There are two main ways to calculate mortgage: average principal and equal principal and interest. Matching principal and interest repayment method: monthly repayment amount = [loan principal × monthly interest rate ×( 1+ monthly interest rate )× repayment months] ÷ monthly repayment amount [( 1+ monthly interest rate )× repayment months]. Average repayment method: monthly repayment amount = (loan principal ÷ repayment months)+(loan principal-accumulated repaid principal) × monthly interest rate.

How many ways are there to buy a house loan?

1, housing provident fund loan.

Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks (only half of the mortgage interest rate of commercial banks), but also there are spread funds, mortgage interest rates and bank deposit interest rates between housing provident funds. At the same time, the cost of housing provident fund loans for mortgage and insurance is halved.

2. Commercial loans.

Commercial loans are also bank mortgage loans. The balance of the loan bank deposit shall not be less than 30% of the funds required for house purchase, and shall be used as the down payment for house purchase. The assets confirmed by the loan bank are: as mortgage or pledge, or as a unit with sufficient compensation capacity, or as a guarantor who repays the principal and interest of the loan and assumes joint liability. Individuals can apply for bank mortgage loans.

3. Portfolio loan.

Personal housing portfolio loans, the core of housing provident fund management can be issued through provident fund loans, and the upper limit is generally 65438+ 10,000 to 290,000 yuan. If the purchase price exceeds this limit, the insufficient part must apply to the bank for commercial housing loans. These two types of loans are collectively referred to as consolidated loans. The interest rate of consolidated loans is relatively moderate, the loan amount is relatively large, and lenders use it more.

How much is the mortgage down payment?

1. First-hand house down payment calculation method: down payment = total house payment-customer loan amount; Loan amount = contract price (market price) ×80% (the first loan amount can be as high as 80%)

2. Calculation method of second-hand house down payment: net down payment = actual sales price-customer loan amount (net down payment: excluding national taxes and fees and intermediary service commission down payment); Loan amount = appraised price of second-hand house ×80% (the first loan amount can reach 80%); The loan amount can be estimated according to the contract price ×85%, and the approximate evaluation price can be estimated. The bank loan interest rate is comprehensively evaluated according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different.

Although there are regulations, as long as you take 30% of the total house price, there is still a loan problem. Take the above-mentioned house with a total house price of 6,543,800 yuan as an example. If the provident fund loan is adopted, both husband and wife can borrow 450,000 yuan, then the remaining house price must be paid down, that is, 6,543,800 yuan-450,000 yuan = 550,000 yuan, that is, the down payment is 550,000 yuan. If you use a commercial loan, you need to examine your family income and repayment ability to see how much you can borrow. The total house price minus the loan amount is also the down payment.