Now more and more people choose to settle in cities, and buying a house has become the first thing to be solved. So how is the mortgage interest calculated? What are the forms of mortgage? Today, I will introduce a 20 19 mortgage calculation tool for you to calculate the monthly repayment amount, total amount, total interest and other related data at one time.

I. 20 19 mortgage calculation tool

With regard to mortgage calculation, there are tools on the relevant real estate trading platforms, such as Anjuke and Fangtianxia, and some loan information platforms will be involved, such as official website, where all the calculation tools have been summarized.

Second, the mortgage calculation method

There are three forms of mortgage, one is provident fund loan, the other is commercial loan, and the other is portfolio loan. As we all know, provident fund loans have the lowest interest rate, commercial loans have high interest rate, and portfolio loans have both. However, the approval process of provident fund loans is more troublesome. If it is slow, it will take several months. Many real estate developers will deliberately obstruct and hope that customers will choose commercial loans.

According to the 30-year mortgage, the annual interest rate of provident fund loans is commercial loans. However, if the customer's house price is 1 10,000 and the down payment is 300,000, then the remaining 700,000 loans can be entered into the calculator according to the repayment method of equal principal and interest. Under the same conditions, it is found that commercial loans need to be repaid 37 16 yuan per month, while provident fund loans only need 3047 yuan, although it seems nothing every month.

The above is a brief introduction about mortgage calculation. Generally speaking, it is convenient to use tools. You can try it if necessary.