Anti-loan refund is an unusual policy. You borrow money from the bank in a lump sum, and then the bank pays the money to the developer, and the developer returns the money to you according to the corresponding distribution rate.

Second, what do you mean by anti-lending?

It is an unusual policy to borrow money from the bank once you pay the full amount, and then the bank pays the money to the developer, and then the developer returns the money to you according to the corresponding distribution rate.

I. Housing loan

1. When buying a house with an equal principal and interest loan, the formula for calculating the monthly repayment amount is:

[loan principal × monthly interest rate ×( 1 monthly interest rate) repayment months ]=[( 1 monthly interest rate) repayment months]

Calculation principle: from the beginning of monthly contribution, the bank collects the interest of the remaining principal first, and then the principal; The proportion of interest in monthly payment decreases with the decrease of residual principal, and the proportion of principal in monthly payment increases with the increase, but the total monthly payment remains unchanged.

2. When buying a house with an average capital loan, the formula for calculating the monthly repayment amount is:

Monthly repayment = monthly principal, monthly principal and interest

Monthly principal = principal/repayment months

Monthly principal and interest = (principal-total accumulated repayment) x monthly interest rate

Calculation principle of average capital interest rate: the amount of principal returned every month is always the same, and interest will decrease with the decrease of remaining principal.

Third, what is the real estate anti-mortgage loan?

Real estate anti-mortgage loan

4. What does anti-loan mean?

Anti-lending is an unusual policy. You borrow money from a bank in a lump sum, and then the bank pays the money to the developer, and the developer returns the money to you according to the corresponding distribution interest rate.