8.06 million yuan. If the loan of 4 million yuan lasts for 30 years and the annual interest rate is 4, it will be repaid by matching principal and interest. I need to repay 8.06 million yuan with interest of 4.06 million yuan, and I need to repay 224,623 yuan every month. 1. Disposal of outstanding mortgage loan 1. Apply for deferred repayment: If you really can't repay the mortgage in full, you can consider paying it first, that is, applying for deferred repayment. The suspension of repayment here means not paying the principal temporarily, but paying interest to the bank on time every month. Moreover, it is best to provide the bank with other proof of assets, such as cars. But this is actually a "delaying tactic", which allows you to temporarily slow down, and because the principal is suspended, the interest to be repaid will be more than before. You still need to find a new job or other sources of income and continue to pay the mortgage. But whether it is approved or not depends on the bank's face and whether it agrees with the lender's application for suspension of repayment. 2. Apply for an extension of the repayment period: This "extension of the repayment period" does not mean that you can postpone the repayment date at will, but appropriately adjust the agreed repayment period. For example, when I made a loan before, I agreed with the bank to repay it for 20 years. But because of the bad economic situation, it's really not that much. So I applied to the bank to extend the repayment to 30 years, and the money to be repaid in each period was relatively reduced, and the economic pressure was also reduced a little. Of course, this move also depends on the bank's face and your current economic strength. The considerations inside are very complicated. If the bank thinks that there is a great risk that you can't repay the loan, or the operation is too troublesome, it may not be approved directly. If approved, the interest cost of deferred repayment is higher, which is the price you have to pay. Second, the mortgage is overdue, and overdue for more than 3 months is defined as malicious overdue. At this time, the bank will give you a formal written notice of collection, and even collect it at home. After a period of written notice, for example, if it is not returned within 90 days, the bank will go online. Generally, the first step is litigation mediation, which requires you to fulfill your repayment obligations. If it is still not returned and there is no other property available for execution, it may be forced to auction the property. It will be even worse when the house is auctioned. If you auction the house, pay off the remaining loan and have money, then the bank will refund the remaining money to you. But if the situation is just the opposite, the house is in a bad market at auction, and the money you get is not enough to pay off your debts, then you have to continue to find ways to fill the remaining debts. So don't let yourself go so far. Once this point is reached, it is recommended to transfer or sell the house voluntarily. Transfer and sell the purchased house with the consent of the bank, and repay the loan with the proceeds from the transfer and sale. The new purchaser enters into a mortgage contract with the bank, and the new purchaser continues to fulfill the repayment obligation. Although this is not an ideal solution, the economic loss will be smaller than that of banks through auction or litigation.

2. The individual pays the housing accumulation fund 178 and the salary 1500 yuan every month. What is the maximum loan?

Regarding the provident fund loan policy, only your local provident fund management department is right.

3. After deducting the endowment insurance 400 yuan, how much do you get after retirement?

Pay 400 yuan endowment insurance, how much can I get after retirement? -Retirement from old-age insurance

How is the endowment insurance calculated?

1, monthly pension after retirement = basic pension+individual pension

2, the basic pension = last year, the province's average monthly salary * (1my average payment index) ÷ 2 * payment period.

3, my average payment index = the ratio of this year's payment salary to the local average salary last year, the actual payment period.

4, personal account pension = personal account storage amount ÷ months.

Fourth, for example.

Xiaoming joined Beijing at the age of 25, retired at the age of 65, and lived to be 80, with a monthly pre-tax salary of 1 10,000 yuan. It is known that the average monthly salary of Beijing employees in 20 15 years is 6463 yuan.

For 15 years.

1. Expenses paid by individuals before retirement: personal expenses =10000× 0.08×12×15 =144000.

2. Monthly retirement pension: 6463 (11) ÷ 2×15×1%10000× 0.08×12×/kloc-.

40 years.

1. Expenses paid by individuals before retirement: personal expenses =10000× 0.08×12× 40 = 384000.

2. Monthly pension after retirement: 6463 (11.2) ÷ 2× 40×1%10000× 0.08×12× 40 ÷/.

The highest payment base is 300% of the local average social wage last year, and the lowest is 60% of the local average social wage last year. The higher the payment base, the longer the payment period and the higher the pension. But those who pay 300% can't get the triple pension of 100%, and the rate of return is not the most cost-effective.

Fourth, the current interest rate of 400,000 yuan is divided into 20 years. How much interest is it?

Equal principal and interest or average capital?