1. How much is the monthly payment for 30 years with a down payment of 1.5 million?

Assume this is the first house you buy, and the down payment is 30%, then the down payment is 450,000 yuan. If your financial ability is not good, then you can choose the longest loan period, which is 30 years, and then consider it in two situations. How much is the monthly repayment for a 1.5 million house:

No. 1 way, business loans. The interest rate is 4.9%, the total interest calculated is 956,147 yuan, and the monthly payment is 5573 yuan.

The second method is provident fund loan. The interest rate is 3.25%, the total interest is 595,080 yuan, and the monthly payment is 4570 yuan.

2. How much is the monthly payment for a loan of RMB 1.5 million for 30 years?

First of all, we use the 9% for individuals with a term of more than 5 years published by the People’s Bank of China as the benchmark, and calculate it based on the repayment method of equal principal and interest. The monthly principal and interest payable is 7.960.90 yuan, and the interest required for 360 periods is 1,365,924.29 yuan.

Secondly, we calculate it in the form of equal amounts of principal. The monthly repayment is 10 minus 17.88 yuan, and the interest required for 360 periods is 1161968.7

1. Basic introduction

Home loan, also known as home mortgage loan. [1] A home loan is an application for a mortgage loan for a house purchase, and legal documents such as ID card, proof of income, house sales contract, letter of guarantee, etc. must be submitted. After review, the bank promises to provide the home buyer with a mortgage loan. The contract and the registration and notarization of the real estate mortgage between the bank and the real estate purchaser. The bank will directly transfer the loaned funds to the account of the selling unit within the period stipulated in the contract. On November 24, 2013, the latest survey data showed that, based on sample data from October 11 to November 11, 17 out of 32 cities had suspended housing loans.

2. Housing Loans

Personal housing loans refer to bank loans for ordinary housing. Borrowers must provide security when applying for a personal home loan. There are three main types of personal housing loans: entrusted loans, self-operated loans and portfolio loans. Personal housing entrusted loans refer to loans issued by banks to individuals purchasing ordinary housing in accordance with specified requirements, using housing provident fund deposits as the source of funds, and in accordance with the entrustment of the housing provident fund management department. Also called provident fund loan.

3. Self-operated loans

Personal housing self-operated loans are based on bank credit funds as the source of housing loans to individual home buyers. The loan names of each bank are also different. Construction Bank of China Commercial Bank and Agricultural Bank of China call it personal housing guaranteed loan.

3. How much is the monthly payment for a 1.5 million loan for 30 years?

A 1.5 million loan for 30 years is usually a mortgage. The monthly payment is related to the loan type, repayment method and loan interest rate. The details are as follows:

1. Commercial loans, calculated based on the central bank’s benchmark interest rate of 4.9%

1) Equal principal and interest: monthly payment of 7,960.9 yuan; 2) Equal principal: first month monthly payment of 10,291.67 Yuan, and will decrease by about 17 Yuan every month thereafter.

2. Provident fund loan, calculated based on the central bank’s benchmark interest rate of 3.25%

1) Equal principal and interest: monthly payment of 6,528.09 yuan; 2) Equal principal: first month monthly payment of 8,229.17 yuan, forward After that, it will be reduced by about 12 yuan every month.

Based on the recent average annual interest rate of commercial home purchase loans of 5.66% and the annual interest rate of provident fund loans of 3.25%, a loan of 1.5 million yuan will be repaid in 30 years. The corresponding monthly loan payment is:

1. Commercial loan:

1. Equal principal and interest repayment:

The total amount to be repaid is 3120487.7 yuan, and the loan interest The total amount is 1,620,487.7 yuan, and the monthly repayment amount is 8,668.02 yuan.

2. Equal principal repayment:

The total amount to be repaid is 2,777,037.5 yuan, the total loan interest amount is 1,277,037.5 yuan, and the monthly repayment amount in the first month is 11,241.67 yuan , and the monthly reduction amount will be 20 yuan thereafter.

2. Provident fund loan:

1. Equal principal and interest:

The total amount to be repaid is 2350114.12 yuan, and the total loan interest is 850114.12 yuan, with monthly repayments The amount is 6528.09 yuan.

2. Equal principal amount:

The total amount to be repaid is 2233281.25 yuan, the total loan interest amount is 733281.25 yuan, the first month’s monthly repayment amount is 8229.17 yuan, and every subsequent month The monthly deductible amount is 11 yuan.

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4. The payment is 1.5 million yuan, and the installment is 30 years. How much should be repaid each month?

Commercial loan, based on the benchmark interest rate for 30 years, the monthly payment is 9531 yuan. The total repayment is 3,430,944 yuan, of which 1,930,944 yuan is interest.