yuan.
A total interest of 200 15.63 yuan was paid.
Total principal and interest 1700 15.63 yuan.
How much interest should I pay for a bank loan of 250,000 yuan in fifteen years, and how much is it on average every month? How many years will it be worthwhile?
Hello, if you apply for a loan in our bank, the monthly repayment amount of the loan needs to provide the following elements for calculation: total amount, loan term, loan execution interest rate and specific repayment method. The above information can only be determined after the loan handling bank specially reviews your comprehensive information. If you just want to test a general information, please open: cmbchina. /cmbwebpubinfo/cal _ loan _ per . aspx？ Chnl=dkjsq Use a financial calculator for trial calculation (the trial results are for reference only). Note: The actual loan information can only be determined after the audit of the handling bank. If PBOC subsequently changes the benchmark loan interest rate, the personal loan execution interest rate may also change, which may eventually lead to a change in the monthly payment. Thank you for your attention and support!
How much can the house be mortgaged to the bank for loan?
It depends on the purpose of the loan. If you apply for a loan from China Merchants Bank, we have personal consumption loans, which are issued by our bank to natural persons for personal or family legitimate consumption purposes such as car purchase, parking, decoration, education, bulk shopping and tourism. , generally secured by real estate mortgage. You need to provide your personal information and proof of the specific use of funds, and apply through the counter personal loan department.
Generally, commercial housing is used as collateral, and the mortgage rate shall not exceed 70% of the present value of real estate appraisal; Where commercial houses are mortgaged, the mortgage rate shall not exceed 60% of the net value of real estate appraisal or 50% of the present value of appraisal. For educational purposes, the term shall not exceed 8 years (inclusive).
How to calculate the bank loan mortgage housing loan in 20 10?
You still have to tell us what the interest rate is.
Suggestion: there is a little thing called financial calculator. You can search and download one. As long as you know the loan amount, interest rate (usually monthly interest), term (usually calculated according to how many months), and then there are options such as equal principal and interest or average capital, you can try it.
I want to mortgage my house to the bank for a loan of 200,000 yuan, which will be paid off in 20 years. How much is the monthly interest?
Hello, what is the purpose of your loan? Which city are you going to apply for? I suggest that you can go through the "online customer service": forum. cmbchina。 /CMU/icslogin.aspx？ From=Blogincmu=0 Learn more about it according to your own specific situation. Thank you for your attention and support!
How much is the interest on mortgage of the house to the bank for 338,000 yuan 10 year?
At present, the annual interest rate of loans from June to June (including June) announced by the People's Bank of China is 4.35%, from June to 1 year (including 1 year) is 4.35%, from 1-3 years (including 3 years) is 4.75%, and from 3 to 5 years (including 5 years). You can enjoy a discount when you buy the first suite, and the lowest benchmark interest rate can be lowered by 30%~
How much is the mortgage bank loan of 400 thousand paid off in 20 years every month at the current interest rate
Unlike banks, the monthly interest rate of the four major mortgage banks is around 0.6%. Calculated, it is still 3 149.4 per month.
How much is the loan for the first house in Jinan? 356,5438+02 per month?
350,000 mortgage, 12, how much is the monthly payment and interest?
The mortgage of 350,000 yuan is 12 years. Assuming the repayment method is equal principal and interest, the annual loan interest rate is 4.90%, the monthly repayment is 32 19.59 yuan, the total interest is 1 13620.48 yuan, and the total repayment amount is 463,620.48 yuan, with interest accounting for 24.5% of the total repayment amount.
The mortgage of 350,000 yuan is 12 years. If the repayment method is average capital and the annual interest rate of the loan is 4.90%, the repayment in the first month is 3,859.72 yuan, with a monthly decrease of 9.92 yuan, the total interest is 1036 14.58 yuan, and the total repayment is 4,53614.58 yuan.
The loan amount is 350,000 yuan, the term is 12 years, and the loan interest rate is 4.90%. Using different repayment methods, the calculation results are shown in the following table:
Average capital and interest average capital
Monthly repayment is 3,265,438+09.59, and the first month repayment is 3,859.72.
Decrease by 9.92 pounds per month
Total interest113,620.48 total interest103,614.58.
Interest accounts for 24.5 1%, and interest accounts for 22.84%.
Under the same conditions, the average capital saves interest by 65,438+00,005.90 yuan compared with the matching principal and interest.
If the monthly mortgage payment of 12 is calculated, what is the monthly mortgage payment and interest? We also need to know the repayment method (equal principal and interest or equal capital), and the loan interest rate is 4.90% this time.
If your loan interest rate is not 4.90%, you can use our calculator to modify the interest rate and recalculate the detailed results. You can also pay attention to our official WeChat account: Mortgage Wizard, and get more help (online calculator latest information experts answer questions).
Let's take the repayment method of 350,000 12 mortgage, loan interest rate of 4.90% and equal principal and interest as an example to explain the relevant information of repayment in detail. If you want to see the details of the repayment method of equal principal, please use the average capital loan calculator of this website.
The mortgage loan has a term of 350,000 yuan 12 years, with an annual interest rate of 4.90%. The repayment method is equal to the principal and interest, and the monthly repayment details.
Monthly repayment, interest, principal and remaining principal.
13,2 19.59 1,429. 17 1,790.42348,209.58
23,2 19.59 1,42 1.86 1,797.73346,4 1 1.85
33,2 19.59 1,4 14.52 1,805.07344,606.78
43,2 19.59 1,407. 14 1,8 12.44342,794.34
53,2 19.59 1,399.74 1,8 19.84340,974.49
63,2 19.59 1,392.3 1 1,827.27339, 147.22
73,2 19.59 1,384.85 1,834.74337,3 12.48
83,2 19.59 1,377.36 1,842.23335,470.26
93,2 19.59 1,369.84 1,849.75333,620.5 1
103,2 19.59 1,362.28 1,857.3033 1,763.20
View all detailed reports (reports can be downloaded to Excel)
The mortgage loan term is 350,000 yuan 12 years, and the annual interest rate is 4.90%. The repayment method is equal principal and interest, and the monthly repayment chart is used.
The term of the mortgage loan is 350,000 yuan 12 years, with an annual interest rate of 4.90%. The repayment method is equal to the principal and interest, with interest accounting for 24.5 1% and principal accounting for 75.49%.
The characteristics of equal principal and interest repayment method are: the repayment of principal increases month by month, the monthly repayment interest decreases month by month, and the monthly repayment amount (monthly payment) remains unchanged. Recommended: online equal principal and interest loan calculator.
The characteristics of average capital's repayment method are: the monthly principal repayment remains unchanged, the interest decreases month by month, and the monthly repayment amount decreases month by month. Recommended: online average capital loan calculator.
4.5 million house down payment 30 how much is the monthly loan?
The monthly repayment is 25,666.66 yuan. 4.5 million house, down payment of 300 thousand. The average term of a house loan is 30 years. There is 4.2 million × 30 years × 4% interest. The answer is 5.04 million. Plus 4.2 million = 9.24 million. Divided by 360 months. 9.24 million ÷360. The answer is 25666667.
How much is the mortgage for a month?
How much the mortgage will be repaid in a month depends on the repayment method, which can be divided into the average principal repayment method and the equal principal and interest repayment method. Different loan methods correspond to different repayment amounts.
Suppose the mortgage of 654.38+0 million yuan is repaid in 360 months, and the interest rate is 4.9%. The specific monthly repayment amount is as follows:
1, average capital repayment method: monthly repayment amount = monthly repayment principal+monthly repayment interest; Monthly repayment principal = total loan amount/loan months; Monthly repayment interest = loan principal balance loan monthly interest rate (loan monthly interest rate = annual interest rate/120); Loan principal balance = total loan amount-monthly repayment principal of repayment month. Through numerical calculation, the repayment amount in the first month is 6861.1yuan, and then it will decrease by 1 1.34 yuan every month.
2. Matching principal and interest repayment method: monthly repayment amount = loan principal × monthly interest rate ×( 1 interest rate) × repayment months /[( 1 interest rate) × repayment months-1], and total repayment amount = repayment months of each repayment amount. Bring in the data and calculate the monthly repayment amount of 5307.27 yuan.
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Buying a house is an unavoidable topic for everyone. Nowadays, it is not cost-effective for young people to buy a house. It is a last resort, and more is a helpless choice.
I have been in Xiamen for four or five years, and I have never thought about buying a house before, because I think the house price in Xiamen is too high. If I buy a house, it will greatly affect the quality of life.
However, with the birth of children, the problem of studying in the future is in front of us, and now the rent is getting higher and higher. Sometimes the landlord wants to take back the house and sell it, and he has to move, so the sense of urban vagrancy is getting stronger and stronger.
As a result, buying a house has to be put on the agenda, which has become a last resort. However, it is difficult to get enough down payment, and the monthly mortgage has become a big stone in my heart.
Especially the current salary system is difficult to support the cost of buying a house.