If the loan principal is 2 million yuan and the term is 15 years, the average capital will be used.

The repayment method should adopt the benchmark annual interest rate.

More than the People's Bank of China.

5-year loan: 4.90% (unchanged), monthly payment 157 1 1.88.

：

1. Theoretically speaking, interest refers to the amount increased after monetary capital is injected into the real economy and returned to the real economy. Generally speaking, it refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for using the borrowed currency or capital. Also known as the principal of sub-fund and parent fund. Interest is a certain amount of principal generated by borrowing, which reflects different modes of production.

Under different social and economic relations. In the capitalist mode of production, interest is the division of average profit, and profit is surplus value.

The transformation form of. Therefore, interests reflect the relationship between exploitation and exploitation between capitalists and employees.

2. Under the socialist mode of production, the benefits come from the net income of joint workers, which reflects the distribution relationship between joint workers. Interest itself has a quantitative limit. The lender gives up the monetary capital (or monetary capital) that can be multiplied, so he must be paid, so the interest cannot be zero, let alone negative. Borrowers borrow monetary capital (monetary capital) for the purpose of obtaining profits, and it is impossible to give all income to lenders in the form of interest. Therefore, there is the same upper and lower limit between the lender's interest and the enterprise's profit, that is, the average profit of capital (or capital) is zero interest. The amount of interest is affected by the average profit rate.

Market competition, supply and demand of loan funds (or loan funds), loan risk, loan term, commodity price level, bank charges, social habits, national interest rate level, national economic policy and monetary policy.

And other factors. Interest is usually divided into annual interest, monthly interest and daily interest, including deposit interest, loan interest and interest on various bonds. In a certain period, the ratio of interest to principal is the interest rate.

3. From the lender's point of view, loan risk refers to the lender's operation of the loan.

The possibility of facing various losses in the course of operation. The loan risk is usually borne by the lender. The loan risk can be measured. The loan risk can be measured. Through the comprehensive investigation of some factors, we can calculate the probability of recovering the loan principal and interest on schedule before and after the loan is issued. The so-called loan risk degree refers to the measurement of loan risk degree. The degree of loan risk is a specific quantitative index that can be measured. It is usually greater than 0 and less than 1. The greater the loan risk, the less likely it is to recover the loan principal and interest on schedule. On the contrary, the smaller the loan risk, the greater the possibility of recovering the loan principal and interest on schedule.

What are the requirements for the second mortgage of Kunshan house?

With the increase of housing demand, more and more investors turn to buying houses to get high returns. However, due to the problem of funds, houses are often mortgaged for other investments. What are the conditions for the second mortgage of Kunshan house? Then let's take a look!

1. The lender must provide relevant documents, such as ID card and marriage certificate. 2. If the mortgaged house has no debt and holds the real estate license, the mortgage contract and mortgage repayment certificate shall be provided. 3. The construction period and location of the mortgaged house meet the requirements of bank loans. The lender must be an adult, but not over 65 years old, and have a stable income and job.

If the lender's property is mortgaged and the mortgage loan has not been paid off, banks often need to evaluate it before making a second mortgage. The amount obtained by subtracting the outstanding mortgage from the evaluation value is the amount of two mortgages. If the house is paid in one lump sum, the bank will also make an evaluation first, and subtract the amount of the first loan from the evaluation value, and the remaining amount is the amount of the two mortgages.

If the purchased mortgaged house has obtained the real estate license, it needs to be mortgaged twice. If the mortgage loan has been completed for six months, it meets the loan conditions, but the interest rate is much higher, which means that the lender's economic pressure is greater. If the mortgage time is less than half a year, because the title certificate is mortgaged in the bank, it is impossible to make a second mortgage. As for the loan amount, it needs to be determined according to the repayment space and the appreciation space of the house.

Therefore, when we apply for two mortgage, we'd better consult the relevant banks in advance and apply according to the local loan policy. Usually, two mortgage loans and the first loan are handled in the same bank, and the interest rates of other mortgage loans are the same.

I hope the above answers are helpful to you.

Can Kunshan mortgage house be mortgaged twice? How much is the interest?

A mortgaged house can be mortgaged. There are usually two methods:

1, through bank loans. Usually, it needs to be repaid in advance, and after paying off the remaining loan of the property, it will be mortgaged again in other banks. However, in some banks, mortgaged houses can be directly refinanced. Banks have different requirements for the second loan of mortgage houses. It is recommended that you consult your local bank outlets in detail.

2. Loans through guarantee companies. There is no need to prepay, but the loan amount generally cannot exceed the residual value of the mortgaged property.

It should be noted that not all properties can be mortgaged twice. The second mortgage of real estate is usually restricted by certain conditions. The conditions are: the house used for personal housing in the second mortgage must be an existing house, and the house should be a high-quality house or commercial house with great market development potential. If the property has no high economic value, it is usually impossible to apply for a loan smoothly. In other words, usually only houses with superior location, convenient transportation, complete facilities and great appreciation potential can apply for a second mortgage.

In addition, the amount of the second mortgage property will not be very high. Generally speaking, loan amount = mortgage rate of house value-principal balance of original loan.

This answer sheet is provided by Kangbo Finance. It focuses on interpreting hot financial events, popularizing financial knowledge, pursuing professionalism and interest, providing financial content that people can understand, and conveying financial value in vivid and diverse ways. I hope this answer is helpful to you.