1. How much you can borrow has little to do with the total price of the house, but with the location and area of the house. You must know where the house is and how big it is to know how much you can borrow. 2. The loan term is related to the age of the house and the age of the lender, and the longest is 30 years. 3. The central bank's guiding interest rate is 5.4583 ‰ (from July 6, 2065438+02), which rises and falls according to different situations. 4.

Second, how much water does a 400,000 mortgage loan need?

The mortgage loan is 400 thousand, which needs more than 800 thousand running water.

Three. /kloc-How much is the monthly repayment of the 400,000 loan in 0/0?

At present, the annual interest rate of loans for 5-30 years (including 30 years) announced by the People's Bank of China is 4.9%. According to the trial calculation of the benchmark interest rate, the monthly repayment amount is 4223. 1 yuan, and the average capital paid for the first time is 66.67 yuan (for reference only), and the monthly repayment amount decreases month by month. Different banks

First of all, how about individuals?

1. Users can consult with banks or other loan companies before handling loans. In this way, make a comparison in different institutions and then choose.

2. The institution that can prepare the loan will inform you. When handling loans, different types of loans need mortgage loans and credit loans, and the loan amount and interest rate given by different types are different. You can pay less interest when you get preferential loan interest rates.

Different loans are different, and the common repayment methods are equal principal and interest; Generally, when making a loan, the bank will provide several repayment methods for the borrower to choose from. At this time, the borrower will handle the loan according to his own basic situation, including the borrower 18 years old or above, with full civil capacity; Have a stable job and be able to repay the arrears on time; Personal credit is good; Submit the bank flow in the last six months; Other conditions stipulated by the bank can be used for loans after they are met.

Second, how do enterprises get loans?

1. Select a loan bank.

When issuing commercial loans, banks can raise or lower the loan interest rate within a certain range. For example, the loan interest rate of many local banks can rise by 30%. In fact, getting a loan from a bank is just like going to the market to buy things, picking and choosing cheap ones. Relatively speaking, the loan interest rate of state-owned commercial banks is lower, but the procedures are stricter. If your loan procedures are complete, in order to save the financing cost, you can compare the loan interest rates and other extra charges of various banks through personal "bidding" and choose the bank with lower cost to handle mortgage, pledge or guarantee loans.

2. You can also apply for a housing loan.

If you have the intention to buy a house, and the handwritten purchase money is "misappropriated" for starting a business, then apply for a mortgage loan from the bank. The annual interest rate of housing loans is 4.77% for commercial housing loans and 5.58% for ordinary commercial loans of 3-5 years, with a difference of 0.8 1 percentage point. If the entrepreneur has already purchased a common commercial loan for housing, the loan is not limited to use and can be used as the start-up capital for starting a business.

Do you need water for 15 years with a loan of 400,000 yuan?

Different lending institutions and different loan products have different quantities of running water.

Generally, the bank loan is 400,000 yuan, and the flowing water basically means that the first lender has flowing water, salary flowing water, transfer flowing water and so on. The specific amount of running water depends on the bank. Some banks have a running water of more than 654.38+10,000 yuan, and different banks have different requirements. Specific three banks, different loan products have different running water to prove interest income, and the specific standard is subject to China Bank. The bank flow depends on the bank flow. Wage running water needs to be more than twice the monthly payment, and transfer running water can also be used. Self-deposit flow: mainly refers to wage income, transfer flow and some bank flows. As for the direction of wages, it varies according to wages, transfer direction and amount. Generally, the monthly payment is not less than 5,000 yuan, and most banks require more than 600,000 yuan of running water. For customers, the bank's running water is more than twice the monthly supply.