Average capital refers to a repayment method in which the total loan amount is divided into equal parts during the repayment period, and the same amount of principal and interest generated by the remaining loans in the current month are repaid every month. Because the monthly repayment amount is fixed and the interest is getting less and less, the lender is under great pressure to repay at first, but with the passage of time, the monthly repayment amount is getting less and less. [ 1]

Calculation formula of average capital loan:

Monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.

Average capital method

Matching principal and interest refers to a repayment method of housing loans, that is, repaying the same amount of loans (including principal and interest) every month during the repayment period.

The calculation formula of monthly repayment amount is as follows:

[loan principal × monthly interest rate ×( 1 monthly interest rate) repayment months ]=[( 1 monthly interest rate) repayment months]

Free repayment method

Free repayment means that when you apply for a housing provident fund loan, the housing provident fund management center will give you a minimum repayment amount according to the loan amount and term. In the future, on the premise that the monthly repayment amount is not lower than this minimum repayment amount, you can freely arrange the repayment method of the monthly repayment amount according to your own economic situation.

The benchmark interest rate is generally implemented for the first-home provident fund loan, and the benchmark interest rate for the second-home provident fund loan rises by 10%. The following is the latest benchmark interest rate for provident fund loans (implemented after 20 15-3- 1):

Annual interest rate for 5 years or less: 3.5%

Annual interest rate of loans with a term of more than 5 years: 4.0%

Guangzhou provident fund loan amount calculator

The loan amount for Guangzhou employees to purchase housing provident fund loans should meet the quota standard: according to. The calculation formula of housing provident fund deposit above the loan amount is: account balance × monthly deposit amount × retirement age months 2. Higher than the housing provident fund loan amount, the loan amount for applying for housing provident fund is 500,000 yuan or buying the same set of self-occupied housing twice * * * The loan amount for applying for housing provident fund loan is 0,000 yuan per loan amount. 3. It is higher than the loan amount determined by referring to the differentiated housing credit policy. (1) Apply for housing provident fund loan to purchase the first set of ordinary self-occupied housing and pay it to employees' families (including loans, spouses and other places). The down payment ratio is 2 0% lower than the loan interest rate, and the benchmark interest rate of housing provident fund loans; (two) there are housing loans or housing records and the corresponding housing loans have been settled, and the families of workers apply for housing provident fund loans to buy ordinary self-occupied housing. The down payment ratio of loan interest rate is as low as 30%, and the benchmark interest rate of housing provident fund loans has doubled; (3) Households with outstanding housing loans apply for housing provident fund loans to purchase ordinary self-occupied housing loans, and the down payment ratio is as low as 40% loan interest rate. The benchmark interest rate of housing provident fund loans is in accordance with. Match four times. Suspension of the third purchase and housing provident fund loans.

20 1 1 what is the latest formula for calculating the loan amount of Guangzhou provident fund? Do you have a professional calculator?

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Formula 20 1 1

Calculation formula of loanable amount of personal provident fund loan:

Loan amount = "total monthly deposit balance × retirement years (months )× 2 "× 2

Go to Jingyu to calculate online. They can tell you the latest news.

20 16 housing commercial loan calculator

Commercial loans and provident fund loans are the two preferred ways to buy a house. Compared with provident fund loans, the expected annualized interest rate of commercial loans is slightly higher, but the loan period is longer, which reduces the pressure on consumers. Do you know how to calculate the loan amount of commercial housing?

Repayment method of housing commercial loan:

1, repayment method of equal principal and interest

That is, the borrower repays the loan principal and interest with the same amount every month, also known as the equal principal and interest method. It is characterized by the same principal and interest in monthly repayment, which is easy to budget, and the initial repayment pressure is reduced, but the interest in initial repayment accounts for most of the monthly repayment, and the proportion of principal in repayment is gradually increased, while the proportion of interest is gradually reduced, thus achieving a relative balance. The interest paid by this repayment method is high, but the pressure of prepayment is not great.

2. Average capital repayment method

That is, 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, so it is also called the diminishing method. Its characteristic is to repay the principal every month and calculate the interest on a daily basis according to the loan principal amount. The early repayment amount is large, and the monthly repayment amount is gradually reduced. The interest paid by this repayment method is low, but the pressure of prepayment is great.

20 16 explanation of the maximum amount of provident fund loans: (see the documents of the local housing authority for specific provisions)

Beijing: The maximum loan for the municipal provident fund is 6.5438+0.2 million yuan, and the maximum loan for the state provident fund is 6.5438+0.2 million yuan.

Shanghai: The maximum personal provident fund loan is 600,000, and the maximum family loan is 654.38+0.2 million.

Guangzhou: The maximum loan for individual provident fund is 600,000 yuan, and the maximum loan for husband and wife is 654.38+0.2 million yuan.

Chengdu: The maximum amount of personal and family provident fund loans is 600,000 yuan, and the amount of Chengdu provident fund loans is 30 times the balance of personal deposits.

20 18 Guangzhou provident fund loan amount formula teaches you how to calculate the loan amount!

According to the regulations of Guangzhou Provident Fund Center, the loan amount of Guangzhou Provident Fund has been adjusted on 20 18. This will tell you the formula of Guangzhou provident fund loan amount. You can calculate the specific loan amount according to your own situation, but you must meet the loan conditions in advance, otherwise you can't buy a house with a provident fund loan.

20 18 Guangzhou provident fund loan amount formula

1, and the loan amount is calculated according to the deposit amount of individual housing provident fund.

Formula: account balance × deposit amount in August × months from retirement age.

Note: Only in this case can there be a specific loan quota formula, and the rest of the loan quotas are written descriptions, so I will introduce you to other quota calculation methods.

20 18 calculation of Guangzhou provident fund loan amount

1. If one person applies for individual housing provident fund loan, the maximum amount is 600,000 yuan; Two or more people apply for provident fund to buy the same suite, and the maximum amount is 6,543,800 yuan.

2. The monthly deposit of the provident fund loan amount does not exceed 50% of the family income, which is generally calculated according to the after-tax income of both husband and wife.

Relatively speaking, the calculation method of 20 18 Guangzhou provident fund loan amount is relatively simple. As long as you pay attention to the above three situations, you can easily calculate the loan in the end. However, the provident fund loan requires the borrower's age, and the lender's age is related to the loan period. The sum of the borrower's age and loan term shall not exceed 5 years after retirement age. The retirement age is generally calculated as 60 for men and 55 for women. Estimated the loan amount, want to know the monthly repayment amount? Click to enter the provident fund loan calculator.

In fact, the loan amount formula of Guangzhou provident fund can only be considered as one kind of situation. How much loan amount can be obtained in the end depends on the approval result of Guangzhou Provident Fund Center. It is suggested that the lender can appropriately increase the monthly deposit, which will also help to increase the loan amount of Guangzhou provident fund. Of course, if the monthly salary itself is relatively low, this method is not applicable.

So much for the introduction of Guangzhou loan line calculator.