Hello, the loan is 300,000.00 yuan, 65,438+05 years, and the repayment situation is as follows: under the benchmark interest rate, the equal principal and interest will be repaid at a monthly rate of 2,554.32 yuan (RMB), with a total repayment of 459,777.6438 yuan +05.05 yuan and a monthly repayment of 2,406.75 yuan (RMB) (the first suite). Under the benchmark interest rate of 433,265,438+04.28 yuan, the total repayment amount of average capital in the first month is 32,065,438+0.67 yuan, and under the interest rate of 15%, the total repayment amount of average capital in the first month is 438,965,438+0.42 yuan.
Second, how much can a house loan be borrowed?
There is no uniform regulation on how much a house loan can be borrowed. The specific loan amount needs to be determined according to the loan identification and income. For example, an ordinary office worker has a salary of just over 2,000 yuan and a loan of only 20,000-30,000 yuan. If the boss of an enterprise has an annual output value of hundreds of millions and assets of tens of millions, then he can borrow tens of millions. If it is a super-large enterprise, it can handle hundreds of millions to hundreds of millions of loans. There is no regulation on how much money and assets a person can borrow. According to your own situation. Commercial loans are not capped, but borrowers must have sufficient repayment ability. It also depends on the amount of the borrower's income certificate. The monthly income of the income certificate must be more than twice the monthly payment. Monthly payment 1 0,000 yuan, and proof of income must be above 2000 1. There is an upper limit for provident fund loans, and the upper limit of each place is different. The maximum amount of Beijing provident fund loan is 6,543,800 yuan+0.2 million yuan. At present, the state stipulates that individuals or families can only have two loans, and it is forbidden to issue third loans.
Third, how much can a mortgage loan cost?
The loan amount can only be determined according to the bank's evaluation of the value of your house. Generally, it will be lower than its assessed value, and at the same time, it is necessary to have a house property certificate to lend money.