By 221, the house loan will be 2, years, and the monthly repayment amount is 2,111.55 yuan.

In p>214, China Bank announced that the annual interest rate of loans with a term of more than five years was 4.9%. According to the trial calculation of the benchmark interest rate, under the condition that the interest rate remained unchanged, the repayment method was "equal principal and interest repayment", with a total interest of 53,385.75 yuan and a monthly repayment amount of 2,111.55 yuan.

house loan, also known as house mortgage loan, refers to the application for house mortgage loan made by the buyer to the bank, and provides the required documents such as ID card, income certificate, house sales contract, guarantee, etc. After passing the examination, the bank promises to issue loans to the buyer, and according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer.

The mortgage of real estate generally requires the following conditions:

1. A natural person with full capacity for civil conduct is generally under 65 years of age at the maturity date of the loan;

2. Have legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status;

3. Good information recording and repayment willingness;

4. Have a proper occupation and a stable income source, and have the ability to repay the loan principal and interest on schedule;

5. The property right of the mortgaged house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage. The mortgaged house is not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by the real estate department and land management department.

above content reference: Baidu encyclopedia-real estate mortgage