1. Second-hand house mortgage loan calculator

Calculation of second-hand house mortgage loan interest rate 1. Basic formula for calculating interest. The basic formula for calculating interest on savings deposits is: Interest = Principal × Deposit Period Month) = daily interest rate × 30 (days); daily interest rate = annual interest rate ÷ 360 (days) = monthly interest rate ÷ 30 (days). The interest rate used should be consistent with the deposit period. 3. Interest calculation starting point 1. The interest calculation starting point for savings deposits is yuan, and no interest will be paid on cents below yuan. 2. The interest amount is calculated to the nearest cent, and the cent will be rounded to the nearest cent upon actual payment. 3. Except for the annual settlement of current savings, which can transfer interest to the principal to earn interest, for all other savings deposits, regardless of the deposit period, the interest will be paid off along with the principal when withdrawn, without compound interest. 4. Calculation of deposit period 1. Calculate the deposit period by counting the beginning and not the end. 2. Regardless of whether it is a big month, a small month, an ordinary month or a leap month, each month is calculated as 30 days, and the whole year is calculated as 360 days. 3. The maturity dates of various deposits are calculated on a year-to-month basis. If the account opening date is a missing date in the expiration month, the last day of the expiration month will be the maturity date. 5. Calculation of interest on foreign currency savings deposits. The interest rate on foreign currency savings deposits shall comply with the interest rates announced by the People's Bank of China. Savings in the original currency shall be carried out and interest shall be calculated in the original currency (the auxiliary currency may be converted into RMB for payment according to the foreign exchange rate of the day). The interest calculation regulations and calculation methods are similar to the RMB savings method.

2. How to calculate second-hand house tax calculator, second-hand house mortgage loan down payment calculation

The current down payment situation of real estate can be divided into:

1. In the case of the first house, the minimum down payment for purchasing a new house with an area of ??no more than 90 square meters can be 20%;

2. In the case of a second house, the down payment can be as low as 20%;

3. In the case of a suite, the bank that needs a loan may not grant the loan based on the housing price;

4. Third,

3. How to calculate the monthly mortgage payment for a second-hand house

Monthly payment of second-hand housing mortgage loan:

188.24 in 5 years

106.31 in 10 years

79.33 in 15 years

66.27 in 20 years

It is the coefficient of a simple algorithm for equal principal and interest given by the bank (85% off), monthly payment = loan amount (10,000 yuan) coefficient

The specific algorithm is as follows:

Monthly payment = loan amount (yuan) monthly interest rate (1 month interest rate) ^ number of loan repayment months / [(1 month interest rate) ^ number of loan repayment months - 1]

PS: monthly interest rate =Annual interest rate/12

For example, the current annual interest rate is 5.94%, and the monthly interest rate=5.94%/12=0.495%

At the 15% discount, the monthly interest rate=0.495%0.85=0.42075 %

At a 30% discount, the monthly interest rate = 0.495% 0.7 = 0.3465%

Just substitute it into the formula above.

The interest rate for second-hand housing loans over 5 years is 5.04, based on 10,000 yuan:

Loan for 5 years, monthly payment is 195 yuan,

Loan for 10 years , monthly payment is 114 yuan,

loan for 15 years, monthly payment is 96 yuan,

loan for 20 years, monthly payment is 75 yuan,

loan for 25 years, monthly payment 68 yuan,

Loan for 30 years, monthly payment is 64 yuan.

4. How to calculate the loan repayment ratio?

1. Calculation formula for equal principal and interest loans:

Monthly repayment amount (referred to as monthly principal and interest) = loan principal Number of months]/([(1 month interest rate)^number of repayment months]-1)

2.

2. Calculation formula for equal-amount principal loans: monthly repayment amount (referred to as monthly principal and interest) = (loan principal/number of repayment months) (principal - cumulative amount of repaid principal) Monthly interest rate. Later, the amount gradually decreased.

For example: If you have a stable monthly income of 80,000 yuan and a loan of 420,000 yuan, based on a consumer loan with a monthly interest rate of 1%, the monthly payment is 37,316; the loan repayment ratio = 37,316/80,000 = 46.6%; it will not exceed 50%. If the monthly interest rate is 2%, the monthly repayment is 39,715; the loan repayment ratio = 39,715/80,000 = 49.6%.