Does the increase in mortgage interest rate have an impact on buyers?
The adjustment of mortgage interest rate has no effect on the repayment of the purchased house. The loan interest rate of the purchased house is based on the benchmark interest rate of the central bank, which is determined by the bank in combination with the actual situation. As long as the benchmark interest rate of the central bank remains unchanged, the repayment of the purchased house will not change. However, from June 8 10, the benchmark mortgage pricing is no longer based on the benchmark interest rate of the central bank, but on the lower limit of the lpr interest rate, and then rises according to the actual situation, but it does not affect repayment.
Calculation method of housing loan
1, before buying a house with a loan
Before buying a house with a loan, consumers can use a mortgage calculator with the ability to buy a house. This function can calculate the total purchase price within the family's ability according to the total amount of funds allocated by consumers to purchase houses, family income, monthly purchase expenditure, loan period, housing area, etc., so as to make an objective evaluation of housing selection, housing comparison and repayment ability.
2. When buying a house with a loan
When buying a house with a loan, users can choose a loan calculator that contains equal principal and interest, average capital and provident fund. Its purpose is to calculate the total loan amount, interest amount, monthly repayment amount and other information by consumers choosing different loan types, repayment years and loan interest rates, so as to accurately calculate the loan and repayment information of specific housing types for consumers.
3. After buying a house with a loan
After buying a house with a loan, consumers can choose prepayment calculator and tax calculator. The prepayment calculator refers to the consumer's calculation of prepayment expenses in different time periods according to the basic information of his loan products, so as to compare the interest difference between prepayment and normal repayment.
The above small series introduces whether the increase in mortgage interest rate has an impact on buyers. The trend of mortgage interest rate adjustment has no effect on home buyers' repayment. These related common sense can be referred to and understood. What is the calculation method of housing loan? For example, some expenses before buying a house with a loan, and the expenses when buying a house with a loan, etc. These specific common sense should not be ignored. You can learn more and refer to the specific content.