how much is the monthly loan of 5, provident fund for 3 years

1. A positive answer

To know how much is the monthly loan, the borrower needs to determine his loan principal, loan period, repayment method and loan interest rate first.

II. Specific analysis

The annual interest rate of provident fund loans generally starts at 3.25%. Assuming that the borrower borrows 5, yuan and repays the loan in 3 years, the repayment methods are generally average capital and equal principal and interest.

if the borrower repays the loan by matching the principal and interest, then according to the annual interest rate of 3.25%, the monthly payment is =2176.3 yuan, and the total interest is =283371.37 yuan.

if the borrower uses average capital as the repayment method, according to the annual interest rate of 3.25%, the first monthly payment = 2,743.6 yuan, the last monthly payment = 1,392.65 yuan, and the total interest = 244,427.8 yuan.

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third, how much is the loan for 4 provident fund a month?

If the monthly amount of the provident fund paid by the borrower is 4 yuan, it will be 4,8 yuan a year. If the amount of the provident fund account is less than 2, yuan, the provident fund can lend ten to twenty times the remaining amount after one year.

Normally, the more balance in the provident fund account, the longer the deposit time, and the larger the loan amount. If both husband and wife pay enough provident fund for one year, they can borrow about 4, yuan.

If conditions permit, after applying for the provident fund loan, the borrower can also use the balance in the account to hedge the loan repayment, saving a monthly payment for his life.

the provident fund loan is 15, yuan, five years. How much does it cost each month?

The provident fund loan is 15, yuan, with a term of five years. The monthly payment amount varies according to different repayment methods. Usually, there are two repayment methods: equal principal and interest and equal principal. According to the benchmark interest rate level, the monthly payment amount of these two repayment methods is as follows:

The equal principal and interest is 2,678.67 yuan

The first month in average capital is 2,843.75 yuan, and the next month is about 255 yuan. All employees who pay housing provident fund can apply for individual housing provident fund loans.

first, the provident fund loan is only based on your salary and personal credit information. The balance in the provident fund is closely related to the loan amount. The provident fund center needs to see if you have the repayment ability. The loan must have interest, and the provident fund loan is much cheaper than the commercial loan.

Second, the provident fund consumer loan has the lowest interest rate among credit loans. If there is no problem in other aspects, the general annualized interest rate is around 5%, and the interest can be paid first. First of all,

1. Look at how long you have paid your provident fund (whether you have stopped paying and whether you have changed your company). Generally speaking, you can apply for the provident fund for more than 6 months in a row. Try local policies. I used to work in finance in Beijing. Take Guangzhou as an example, some banks can accept that the provident fund has only been paid for 3 months. If the continuous time is more than 1-2 years, it will be better. The product with interest first and interest later, and the amount and interest are better than the short deposit time.

2. Look at the deposit base: some banks accept the minimum base, and some require a deposit base of more than 5, more than 1,, and more than 1,2. The higher the base, the higher the salary, and the wider the range of products available. The general product amount is about 2 times of the individual payment base of the provident fund < P > Third, some cities depend on the housing price and the down payment ratio: < P > The loan amount of the provident fund is less than or equal to the house evaluation price-down payment < P > For example, Liu Xiaobai bought a house with an evaluation price of 1 million in the third-tier city XX, and the down payment was 3%, that is, 3, yuan;

Then the amount of provident fund loan that Liu Xiaobai can get is = 1 million-3, = 7,; Liu Xiaobai can use provident fund loans for all his mortgages.

Fourth, some cities are determined according to personal income level and monthly deposit (for example, Beijing):

1. The loanable amount of provident fund = (family monthly income-basic living standard)/the monthly repayment amount of loans per 1, yuan for the loan application period;

2. Monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund;

3. The current standard of basic living expenses is 1,323 yuan per month. For example, the monthly income of a Zhang Xiaobai family working in Beijing is 2, yuan, and the monthly repayment amount per 1, yuan of loan for the loan application period is 56.72, which is .5672. Then the loanable amount of Zhang Xiaobai provident fund = (2-1323)/.5672 = 3,292,8 (in fact, it has been exceeded. See the analysis in the second part for details)

How much is the monthly provident fund loan of 1 million for 3 years

According to the interest rate table of the People's Bank of China for provident fund loans in 22, the annual interest rate of housing loans for provident fund loans for less than five years (including five years) is 2.75. The annual loan interest rate for houses with more than five years is 3.25%, and the interest rate for loans with 3 years is 3.25%. The monthly supply of provident fund loan of 1 million yuan in 3 years is 4352.6 yuan.

first, because if the provident fund loan has been used within six months before it is paid off, it cannot be applied again immediately after it is paid off, and it will take six months to apply again; And if you haven't used the provident fund in the six months before the settlement of the provident fund loan, you can pay it off in that month and apply for the provident fund loan in the next month. And we also need to pay attention to, if married, then one of the husband and wife's provident fund loans has not been settled, and the other party can't apply for provident fund loans.

second, the housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. It has the characteristics of security, mutual assistance and long-term, and is mainly used for employees to buy, build, renovate, overhaul and decorate their own houses or pay rent. From July 1, 217, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development. On July 1, 221, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on.

3. The definition of housing provident fund includes the following five aspects: (1) Housing provident fund is only established in cities and towns, and the housing provident fund system is not established in rural areas. (2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system. (3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit. 4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid in accordance with the regulations continuously during their employment, and it shall not be suspended or interrupted except for the retirement of employees or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund. (5) Housing provident fund is a personal housing savings fund specially used by employees for housing consumption expenditure, which has two characteristics: first, it is cumulative, that is, housing provident fund is not an integral part of employees' wages, and it is not distributed in cash, and it must be deposited in the special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented. Second, it is special. The housing provident fund is earmarked for special purposes, and can only be used for purchasing, building, overhauling self-occupied housing or paying rent during storage. Only when the employee retires, dies, completely loses the ability to work, terminates the labor relationship with the unit or moves out of the original city, can he withdraw the housing provident fund from his account.

how much will the provident fund loan be paid in 2 years?

The loan of 5, yuan will be divided into 2 years, and it is necessary to know whether you choose commercial loan or provident fund loan. If you choose the former, according to the current benchmark interest rate of 4.9%, choose the repayment method of equal principal and interest, and the monthly repayment amount is 3272 yuan. There is also a repayment method in average capital. At the beginning, this repayment method needs to repay 4,125 yuan per month, but in the last few years, it only needs to repay more than 2, yuan per month. If you feel that the repayment pressure is relatively high, you can choose a provident fund loan. According to the repayment method of equal principal and interest, it is 2835 yuan per month.

In recent years, the housing prices in most parts of China have risen at a particularly high speed, especially in some first-tier cities. Therefore, many young people have to borrow money to buy a house. If the loan is 5, yuan and the commercial loan is chosen, then the monthly loan amount should be around 3,372 yuan for 2 years. If you go to the bank to apply for a loan, then you must repay the monthly payment on time every month. If you don't repay the monthly payment after the time, the bank will definitely look for us, or even be serious.

To sum up, this paper introduces how to calculate the monthly mortgage loan, and analyzes the monthly calculation of housing loan. We can see that you choose the loan method that suits you, reasonably determine the down payment ratio, and plan to help buyers use the loan repayment method more. Loans, reducing the cost of housing purchase, and what repayment methods should be adopted. The buyer shall determine the economic income, present situation, future burden and the family's ability to bear risks.

Legal basis:

Article 671 of the Civil Code. If the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses.

if the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.