The total interest is * * * 6905 1.34 yuan, the total repayment amount is 46905 1.34 yuan, and the monthly payment is 3,908.76 yuan.
Second, the average capital. 400,000 yuan 10 year. If calculated according to the annual loan interest rate of 3.25%,
The total interest is * * * 6554 1.67 yuan, the total repayment is 46554 1.67 yuan, and the monthly payment is as follows: No.65438 +0:44 16.67 yuan, No.2: 4407.64 yuan, No.3:.
Housing provident fund loan process:
1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the housing provident fund loan application form and provide real information.
(a) the applicant and spouse housing provident fund deposit certificate;
(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;
(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;
(four) the purchase of housing contracts, agreements and other valid documents;
(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;
(VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.
(seven) other information required by the provident fund center.
2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.
3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.
4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.
5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.
The calculation formula of provident fund loan amount is:
Monthly deposit amount/deposit ratio of the loan employee's provident fund ×0.45 (repayment ability coefficient )×12 months× actual loanable period (no more than 30 years from the statutory retirement age).
For example, for an employee whose loan period is 15 years, the contribution ratio is 10%, and the monthly salary is 3,000 yuan, and his individual and unit pay the provident fund 300 yuan every month, then his loanable provident fund is 300/10% × 0.45×12× 65438+.