1. What is the calculation formula of mortgage interest rate?
1, daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30.
2. Monthly interest rate (‰) = annual interest rate (%)÷ 12.
3. If the interest period is a whole year (month), interest = principal × year (month )× year (month) interest rate.
4. If the interest period has a whole year (month) and odd days, interest = principal × years (months) × annual (month) interest rate+principal × odd days × daily interest rate.
2. What are the types of mortgage loans?
1, housing provident fund loan
Loan interest rate: 50% of the mortgage interest rate of commercial banks.
2. Personal housing commercial loans
Conditions: holding assets recognized by the bank as collateral, and the down payment ratio of house purchase is not less than 30%.
3. Individual housing portfolio loans
Features: provident fund loans are combined with commercial housing loans, with moderate interest rate and large loan amount.
3. What is the formula of average capital?
Monthly repayment amount = monthly principal+monthly principal and interest
Monthly principal = principal/repayment months
Monthly principal and interest = (principal-total accumulated repayment) x monthly interest rate
4. What changes have taken place in China's mortgage interest rate?
1 and 10 fixed-rate loans
Current benchmark interest rate: 8.613%;
Current preferential interest rate: 6.930%;
Benchmark interest rate before adjustment: 7.953%;
Preferential interest rate before adjustment: 7.099%.
2.20-year fixed-rate loan
Current benchmark interest rate: 8.811%;
Current preferential interest rate: 7.580%;
Benchmark interest rate before adjustment: 8.121%;
Preferential interest rate before adjustment: 7.246%.
3. Five-year floating rate loan
Current benchmark interest rate: 5.760%;
Current preferential interest rate: 4.032%;
Benchmark interest rate before adjustment: 5.918%;
Preferential interest rate before adjustment: 4.204%.
4.30-year floating rate loan
Current benchmark interest rate: 5.940%;
Current preferential interest rate: 4.158%;
Benchmark interest rate before adjustment: 6.098%;
Preferential interest rate before adjustment: 4.350%.
Bian Xiao concluded: Bian Xiao would like to give a brief introduction to the knowledge of mortgage interest rate calculation formula, mortgage types, average capital calculation formula and changes of mortgage interest rate in China, hoping to help everyone. If you need to know more, please continue to pay attention to Qijia. com。