Introduction: When it comes to buying a house, it is generally not a small amount, ranging from hundreds of thousands to hundreds of millions. As the saying goes, if you don't have enough to eat and wear, you will be poor without planning. So in this article, Tuba Rabbit Bian Xiao presents the latest mortgage calculator of 20 15. Before buying a house, you can roughly calculate the future monthly payment and down payment, which will also make the whole house purchase more planned.

Before buying a house, can you calculate in advance how much you will pay back every month? Many property buyers have such questions. What Tutu wants to say is, of course, just use the mortgage calculator. The following rabbit will introduce you to the use of mortgage calculator and related concepts.

You can search for "mortgage calculator" in Baidu, and you can see a lot. As long as you click in, you can see mortgage calculator, provident fund loan calculator, prepayment counter and so on. Today, Tutu mainly introduces the mortgage calculator for buying a house.

1. Loan type. At present, the mainstream loan types include three categories, namely commercial loans, provident fund loans and portfolio loans. Among them, commercial loan refers to the loan form in which the buyer uses the purchased real estate as collateral to apply for a loan from a commercial bank to pay the house price, and then the buyer repays the principal and interest in installments. Provident fund loans refer to provident fund loans that employees who deposit housing provident fund can apply for in accordance with relevant regulations. Generally speaking, the interest rate of commercial loans is much higher than that of provident fund loans. Portfolio loan is a situation in which commercial loans and provident fund loans are used at the same time, but the interest rates are calculated separately.

Second, the calculation method. The calculation methods include area, unit price and total loan amount, which can be filled in by buyers according to their actual situation.

Third, the area and unit price. The area here refers to the area of the house you bought, and the unit price refers to how much per square meter. These two concepts are very easy to understand.

Fourth, the mortgage period. Generally speaking, the mortgage term refers to how many years you have borrowed from the bank, at least one year and no more than 30 years. You can determine it according to your own economic situation.

5. Percentage of mortgage loans. The mortgage ratio refers to the proportion of the total loan you give to the bank to the total house payment. From the distance, the total price of the house you bought is 654.38+0 million. If the mortgage ratio is 70%, it means that you borrowed 700,000 yuan from the bank.

Sixth, the repayment method. Repayment methods include equal principal and interest and average capital. If the principal and interest are equal, the interest paid in the early stage is more than the principal, and the interest paid in the later stage is less than the principal. No matter what kind of buyers, the monthly repayment amount is the same. The average capital repays the principal the same every month, the interest will decrease with time, and the repayment will decrease month by month.

Knowing the above concepts, I believe that everyone can already use the mortgage calculator, and quickly calculate your monthly payment!

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Provident fund repayment formula calculator

The provident fund calculator is used to calculate the monthly repayment amount (principal and interest) and the total interest to be paid under the provident fund loan model. There are three calculation methods: equal principal repayment, equal principal and interest repayment and free repayment.

First, the calculation method

1. Repayment by average capital

Average capital refers to a repayment method in which the total loan amount is divided into equal parts during the repayment period and the remaining loan is repaid with equal principal and interest every month. In this way, the monthly repayment amount is fixed and the interest is getting less and less. At first, the lender was under great pressure, but as time went on, the monthly repayment amount became less and less. Calculation formula of average capital loan:

Monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.

2. Equal repayment of principal and interest

Matching principal and interest refers to a repayment method of housing loans, that is, the same amount of loans (including principal and interest) are repaid every month during the repayment period. The monthly repayment amount is calculated as follows: [loan principal × monthly interest rate ×( 1 interest rate) repayment months] ÷ repayment months [( 1 interest rate) repayment months-1].

3. Free repayment method

Free repayment means that when you apply for a housing provident fund loan, the housing provident fund management center gives a minimum repayment amount according to your loan amount and term. In the future, on the premise that the monthly repayment amount is not lower than this minimum repayment amount, you can freely arrange the repayment method of the monthly repayment amount according to your own economic situation.

Second, the loan interest rate.

The benchmark interest rate is generally implemented for the first-home provident fund loan, and the benchmark interest rate for the second-home provident fund loan rises by 10%. The following is the latest benchmark interest rate for provident fund loans (implemented after August 26th, 20 15):

Annual interest rate of 5 years or less: 2.75%

Annual interest rate of loans with a term of more than 5 years: 3.25%

Three. Loan repayment instructions

Provident fund is highly sought after by the majority of lenders because of its low loan interest rate and convenient loan procedures. After buying a house with a provident fund loan, how to repay the loan in advance is a knowledge that many people need to know. There are two ways to repay the loan in advance from the provident fund: full prepayment and partial prepayment:

Borrowers who have issued personal housing provident fund loans and whose loans have not yet expired may use self-raised funds to repay the loan principal in advance. The borrower must repay the loan normally for more than one year before applying for prepayment. Among them, if you apply for partial repayment in advance, the minimum repayment amount for each installment shall be 10000 yuan, which shall not be less than the loan principal and interest of 12 months, and the repayment shall be made at regular intervals.

In addition, borrowers who have paid back normally for more than one year can also withdraw the balance in the housing provident fund account for partial or full repayment, but only once.

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Summary of calculation formula of provident fund loan

The calculation formula of provident fund loan is a popular expression of provident fund loan calculator, which is used to calculate the amount (principal and interest) to be repaid every month and the total interest to be paid under the provident fund loan method. There are three calculation methods: equal principal repayment, equal principal and interest repayment and free repayment.

Summary of calculation formula of provident fund loan

matching principal repayments

Average capital refers to a repayment method in which the total loan amount is divided into equal parts during the repayment period, and the same amount of principal and interest generated by the remaining loans in the current month are repaid every month. Because the monthly repayment amount is fixed and the interest is getting less and less, the lender is under great pressure to repay at first, but with the passage of time, the monthly repayment amount is getting less and less.

Calculation formula of average capital loan:

Monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.

Waiting amount for debt service

Matching principal and interest refers to a repayment method of housing loans, that is, repaying the same amount of loans (including principal and interest) every month during the repayment period.

The calculation formula of monthly repayment amount is as follows:

[loan principal × monthly interest rate ×( 1 monthly interest rate) repayment months ]=[( 1 monthly interest rate) repayment months]

Free repayment method

Free repayment means that when you apply for a housing provident fund loan, the housing provident fund management center will give you a minimum repayment amount according to the loan amount and term. In the future, on the premise that the monthly repayment amount is not lower than this minimum repayment amount, you can freely arrange the repayment method of the monthly repayment amount according to your own economic situation.

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Latest provident fund loan amount calculator 20 15

The calculation of provident fund loan should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loanable amount of the lender.

The calculation formula is:

[(total monthly salary of the borrower, monthly contribution of the borrower's housing provident fund) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan term (month).

Use spouse quota:

[(total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan term (month).

Among them, the repayment ability coefficient is 40%.

Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of individual contribution).

How much can the provident fund loan borrow?

I. To apply for withdrawal of housing provident fund, you need to submit a written application to the bank, fill in the Application Form for Housing Provident Fund Loan and truthfully provide the following information:

1, the deposit certificate of the applicant's and spouse's housing provident fund;

2, the applicant and spouse's identity certificate (refers to the resident identity card, permanent residence booklet and other valid residence documents), proof of marital status;

3. Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

4, the purchase of housing contracts, agreements and other valid documents;

5. List of collateral, pledge, certificate of ownership, certificate of consent of authorized disposition, and certificate of collateral valuation issued by relevant departments;

6. The Provident Fund Center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * sign a tripartite contract.

7. Other information required by the Provident Fund Center.

Two, for the loan application with complete information, the bank accepts the examination in time and submits it to the provident fund center in time. The provident fund center is responsible for approving loans and informing banks of the approval results in a timely manner.

Third, the bank informs the applicant to handle the loan formalities according to the approval result of the provident fund center. The borrower and his wife should sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted bank will allocate the loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.

4. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

You don't have to use it to buy a house. 20 1 1 The Ministry of Housing and Urban-Rural Development is working with various departments to study and revise the Regulations on the Management of Housing Provident Funds, and to liberalize the provision that individuals withdraw provident funds to pay housing rent. 20 13 some cities have introduced measures to allow employees suffering from major diseases or their immediate family members to withdraw provident fund for emergency.

Rental conditions: The employee has paid the housing accumulation fund in full for 3 months continuously. If he or her spouse has no own house in the paid city and rents a house, he or she can withdraw the housing accumulation fund of both husband and wife to pay the rent.

Extended data:

Housing provident fund loan conditions:

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. Those who participate in the housing provident fund system must also meet the following conditions when applying for housing provident fund personal housing loans: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than 6 months.

Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

2. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

3. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. while

When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund. The longest term of provident fund loans shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same. The basic conditions for applying for housing provident fund housing loans mainly include three aspects: loan object, loan purpose and basic conditions for housing loans.

The introduction of Guangxi provident fund loan calculator and Guangxi provident fund loan quota calculation is completed. I wonder if you found the information you need from it?