The flat unit price of the house 1 10 is 4,000, and the total price is 440,000.
To calculate the down payment, we must first calculate the loan amount, with a down payment of 30% and a loan of 70%.
The loan amount is calculated according to the regional guidance price (the lowest transfer price stipulated by the Construction Committee), which is generally lower than the transaction price 10%.
4000- (4000X 10%)= 3600 (regional guide price)
3600X 1 10 square meter =396000 yuan.
396000 X 70% = 27720 yuan (this is your loan amount).
440,000 yuan (transaction price)-277,200 yuan (loanable amount) =162,800 yuan.
Your down payment is 6.5438+0.6 million.
The monthly payment is calculated like this.
Loan amount x loan term x interest rate = monthly payment
277200X 20 X 7.05 = 39085200
Monthly payment for 400 yuan.
As long as you are an adult, you can apply for a loan. You don't need to work or start a business. Bank mortgage and buying a house are basically random loans!
Question 2: How to calculate the down payment of the house loan? The average price of the house is 4000, and the total price of the house is 440 thousand.
To calculate the down payment, we must first calculate the loan amount, with a down payment of 30% and a loan of 70%.
The loan amount is calculated according to the regional guidance price (the lowest transfer price stipulated by the Construction Committee), which is generally lower than the transaction price 10%.
4000- (4000X 10%)= 3600 (regional guide price)
3600X 1 10 square meter =396000 yuan.
396000 X 70% = 27720 yuan (this is your loan amount).
440,000 yuan (transaction price)-277,200 yuan (loanable amount) =162,800 yuan.
Your down payment is 6.5438+0.6 million.
The monthly payment is calculated like this.
Loan amount x loan term x interest rate = monthly payment
277200X 20 X 7.05 = 39085200
Monthly payment for 400 yuan.
As long as you are an adult, you can apply for a loan. You don't need to work or start a business. Bank mortgage and buying a house are basically random loans!
Question 3: What is a mortgage house? How to calculate the down payment? How to calculate the down payment of QQ space mortgage? 30 [Label: mortgage down payment, house purchase, mortgage] One person pays 20% down payment to buy the first suite, and after two years, it is transferred to someone else's name. Will the down payment for buying a suite be 20% or 40%? You can change your name for free for two years. Is it five years now? Similarly, if someone else's name is transferred to you, but the name is not mortgaged, is the down payment 20% or 40% when you buy it again? Dior replied: 7 popularity: 13 solution time: 20 10-02-23 07:55. First of all, you have to understand the definition of the second suite: one of the husband and wife has had a bank mortgage, and whether the mortgage is paid off or not, it is considered a second suite. The first 40% interest rate rises 10% on the benchmark interest rate, and the business tax is changed from two years to five years. From 2065438+ 1 65438 in 2000, if individuals sell non-ordinary houses that have been purchased for less than 5 years, business tax will be levied in full; If an individual sells non-ordinary houses that have been purchased for more than 5 years (including 5 years) or ordinary houses that have been purchased for less than 5 years, business tax shall be levied according to the difference between the sales income and the purchase price; Individuals who purchase ordinary houses for more than 5 years (including 5 years) for external sales shall be exempted from business tax. For couples who have no bank mortgage records and have the ability to repay, the down payment can be 20%. What the landlord needs to remind is the process and cost of house transfer, not as simple as five years when you think you can change your name for free in two years. Talk to you later if you have any questions.
Question 4: How to calculate the down payment for buying a house? There are still few second-tier cities with a down payment of 20%. In most cities, the down payment for buying a house is 30%, that is, down payment = total house price *30%. In addition, the purchase price does not include taxes.
Question 5: How to calculate the house down payment? First of all, local policies are different. The most accurate answer is your local authorities.
My personal opinion is:
1. Generally speaking, the down payment for a new house is 20-30%, and the rest can be solved by provident fund, commercial loans or a combination of the two.
However, for a 99-year-old house, the down payment is the bank's decision. The bank should make an appraisal first, and then measure how much your down payment should be. It is estimated that it will cost at least 50%, and the rest can be solved by other loans.
Since you bought a second-hand house, the intermediary will answer these questions for you, and they will also have special ways to make you pay the down payment as little as possible. If it is not through an intermediary, then choose a bank and consult it in the past.
Question 6: Calculation formula of down payment for house purchase Article 10 of the People's Republic of China stipulates that for families (including borrowers, spouses and minor children) who purchase the first set of self-occupied houses with a housing construction area of over 90 square meters, the down payment ratio of loans shall not be less than 30%; For families who borrow money to buy a second home, the down payment ratio of the loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; For the purchase of the third and above houses with loans, the down payment ratio and loan interest rate shall be substantially increased, which shall be determined independently by commercial banks according to the principle of risk management. This is also the case in reality, but there are two points that need to be added: 1, some banks can pay 20% down payment for buying the first house below 90 square meters at home and enjoy preferential interest rates; 2. Some regions and banks have suspended the issuance of the third home loan, that is, the full down payment. :)
Question 7: How to calculate the monthly payment for buying a house 1. Loan policy.
There are many policies, but I mainly tell you some common situations.
1. First of all, the loan amount. For the first house, individuals can borrow 70% of the total house price, which is 30% of the total down payment.
If it is a second-hand house, tax, comprehensive tax, personal income tax, evaluation fee and so on will be generated in the transaction.
Originally, these taxes were borne by both parties to the second-hand housing transaction. * * * I hope so. )
But in the second-hand housing market, there is such a hidden rule that all taxes are borne by the buyer. For a 2 million house, the tax to be paid for buying a house is nearly 200,000 yuan, which should be paid off at the time of down payment. In other words, for example, if you buy a 200W second-hand house, the down payment is 200 * 30% = 600,000, but you have to.
For the second house, the loan amount is 60%, that is, the down payment should reach 40%.
Let me remind you that you can't apply for a loan for a house built 85 years ago Pay attention when buying an old house! For example, for a 40W house in 1984, you have to pay back 40W at one time, and there is no possibility of any loan.
Second, the annual interest rate of the loan.
The latest annual loan interest rate in 2008 is as follows:
Category item
Annual interest rate (%)
I. Short-term loans
Within six months (including six months) 6.57
Six months to one year (including one year) 7.47
Second, medium and long-term loans
One to three years (including three years) 7.56
Three to five years (including five years) 7.74
More than five years 7.83
Third, paste it now.
Discount is determined by taking the rediscount rate as the lower limit and adding points.
According to the annual interest rate standards promulgated by the above countries, ordinary banks will now give customers some concessions. The limit of the discount is: the annual interest rate goes down 15%. For example, a 20-year mortgage loan, that is, the annual interest rate of more than 5 years is 7.83%, and the bank can calculate it according to your interest rate of 6.65%.
As long as everyone has a number, the general bank will take the initiative to provide it. If they don't say anything, you can ask if it has fallen 15%.
Third, the types and calculation methods of monthly payment.
There are two monthly repayment methods: average capital repayment method and matching principal and interest repayment method.
First of all, explain what repayment includes.
Total loan repayment = loan principal+loan interest, which I believe everyone has no problem, that is, the so-called interest!
Let's explain these two situations:
The average capital, in layman's terms, is to repay average capital plus the current month's interest. In other words, divide the total loan principal into certain equal parts. The number of shares is the number of months of your loan life. For example, if you borrow 20W and pay it back in 20 years, then the monthly average capital is: 200,000 /20 years * 65438+February. So the average monthly capital has been made clear. In the average capital, the monthly interest is different, because the monthly interest = the remaining principal of the month * the monthly interest rate. As you pay off a certain amount of principal every month, the remaining principal will be less and less, so the interest will be less and less.
Average monthly fund supply = average monthly fund+interest of the current month = average monthly fund+(remaining principal of the current month * monthly interest rate).
* where monthly interest rate = annual interest rate/12.
Therefore, the average monthly capital payment is different. It will be higher in the first few months, and less later. Until the last month, the principal is 0 and the interest is 0.
Matching principal and interest, popularly speaking, means that the monthly repayment principal+interest is the same, that is, the monthly repayment amount is the same. The calculation method of this thing is more complicated.
I just provide you with a calculation formula here, and interested friends can calculate it.
A = p {I (1+I) n/[(1+I) n-1]} (n is exponential)
A: Monthly contributions.
P: total donations
I: monthly interest rate (annual interest rate/12)
N: Total months of contribution (year × 12)
Example: to buy a house with a price of 500,000 yuan, the first three transactions are 1.5 million yuan, and the mortgage is 3...> & gt
Question 8: Buy a house and pay a down payment. How to calculate the remaining mortgage? Well, it's all the same, some are the latest, some are the old, the principal and interest are equal, the capital is average, the second-hand house, the regional stipulated price. If it exceeds the interest rate, the basic interest rate of commercial loans will be 6.00% in five years and 6.55% in five years. Now the first set of commercial loans can be 15% off, and the second set of interest rates will rise 10%! Send the information if you can, and I'll calculate it for you! First of all, I want to tell you that the mortgage interest rate is not said by the real estate company, but by the bank. It depends on the loan term you choose, ranging from 5 to 30 years. It will be different whether you choose the first set or the second set and which bank loan you choose.
Question 9: Calculation method of down payment The amount of down payment was determined according to the national policy at that time. For example: 30,000 yuan/flat house, 100 flat house is 3 million. Then, 20% down payment is 600,000, 30% down payment is 900,000, and 40% down payment is 654.38+0.2 million.
Question 10: How to calculate the down payment of the house loan? Our housing loans are generally mortgage loans. In the case that the mortgage loan has not been paid off, the property is mortgaged in the bank, and we have no right to buy or sell the house. Only after the loan is paid off, the bank cancels the mortgage and we regain the ownership of the house can we sell the house again. Therefore, before selling the house, if there is a loan, then the house can be sold smoothly only if the loan is paid off first.
Second, how to handle the purchase and sale procedures of the loan property.
1, remortgage
This is a relatively simple and direct method at present. In the sale of second-hand houses, the individual housing is sold or transferred to a third person, and the individual housing loan is applied to change the loan term, the borrower and other transaction elements.
2. Pay off the remaining loan with the buyer's down payment.
This is the most commonly used mode in second-hand housing transactions at present. This method is suitable for your low housing loan amount or small remaining loan amount. Usually, the buyer will recognize the down payment of 30%-40% of the total sales of the property, and the seller can use the down payment of the buyer to pay off the remaining loan, then cancel the mortgage registration of the property and make the next transaction.
3. Use bank loans to pay off the remaining loans.
If the seller wants to pay off the loan before selling the property or the buyer is optimistic but unwilling to buy the property with outstanding loan, this method can be adopted. But the premise is that the homeowner can apply for a loan only if he has collateral (such as other real estate) recognized by the bank. In this way, the owner can lend a certain amount of money to the bank through mortgage loan to repay the real estate loan he wants to sell and promote the success of the sale.