For the personal housing loan handled by China Merchants Bank, after "prepayment", according to your remaining principal, loan interest rate and repayment method, you will once again adopt "keeping the monthly payment unchanged and shortening the loan term". For details, it is recommended that you confirm in detail through the handling bank.

Personal housing loan is a kind of consumer loan, which means that when the lender issues personal housing loan to the borrower, it repays the principal and interest of the loan, and the lender has the right to deal with the joint liability of its mortgage interest according to law.

The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents have the ability to pay the principal and interest for their own use, have good credit, make a down payment of 30% of the funds needed for house purchase, and have a loan guarantee approved by the bank.

Personal housing loans are limited to the purchase of self-occupied ordinary and self-occupied housing, and may not be used to purchase luxury housing.

Basic concepts:

One of the main asset businesses of commercial banks is the loan business for borrowers to purchase ordinary houses for their own use. Refers to the loans that commercial banks open to first-time buyers (that is, real estate developers or other qualified developers). Personal housing loans mainly have the following three loan forms:

(1) The full name of individual housing entrusted loan means that the housing fund management center entrusts the housing accumulation fund to a commercial bank. Housing provident fund loan is a kind of policy personal housing loan. On the one hand, its interest rate is low, and employees who pay the provident fund provide such loans. The loan interest difference exceeds 1%, so both investors and ordinary people in housing are more inclined to choose housing provident fund loans to buy a house.

(2) Loans granted by the source of funds for individual housing loans to individual buyers. Also known as commercial personal housing loans, personal housing secured loans.

(3) Individual housing portfolio loans refer to loans issued by housing provident fund sources to the same borrower for the purchase of self-occupied ordinary housing, which are divided into individual housing entrusted loans, self-operated loans and mortgage loans.

Second, the provident fund portfolio loan to buy a house, how to calculate the monthly supply?

If you apply for a portfolio loan, the running water is twice the monthly payment, not only for the commercial loan, but also for the provident fund loan. Expressed by the formula, it means that the running water is ≥ 2 times of the total monthly repayment amount (provident fund commercial loan). Portfolio loan refers to the borrower who meets the conditions of individual housing commercial loan and pays the housing provident fund at the same time. When handling personal housing commercial loans, you can also apply for personal housing provident fund loans, that is, borrowers can use their own urban self-occupied housing (or other guarantee methods recognized by banks) as collateral, and at the same time apply for personal housing provident fund loans and personal housing commercial loans from banks. In short, I applied for both provident fund loans and commercial loans. Portfolio loan refers to a borrower who meets the conditions of personal housing commercial loan. When applying for personal housing commercial loan, he can apply for personal housing provident fund loan at the same time, that is, the borrower can apply for personal housing provident fund loan and personal housing commercial loan at the same time with the purchased urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral. What are the precautions for applying for a portfolio loan? 1. Make full use of provident fund loans For buyers who choose portfolio loans to buy a house, it is necessary to plan the loan amount when applying for a mortgage. Property buyers should make full use of provident fund loans, extend the loan term as much as possible, and shorten the commercial loan term to a great extent, so as to reduce the monthly repayment and save the loan cost. Only provident fund depositors can apply for portfolio loans. The so-called portfolio loan is the loan mode of "commercial loan provident fund loan", so to apply for this loan, the borrower must pay the provident fund in full and on time at the place where the house is to be purchased, and the provident fund account is still in a normal state of deposit. 2. Choose the repayment method that suits you. Different repayment methods are suitable for different buyers. Buyers with portfolio loans need to choose a good repayment method before applying for mortgage. When signing a loan contract with a bank, you must first understand these repayment methods and determine the repayment method that suits you, because once the repayment method is agreed in the contract, it is generally not allowed to change during the whole loan period. 3. Determining the loan amount Before applying for portfolio loans, buyers need to determine their own loan amount, and then determine the provident fund loan amount, commercial loan amount and the maximum loanable amount for applying for portfolio loans, which are determined by two aspects, namely, the maximum amount of provident fund loans and the maximum amount of commercial loans. The lower of the two is the final loanable amount of the portfolio loan. When applying for a portfolio loan, the provident fund loan amount cannot be changed once it is determined, so the loan applicant and spouse need to check the maximum loan amount at the provident fund management center.

Three, 600 thousand yuan combined mortgage calculation, tell me how much money to pay back every month.

1. Matching principal and interest repayments, the total loan amount is 370,000 yuan, the total repayment amount is 468,763.64 yuan, and the interest is 98,763.64 yuan. 1.20 The monthly average repayment amount is 3906.36 yuan. 2. Matching principal and interest refers to a repayment method of housing loans, that is, the same amount of loans (including principal and interest) are repaid every month during the repayment period. The calculation formula of monthly repayment amount is as follows: [loan principal × monthly interest rate ×( 1 interest rate) repayment months ]/[( 1 interest rate) repayment months-1]

4. How to calculate the monthly contribution of the portfolio?

The monthly payment of portfolio mortgage is calculated in the same way as commercial loans and provident fund loans. The calculation formula of monthly repayment of equal principal and interest: [loan principal× monthly interest rate× (1interest rate )× repayment months ]⊙[( 1 interest rate )× repayment months];

Average capital's monthly repayment formula: monthly repayment amount = (loan principal/repayment months) (accumulated repaid principal) × monthly interest rate.