1, for housing loan, according to the personal housing loan interest rate stipulated by the People's Bank of China; Personal commercial housing loans are subject to the regular interest rate stipulated by the People's Bank of China. Because banks are more professional in calculating the interest of housing loans, we can use formulas to calculate it personally. Take the provident fund loan as an example. For loans over five years, the monthly interest rate is 3.375%. For example, the loan of 65,438 yuan+0,000 yuan will be paid off in 20 years, and the lender needs to repay 60.86 yuan every month.
2. To get a house loan, you need to know that if your house loan is based on average capital, the formula is monthly repayment amount = principal n+ residual principal * monthly interest rate, and total interest = principal * monthly interest rate * (loan months /2+0.5). As can be seen from this calculation method, the repayment method in the average capital is decreasing month by month, which is suitable for friends with strong repayment ability. With the formula of housing loan, the calculation is relatively simple. At the same time, the most important factor affecting mortgage is the down payment ratio. At present, the country has begun to regulate the real estate market, so the proportion of mortgage loans is also increasing, which has a certain impact on our mortgage requirements. At present, the country has raised the interest on mortgage, which will also affect the proportion of our loan funds, so we must be cautious in buying a house.
3. To apply for a housing loan, you also need to prepare an application for personal housing loan, a copy of my ID card, a certificate of the borrower's stable economic income or other proof of repayment ability issued by the relevant department recognized by the handling bank, a legally purchased housing contract, agreement and related approval documents, and a bank deposit receipt.
4. After the materials are ready, you can apply for a loan from the loan bank, wait for approval, sign a loan contract, and then go through the loan guarantee formalities at the property rights department, sign a repayment agreement and transfer money. Finally, let the housing lender go to the loan bank to get the loan according to the time agreed with the housing loan bank, and the loan bank will transfer the money to the selling unit. The above is the answer to the house loan.
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