If you are going to buy a house in Dalian, what is the down payment of 6.5438+0.04 million yuan? How much is the monthly payment?
The current high housing prices make many people just want to stop. Now many people have the need to buy a house, but they can't afford to buy a house in full, so people choose mortgage loans to buy a house. Because the loan policies in different regions are different, it is necessary to master the local real estate policies, because only in this way can the funds on hand be arranged reasonably and used correctly. If you are going to buy a house in Dalian, what is the down payment of 6.5438+0.04 million yuan? How much is the monthly payment? Let me show you the relevant information below!
For the purchase of the first home, the down payment ratio of the commercial loan shall not be less than 20% of the total house price, that is, 104000020%=832000 yuan, and the loan period shall be 30 years; Provident fund loans, the loan ratio can reach 60%, the loan amount is 700,000, and the loan period is 30 years.
If it is a second suite, it shall not be less than 30% of the appraised house price, that is, if the total house price is 1040000 yuan, the down payment is required to be104000030% = 312000 yuan; If the provident fund loans the second suite, the loan amount is 700,000.
Regarding the down payment and monthly payment for buying a house in Dalian, if you are going to buy a house with a price of 6.5438+0.04 million yuan in Dalian, you should make adequate financial preparations. The down payment is not a small expense, and the monthly payment should be calculated. Will it affect your quality of life in the next few years or even decades? The above is the content of the Dalian housing loan I provided for you. I hope it will help you!
Second, how to calculate the down payment and monthly payment for buying a new house in Dalian?
First, it depends on the interest rate you signed with the bank and how much the benchmark interest rate has risen. Second, it depends on the repayment method you choose, whether it is equal principal and interest or average capital. Third, it depends on the length of your loan. Of course, your monthly payment varies greatly with different years. /bae_bank/index.htm provides you with a monthly loan payment calculator. You can choose according to your own situation and directly calculate your monthly payment.
3. If you buy a house with two rooms and two halls in Dalian, what is the down payment and monthly payment? It's about 100 square meter, and the level is about 8000.
If I give you a flat 8000, it will not deviate from 100 yuan. First suite: down payment of 240,000 yuan, loan of 560,000 3.2 yuan (15% discount) and two loans of 320,000 yuan, loan for 30 years, monthly payment of 2 173. 18 yuan (1. 1 time).
Fourth, how much is the down payment for a 300w house?
First-hand house down payment calculation formula: down payment = total house payment-customer loan amount; Customer loan amount = market price ×80%. Second-hand housing down payment calculation formula: net down payment = actual sales price-customer loan amount; Customer loan amount = appraised value of second-hand house ×80%.
Commercial loan: the mortgage of 3 million yuan will be paid off in 20 years, calculated at the benchmark interest rate of 2065438+20051October 24, and repaid by the equal principal and interest method. The monthly repayment is 19633.32 yuan, and the repayer needs to pay interest171997.15 yuan, with the highest monthly interest 12250 yuan.
Commercial loan: the mortgage of 3 million yuan will be paid off in 20 years, calculated according to the benchmark interest rate of 2065438+2005124 October, and repaid by the average capital method. The first monthly payment is 24,750 yuan, and the monthly payment is reduced by 5 1.04 yuan. The repayment person needs to pay interest 1476 125 yuan, with the highest monthly interest 12250 yuan.
Provident fund loan: the mortgage of 3 million yuan will be paid off in 20 years, calculated at the benchmark interest rate of 2,065,438+65,438 in 2005+13.25% on October 24th, and repaid by the equal principal and interest method. The monthly payment is 170 15.87 yuan, and the repayer needs to pay interest of 1083809.48 yuan, with the maximum monthly interest of 8 125 yuan.
Provident fund loan: the mortgage of 3 million yuan will be paid off in 20 years, calculated according to the benchmark interest rate of 2065438+2005 65438+1October 24, and repaid by the average capital method. The repayment in the first month is 20,625 yuan, a decrease of 33.85 yuan per month, and the repayment needs to pay interest of 979,062.5 yuan.