Please pay attention to the official account of "Bank of China Micro-Banking" WeChat, select the function of "Microfinance-Function Hall-Financial Tools and Information Inquiry-Loan Calculator" in the menu below, and enter the calculation conditions according to the page prompts for inquiry. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
Second, the mortgage calculator
Download a small application called "Scientific Loan Calculator" with Android mobile phone. There is a small encyclopedia in it, which you can look at and set up multiple prepayment.
Third, how much can the mortgage be borrowed? Mortgage calculator?
Sometimes people are in urgent need of money in an emergency, but they can't make it at the moment. Most people will choose mortgage loans, but how much can they borrow from their own houses? This also depends on the actual situation of the house. Many people don't know how the amount is calculated. Today, Bian Xiao will introduce how much money can be borrowed from house mortgage. Mortgage calculator? I hope that after reading it, everyone can clearly understand their own real estate pricing.
How much can a mortgage loan have?
1. The amount of mortgage loan is related to many factors, such as the age of the house, the age of the borrower, the liquidity and liquidity of the property, etc. In a word, these will affect the evaluation of real estate and the proportion of loans. The higher the evaluation value of real estate and loans, the more money you can borrow. The appraised value of real estate and the loan ratio will affect the loan amount of the house.
2. Calculation formula of housing mortgage loan amount: loan amount = real estate appraisal value × loan ratio.
3. The age of real estate has become the audit standard for many banks to issue loans. Under normal circumstances, the longer the house age, the smaller the room for housing preservation, the lower the proportion of approved loans, and may even not approve loans. For houses with remote locations and small areas, the loan ratio is generally low. Because the location is remote, the area is small, and the liquidity of the property is even worse, the loan ratio is low, and even the loan may not be available.
4. Generally, there is no fixed mortgage loan. Generally speaking, it depends on the appraised price of the house. This evaluation price is not what you think, so it must be evaluated by a professional organization.
5, it depends on the specific situation of your house, such as year, region and so on. , property rights issues and so on. Occasionally I will look at your personal situation, such as repayment ability and personal credit limit.
Mortgage calculator?
1. First, choose whether your repayment method is average capital or equal principal and interest, and fill in the commercial loan term, loan amount and actual loan interest rate; Select whether to display repayment details, and click "Calculate" to obtain detailed information such as monthly repayment amount, total loan interest, and total repayment amount in each installment. Through the loan calculator, users can more conveniently calculate how much money they need to pay back each month, which is very convenient for users.
2. The bank loan calculator is highly reliable, but it is mainly based on theory and will be different from the actual calculation. The loan calculator of the real estate website is mainly based on the bank loan calculator. Of course, in addition to the above classification methods, you can also set up a loan calculator according to the repayment method. At present, the benchmark interest rate for commercial loans with a loan term of more than 5 years is 4.90%. Due to the policy of restricting purchases and loans, the preferential interest rates of local banks for the first home loan are different.
3. The interest rate of the second home loan generally rises 10%. During the same period, the benchmark interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans generally rose 10%.
That's what Bian Xiao shared with you today about how many mortgages you can borrow. Covers all the contents related to the housing mortgage calculator. Bian Xiao believes that after reading the above knowledge, you should clearly understand the current housing loan problem. We should pay attention to all the details when handling housing mortgage loan, because the amount of housing mortgage loan is not only related to the property itself, but also closely related to personal income and reputation, so Bian Xiao hopes that you will be vigilant and handle the loan smoothly.
4. How to calculate the monthly interest of mortgage loan?
The calculation formula of monthly loan interest: loan principal x monthly interest rate /30 (days) x one month (30 days) = calculation of monthly loan interest 1. Calculation of short-term loan interest Short-term loans (with a term of less than one year, including one year) bear interest according to the legal loan interest rate of the corresponding grade on the signing date of the loan contract.
During the loan contract period, in case of interest rate adjustment, interest will not be calculated by installments. Short-term loans are settled quarterly, and the 20th day of the last month of each quarter is the settlement date; If the interest is settled on a monthly basis, the 20th of each month is the interest settlement date. The specific interest settlement method shall be determined by the borrower and the lender through consultation. Interest that cannot be paid on schedule during the loan period shall be compounded quarterly or monthly according to the loan contract interest rate, and after loans overdue, at the default interest rate. When the last loan is paid off, the profit will be paid off with the principal. 2. Calculation of medium and long-term loan interest The interest rate of medium and long-term loans (with a term of more than one year) is fixed at one year. The loan (including all the funds that should be allocated by installments within one year from the effective date of the loan contract) bears interest according to the legal loan interest rate of the corresponding grade on the effective date of the loan contract, and one year later, the interest rate of the next year is determined according to the legal loan interest rate of the corresponding grade at that time (the first loan is paid by installments). Medium and long-term loans are settled quarterly, and the 20th of the last month of each quarter is the settlement date. The interest that cannot be paid on schedule during the loan period shall be compounded quarterly according to the contract interest rate, and after loans overdue, it shall be compounded at the default interest rate. 3. Interest will be charged in one lump sum at the discount rate determined on the discount date. 4. Loan extension, cumulative calculation of term. When the cumulative term reaches the new interest rate term grade, interest will be calculated according to the same grade listed on the extension date from the date of extension; If the new term grade cannot be reached, the interest will be calculated at the original grade interest rate on the extension date. 5. For overdue loans or misappropriated loans, from the date of overdue or misappropriated loans, default interest will be charged at the default interest rate until the principal and interest are paid off, and interest will be calculated by stages when the default interest rate is adjusted. Interest that cannot be paid on schedule during loans overdue or misappropriation shall be compounded quarterly (short-term loans can also be monthly) according to the penalty interest rate. Just like loans overdue's misappropriation, we should choose carefully and not combine. 6. When the borrower repays the loan before the expiration date of the loan contract, the lender has the right to charge the borrower interest according to the original loan contract.