I. Short-term loans
Six months (including six months) 5.85
Six months to one year (inclusive) 6.3 1
Second, medium and long-term loans
One to three years (inclusive) 6.40
Three to five years (inclusive)
More than five years
III. The discount rate shall be determined as the lower limit.
The loan from China Construction Bank is the most worthwhile, with a down payment of 15%. Housing provident fund loan interest rate is the lowest.
Housing provident fund loan
Less than five years (including five years) 4.20
More than five years 4.70
Calculated according to the latest benchmark interest rate of CCB loan of 6.80%.
Repayment method
Waiting for repayment of principal and interest
You need to pay the principal and interest 15392.868 yuan per month, the accumulated interest is 54654.38 yuan +043.25 yuan, and the accumulated repayment amount is 55465438 yuan +043.25 yuan.
matching principal repayments
The accumulated interest is 52,465,438 yuan +06.67 yuan, and the accumulated repayment amount is 552,465,438 yuan +06.67 yuan.