The down payment of 800,000 houses is 300,000. Assuming that the loan is 20 years, it needs a loan of 500,000. According to the benchmark interest rate of the central bank, the annual interest rate of commercial loans over five years is 4.90%; The annual interest rate of provident fund loans for more than five years is 3.25%, and the monthly mortgage payment of 500,000 yuan 10 is calculated as follows:

I. Commercial loans

1, the repayment method of equal principal and interest is 500,000 yuan 10 year, and the monthly payment is 3,272 yuan.

2. The repayment method of the mortgage with an average capital of 500,000 yuan is 10, and the monthly payment is 4 125 yuan, and then it will decrease month by month.

Second, provident fund loans.

1, the repayment method of equal principal and interest is 500,000 yuan 10 year, and the monthly payment is 2,835 yuan.

2. The average repayment method 10 of the 500,000-yuan mortgage is 3,437 yuan in the first month, and then it will decrease month by month.

There are two repayment methods of mortgage: equal principal and interest repayment method and average principal repayment method. Different repayment methods lead to different monthly payments after loan. The calculation method of monthly payment for the two loan methods is as follows:

1, equal principal and interest repayment method = [loan principal × monthly interest rate× (1interest rate) repayment months ]≤[( 1 interest rate) repayment months-1], equal principal and interest repayment means that the principal and interest are the same every month, and the repayment to the bank is the same every month.

2. Average principal repayment method: monthly repayment amount = (loan principal ÷ repayment months) (loan principal-accumulated repaid principal) × monthly interest rate. Matching principal repayment means that the principal repaid every month is unchanged and the interest is decreasing by stages.

Second, what is the down payment of 300,000 yuan for an 800,000 yuan house?

For our personal housing loan: 1, and the minimum down payment ratio for the "first suite" is 30% (adjusted to not less than 25% for cities that do not implement "purchase restriction"); 2. The down payment ratio of the "second suite" is at least 40%. Your specific credit line needs you to submit relevant information, and it can only be determined after the approval of the outlets. You can directly contact the personal loan department of local outlets for consultation. If you want to try to calculate the information of "monthly payment" for reference, please go to our home page and click "Financial Calculator"-"Personal Loan Calculator" on the right to try to use the benchmark interest rate of the current loan for trial calculation.