There are usually three types of loan calculators:
Loan calculator provided by commercial banks
This kind of calculator is characterized by relying on the bank website platform and high credibility; The disadvantage is that the calculation conditions are simple, mainly theoretical calculation, regardless of reality. For example, the calculation formula of daily interest rate is generally: daily interest rate = annual interest rate/360; The calculator provided by the bank is generally calculated according to 365, which is different from the actual situation.
Second, the loan calculator provided by the real estate website
This kind of loan calculator is generally based on the loan calculator on the bank website, with little or no change, and its shortcomings are similar to the previous article.
Third, Taobao customer loan calculator
This calculator is a fully customized parametric calculator, and the calculation results are completely consistent with the actual situation, providing more real and powerful data support for your loan decision!
Housing loan calculator formula
The housing loan calculator formula is as follows:
Matching principal and interest: [loan principal× monthly interest rate× (1interest rate )× repayment months ]≤[( 1 interest rate )× repayment months]
Average capital: monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate, where the symbol indicates power. Two months is quadratic.
Extended data:
First, how to repay the mortgage in advance is the most cost-effective:
1. Customers with pure provident fund loans are not recommended to repay in advance.
2. Portfolio loan: According to the actual situation of customers, the general bank will give customers three opportunities to repay in advance. It is best to pay off part of your commercial loans twice and keep the provident fund loans.
3. For pure commercial loan customers, it is most appropriate to calculate the 20-year equal principal and interest according to the interest rate.
Supplementary information:
1. Customers with pure provident fund loans are not recommended to repay in advance. Because the provident fund can only be used for housing and decoration loans, and decoration loans are short-term in nature. The loan interest rate of provident fund is only 3.25%, and no matter what financial management, the income greatly exceeds the loan interest rate, which is beneficial to me.
2. Portfolio loan: According to the actual situation of customers, the general bank will give customers three opportunities to repay in advance. It is best to pay off part of your commercial loans twice and keep the provident fund loans. The monthly repayment is directly deducted from the provident fund account, which saves the greatest worry. But I'd better communicate with the bank in advance about repayment, and I'd better go to the bank for consultation in person. State-owned big banks basically have liquidated damages for prepayment. The first prepayment should be after the first time _ hoop 1 year, usually with interest of 3 months or 6 months, so it is necessary to make preparations in advance.
3. For pure commercial loan customers, it is most appropriate to calculate the 20-year equal principal and interest according to the interest rate. If the customer chooses average capital or 30-year equal principal and interest, plan ahead and reduce the total loan amount to about 400,000 principal, so that the monthly repayment of about 2,200 will not affect family life and ensure the quality of family life. It is best to prepay only twice, otherwise you can't prepay and transfer when you sell the house.
2022 housing loan interest rate
1.2022 personal first home loan interest rate policy: what is it now?
The interest rate of the first home loan is lower, which can be reduced to 4.4%.
On May 15, the central bank and the China Banking Regulatory Commission released the latest news: for households who purchase ordinary self-occupied houses by loans, the lower limit of the interest rate of commercial personal housing loans for the first suite will be adjusted to not less than the quoted interest rate in the loan market minus 20 basis points. According to the latest (that is, April 2022) LPR, the price is 4.6% for more than 5 years, that is, the interest rate of the first home loan is not less than 4.6%. After this notice, the interest rate of the first home loan can be lowered to 4.4%.
Second, the first personal housing loan interest rate calculator in 2022
If the loan is 6,543.8+0,000 yuan, the loan term is 30 years, the repayment of principal and interest is equal, and the mortgage interest rate is 4.6%, the monthly payment is about 565.438+0.26.44 yuan, and the total interest is 845.500 yuan. After it is reduced to 4.4%, the monthly payment is about 5007 1 yuan, and the total interest is 802,700 yuan, saving more than 40,000 yuan. 500 thousand 30-year loan interest can save 20 thousand. Third, does the adjustment of mortgage interest rate have an impact on the repayment of purchased houses?
Whether the increase in the benchmark mortgage interest rate has an impact on buyers depends on the specific situation.
1. If the floating interest rate was stipulated in the contract signed by the previous buyers when they applied for the mortgage, the increase of the benchmark mortgage interest rate will have a certain impact on it. Because it is a floating interest rate, if the bank raises the bank's mortgage interest rate according to the benchmark interest rate, then the buyers will repay the remaining mortgage according to the raised interest rate, instead of still paying the mortgage according to the mortgage interest rate at the time of signing the contract, which will also allow customers to pay more mortgages. However, if banks lower the mortgage interest rate, buyers will have to pay less mortgage.
2. If the buyers agree on a fixed interest rate when signing the mortgage contract, the increase of the benchmark interest rate of the mortgage will not affect it. Because no matter how the bank adjusts the bank's mortgage interest rate, the buyers pay the mortgage according to the mortgage interest rate stipulated when signing the contract before.
Bank of China loan interest rate calculator
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.
This concludes the introduction of housing loan interest rate calculator and housing loan interest rate calculator 202 1. I wonder if you found the information you need from it?