We are not as complicated as you do credit and calculate liabilities. When you say that you are in high debt, you mean that you have no repayment ability after income-expenditure. Some companies that mortgage houses are liabilities and some are assets.
Where do you work?
Lending companies need general lending companies to count 10% of running water as your income and measure the amount with repayment ability.
Second, how to calculate the mortgage of 400,000 yuan for a 60-square-meter house?
I want to buy a 600,000 house, but I can't get a loan. You need to pay a certain down payment, usually 30% of the house value, which is 1.8 million. So under such circumstances, many people will choose to borrow 400 thousand.
If you want to buy a 600,000 house, it is impossible to get a full loan. You need to pay a certain down payment, generally 30% of the house value, that is, 1.8 million yuan. So under such circumstances, many people will choose to borrow 400 thousand.
So the loan is 400 thousand, how much is the monthly payment? At present, the benchmark interest rate of commercial loans is 4.35% for one year, 4.75% for one to five years, and 4.90% for more than five years. Today, we will choose several common loan terms to calculate the monthly repayment amount (taking the loan for 40 years as an example).
Waiting amount for debt service
1, loan for 5 years, monthly repayment of 7502.76 yuan, interest payment of 50 165.89 yuan, total repayment of 450 165.89 yuan.
2. Loan 10 years, with an average monthly repayment of 4,223.10 yuan, and interest 10677 1.50 yuan, with a total repayment of 50,6771.50 yuan.
3. Loan 15 years, monthly repayment of 3 142.38 yuan, interest payment of 165627.84 yuan, and total repayment of 565627.84 yuan.
4. After 20 years of loan, the average monthly repayment is 26 17.78 yuan, the interest is 228,266.29 yuan, and the total repayment is 628,266.29 yuan.
5. The loan lasts for 30 years, with an average monthly repayment of 2 122.9 1 yuan, interest of 364,246.48 yuan, and total repayment of 764,246.48 yuan.
matching principal repayments
1, the loan lasts for 5 years, and the interest is 4829 1.67 yuan, and the total repayment amount is 44829 1.67 yuan. The repayment amount is 8,250.00 yuan in the first month, and 26.39 yuan less every month thereafter.
2. Loan 10 year, interest 988 16.67 yuan, total repayment amount 4988 16.67 yuan, first month repayment amount 4966.67 yuan, monthly repayment amount 13.638+0 yuan.
3. Loan 15 years, interest paid 1478 16.67 yuan, total repayment of 5478 16.67 yuan, repayment of 3855.56 yuan in the first month, and less repayment of 9.08 yuan every month thereafter.
4. The loan lasts for 20 years, with interest of 1968 16.67 yuan and total repayment of 5968 16.67 yuan. The repayment amount in the first month is 3300.00 yuan, and the monthly loss thereafter is 6.865438 yuan +0 yuan.
5. The loan lasts for 30 years, the interest is 2948 16.67 yuan, and the total repayment is 6948 16.67 yuan. The repayment in the first month is 2744.44 yuan, and then the monthly repayment is 4.53 yuan less.
Through comparison, we can find that for the same repayment period, the total interest paid by equal principal and interest is more, and the prepayment in average capital is greater. With the same repayment method, the longer the loan term, the less the monthly payment and the more the total interest.
Third, how to calculate the value-added of mortgaged houses?
Hello, I'm Xiaohua from Nine Real Estate. I have been in business for six years. You want to know how much money you earn. First of all, we need to know the cost of buying a house, a mortgaged house, the original purchase price, the tax when buying, and how much interest to pay when selling = the cost of buying a house. If it's bigger than this, you can make money.
Fourth, how to calculate the value of the mortgaged house?
The value of the mortgaged house mainly depends on the location of the house and the appraisal price of the house by the third-party appraisal company entrusted by the bank.