Matching principal and interest repayment method is the default repayment method of banks, which means that borrowers repay loan principal and interest with the same amount every month, also known as matching principal and interest repayment method. How to calculate the monthly payment of provident fund loans? Description: I want to buy a house with a provident fund loan. How much can I borrow if I want to pay 800 yuan back in a month? It means that the borrower repays the loan principal and interest with the same amount every month. Matching principal repayment means that the borrower repays the principal in equal amount every month, and the loan interest decreases month by month with the principal, and the repayment amount also decreases month by month. 1. Equal principal and interest repayment method Equal principal and interest repayment method is the default repayment method of the bank, that is, the borrower repays the loan principal and interest with the same amount every month, also known as equal repayment method. The characteristic of equal principal and interest repayment is that the principal and interest of monthly repayment are the same. Although this repayment method is easy to budget and the initial repayment pressure is reduced, the interest of initial repayment accounts for most of the monthly repayment, and the proportion of principal in repayment gradually increases and the proportion of interest gradually decreases, thus achieving a relative balance. The interest paid by this repayment method is high, but the pressure of prepayment is not great. This repayment method is suitable for ordinary wage earners. Calculation method of equal principal and interest repayment: [loan principal × monthly interest rate× (1interest rate) repayment months ]÷[( 1 interest rate) repayment months-1] equal principal and interest repayment calculator 2. Average capital repayment method average capital repayment method is that the borrower repays the principal in equal amount every month, and the loan interest decreases with the principal, and the repayment amount also decreases month by month. The repayment method in average capital is characterized by monthly repayment of principal and daily calculation of interest according to the loan principal amount. The early repayment is large, and the monthly repayment is gradually reduced. The interest paid by this repayment method is low, but the pressure of prepayment is great. Therefore, this repayment method is suitable for families with better economic income. Average capital repayment method calculation formula: monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate How to repay the Beijing provident fund loan Description: Premise: RMB 3,000 yuan should be repaid every month, and the provident fund should be repaid 1.500 yuan (company individual), with a provident fund account of 30,0001,and only 3000 can be deposited in the designated bank card. 2. The monthly contribution of the provident fund is 1500, and the deposit in the bank is 15003. The deposit in the provident fund account can be paid monthly (3000 is deducted directly from the provident fund account). 4. The deposit in the provident fund account can be paid monthly (3000 is deducted directly from the provident fund account). 4. (Some cities can) or ask professionals to answer for me by other means. Every city is different: the monthly repayment is 3,000 yuan, the monthly provident fund payment is 1.500 yuan (company individual), and the designated bank card can only deposit 3,000 yuan. 2. The monthly provident fund payment 1500 is deposited in the bank, and the repayment method is provident fund account 15003: the borrower opens a savings passbook in the loan undertaking bank, and the bank withholds the repayment. The borrower shall ensure that the savings passbook account has sufficient funds before the monthly repayment date. Repayment time: If the loan undertaking bank is Industrial Bank, the borrower shall repay the loan to Japan in the following month. For example, if the loan is completed on the 6th of this month, the borrower should repay the loan on the 6th of the following month. If the loan undertaking bank is another bank, the borrower shall repay the loan on June 5438+05 of the following month. Several problems that should be paid attention to in the process of loan handling. Please prepare all the materials needed to apply for a loan as required. The bank savings passbook provided by the applicant must be used for bank withholding and repayment (it must be submitted to the bank counter staff when opening the passbook); When the applicant receives the notice of transfer from the housing provident fund service hall, he should also bring a notarial certificate in addition to the registered loan contract and other materials. The situation varies from place to place, and the above is for reference only. How to repay the provident fund loan correctly? Problem description: The loan is 200,000 yuan, which will be paid off in 20 years, with a monthly income of about 3,000 yuan. What is the most suitable repayment method? Is the average capital decreasing or increasing? 1. There are two repayment methods for provident fund loans: one is equal principal and interest. Although it is possible to pay a little more interest in the end, it is less than the equivalent principal repayment, which reduces the pressure. After all, wages will rise in the future; Two: monthly repayment. There may be too much backlog of principal and interest at the end of the year, which will cause great repayment pressure. It is better to pay a certain amount of money every month to eliminate the pressure unconsciously. In this process of use, if you have extra deposits and don't want to use them, you must apply for partial repayment of the principal in advance so as to reduce the principal and interest in the future. Three: do it for a long time. The main reason is that the monthly repayment amount will be reduced, and the pressure on myself will be reduced to the maximum extent. In the process of using this fund, it may not take 30 years, but it may be paid off in 10. The long-term purpose is mainly to prevent short-term but delayed repayment due to various reasons. 2 provident fund loans refer to loans enjoyed by employees who have paid housing provident fund. According to the national regulations, all employees who have paid the provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans. How to repay the provident fund loan? After June 65438+1 October1in 2005, the housing provident fund was freely repaid. Free repayment means that when a borrower applies for a housing provident fund loan, the provident fund management center gives a minimum repayment amount according to the borrower's loan amount and term, and then freely arranges the monthly repayment amount according to his own economic situation on the premise that the monthly repayment amount is not lower than this minimum repayment amount. Under the free repayment mode, the borrower can notify the center in the following two ways: 1. The borrower can adjust his monthly repayment amount through the telephone voice system of 96 155. The Borrower shall make adjustment within three working days (excluding the repayment date) before the current repayment date, and the monthly repayment amount shall not be adjusted from three working days before the repayment date to the repayment date. The borrower can only change the repayment amount through the telephone voice system of 96 155 after the current repayment date. 2. The borrower can go to the counter of the loan business department and handle the business of adjusting the monthly repayment amount through the written entrustment of the counter. The borrower shall also make adjustments three working days before the current repayment date (excluding the repayment date), and the monthly repayment amount shall not be adjusted from three working days before the repayment date to the repayment date. When handling, you must bring your original ID card and a copy of your ID card, and sign the borrower's notice to adjust the monthly repayment. The loan business department shall examine and approve the borrower's application for adjusting the monthly repayment amount after receiving it. The borrower can only go to the loan business department to adjust the monthly repayment amount once per period. Problem description: I want to buy a house with a provident fund loan. I have 80,000 yuan in my provident fund card and want to borrow 370,000 yuan. What can I do to make a good deal? Besides, can I wash away some loans with the money in my card? Which repayment method is appropriate? How to calculate the interest of 370,000 yuan and how to repay the housing provident fund loan Description: How to repay the housing provident fund loan Another is the monthly repayment method, that is, there are two main ways to use the housing provident fund to repay the housing loan, so as to continuously improve your repayment ability and reduce the monthly repayment amount in the future. Both of them try to use the housing provident fund: one is the one-time repayment method, that is, the housing provident fund is withdrawn once a year to repay the loan principal in one lump sum, which is equivalent to repaying the loan in advance once a year. Reduce the borrower's monthly cash expenditure and reduce the financial pressure of cash flow. There is no difference between the two methods, and the borrower needs to choose according to his own situation. But no matter which way to buy a house is a commercial loan, how to use the provident fund to repay the loan because it is a house bought by a commercial loan, then if you want to use the housing provident fund to repay the loan, the most common thing is to withdraw the housing provident fund to repay the commercial loan. Because the housing provident fund regulations in each region are different, they are all similar. Generally speaking, if you buy the first set of self-occupied housing and choose to use commercial loans and the loans have not been paid off, you can withdraw the housing provident fund. Under normal circumstances, when employees buy the first self-occupied housing and apply for personal housing commercial loans, they are allowed to withdraw the storage balance (excluding the amount below 100 yuan) in their own and their spouses' housing provident fund accounts to repay the principal and interest of commercial loans, and the processing cycle is 1 time every year until the loan balance is settled. Of course, there is another way, that is, to convert commercial loans into housing provident fund loans. If you don't withdraw the provident fund to repay the commercial loan, you can apply to convert the commercial loan into a provident fund loan, and then go directly to the local housing provident fund management center for entrusted deduction, and then you can directly use the balance of the provident fund account to deduct the provident fund loan year by year or month. Repayment by deduction can be entrusted: monthly repayment by deduction; Deduction and repayment year by year-reducing the monthly payment method; Deduct repayment year by year-shorten the term. The borrower and his spouse must choose the same entrusted deduction method to repay the loan. The above are two basic ways to repay the housing provident fund for commercial loans. It should be noted that the local regulations are slightly different, and the regulations of the local housing provident fund management center shall prevail.

2. What are the repayment methods of Beijing provident fund loans?

1: The simplest thing is to see which banks your company pays. Only the state-owned banks pay fees in CCB, and the rest are municipal banks.

2. basically, the principal should pay less interest, but the pressure is great. The monthly repayment of principal and interest is fixed, but the interest is high.

3. The loan amount is multiplied by the corresponding private loan life coefficient.

Buying a second set of provident fund with a commercial loan for the first time can also be regarded as the first set. If it is the first time to purchase a second set of commercial loans with provident fund loans, it will be calculated according to the second set. At present, it is suggested that if you buy a house for the first time, you can use a commercial loan first. If you have no plan to buy a second set, you can directly use the provident fund.

Third, how to use the Beijing husband and wife provident fund together?

When handling provident fund loans, only one party can make loans. Even if two people's names can be printed on the house, the loan repayment can only be completed by one person. But after buying a house, both husband and wife can withdraw the provident fund. At this time, it can be seen that two people jointly use the provident fund and the husband and wife jointly repay the loan, which can greatly alleviate the loan pressure. In Beijing, if the unit benefits well, the husband and wife provident fund can add up to loans, or even have.

4. What are the repayment methods of Beijing provident fund loans?

According to the current Beijing housing provident fund loan policy, there is only one free repayment method for the housing provident fund loan that started on June 65438+ 10/in 2005. Under the free repayment mode, the borrower's monthly repayment amount can be adjusted above the minimum monthly repayment amount, and the monthly repayment amount will offset the principal after deducting the interest payable this month, that is, the total amount of principal and interest repaid under the free repayment mode is determined according to the borrower's actual monthly repayment amount. For details, please call the service hotline of Beijing Housing Provident Fund Management Center 12329.