1.07 million yuan, what is the down payment for commercial loans? For housing loans (including first-hand buildings and second-hand buildings) handled through China Merchants Bank, the down payment ratio is as follows:
1. For the first suite, the minimum ratio is 30%, that is, the maximum loan amount does not exceed 70% of the value of the purchased property (adjusted to not less than 25% for cities that do not implement "purchase restriction")
2. For the second suite, the minimum ratio is 40%, that is, the maximum loan amount does not exceed 60% of the value of the purchased property.
Your specific credit line needs you to submit relevant information, and it can only be determined after the approval of the outlets. You can directly contact the personal loan department of local outlets for consultation.
Buy a house of 600,000 yuan, with a down payment of 200,000 yuan and a commercial loan of 400,000 yuan, which will be repaid in 12 years. How much is the interest?
Set the interest rate that the bank gives you.
Set repayment method: average principal or equal principal and interest.
Do the math yourself!
How much is the down payment for a 585,000 house in Wuxi? There are several factors that determine the national loan, as follows:
1, the number of apartments in your home determines how much you can borrow. Generally, you can get a loan of 70% for the first suite and a down payment of 30%, that is, down payment 17550, 60% for the second suite and 40% for the loan. You can do the math yourself. Commercial housing is like this, second-hand housing is different.
2, your personal credit information, that is, your credit record in the bank. If it is good, it will be the first case. If there is something wrong with the credit information, you may face rejection or the bank refuses to lend.
3. The house you bought: Houses are generally divided into ordinary houses and non-ordinary houses. In some places, some banks will reduce the loan amount of non-ordinary housing.
I bought a commercial house of 650,000 yuan, with a down payment of 250,000 yuan, a provident fund loan of 2 1.007, a commercial loan of 1.008, and a monthly mortgage payment of 1. 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. If the first suite enjoys a 30% discount, the interest rate is 4. 158% and the monthly interest rate is 4.158%/12 = 0.3465%.
Monthly repayment10.9 million years (96 months):
According to the preferential interest rate:
[190000 * 0.3465% * (1+0.3465%) 96]/[(1+0.3465%) 96-1] = 2329.95 yuan.
Explanation: 96 is 96 power.
2. Provident fund loans: the interest rate of provident fund loans for more than five years is 3.87%, and the monthly interest rate is 3.87%/ 12=0.3225%.
265,438+00,000, 7 years (84 months), monthly repayment:
[210000 * 0.3225% * (1+0.3225%) 84]/[(1+0.3225%) 84-1] = 2857.90 yuan.
Explanation: 84 is the 84th power.
3. Total amount of two monthly repayments: 2857.90+2329.95=5 187.85.
3 10000 house, commercial loan 1 10000, down payment of 20000, what's the interest? The commercial loan is 65,438+065,438+00,000 yuan, and the principal and interest are calculated at the benchmark interest rate of 6.40%.
Calculation of mortgage repayment (equal principal and interest)
Total nominal loan (yuan)
Loan principal 1 10000
The monthly loan interest rate is 0.005333333 (the benchmark interest rate is 6.40%).
Loan term 5
Monthly repayment amount 2 147+38+03.
The total repayment amount of equal principal and interest is 128828.
Matching principal and interest, total interest 18828
How much is the down payment for a commercial loan for a 585,000 house in Wuxi? First loan: 30% down payment, second loan: 60% appraisal price multiplied by area = total appraisal price of 585,000 minus (total appraisal price multiplied by 70%)= first loan of 585,000 minus (total appraisal price multiplied by 40%)= second loan.
I bought a house of 1 10,000, with a down payment of 300,000, a provident fund loan of 400,000 and a commercial loan of 300,000. How much proof of income do you need? It depends on how the loan bank asks you to generate annual income, monthly income or bank flow.
The first set of 600,000 houses, 30% down payment, 15 What's the difference between provident fund loans and commercial loans? The total house price is 600,000 yuan, the down payment is 30% 1.800 yuan, the loan is 420,000 yuan +05 years, and the commercial loan interest rate is 2010-015% for more than five years. 2015-101the loan interest rate of provident fund for more than five years is 3.25%, and the monthly repayment difference of equal principal and interest is 403 yuan: the monthly repayment difference of equal principal and interest is 665 yuan, the total interest difference is 72,546 yuan, and the equal principal and interest difference is 60 183 yuan.
Commercial loan details:
Waiting amount for debt service
The total loan amount is 420,000.00 yuan.
Number of repayment months:1August
The monthly repayment is 3354.24 yuan.
Total interest paid 183763.86 yuan.
The total principal and interest is 603,763.86 yuan.
matching principal repayments
The total loan amount is 420,000.00 yuan.
Number of repayment months:1August
The repayment in the first month is 4 135.83 yuan.
Decreasing monthly: 10.438+0 yuan.
Total interest paid 163 126.25 yuan.
The total principal and interest is 58,365,438+026.25 yuan.
Details of provident fund loans
Equal monthly repayment
The total loan amount is 420,000.00 yuan.
Number of repayment months:1August
The monthly repayment is 295 1.2 1 yuan.
Total interest paid111217.59 yuan.
The total principal and interest is 53 12 17.59 yuan.
matching principal repayments
The total loan amount is 420,000.00 yuan.
Number of repayment months:1August
The repayment in the first month is 3470.83 yuan.
Decreasing monthly: 6.32 yuan
Total interest paid 102943.75 yuan.
The total principal and interest is 522,943.75 yuan.
How much is the first house with a down payment of 900 thousand, a loan of 400 thousand and a monthly payment of 500 thousand? It depends on whether it is a provident fund loan or a commercial loan, and the length of the loan, whether it is equal principal repayment or equal principal and interest repayment.
When repayment of equal principal:
Monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.
When matching principal and interest repayment:
[loan principal × monthly interest rate ×( 1+ monthly interest rate) repayment months ]=[( 1+ monthly interest rate) repayment months-1]