I calculated it according to your down payment of 30%, and then the loan will be repaid in 20 years, which is your first house.
Total house price: 378,000 yuan
Total loan: 264,600 yuan
Total repayment: 380,485.59 yuan.
Interest payment: 1 15885.59 yuan.
Down payment: 1 1340 yuan.
Number of months of loan: 240 months
Average monthly repayment: 1585.36 yuan.
But personally, I suggest that if you buy the first house, it is appropriate to use commercial loans. Find a 30% discount, as long as it's 30% discount, not too expensive. Because you can use the provident fund to buy a second house in the future, it will not involve the problem of increasing interest on your second house, which is equivalent to the same interest as buying the first house!
Finally, I wish you a happy family, brother!
2. How to calculate the monthly contribution of provident fund?
1. repayment method of equal principal and interest: monthly repayment amount = [loan principal× monthly interest rate× (1interest rate )× repayment months ]=[( 1 interest rate )× repayment months].
2. Average principal repayment method: monthly repayment amount = (loan principal ÷ repayment months) (loan principal-accumulated repaid principal) × monthly interest rate.
3. How to calculate the housing provident fund loan?
Anyone who has continuously paid the housing provident fund for more than 6 months or accumulated the provident fund for more than 1 year and is still paying the provident fund is eligible to apply.
Customers who conduct the preliminary examination of provident fund loans need to calculate the number of loan sets on a family basis. Loans of more than 90 square meters, the loan ratio is 70%; Within 90 square meters, the loan ratio is 80%; The second set is 50%; Then, according to local regulations, if the loan amount is capped, the second set of housing provident fund loans will still be 4.455%, and the third set of housing loans will be cancelled.
It also depends on how old the house you buy is. Loans for old houses can only be made for 15 years, and loans for new houses can be made for up to 30 years. And there is a maximum loan amount, because I can't judge the conditions given! I can't judge whether you can borrow 420 thousand. If the loan is insufficient, a combination loan is needed.
The specific algorithm has a special fast interest rate table: go to the intermediary and ask for one.
15 Yes
74.22
420,000× 74.22 = 3117.24 yuan/month repayment.
30 years is
48.03
420000×48.03 = 20 17.26 yuan/month repayment.
If your monthly income is 4200 yuan, you can't get a loan for 15 years, because your monthly income must be twice the monthly repayment amount before the bank can pass!
I don't know if you understand! I don't understand the suggestion to find an intermediary for specific consultation!
Four, the calculation of provident fund loan amount
Calculation method of provident fund loan amount: if calculated according to repayment ability, the loan amount is [(total monthly salary of the borrower, monthly contribution of the housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month); If calculated according to the house price, the loan amount is the loan amount = house price × loan ratio. 1. Actual repayment ability Loan amount = (sum of the borrower's monthly contributions to the provident fund/sum of the contributions of units and individuals) 35%1February refers to the contributions of units and individuals to the provident fund, which is generally 8%- 12%. For example, Xiaoming is going to apply for a 20-year provident fund loan. Every month, his units and individuals will each pay the 600 yuan Provident Fund, with the contribution ratio of 12%. Then Xiaoming's loan amount = (600600)/(12%12%) 35%1220 = 420000 yuan. Two. Loan amount of housing provident fund deposit = (balance of borrower's provident fund deposit and spouse's provident fund deposit) 20 times the borrower's deposit time coefficient. For example, Xiaoming's account has 20,000 yuan, and he has paid the provident fund for less than two years. Then according to this formula, Xiaoming's loan amount = 20000200.8 = 320,000 yuan. Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. "Regulations on the Administration of Housing Provident Fund" Article 27 An applicant applying for a housing provident fund loan shall provide a guarantee.