Provident Fund Loan Calculator _ Loan Calculator _ Property _
Personal housing provident fund loan calculator
Latest interest rate
The longest loan period per year can be calculated to the borrower's 70 years old, and the housing provident fund loan calculator cannot exceed 30 years at the same time.
Personal credit rating:
Loan calculator: provident fund loan interest rate
Housing provident fund loan calculator
Housing provident fund loan calculator
Square meters,
Total loan amount:
Yuan dynasty (1206- 1368)
Self-financing:
Yuan,
Pay interest:
Yuan dynasty (1206- 1368)
Loan term:
1 year (12),
2 years (24 issues),
3 years (36 issues)
Tip: The calculation results are for reference only!
Loan interest rate:
Personal housing provident fund loan calculator
Personal housing provident fund loan calculator; On-line calculation tool for personal housing provident fund loans
Housing provident fund loan calculator
Welcome to use professional mortgage calculator. Housing provident fund loan calculator commercial loans, provident fund loan principal and interest calculation, new and second-hand housing tax calculation, mortgage loan prepayment calculation, convenient and practical.
You only need to select the corresponding label and enter the parameters to start the calculation.
Make sure you can find a housing provident fund loan calculator anywhere, because it is easy to find a housing provident fund loan calculator, and it is not too difficult to find a housing provident fund loan calculator now. For finding a specific housing provident fund loan calculator, I suggest you look at the housing provident fund loan calculator here. The reason why the housing provident fund loan calculator here is relatively complete is that the housing provident fund loan calculator network in other places may not be as comprehensive as the housing provident fund loan calculator here. Determine where to find the housing provident fund loan calculator, because the housing provident fund loan calculator is easy to find and not too difficult to find now. For finding a specific housing provident fund loan calculator, I suggest you look at the housing provident fund loan calculator here. The reason why the housing provident fund loan calculator here is more comprehensive is because the housing provident fund loan calculator network in other places may not be as comprehensive as the housing provident fund loan calculator here.
Housing loan calculator formula
The housing loan calculator formula is as follows:
Matching principal and interest: [loan principal× monthly interest rate× (1interest rate )× repayment months ]≤[( 1 interest rate )× repayment months]
Average capital: monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate, where the symbol indicates power. Two months is quadratic.
Extended data:
First, how to repay the mortgage in advance is the most cost-effective:
1. Customers with pure provident fund loans are not recommended to repay in advance.
2. Portfolio loan: According to the actual situation of customers, the general bank will give customers three opportunities to repay in advance. It is best to pay off part of your commercial loans twice and keep the provident fund loans.
3. For pure commercial loan customers, it is most appropriate to calculate the 20-year equal principal and interest according to the interest rate.
Supplementary information:
1. Customers with pure provident fund loans are not recommended to repay in advance. Because the provident fund can only be used for housing and decoration loans, and decoration loans are short-term in nature. The loan interest rate of provident fund is only 3.25%, and no matter what financial management, the income greatly exceeds the loan interest rate, which is beneficial to me.
2. Portfolio loan: According to the actual situation of customers, the general bank will give customers three opportunities to repay in advance. It is best to pay off part of your commercial loans twice and keep the provident fund loans. The monthly repayment is directly deducted from the provident fund account, which saves the greatest worry. But I'd better communicate with the bank in advance about repayment, and I'd better go to the bank for consultation in person. State-owned big banks basically have liquidated damages for prepayment. The first prepayment should be after the first time _ hoop 1 year, usually with interest of 3 months or 6 months, so it is necessary to make preparations in advance.
3. For pure commercial loan customers, it is most appropriate to calculate the 20-year equal principal and interest according to the interest rate. If the customer chooses average capital or 30-year equal principal and interest, plan ahead and reduce the total loan amount to about 400,000 principal, so that the monthly repayment of about 2,200 will not affect family life and ensure the quality of family life. It is best to prepay only twice, otherwise you can't prepay and transfer when you sell the house.
How to use provident fund mortgage calculator
Now when it comes to buying a house, it will naturally talk about mortgages. Except for a few people who can pay the house price in one lump sum, most people still have to rely on mortgages to buy a house. In addition to commercial loans, provident fund loans to buy a house are also very popular ways. So how can we know how much money to pay back every month and so on? You can easily work it out with the provident fund mortgage calculator and tell you how to use it.
First of all, find a mortgage calculator, which is available on major loan websites and platforms. You can use your preferred interface. If you don't know what to do, just search for "provident fund mortgage calculator" in Baidu. The provident fund mortgage calculator used is as follows:
Then enter your provident fund loan period and loan amount, etc.
Click "Start Calculation", and the result comes out in seconds. The monthly payment, interest and total amount are all out.
Now regular units will pay a certain amount of provident fund for employees every month, and buying a house with provident fund has become the first choice for white-collar workers. Calculate the loan and repayment with the provident fund mortgage calculator to see if it suits you.
The latest mortgage calculator makes buying a house stress-free
Introduction: When it comes to buying a house, it is generally not a small amount, ranging from hundreds of thousands to hundreds of millions. As the saying goes, if you don't have enough to eat and wear, you will be poor without planning. So in this article, Tuba Rabbit Bian Xiao presents the latest mortgage calculator of 20 15. Before buying a house, you can roughly calculate the future monthly payment and down payment, which will also make the whole house purchase more planned.
Before buying a house, can you calculate in advance how much you will pay back every month? Many property buyers have such questions. What Tutu wants to say is, of course, just use the mortgage calculator. The following rabbit will introduce you to the use of mortgage calculator and related concepts.
You can search for "mortgage calculator" in Baidu, and you can see a lot. As long as you click in, you can see mortgage calculator, provident fund loan calculator, prepayment counter and so on. Today, Tutu mainly introduces the mortgage calculator for buying a house.
1. Loan type. At present, the mainstream loan types include three categories, namely commercial loans, provident fund loans and portfolio loans. Among them, commercial loan refers to the loan form in which the buyer uses the purchased real estate as collateral to apply for a loan from a commercial bank to pay the house price, and then the buyer repays the principal and interest in installments. Provident fund loans refer to provident fund loans that employees who deposit housing provident fund can apply for in accordance with relevant regulations. Generally speaking, the interest rate of commercial loans is much higher than that of provident fund loans. Portfolio loan is a situation in which commercial loans and provident fund loans are used at the same time, but the interest rates are calculated separately.
Second, the calculation method. The calculation methods include area, unit price and total loan amount, which can be filled in by buyers according to their actual situation.
Third, the area and unit price. The area here refers to the area of the house you bought, and the unit price refers to how much per square meter. These two concepts are very easy to understand.
Fourth, the mortgage period. Generally speaking, the mortgage term refers to how many years you have borrowed from the bank, at least one year and no more than 30 years. You can determine it according to your own economic situation.
5. Percentage of mortgage loans. The mortgage ratio refers to the proportion of the total loan you give to the bank to the total house payment. From the distance, the total price of the house you bought is 654.38+0 million. If the mortgage ratio is 70%, it means that you borrowed 700,000 yuan from the bank.
Sixth, the repayment method. Repayment methods include equal principal and interest and average capital. If the principal and interest are equal, the interest paid in the early stage is more than the principal, and the interest paid in the later stage is less than the principal. No matter what kind of buyers, the monthly repayment amount is the same. The average capital repays the principal the same every month, the interest will decrease with time, and the repayment will decrease month by month.
Knowing the above concepts, I believe that everyone can already use the mortgage calculator, and quickly calculate your monthly payment!
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The introduction of the mortgage provident fund loan calculator ends here.