Matching principal and interest repayment, loan 560,000 yuan, annual interest rate of 5.643%, installment repayment for 20 years (i.e. 240 months), and monthly fixed repayment of 3,897.54 yuan (total principal and interest).
Repay the principal in equal amount, with a monthly fixed interest rate of 2333.34 yuan, the first month's interest of 2634.40 yuan, and the last period 10.97 yuan, during which the interest is also reduced by 10.97 yuan.
For commercial loans in 2009, the benchmark interest rate for loans over five years is 5.94%, and the monthly interest rate is 5.94%/12 = 0.495%; If the first suite enjoys a 30% discount, the interest rate is 4. 158%. The monthly interest rate is 4.158%/12 = 0.3465%. Monthly repayment amount is 560,000 years (240 months): [560,000 * 0.495% * (1+0.495%) 240] If calculated according to the benchmark interest rate. = 3,992.65 yuan if calculated at the preferential interest rate: [560,000 * 0.3465% * (1+0.3465%) 240]/[(1+0.3465%) 240-1] = 34438. The monthly interest rate is 3.87%/ 12 = 0.3225% 5600, and the monthly repayment amount is 560000 * 0.3225% * (1+0.3225%) 240/[(65438).
Matching principal and interest refers to a repayment method of housing loans, that is, repaying the same amount of loans (including principal and interest) every month during the repayment period. The calculation formula of monthly repayment amount is as follows: [loan principal × monthly interest rate ×( 1+ monthly interest rate) × repayment months ]/[( 1+ monthly interest rate) × repayment months].
Application materials:
1. The borrower's valid ID card and household registration book;
2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required).
After RRR cut interest rates several times this year, the current bank loan interest rate is 4.9%. Specific concessions should be determined with the corresponding developers, mainly depending on whether the developer's cooperative bank has the first set of loan concessions. At present, the discount of second-hand housing operation is 15% off the benchmark interest rate.
The borrower shall fill in the Application Form for Individual Housing Loan in China Construction Bank or the agency of the developer who signed the Cooperation Agreement with China Construction Bank, and provide the following materials:
My household registration book, ID card or other valid proof of residence;
Proof of occupation and income;
Purchase contract or letter of intent and other relevant certification materials;
Proof of down payment accounting for 30% of the house price;
Other materials required by the agency of China Construction Bank.
Loan procedures:
People are most concerned about the conditions and procedures in the purchase loan. First of all, the information to be provided for housing loan:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).
2. The original purchase agreement.
3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.