Choosing a loan to buy a house does not need to raise a lot of money at once, but it is not a simple matter. You need to provide relevant income proof to get enough house payment, and the monthly payment after the loan is also a matter of attention. Different loan amounts and different loan periods will affect the monthly mortgage, so what is the monthly mortgage payment of 65,438+00 for 400,000 yuan? Let's take a look with Bian Xiao.
1.40 million yuan. How much is the monthly mortgage 10?
1. For commercial loans, the benchmark interest rate of the bank is 4.9%, the monthly payment of equal principal and interest is 4,223.09 yuan, and the average monthly payment of funds is 4,966.66 yuan; 2. Provident fund loan, the loan interest rate is 3.25%, and the monthly principal and interest are 3,908.76 yuan, with an average capital of 4,465,438 yuan +06.66 yuan; 3. Portfolio loans: 200,000 yuan for commercial loans and 200,000 yuan for provident fund loans, with an equal monthly principal and interest of 4,065.92 yuan, and an average monthly capital loan of 46,965,438 yuan +0.66 yuan.
Second, what is a portfolio loan?
1 form
Personal housing portfolio loan is a combination of personal housing provident fund loan and personal commercial loan, mainly because the borrower's provident fund deposit is not enough, so it is used in combination with personal commercial loan.
2. Repayment method
The repayment method of portfolio loan is the same as other loans, that is, equal principal repayment and equal principal and interest repayment, but a repayment method and biweekly repayment are added.
3. Loan amount
After the approval of the bank, the amount of the portfolio loan can be the same as that of the provident fund loan, up to 80% of the property value.
4. Mortgage down payment ratio
The down payment of portfolio loans is generally calculated according to commercial loans, that is to say, the first suite purchased by loans needs to pay 30% down payment, while the second suite purchased by loans needs to pay 50% down payment, which will of course change according to changes in local policies.
5. Term of loan
Apply for a portfolio loan to buy a first-hand house with a loan period of less than 30 years, and buy a second-hand house with a loan period of less than 20 years, and the applicant should be under 70 years old.
Editor's summary: The above is the introduction of 10 for 400,000 yuan per month. I hope what Bian Xiao shared can give you some reference. If you want to know more about it, you can pay attention to our Qijia. Com information.
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