The down payment is 204,000 yuan and the balance is 65,438 yuan+036,000 yuan. How to pay the monthly payment, and buy a house for the second time?
What is the down payment and monthly payment for the house of 22,300 yuan?
What is the down payment and monthly payment for a 2.3 million house?
We bought a house with a total value of 2.3 million, so if we are the first suite, then our down payment is 32.3 million, that is, we pay 800,000 service fees, and the remaining 6.5438+0.5 million, then we have to mortgage for 20 or 30 years. If we can get a mortgage for 30 years, it will be about 50,000 yuan a year, so our monthly payment will be 5,000 yuan.
How much is the down payment and monthly payment for the 34,000 house?
Calculate how much it will cost to decorate your home.
In addition to paying the down payment, buying a house will cost a lot later, so many people will plan ahead. How much is the down payment and monthly payment for a 400,000 house? Let's do the math together!
400,000 fangzitou
The first suite of 400,000 yuan needs a down payment of 6.5438+0.2 million yuan. The monthly payment depends on the loan method. If you choose a commercial loan, the loan principal is 280,000 yuan and the term is 20 years. Choose the repayment method of equal principal and interest, with a monthly repayment of 2096 yuan; It is estimated that the principal and interest of the whole period will be repaid in equal amount, with a monthly repayment of 2,695 yuan, and the principal and interest of the whole period is expected to be 464,000 yuan.
How to calculate the down payment and monthly payment of the house?
First, the house down payment
Total house price-loan amount = down payment for the first suite. Total = loan amount. According to the implementation standard of the first suite, the down payment ratio of commercial loans for new houses is 30%, the down payment ratio of provident fund loans with the first suite area less than or equal to 90_ shall not be less than 20%, and the down payment ratio of housing provident fund loans with the area greater than 90_ shall not be less than 30%.
Second, the house monthly payment
1, equal amount
At the beginning of equal principal and interest repayment, the interest is more than the principal, and the principal is increased, which is more suitable for people with low income and little savings. Because the monthly repayment amount is the same, the monthly payment pressure is small, and the quality of life can also be guaranteed, which will not be reduced because of the loan. The formula is: [loan principal × monthly interest rate ×( 1 monthly interest rate) repayment months] ÷ [( 1 monthly interest rate) repayment months-1]; In which symbols represent power.
2. Equal copies
The average capital repays the loan principal in equal amount every month, but the monthly interest will decrease month by month; The total repayment interest is less than the equal principal and interest, which is more suitable for people with high income and certain savings. The calculation formula is: monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.
Matching principal and interest (1 monthly interest rate) ÷ (1 monthly interest rate) ÷ repayment months-1]; In which symbols represent power.
Bian Xiao concluded: I have introduced the down payment and monthly payment of 400,000 houses here, hoping to help you.
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4. What is the down payment and monthly payment for a 2 million house?
For a house of 2 million yuan, if the repayment method of the general capital house is followed, the down payment will be 30%. If you want to pay in full in ten years, you have to pay back 14780.58 yuan per month, and if you want to pay in full in 30 years, you have to pay back 4926.8 yuan per month. Similarly, if the repayment is made within 10 years according to the repayment method of equal principal and interest, the repayment in the first month will be 17986.88 yuan. Then it will gradually decrease every month. If you want to pay back in 30 years, you need to pay back 5977.33 yuan every month, and then decrease it every month. Can't I make a down payment on the house loan? According to the regulations, the commercial housing sales contract stipulates that if the buyer fails to conclude a commercial housing secured loan contract due to one party's reasons, and the commercial housing sales contract cannot be continued, the other party may request to terminate the contract and compensate for the losses. If the contract for the sale of commercial housing cannot be continued due to reasons not attributable to both parties, or because the secured loan contract for commercial housing cannot be concluded, the parties may request the termination of the contract, and the seller shall return the principal of the purchase price and its interest or deposit to the buyer. Therefore, no matter what causes the house purchase contract to be unable to be fulfilled, such as the approval is not passed, the loan is slow, and the amount is insufficient, the down payment can be refunded. Of course, in addition to the information submitted by the buyers themselves is untrue or the loan is refused due to bad credit. After my mortgage application is rejected, can I still apply? This also depends on the situation. Let's talk about three situations first: 1. Credit problems If the mortgage application of the buyers is rejected because of personal credit problems, then, in this case, it will be very difficult to apply for loans. Because every bank has similar strict requirements for credit problems. 2. Policy issues If the buyer's mortgage application is rejected because of the current mortgage market and policies, please rest assured, because you can choose to try again after a while. At least half a year after the policy. 3. Incomplete information If the buyer's mortgage application is rejected because of incomplete information, then you don't have to be discouraged. Because when you prepare all the materials for the second loan application, you can usually get the loan.