/kloc-What is the annual interest of 0/100,000 loan?
The interest of general loan 100w, commercial loan is 3625 yuan, and provident fund loan is 229 1.67. The monthly interest of the actual loan 100w is higher than the above data. The above interest is calculated according to the benchmark interest rate of 4.35% for commercial loans and 2.75% for provident fund loans, and the actual interest rate of the bank is higher than the benchmark interest rate. The calculation method of average capital and principal and interest amount is the same as that of one month's interest, that is, 654.38+00,000 × interest rate ÷ 654.38+02, and interest can be obtained.
What are the factors that affect loan approval?
1 personal credit history
Generally speaking, when the mortgage loan is approved, the bank will check whether the borrower's credit record is good within five years. If the credit record is spotless, it will pass the examination and approval easily. However, if there are some problems, the bank will conduct a comprehensive investigation before deciding to approve, such as the problem of high debt ratio. Under normal circumstances, if the debt ratio exceeds 50% of the total income, it is difficult for borrowers to apply for loans again. If the borrower is married, the bank will also check the spouse's credit history. If the spouse's credit record is not good enough, it will also affect the approval. Another factor that is often overlooked is that there are too many credit inquiries. If there are too many credit inquiries, banks will think that the qualifications of borrowers are not good enough, which may affect the approval of loans.
2. Bank flow
Personal work income certificate and bank flow are also very important factors affecting mortgage approval. For mortgage loan approval, the bank requires the borrower's monthly income to be at least twice the monthly mortgage payment, so your bank operation record reaches this level at least half a year before the approval, because it can only be approved for you when it reaches the level of bank inspection. If you don't reach this level, your mortgage approval will be difficult to pass.
3. Purchase records
For the borrower who applies for mortgage for the second time, the bank will check the loan contract when you buy the first suite when you buy the second suite, and then examine and approve it according to the relevant policies and comprehensive factors of the second suite. This is different from the down payment and interest of the first suite before, so the bank will pay more attention to it, and good lending will not affect the approval of the second home loan.