Whether buying a new house or a second-hand house, you need to pay a certain down payment. Take a 3 million house as an example. So, what is the down payment for a 3 million house? How to calculate the house with a transfer fee of 3 million? Don't worry, if you are interested in this, you might as well come and learn about it with me!

How much is the down payment for a 3 million house?

Now buying a house, the down payment for the first suite is 30% of the total house price, and the down payment for the second suite is 60% of the total house price. Considering the repayment risk of the loan, the relevant departments will require the purchaser to provide a certain down payment to prove that you have the repayment ability. Of course, the amount of down payment was determined according to the national policy at that time. For example, for a house with a price of 30,000 yuan/square meter, a house with a price of 100 square meter is 3 million, with a down payment of 600,000 for 20%, 900,000 for 30% and 654,380+0.2 million for 40%.

How to calculate the 3 million house in the transfer fee?

1. Transaction fee: residential 6 yuan/_ (reform house, anjufang: 3 yuan/_); Non-residential 10 yuan/_; Both sides bear half.

2. Registration fee: the residential category is 80 yuan/suite; To be borne by the buyer.

3. Land revenue (received): collected at the time of sale and transfer, calculated at 2% of the transaction price, and borne by the seller.

4. Filing fee: 50 yuan/piece.

5. Deed tax: the tax rate is 3%, calculated according to the transaction price of normal transactions. Individual purchase of self-occupied housing is levied at the tax rate of +0.5% of the house price, which shall be borne by the buyer.

6. Stamp duty: the tax rate is 1‰, and both parties shall bear half.

7. Business tax and surcharges: if an individual purchases a non-ordinary house for less than 2 years and sells it to the outside world, the business tax will be levied in full; The sales of ordinary houses purchased by individuals for more than 2 years are exempt from business tax.

8. Personal income tax: there are two ways to collect houses purchased for less than 5 years: one is the tax rate of 20%; The other is 1% of the transaction price, which shall be borne by the seller.

Editor's summary: After reading the above introduction, I believe everyone has a further understanding of the down payment of 3 million houses and how to calculate the transfer fee of 3 million houses. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.

How much is the monthly payment for a 3 million house? This strategy can be seen.

According to the personal income level, it is suggested that the monthly payment of the house should not exceed 65,438+0/3 of the monthly income. For example, the monthly salary is 9000, and the monthly payment is less than 3000. Because of the high income level, the relative quality of life should be acceptable, so at least 3000/ month family living expenses should be reserved, and 3000 yuan can be used for educational plans or financial investment. So, what is the monthly payment for a 3 million house? The following strategies can be used for reference.

How much is the monthly payment for a 3 million house?

If you are interested in buying a 3 million house, according to the annual interest rate of general commercial loans,

1, the minimum down payment is 20%, and the longest mortgage period is 30 years.

The loan amount is 2.4 million yuan, and the monthly payment is equal to RMB yuan. The monthly payment has reached tens of thousands, and the monthly income is at least 20,000, leaving room for your own life.

2. 50% down payment, half loan and half loan, with a term of 30 years.

If the monthly income is still 20,000 yuan, then the monthly payment at this level is relatively comfortable and will basically have no impact on life.

3. The down payment is more than 50%, and the strength of buying a house in the early stage is sufficient.

In this case, there is no need to choose 30 years for mortgage loan. After all, the longer the loan term, the more the total interest. If the monthly income is 20,000 and the down payment is 70%, you only need to borrow 900,000, and the loan period will be shortened by half. Borrowing 15 years is enough. This is an area suitable for monthly payment.

Note: For the convenience of comparison, the repayment method of equal monthly payment is selected above, which is more suitable for people with insufficient repayment ability in the early stage. If the early repayment ability is sufficient, you can choose the repayment method of decreasing average capital monthly, so that the interest saved by a 3 million house, whether it is 30 years or 15 years, is at least tens of thousands.

The above is about "how much is the monthly mortgage for 3 million houses". My personal opinion is for your reference only, and I hope it can help you.

3 million mortgage for 30 months

With the change of mortgage policy, both loan interest rate and loan down payment will change. The monthly loan amount for buying a house is related to the down payment amount, loan term, loan repayment method and bank interest rate. Let's take a look at how to calculate the monthly payment of equal principal and interest repayment and equal principal repayment.

The calculation formula is as follows:

Matching principal and interest repayment:

Monthly loan amount = [loan principal × monthly interest rate ×( 1 interest rate )× repayment months] ((1 interest rate )× repayment months]

Equal principal repayment:

Monthly loan amount = (loan principal ÷ repayment months) (loan principal-accumulated repaid principal amount) × monthly interest rate.

At present, the 30-year interest rate of commercial loans is 4.90% and the 30-year interest rate of provident fund loans is 3.25%. I'll calculate them for you.

1. Commercial loan: How much is a loan of 3 million yuan for 30 months?

Matching principal and interest: the total loan interest is 2,736.5438+0,848.58 yuan, the total principal and interest is 5,736.5438+0,848.58 yuan, and the monthly payment is 65,438+05,926.5438+0.80 yuan.

Average capital: the total loan interest is 2,265,438+065,438+0,654,38+025.00 yuan, and the total principal and interest is 5,265,438+065,438+0,654,38+025.00 yuan. The first monthly payment was 20,583.33 yuan, a decrease of 34.03 yuan per month.

2. Provident fund loan: How much is a 3 million loan for 30 years?

Matching principal and interest: the total loan interest is 1700228.25 yuan, the total principal and interest is 4700228.25 yuan, and the monthly payment is 13056. 19 yuan.

Average capital: the total loan interest is 65,438+0,466,562.50 yuan, and the total principal and interest is 4,466,562.50 yuan. The first month loan 16458.33 yuan, with a monthly decrease of 22.57 yuan.

How much is the down payment for a 3 million house and how much is the monthly payment?

The down payment is 900,000 yuan, and the monthly payment is 1 1779 yuan.

If you buy the first suite, 30% of the house with a total price of 3 million yuan needs to pay 900,000 yuan as the down payment, and the monthly payment will reach 1 1779 yuan. The down payment ratio of individual housing mortgage loan shall not be less than 30%. Considering the housing needs of low-and middle-income people, the down payment ratio of 20% is still implemented for those who buy self-occupied housing with a construction area of less than 90 square meters.

For the first suite, each family must pay 30% down payment, that is, 30% of the total house price. For multi-suites, preferential policies disappear because of the second house, and the down payment is mostly 50% or 60% of the total price.

How much is the interest on a 3 million house loan for 30 years?

The benchmark interest rate of the central bank's commercial loans for more than five years is 4.90%, and the benchmark interest rate of provident fund loans for more than five years is 3.25%.

Matching principal and interest repayment method: 3 million loans for 30 years, 1592 1.8 yuan.

The average capital repayment method is that the loan of 3 million yuan in the first month of 30 years is 20,583.33 yuan, and then it is reduced every month.

Matching principal and interest repayment method: that is, the sum of loan principal and interest is repaid in equal amount every month. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same.

Average capital repayment method: that is, the borrower repays the loan by installments (months) in the whole repayment period, and at the same time pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month.

Paying interest on a monthly basis and repaying the principal at maturity: that is, the borrower repays the loan principal in one lump sum on the maturity date of the loan (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis.

Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank. Usually, the amount is an integer multiple of10,000 or10,000. After repayment, the lending bank will issue a new repayment plan, in which the repayment amount and repayment period change, but the repayment method remains unchanged, and the new repayment period shall not exceed the original loan period.

Repay all loans in advance: that is, the borrower can repay all loan amounts in advance when applying to the bank. After repayment, the loan bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

Borrow and pay back: the interest after borrowing is calculated on a daily basis, and the interest is calculated on a daily basis. You can pay the money in one lump sum at any time without paying a fine.

The benchmark interest rate is a universally applicable reference interest rate in the financial market, which can be used as a benchmark for other interest rate levels or financial asset prices.

The rate level to be determined. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers measure financing costs.

Investors calculate investment income and management's macroeconomic regulation and control. Objectively, a universally recognized benchmark interest rate level is needed as a reference. Therefore, in a sense, the benchmark interest rate is the core of the formation of interest rate marketization mechanism. Simply put, you usually deposit money in the bank and he gives you interest. The greater the benchmark interest rate, the more interest; The smaller the benchmark interest rate, the smaller the interest.

How much can a couple borrow to buy a 3 million house?

70% of the total house price.

Couples who can borrow money can borrow 70% of the total house price. For commercial loans, if both husband and wife have stable jobs, the amount of joint loans will be higher than that of personal loans.

The maximum loan for husband and wife is 6.5438+00,000, and the maximum personal accumulation fund is 600,000. The maximum loan for husband and wife is 6.5438+00,000. The minimum down payment is 30%, provident fund 1, and the maximum personal loan is 600,000.