1, loan amount The more the loan amount, the more the monthly payment, but the less the down payment. The loan amount depends on the total house price and the down payment amount in the commercial housing sales contract (the total house price is related to the price assessed by the appraisal agency).

2. Benchmark interest rate The benchmark interest rate is not fixed, and the central bank will constantly change and adjust according to the economic situation in different periods. At present, the benchmark interest rate of commercial loans of Chinese banks is 4.9. There is no fixed adjustment time and frequency for the adjustment of the benchmark interest rate.

3. The longer the loan term, the lower the benchmark interest rate and the less the monthly payment. The loan period is related to the service life of the remaining land of the house and the age of the lender. Under normal circumstances, the older lenders of commercial mortgage loans are no more than 65 years old and the loan period is no more than 30 years. The age of provident fund lenders shall not exceed the retirement age, men shall not exceed 60 years old, and women shall not exceed 55 years old.

4. Pay attention to the factors that affect the monthly supply.

(1) The benchmark interest rate changes periodically with the adjustment of the central bank, and the adjustment cycle of each bank will be different, some quarterly and some once a year. Please consult the loan bank for details.

(2) The fluctuation of interest rate follows the whole loan cycle until the loan is settled. If the loan bank gives you a 10% discount, your mortgage will be implemented according to this discount until the loan is paid off. Similarly, if the floating interest rate is 10%, the floating interest rate is 10% until the mortgage is paid off.