Question 1: How to calculate the mortgage? According to the calculation formula of general mortgage repayment methods, there are two types: 1. Matching principal and interest repayment method: during the repayment period, the same amount of loans (including principal and interest) are repaid every month, so that the monthly repayment amount is fixed, which can control the expenditure of family income in a planned way and facilitate each family to determine the repayment ability according to their own income. Calculation formula of equal principal and interest: [loan principal × monthly interest rate ×( 1 interest rate )× repayment months] ⊙[( 1 interest rate )× repayment months-1] Calculation principle: from the 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. For example, the interest rate of short-term loans (including six months) stipulated by the central bank is 5. 10%. If the loan of 20,000 yuan is paid off in six months, the total interest will be 298.55 yuan, and the monthly interest will increase by 3,383.09 yuan. 2. average capital repayment method: Repay the principal in equal amount every month, and then calculate the interest according to the remaining principal, so you will pay more interest at first, so the repayment amount will be more at first, and then it will be reduced every month in the following time. The advantage of this method is that it is more suitable for families with strong repayment ability. Average capital calculation formula: monthly repayment amount = (loan principal/repayment months) (principal-accumulated principal repaid) × monthly interest rate average capital calculation formula: monthly repayment amount = monthly principal and interest = principal/repayment months = (principal-accumulated repayment amount) × monthly interest rate calculation principle: monthly principal repaid remains unchanged, and interest decreases with the decrease of remaining principal.

Question 2: How to calculate the mortgage loan? At present, there are two repayment methods commonly used in bank mortgage loans, namely, equal principal and interest repayment and equal principal repayment. The former refers to the borrower's fixed monthly repayment; The latter means that the borrower repays the principal unchanged every month, and the interest decreases with the repayment of the loan. However, buyers must pay attention to the repayment method: if your income is high, you may wish to choose the equal principal repayment, thus saving loan interest. If the borrower wants to calculate his monthly payment, he can do so in the following two ways:

formula computing

The formula for calculating the monthly repayment amount of equal principal and interest: monthly repayment amount = monthly interest rate of loan principal {[( 1 interest rate) repayment months ]/[( 1 interest rate) repayment months ]C 1} (Note: ""means "several times").

In which: monthly interest = residual principal × monthly interest rate of loan; Monthly principal = monthly contribution-monthly interest.

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

Calculation formula of monthly repayment amount in average capital: monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) monthly interest rate.

explain

Suppose Li now needs to borrow 250,000 yuan from the bank to buy a house, and the loan period is 15 years. So, what is the most suitable repayment method?

Let's calculate the monthly payment that Li needs to pay first.

Monthly repayment of equal principal and interest =2 184.65 yuan.

Number of repayment months = 30 days in the current month =15x12 =180 months.

Monthly interest rate = annual interest rate/12 = 6.55%/12 = 0.55%.

In the first month, average capital =25/ 18025x0.55%=2763.9 yuan.

And so on: the second monthly payment = 25/180 (25-25/180) x 0.55% = 2756.25 yuan.

The third monthly payment = 25/180 (25-25/180x2) x 0.55% = 2747.9.

Question 3: How to calculate the formula of house price loan: principal and interest repayment method, that is, repay the loan principal and interest in equal amount every month during the loan period, and the calculation formula of monthly repayment amount is:

Monthly repayment amount = loan principal × monthly interest rate ×( 1 interest rate) repayment months /[( 1 interest rate) repayment months-1]

The other is the repayment method in the average capital (interest is paid with the principal), that is, the loan principal is repaid in equal amount every month, and the loan interest decreases with the principal month by month. The calculation formula of monthly repayment amount is:

Monthly repayment amount = loan principal/months of loan term (principal-accumulated amount of repaid principal) × monthly interest rate.

Question 4: Please tell me the detailed calculation formula of individual housing loan. There is nothing today, so I will give you a detailed answer. Since the loan can't reach one place, only a few thousand, then your loan amount should be 755 thousand yuan.

1, and the monthly repayment formula of equal principal and interest is as follows:

Annual interest rate of principal/12( 1 annual interest rate/12) loan months /(( 1 annual interest rate/12) loan months-1)

note:

"Power" means how much power.

So the formula brought in is

7550006.8%/ 12 ( 16.8%/ 12) 360/(( 16.8%/ 12) 360- 1) = 4922.

Over the past 30 years, your total repayment amount is 4922438+02 = 65438+38+0933 yuan.

The principal is 755,000 yuan and the interest is 10 16933 yuan.

2. The average capital, as the name implies, is that the principal paid every month is the same.

Then the principal in your monthly payment is 755,000/30/12 = 2097.22 yuan.

The interest in the monthly payment is calculated as follows: the monthly interest rate of the current month's principal.

In the first month, your principal is 755,000 yuan, so your interest in the first month is 7550,006.8%/12 = 4,278.33 yuan.

Plus the principal, your first monthly payment is 6375.56 yuan.

In the second month, your principal is 755000 yuan -2097.22 yuan = 752902.78 yuan.

Then your interest for the second month is 752,902.786.8%/12 = 4,266.45 yuan.

Plus the principal, your second monthly payment is 6363.67 yuan.

Less than the first month 12 yuan or so.

In the third month, your monthly payment is 635 1.79 yuan.

In the fourth month, your monthly payment is 6339.90 yuan.

In the fifth month, your monthly payment is 6328.02 yuan.

The algorithm will be the same every month.

3. I calculated that if you pay back by the repayment method of average capital, the interest you have to pay for the whole 30 years will be 779.8+07 yuan.

In the way of matching principal and interest just calculated, your interest for the whole 30 years is 10 16933 yuan.

4. The final interest difference is that the equal principal and interest is about 244,693 yuan more than the average capital.

Question 5: How to calculate the monthly payment for buying a house 1. Loan policy.

There are many policies, but I mainly tell you some common situations.

1. First of all, the loan amount. For the first house, individuals can borrow 70% of the total house price, which is 30% of the total down payment.

If it is a second-hand house, tax, comprehensive tax, personal income tax, evaluation fee and so on will be generated in the transaction.

Originally, these taxes were borne by both parties to the second-hand housing transaction (I hope so. )

But in the second-hand housing market, there is such a hidden rule that all taxes are borne by the buyer. For a 2 million house, the tax to be paid for buying a house is nearly 200,000 yuan, which should be paid off at the time of down payment. In other words, for example, if you buy a 200W second-hand house, the down payment was originally 200.30% = 600,000, but you have to take out 600,000 at one time.

For the second house, the loan amount is 60%, that is, the down payment should reach 40%.

Let me remind you that you can't apply for a loan for a house built 85 years ago Pay attention when buying an old house! For example, for a 40W house in 1984, you have to pay back 40W at one time, and there is no possibility of any loan.

Second, the annual interest rate of the loan.

The latest annual loan interest rate in 2008 is as follows:

Category item

Annual interest rate (%)

I. Short-term loans

Within six months (including six months) 6.57

Six months to one year (including one year) 7.47

Second, medium and long-term loans

One to three years (including three years) 7.56

Three to five years (including five years) 7.74

More than five years 7.83

Third, discounts.

Discount is determined by taking the rediscount rate as the lower limit and adding points.

According to the annual interest rate standards promulgated by the above countries, ordinary banks will now give customers some concessions. The limit of the discount is: the annual interest rate goes down 15%. For example, a 20-year mortgage loan, that is, the annual interest rate of more than 5 years is 7.83%, and the bank can calculate it according to your interest rate of 6.65%.

As long as everyone has a number, the general bank will take the initiative to provide it. If they don't say anything, you can ask if it has fallen 15%.

Third, the types and calculation methods of monthly payment.

There are two monthly repayment methods: average capital repayment method and matching principal and interest repayment method.

First of all, explain what repayment includes.

Total loan repayment = loan principal loan interest, which I believe everyone has no problem, that is, the so-called interest has interest!

Let's explain these two situations:

The average capital, in layman's terms, is to repay average capital plus the current month's interest. In other words, divide the total loan principal into certain equal parts. The number of shares is the number of months of your loan life. For example, if you borrow 20W and pay it back in 20 years, then the monthly average capital is: 200,000 /20 years, 65,438+February. So the average monthly capital has been made clear. Then once a month. In this way, in the average capital, the monthly interest is different, because the monthly interest = the monthly interest rate of the remaining principal of the month. As you pay off a certain amount of principal every month, the remaining principal will be less and less, so the interest will be less and less.

Monthly average capital payment = monthly average capital interest rate = monthly average capital (monthly interest rate of residual principal)

Where the monthly interest rate = annual interest rate/12.

Therefore, the average monthly capital payment is different. It will be higher in the first few months, and less later. Until the last month, the principal is 0 and the interest is 0.

Matching principal and interest, in layman's terms, means that the principal and interest repaid every month are the same, that is, the amount repaid every month is the same. The calculation method of this thing is more complicated.

I just provide you with a calculation formula here, and interested friends can calculate it.

A = p {I (1I) n/[(1I) n-1]} (n is exponential)

A: Monthly contributions.

P: total donations

I: monthly interest rate (annual interest rate/12)

N: Total months of contribution (year × 12)

Example: Buy a house with a price of 500,000 yuan, and the first transaction is 654.38+0.5 million yuan. ......

Question 6: How to calculate the house loan? Generally speaking, there are two common types, both of which are long-term loans, which are divided into fixed principal and interest and fixed principal. Fixed principal and interest means less principal paid in advance and more interest paid later. There are computing tools on the internet. After finding them, you can directly input and calculate your principal and interest. This loan method pays the same amount every month, but the total interest of the whole loan process is high, which is unfavorable for early repayment. The fixed principal is the same as the monthly principal, and then the monthly interest is calculated by multiplying the unpaid principal by the interest rate/12, which is easy to calculate by EXCEL. This kind of loan method, the principal remains unchanged, the interest gradually decreases, and the front-end repayment pressure is high, the back-end pressure is low, and the total interest in the whole loan process is low, so it can be repaid at any time.

In addition, some small banks that are rarely used have introduced rolling loans, which are actually 30-year loans, but they can be re-signed once every three years (that is, re-borrowed once). This kind of interest rate is relatively low, but it is more troublesome to operate and not all banks can do it.

For your reference!

Question 7: How to calculate the mortgage for buying a house? Your interest rate should be 7.05%, and the monthly payment is 2272 yuan. Loan for 25 years =300 months (period)

You used the method of equal principal and interest. The principle of this algorithm is: the money you borrowed from the bank = the money you paid back to the bank.

Counting the money you borrowed from the bank first, you borrowed 320 thousand, so

1 month later, the money you borrowed became 323,200 7.05% = 320,000 (17.05%).

Two months later, the borrowed money became 320000 (17.05%) 2 (2 stands for square).

After 3 months, the borrowed money became 320,000 (17.05%) 3.

?

After 300 months, the borrowed money became 320,000 (17.05%)300.

Counting the money you paid back,

The first month, 2272,

The second month was 2272, and the money in the first month became 2272( 17.05%).

The third month is 2272, and the money in the second month becomes 2272( 17.05%), but the money in the first month becomes 2272 (17.05%) 2.

?

2272 in the 300th month and 2272 in the 299th month (17.05%)? The money in the first month became 2272 (17.05%) 299.

The loan is paid off, and the money you borrowed from the bank = the money you paid back from the bank, so there is

320000( 17.05%)^300=2272( 17.05%)2272( 17.05%)^2? 2272( 17.05%)^299

Taking any number as a variable, you can find its value, but ordinary calculators can't, so you need to use financial calculators or online mortgage calculators.

Yes, that's how banks make profits. After 25 years of loan, you pay more interest than the principal, so you should repay it as soon as possible and reduce the interest payment.

Question 8: How to calculate the term of housing loan? The husband and wife are divorced, and they have an existing property (the house is a second-hand house) and a car. First, the original owner entrusted a third person to sell the house and signed a house sales contract with the man. After that, the original owner issued a transfer authorization, and both the transferee and the trustee were men. After that, the couple registered to get married. After marriage, I went through the formalities of house transfer and got a loan. When the house was transferred, the bank still had 250 thousand loans outstanding. After the transfer, the housing loan increased to 450,000, and the house was used as a mortgage loan. Of the extra 200,000 yuan, 6.5438+0.8 million yuan is used for car purchase, and 20,000 yuan is used for daily consumption. The house was worth 500,000 when it was purchased and transferred, and now it is worth 654.38+00,000. The current value of the vehicle is 654.38+ten thousand yuan. After borrowing, * * * repays the principal of RMB 6,543,800+and the interest of RMB 6,543,800+5,000. The real estate license is the name of the man, the borrower is the man and the woman is the mortgagor. There is relevant evidence above. Question 1: Apart from the repayment, can the property be recognized as the property of the man before marriage? Reason and basis. Question 4: Does the down payment amount of pre-marital real estate affect the distribution of real estate? When handling the transfer, there is an evaluation of the house.

Question 9: How to calculate the house loan? The total amount of expert consultation is 687,500 yuan. If your minimum down payment is 30%, the down payment should be 206,250, and the total loan amount is 48 1.250 yuan. The down payment is 206,2501250 = 207,500 yuan. The total loan amount is 480,000 yuan only.

If the benchmark interest rate of bank loans is 6.55%

10 years, monthly payment of more than 5460. Interest is 655500 yuan, and interest 175500 yuan.

15 years, the monthly payment is about 4,200 yuan, with interest of 755,000 yuan and interest of 275,000 yuan.

If the loan interest rate can be 15% off. 5.22% interest rate

The monthly payment of 10 is about 5 150, with interest of 6 17000 and interest of 137000.

15 the monthly payment is about 3,850 yuan, with interest of about 690,000 yuan and interest of about 210.3 million yuan.

The discount of interest rate depends on whether there is a discount on the loan.

The monthly payment depends on your repayment ability and down payment ratio.

Generally speaking, the more down payment, the shorter the loan term, the less interest you pay and the lower the monthly payment.

The lower the down payment, the longer the loan term, and the more interest you have to pay, but the monthly payment will not be much.

Question 10: How to calculate the mortgage loan? Real estate mortgage loan is calculated according to your loan amount, loan term and annual interest rate of 4.9% (more than five years). Assuming that the loan is 1000000 yuan and the loan term is10 year, the interest payable is:

1000000 x 4.9% x10 = 490000 (yuan)

How to calculate the mortgage interest rate

The calculation formula of mortgage interest is: interest = principal × interest rate × deposit period (i.e. time).

According to the repayment formula of general mortgage loans, it can be divided into two types:

1. Equal principal and interest calculation formula: calculation principle: the bank receives the interest of the remaining principal first, and then receives the principal from the monthly contribution; 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.

Second, the average capital calculation formula:

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: the amount of principal returned every month is always the same, and the interest will decrease with the decrease of the remaining principal.

Housing loans mainly include the following:

1. Housing provident fund loan: For residents who have already paid the housing provident fund, low-interest housing provident fund loans should be the first choice when buying a house. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks).

2. Personal housing commercial loans: The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans.

I. The interest rate conversion formula for RMB business is (note: common for deposits and loans):

1. daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30.

2. Monthly interest rate (‰) = annual interest rate (%)÷ 12

Two, banks can use product interest method and transaction interest method to calculate interest.

1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:

Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.

2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:

If the interest-bearing period is a whole year (month), the interest-bearing formula is:

① Interest = principal × year (month )× year (month) interest rate

If the interest-bearing period is a whole year (month) and days, the interest-bearing formula is:

② Interest = principal × year (month) × year (month) interest rate principal × odd days × daily interest rate.

At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:

③ Interest = principal × actual days × daily interest rate

These three formulas are essentially the same, but because the interest rate conversion is only 360 days a year, when calculating the actual daily interest rate, it will be calculated as 365 days a year, and the result will be slightly biased.

Which formula is used specifically, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract.

How to calculate the mortgage

The calculation method of mortgage is:

(1) Equal monthly repayment amount of principal and interest = [loan principal× monthly interest rate× (1interest rate )× repayment months ]=[( 1 interest rate )× repayment months];

(2) Average monthly repayment amount of funds = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.

legal ground

Article 32 of the general principles of loans

The borrower shall repay the loan principal and interest in full and on time in accordance with the provisions of the loan contract. The lender shall issue a notice of repayment of principal and interest to the borrower before the short-term loan expires 1 week and the medium-and long-term loan expires 1 month; The borrower shall prepare funds in time and repay the principal and interest on schedule. The lender shall promptly issue a notice of overdue loan collection, and do a good job of overdue loan principal and interest collection. Lenders charge interest on loans that cannot be repaid within the time limit stipulated in the loan contract; If the principal and interest cannot be repaid or cannot be executed, it should be urged to repay or repay according to law. The borrower shall negotiate with the lender when repaying the loan in advance.

Please click to enter the picture description (maximum 18 words).

How to calculate the mortgage

The specific calculation method is as follows:

Take 200,000 and 20 years as examples.

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. Under the current policy, the first suite is generally calculated according to the benchmark interest rate:

1 and July 7th, after adjustment, the interest rate over five years is 7.05%, and the monthly interest rate is 7.05%/ 12.

2. Repay 200,000 yuan every month in 20 years (240 months).

3.2000007.05%/ 12 ( 17.05%/ 12) 240/[( 17.05%/ 12) 240- 1].

4. Description: 240 is the power of 240.

Extended data:

Procedures for monthly mortgage payment terms:

People are most concerned about the conditions and procedures in the purchase loan. First of all, the information to be provided for housing loan:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

2. The original purchase agreement.

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number is 1 copy.