If it is Beijing, you can choose to pay interest monthly or monthly for one year, and you can only choose to pay interest monthly for three years. One-year period and three-year period can't simply compare which is more cost-effective, only which is more suitable for you, including the time you spend money, repayment ability, and the bank flow that banks need to assess. In fact, the annual interest rate for three years is not much different. If you spend a long time, you will certainly get more interest. You want 1 year 600,000, and the interest is almost 250 17.6, and the interest is 740 19 for three years. I suggest you choose a long-term one, and you can repay in advance when you don't use it. Please contact me directly if there is any problem with the house in Beijing.
2. If you have a house as collateral and want to borrow about 600,000 yuan from the bank for one or three years, please ...
If it is Beijing, you can choose to pay interest monthly or monthly for one year, and you can only choose to pay interest monthly for three years. One-year period and three-year period can't simply compare which is more cost-effective, only which is more suitable for you, including the time you spend money, repayment ability, and the bank flow that banks need to assess. In fact, the annual interest rate for three years is not much different. If you spend a long time, you will certainly get more interest. You want 1 year 600,000, and the interest is almost 250 17.6, and the interest is 740 19 for three years. I suggest you choose a long-term one, and you can repay in advance when you don't use it. Please contact me directly if there is any problem with the house in Beijing.
I have a house as a mortgage, and I want to borrow about 600,000 yuan from the bank for one or three years. How much interest do I pay every month? * * * How much interest do you pay?
If it is Beijing, you can choose to pay interest monthly or monthly for one year, and you can only choose to pay interest monthly for three years. From year to year, which is more cost-effective, only the payment time, repayment ability and bank flow that banks need to assess are all influencing factors. In fact, the annual interest rate for three years is not much different. If you spend a long time, you will certainly get more interest. If the 0-year period is 65,438+600,000 yuan, the interest difference will be gone. If it is used for 3 years, the interest will be limited to 740 yuan, and repayment can be made in advance when it is not used. Please contact me directly if there is any problem with the house in Beijing.
4. The commercial loan is 600,000 yuan for 30 years. How much is the monthly loan?
Monthly loan repayment = 20000/12 =1666.67 yuan.
Annual loan repayment = 600,000/30 = 20,000 yuan/year.
Participants in mortgage loans, including commercial banks that provide credit funds, buyers who eventually purchase real estate, and property owners (including developers/second-hand housing owners), also need to participate in the evaluation company and mortgage guarantee company when applying for loans.
Mortgage application materials:
1. The borrower's valid ID card and household registration book;
2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)
Extended data:
1. Take September 2007 as an example. The total price of an ordinary house is about 654.38+00000.