Standard interest rate: 6.55% (annual interest rate), with a loan of 6,543,800 yuan+7,000 yuan.
Loan 10 year, monthly payment 1934 yuan, total interest 62 157 yuan;
Loan 15, monthly payment 1485 yuan, with total interest of 97,400 yuan;
Loan for 20 years, monthly payment 1272 yuan, total interest 135396 yuan;
The loan is 25 years, the monthly payment is 1 153 yuan, and the total interest is 175950 yuan.
Note: The longer the loan time, the less interest will be repaid every month, and the shorter the time, the better, because the relative interest can be paid off in advance.
Extended data:
First-hand housing down payment calculation method:
Down payment = total house price-customer loan amount; Loan amount = contract price (market price) × 80% (the first loan amount can be as high as 80%)
Second-hand housing down payment calculation method:
Net down payment = actual sales price-customer loan amount (net down payment: excluding national taxes and fees and intermediary service commission); 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.
Baidu encyclopedia-housing loan