State-owned banks, including China Bank, China Agricultural Bank, China Construction Bank, China Industrial and Commercial Bank, China Bank of Communications and China Postal Savings Bank, can choose to purchase by mortgage. These banks are comprehensive large commercial banks with diversified businesses.
What does the mortgage lender care about?
First, look at the loan interest rate discount.
To apply for a mortgage, we must first look at the discount of the bank loan interest rate. The benchmark interest rate for loans over five years set by the central bank is 4.9%. However, in practice, local banks will set interest rate discounts according to the overall environment of the mortgage market, so low interest rate means less mortgage interest, which is the key for buyers to save money and the first factor to consider when choosing a bank.
Second, look at the preferential threshold for loans.
Under normal circumstances, not everyone can enjoy the required interest rate concessions that banks want to set. This is another criterion for choosing a bank that we are going to talk about-it depends on the loan threshold, including the threshold for obtaining interest rate discounts.
Banks also have different requirements for the age of second-hand houses. For example, some banks require that the age of second-hand houses applying for loans should not exceed 20 years, and there are strict bank requirements that they should not exceed 65,438+00 years.
Third, look at the bank's interest adjustment method.
Mortgage interest directly affects the lender's economic pressure. When the central bank raises or lowers interest rates, mortgage interest will change according to the differences between banks and students.
2. Which repayment method is the most cost-effective for mortgage loan for 20 years?
Hello, the choice of repayment method actually depends on your actual situation. According to the actual situation of different customers, the appropriate repayment methods are different. By comparing the monthly payment and final repayment interest of the two repayment methods, that is, the equal repayment method fixes the monthly payment amount in advance under the condition of unchanged interest rate, which is convenient for you to remember. The repayment method in average capital is to divide your loan principal into equal parts within the loan term, and the loan principal returned every month is the same. Because the monthly repayment interest is calculated according to the loan principal, the repayment method in the average capital requires the customer's repayment ability at the beginning, and the initial repayment pressure will be greater, but the monthly payment will decrease month by month, and relatively speaking, the repayment pressure will become smaller and smaller. At the same time, under the condition that the interest rate and other conditions remain unchanged, the interest paid by equal repayment method will be higher than that paid by average capital repayment method.
Third, mortgage, which bank is the best?
State-owned banks can choose housing loans, including China Bank, China Agricultural Bank, China Construction Bank, China Industrial and Commercial Bank, China Bank of Communications and China Postal Savings Bank. These banks are comprehensive large-scale commercial banks with wide coverage and diversification.
Matters needing attention in mortgage loan
First, look at the loan interest rate discount.
To apply for a mortgage, we must first look at the discount of the bank loan interest rate. The benchmark interest rate for loans over five years set by the central bank is 4.9%. However, in practice, local banks will set interest rate discounts according to the overall environment of the mortgage market, which will lead to the lowest interest rate and the highest interest rate. Low interest rate means less mortgage interest, which is the key for buyers to save money and the first factor to consider when choosing a bank.
Second, look at the preferential threshold for loans.
Under normal circumstances, banks have certain requirements for customers who want to get preferential interest rates, and not everyone can enjoy preferential interest rates. This is another criterion for choosing a bank that we are going to talk about-it depends on the loan threshold, including the threshold for obtaining interest rate discounts.
Banks also have different requirements for the age of second-hand houses. For example, some banks require that the age of second-hand houses applying for loans should not exceed 20 years, while some banks strictly require that they should not exceed 65,438+05 years, and some require that they should not exceed 65,438+00 years.
Third, look at the bank's interest adjustment method.
Mortgage interest directly affects the lender's economic pressure, and when the central bank raises interest rates or cuts interest rates, mortgage interest will be different according to the different ways of bank interest adjustment.
4. The mortgage of 1 10,000 will be paid off in 20 years. What kind of loan method is adopted and which bank is the most suitable?
Are you a provident fund loan or a commercial loan? Interest rates vary greatly, and the requirements for provident fund lenders are higher.
1. There are two ways to repay the mortgage. One is to repay the principal and interest in equal amount every month during the repayment period. In this way, the actual loan interest rate is high and the repayment interest is high; Second, the average capital: the repayment amount is decreasing. In this way, the lender's actual loan utilization rate is slightly higher. If the monthly repayment is equal, the national interest rate will not be adjusted and the repayment amount will be the same every year.
2. What kind of loan is your loan (housing provident fund or commercial loan)? Do commercial loans enjoy preferential interest rates of 30% and 15%?
Our interest rate is 15% (5.940.85=5.049%), and the mortgage loan is 20 years 100W.
Equal principal and interest:
The monthly repayment is 6,626.656 yuan.
Pay interest of 590,397.45 yuan.
The total repayment amount is 1590397.45 yuan.
Average capital:
Pay interest of 507,003.75 yuan.
The total repayment amount is 1507003.75 yuan.
Amount paid in the first month: 8374. 17 yuan.
Payment at the end of the month (240 months): 4 184.20 yuan.
In addition: if the interest rate is 30%, it will be 4. 158%, and the mortgage loan will be 100W. Take 20 years as an example.
Equal principal and interest:
The monthly repayment is 6 143438+08 yuan.
Pay interest of 474,465,438+065,438+0.62 yuan.
The total repayment amount is1474411.62 yuan.
Average capital:
Pay interest of 4 17532.5 yuan.
The total repayment amount is 14 17532.5 yuan.
Repayment amount in the first month: 76,365,438+0.67 yuan.
Monthly repayment (240 months): 4 18 1. 10 yuan.
If you repay the loan in advance, the interest will definitely be different. You can consult the mortgage Commissioner for specific changes, and they will give you detailed calculations, but there is a penalty interest for repaying the loan in advance. Clear attention ...
That's about it. It should be clear ... I hope it helps. ...