If you mortgage a house worth 300 thousand to the bank, this set can borrow 245 thousand.
2. How much can a 300,000 house be mortgaged from the bank?
If your city has China Merchants Bank, you can try to apply for a loan through China Merchants Bank. Information such as the execution interest rate, amount, loan term and repayment method of the loan you specifically apply for need to be determined after the handling bank specifically examines your comprehensive information after you apply for the loan.
Please dial 95555 at 8:30- 18:00, and select "2 manual service-"1"personal banking-"4 "personal loan business to enter the manual service to provide loan purpose and city details.
3. What is the mortgage loan for a house with a down payment of 300,000 yuan?
A single bank can borrow up to 240 thousand. Real estate mortgage loan process: the borrower opens a current deposit account in the bank; Information required for preparing loans; Face to face bank; Bank filing and approval; After approval by the bank, the bank will notify the borrower of the approval result and sign a loan contract with the borrower; Go to the Construction Committee for mortgage registration; Construction Committee issued his right certificate; Handle insurance, notarization and other formalities as appropriate; The bank directly transfers the loan to the account agreed in the contract; The borrower shall repay the loan principal and interest according to the provisions of the loan contract.
4. How much can I borrow for a down payment of 300,000 yuan to buy a house? If your family buys a house with a total price of 10,
Hello, at present, the down payment for a normal house is 30%, and the money worth 300,000 is 70%, which is about 2 10000. Please understand that the specific consultation should be based on your actual situation and local purchase policy. It is impossible to pay by money now! A word of advice: 1. Apply for prepayment and remortgage for the loan being provided. 2. Make a second mortgage directly to private small loans! ! ! It can also be said that buying a house in the equal principal and interest area is a lifetime thing. For most friends, buying a house requires a loan from the bank, and there are two ways to borrow from the bank: the average capital method and the equal principal and interest method. Many people don't know the difference between them and the interest algorithm, so they will tell you about the difference between the average capital and the equal principal and interest when buying a house with a loan, and see which is better. The definition of equal principal and interest: the principal increases month by month, the interest decreases month by month, and the monthly repayment amount remains unchanged. Matching principal and interest is also called regular interest payment, that is, the borrower repays the loan principal and interest in equal amount every month, calculates the monthly loan interest according to the remaining loan principal at the beginning of the month, and settles it every month. Because the monthly repayment amount is equal, in the initial monthly repayment of the loan, after excluding the monthly settlement interest, the loan principal is less; In the later stage of the loan, due to the continuous reduction of the loan principal and the monthly repayment amount, the monthly repayment of the loan principal actually takes up more bank loans and takes longer, and at the same time, it is necessary to arrange the monthly life and conduct financial management (such as renting a house, etc.). ). For people who are proficient in investment and good at "taking money to make money"! Calculation formula of equal principal and interest repayment method The term of mortgage loan for individual house purchase is generally more than one year, so one of the repayment methods is equal principal and interest repayment method, that is, equal repayment of loan principal and interest from the quota. The difference and choice between average capital and equal principal and interest |20 14-04-20| Browse: 39603| Vote: 0 Purchase For most friends, there are two ways to borrow money in a house-buying branch: the average capital method and the interest algorithm, which leads to great losses when lending to buy a house. Below, the author will tell you in detail which is better: average capital, average capital and equal principal and interest. The definition of equal principal and interest: the principal increases month by month, the interest decreases month by month, and the monthly repayment amount remains unchanged. Matching principal and interest is also called regular interest payment, that is, the borrower repays the loan principal and interest in equal amount every month, calculates the monthly loan interest according to the remaining loan principal at the beginning of the month, and settles it every month. Because the monthly repayment amount is equal, in the initial monthly repayment of the loan, after excluding the monthly settlement interest, the loan principal is less; In the later stage of the loan, due to the continuous reduction of the loan principal, the loan interest is continuously reduced in the monthly repayment amount, and the monthly repayment of the loan principal is more. This repayment method actually takes up more bank loans and takes longer. At the same time, it is also convenient for borrowers to reasonably arrange their monthly life and financial management (such as renting a house, etc.). ). It is undoubtedly the best choice for those who are proficient in investment and are good at "taking Qian Shengqian as their home"! The calculation formula of matching principal and interest repayment method The term of mortgage loan for individual house purchase is generally more than one year, so one of the repayment methods is matching principal and interest repayment method, that is, from the second month of using the loan, the loan principal and interest are repaid in equal amount every month. The calculation formula is as shown in the figure: p: loan principal r: monthly interest rate n: number of repayment periods, where: number of repayment periods = loan years × 12 definition of average capital: the principal remains unchanged, the interest decreases month by month, and the monthly repayment amount decreases. Suitable for planned prepayment. Average capital is also called unequal interest repayment method. The lender will allocate the principal to each month and pay off the interest from the previous trading day to the repayment date. Compared with the matching principal and interest, the total interest cost of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month. For example, we also borrowed 200,000 yuan from the bank, and the repayment period was 15 years. If you choose to repay the same principal, you need to repay the bank principal11yuan every month, and the interest in the first month is 9 18 yuan, totaling 2,200 yuan in the first month. Then, the monthly average capital repayment method is a very simple and practical repayment method. The principle of the basic algorithm is to repay the loan principal in equal amount on schedule during the repayment period, and at the same time pay off the interest generated by the unpaid principal in the current period. Repayment methods can be monthly repayment and quarterly repayment. Due to the requirement of bank interest settlement practice, quarterly repayment is generally adopted, such as China Bank. The calculation formula of the average capital repayment method is: quarterly repayment amount = loan principal ÷ quarterly loan periods (principal-accumulated repaid principal) × quarterly interest rate. For example, the loan is 200,000 yuan, and the loan term is 10 year. For example, the repayment of the principal is 200,000 ÷( 10×4)= 50 per quarter. Interest in the second quarter: (200000-5000×1)× (5.58% ÷ 4) = 2720 yuan, so the repayment amount in the second quarter is 50002720=7720 yuan? Interest in the 40th quarter: (200000-5000× 39 )× (5.58% ÷ 4) = 69.75 yuan, then the repayment amount in the 40th quarter (the last installment) is 500069.75=5069.75 yuan. As can be seen from the above example, with the continuous repayment of the principal, the interest on the outstanding principal in the later period will also be paid. This method is more suitable for borrowers who already have some savings, but their expected income may gradually decrease, such as middle-aged and elderly workers' families, who have some savings, but their retirement income will decrease in the future. This method was introduced in June 1999 1 and is being gradually adopted by banks. How much is the down payment for a 300,000 house? -Hello, at present, the down payment for a normal house is 30%, the down payment for a house with a value of 300,000 is about 90,000, and the loan amount is 70%, which is about 2 10000. It depends on your actual situation and local housing policy. Please contact the relevant units for consultation. Please understand. How much is the down payment for buying a house worth 300 thousand? How much is the monthly payment? The more detailed the better, thank you-:depending on the different policies in different places. If the down payment is 20%, you need 60,000 yuan, the loan is 240,000 yuan, 1900 yuan, the monthly payment is around 1900 yuan, and the total interest is about 654.38 million yuan. Now the down payment is 30%, 90,000 yuan, and the loan is 266,000 yuan. The total interest is nearly 90,000 yuan. If it is a shop, you should pay more than half of the down payment. The loan can only be repaid for 65,438+00 years, and the interest will be higher. Do a rough calculation and ask the people there to help you work it out. How much is the down payment for a 300,000 house? -:The down payment is 90,000 yuan (at present, the central bank stipulates that the down payment for mortgage is at least 30%), depending on how many years you have borrowed, including insurance, guarantee insurance and performance insurance. How much is the down payment for a house of 300,000 yuan, and how much is the monthly payment-:Apply for personal housing loans (including first-hand buildings and second-hand buildings) at China Merchants Bank, and the down payment ratio is as follows: 1, with the minimum ratio of 30% for the first suite. 2. For the second suite, the minimum ratio is 40%, that is, the maximum loan amount does not exceed 60% of the value of the purchased property. The specific loan amount can only be determined after the approval of the outlets. You can directly contact the personal loan department of the local outlets for consultation. If you want to try the information of "monthly loan" as a reference, please go to the homepage of China Merchants Bank and click on "Financial Calculator"-"Personal Loan Calculator" on the right. Try to use the benchmark interest rate of the current loan to calculate the monthly payment. How much is the down payment for buying a house of 300,000? : If it is the first time to buy a house, the down payment for a 300,000 second-hand house should be at least 90,000. The expenses involved are: agency fee (if the transaction is made through an intermediary), real estate transaction tax (the fee is related to the five-year period of the real estate license), mortgage fee (generally about 2,500 yuan), and mortgage a house of about 300,000 yuan. 10%? 20% or 30%? -:The second suite is basically 50%, but it depends on whether your parents have used provident fund loans to buy a house before. For the first suite, 30% (not less than 20% in some places) can use your parents' provident fund loan. I want to buy a house, 300 thousand. How much deposit should I pay? --: 10/00000 yuan or so. How good it is to pay in one lump sum, without paying bank interest ... how much deposit should I pay? You'd better use your business license to make a loan. Down payment124,000 yuan. Banks can also buy 300,000 houses at a 30% discount rate. How much is the down payment If it is the first house, it is 30% of the total house price. If it is a second house, it is 60%.