Which country spends 600 thousand, hehe, are you talking about the bank deposit certificate? If you don't need it for a certain period of time, prove that your family has the ability to complete your study abroad. If your family doesn't have that much money for the time being, the intermediary will handle it for you, but you will charge some fees and you can return it to them.
Second, the bank loan of 505,000 yuan will be paid off, and the interest alone will be 200,000 yuan. Do you want to know the annual interest? ...
Why use the first house to get a loan? Do you just want to buy a house? 250 thousand cash is enough. If it is the second set of 400,000 houses, a down payment of 200,000 will be enough! The rest just need to contact a bank in the developer and mortgage 200 thousand! If it is paid off in five years, the general interest rate is about 10% higher than the benchmark (5.94). That's 6.534 pounds a year. If equal principal and interest are used for repayment, the monthly repayment is 39 16.42 yuan; The total principal and interest is 284,984.93 yuan. If the average capital decline method is adopted, the first month: 4422.33 yuan. Then it will decrease by about 18 yuan every month. The total principal and interest is 233,265,438+04.5 yuan. See which one suits you. Your first house can be used as a personal consumption loan: however, according to your description, the house with a value of 200,000 yuan (if it is a commercial house with three certificates sold by the state, the maximum discount is 30%, that is, the loan amount can only be less than or equal to 6.5438+0.4 million yuan, and if it is a land or shop, the maximum discount is 60%, that is, the loan amount can only be less than or equal to 6.5438+0.2 million yuan). Remember that this is the minimum! ! According to this calculation, if the loan is 6.5438+0.4 million yuan, the annual interest will be 865.438+0.77 4 yuan, which will be paid quarterly. If the loan is RMB 6,543,800+RMB 2,000, the annual interest is RMB 7,009.2. I hope I can help you!
3. How much interest can you pay off with a loan of 500,000 yuan in five years?
If the monthly payment is calculated, it is equal principal and interest repayment.
According to the latest interest rate of 5.75%, the calculation is as follows:
Equal monthly repayment method is equal principal and interest repayment method, that is, the borrower repays the loan principal and interest with the same amount every month, and the monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled every month.
The total loan is 500,000 yuan.
Repayment months: 60 months
The monthly repayment is 9608.38 yuan.
Total interest paid is 76,503.05 yuan.
The total principal and interest is 576,503.05 yuan.
4. The loan for studying abroad is 500,000 yuan, which will be paid off in about 5 years. How much interest does each bank charge?
The loan for studying abroad is 500 thousand yuan, which will be paid off in about five years. According to the current policy, you should take part in the international student loan opened in the bank. You can borrow for several years, and the tuition fee is interest-free. You can borrow up to 10,000 to 30,000 yuan a year, and the excess has interest, but the interest of regular banks is relatively low, that is, the interest of about 10,000 yuan is between 300 and 400 yuan. I hope you can apply for a normal loan in a regular national bank with little interest.