As we all know, when applying for a mortgage, you need to pay a certain percentage of down payment first. Only by submitting the proof of down payment can we continue to complete the next loan application. So how much can you borrow at most? There are many influencing factors, such as the price of the house itself and the down payment ratio, the monthly income level of the family and the specific provisions of the local mortgage amount. We can continue to analyze together.
What is the maximum amount of mortgage loan?
1. From the down payment ratio,
The down payment is generally 20% of the house price, so the maximum amount of mortgage generally cannot exceed 80% of the transaction price or evaluation value of the house purchased.
If the house price is 1 10,000, then the mortgage can be up to 800,000.
2. From the perspective of family monthly income level.
The monthly debt expenditure calculated according to the loan amount shall not exceed 50% of the monthly income of the borrower's family, that is, the monthly mortgage expenditure is less than or equal to 50% of the monthly income of the borrower's spouse.
If the sum of (the borrower's spouse's) monthly income is equal to 654.38+0,000 yuan, multiplied by 50%, it is 5,000 yuan, and then according to the mortgage for the longest 30 years, the minimum benchmark loan interest rate for the same period cannot exceed 654.38+0,000 yuan at most.
3. Maximum amount of provident fund-free loans.
Changsha provident fund loan with a maximum amount of 600,000;
Shanghai provident fund loan with a maximum amount of 6,543,800+0.2 million;
Beijing provident fund loan with a maximum amount of 6,543,800+0.2 million;
Guangzhou provident fund loan, with a maximum amount of 6,543,800+0,000.
Each region is different, which is subject to the consultation of the local provident fund center.
Note that the maximum amount of mortgage we say here refers to the application amount of the first suite. If it is a second suite or a commercial house, the loan amount will be lower, and under the restrictions of many mortgage amounts, it is generally the highest loanable amount for applying for a mortgage.
The above is about "how much can a mortgage loan cost at most?" I hope I can help you.
How to calculate the mortgage
Question 1: How to calculate the mortgage? General mortgage loans can choose to cut interest rates by an equal amount and repay the principal and interest by an equal amount.
Interest rate adjustment generally starts from 1 day of the following month and year.
If you choose to wait for the interest rate cut, and the interest rate is adjusted once a year:
Monthly repayment interest = annual interest rate of loan principal still owed to the bank/12.
Fixed monthly principal = total arrears/total repayment months.
For example, you said 65438+ ten thousand loans.
Monthly principal repayment =100000/60 =1666.67 yuan.
The interest of the first month =1000005.05%/12 = 420.83.
The interest of the second month = (10000-1666.67) 5.05%/12 = 413.82.
The reduction of principal means that the monthly principal is fixed and the interest is gradually reduced.
And if it is equal principal and interest
The monthly payment is the same.
Present value coefficient of annuity =50000.
The coefficient can be found in the table.
Calculate a, which is a fixed monthly repayment.
In this way, the principal exchanged first is more and the interest is less.
Two algorithms, on the premise of not repaying in advance,
When the interest rate is lowered, the total interest to the bank is lower than the equal principal and interest.
Question 2: How to calculate the mortgage? According to the calculation formula of general mortgage repayment methods, there are two types: 1. Matching principal and interest repayment method: during the repayment period, the same amount of loans (including principal and interest) are repaid every month, so that the monthly repayment amount is fixed, which can control the expenditure of family income in a planned way and facilitate each family to determine the repayment ability according to their own income. Calculation formula of equal principal and interest: [loan principal × monthly interest rate ×( 1 interest rate )× repayment months] ⊙[( 1 interest rate )× repayment months-1] Calculation principle: from the monthly contribution, the bank collects the interest of the remaining principal first, and then the principal; The proportion of interest in monthly payment decreases with the decrease of residual principal, and the proportion of principal in monthly payment increases with the increase, but the total monthly payment remains unchanged. For example, the interest rate of short-term loans (including six months) stipulated by the central bank is 5. 10%. If the loan of 20,000 yuan is paid off in six months, the total interest will be 298.55 yuan, and the monthly interest will increase by 3,383.09 yuan. 2. average capital repayment method: Repay the principal in equal amount every month, and then calculate the interest according to the remaining principal, so you will pay more interest at first, so the repayment amount will be more at first, and then it will be reduced every month in the following time. The advantage of this method is that it is more suitable for families with strong repayment ability because the repayment amount is large at the beginning. Average capital calculation formula: monthly repayment amount = (loan principal/repayment months) (principal-accumulated principal repaid) × monthly interest rate average capital calculation formula: monthly repayment amount = monthly principal and interest = principal/repayment months = (principal-accumulated repayment amount) × monthly interest rate calculation principle: monthly principal repaid remains unchanged, and interest decreases with the decrease of remaining principal.
Question 3: How to calculate the mortgage interest? The mortgage calculator is very clear. Mortgage interest is mainly the standard set by the state.
Question 4: How to calculate the mortgage calculator: licainews/jisuanqi/
(1) The calculation principle of equal principal and interest repayment method is that the monthly repayment amount is discounted at the monthly interest rate to the first month of repayment, and the sum of these discounted values should be equal to the repayment amount.
Assuming that the monthly repayment amount is X and the monthly interest rate is R, if N months of repayment are needed, the discounted value of the first month of repayment is X divided by (1r), and the discounted value of the first month of repayment is X divided by (1r) to the power of I, so that the sum of the discounted values of N months is equal to the total loan amount, and an equation can be solved. But it is difficult to solve, and now it is basically solved by calculator.
With the calculator, the interest rate, loan amount and loan time can be automatically calculated by input.
(2) The basic principle of the average capital method is that the amount of principal repaid every month is the same and the interest rate is different, so the monthly repayment amount is decreasing.
For example, the loan is a yuan, n months, and the principal of A/n should be repaid every month, and then the interest obtained by multiplying the unpaid principal by the interest rate. The principal paid every month remains unchanged, and the interest becomes less. It adds up to monthly repayment.
Question 5: How to calculate the monthly payment for buying a house 1. Loan policy.
There are many policies, but I mainly tell you some common situations.
1. First of all, the loan amount. For the first house, individuals can borrow 70% of the total house price, which is 30% of the total down payment.
If it is a second-hand house, tax, comprehensive tax, personal income tax, evaluation fee and so on will be generated in the transaction.
Originally, these taxes were borne by both parties to the second-hand housing transaction (I hope so. )
But in the second-hand housing market, there is such a hidden rule that all taxes are borne by the buyer. For a 2 million house, the tax to be paid for buying a house is nearly 200,000 yuan, which should be paid off at the time of down payment. In other words, for example, if you buy a 200W second-hand house, the down payment was originally 200.30% = 600,000, but you have to take out 600,000 at one time.
For the second house, the loan amount is 60%, that is, the down payment should reach 40%.
Let me remind you that you can't apply for a loan for a house built 85 years ago Pay attention when buying an old house! For example, for a 40W house in 1984, you have to pay back 40W at one time, and there is no possibility of any loan.
Second, the annual interest rate of the loan.
The latest annual loan interest rate in 2008 is as follows:
Category item
Annual interest rate (%)
I. Short-term loans
Within six months (including six months) 6.57
Six months to one year (including one year) 7.47
Second, medium and long-term loans
One to three years (including three years) 7.56
Three to five years (including five years) 7.74
More than five years 7.83
Third, discounts.
Discount is determined by taking the rediscount rate as the lower limit and adding points.
According to the annual interest rate standards promulgated by the above countries, ordinary banks will now give customers some concessions. The limit of the discount is: the annual interest rate goes down 15%. For example, a 20-year mortgage loan, that is, the annual interest rate of more than 5 years is 7.83%, and the bank can calculate it according to your interest rate of 6.65%.
As long as everyone has a number, the general bank will take the initiative to provide it. If they don't say anything, you can ask if it has fallen 15%.
Third, the types and calculation methods of monthly payment.
There are two monthly repayment methods: average capital repayment method and matching principal and interest repayment method.
First of all, explain what repayment includes.
Total loan repayment = loan principal loan interest, which I believe everyone has no problem, that is, the so-called interest has interest!
Let's explain these two situations:
The average capital, in layman's terms, is to repay average capital plus the current month's interest. In other words, divide the total loan principal into certain equal parts. The number of shares is the number of months of your loan life. For example, if you borrow 20W and pay it back in 20 years, then the monthly average capital is: 200,000 /20 years, 65,438+February. So the average monthly capital has been made clear. Then once a month. In this way, in the average capital, the monthly interest is different, because the monthly interest = the monthly interest rate of the remaining principal of the month. As you pay off a certain amount of principal every month, the remaining principal will be less and less, so the interest will be less and less.
Monthly average capital payment = monthly average capital interest rate = monthly average capital (monthly interest rate of residual principal)
Where the monthly interest rate = annual interest rate/12.
Therefore, the average monthly capital payment is different. It will be higher in the first few months, and less later. Until the last month, the principal is 0 and the interest is 0.
Matching principal and interest, in layman's terms, means that the principal and interest repaid every month are the same, that is, the amount repaid every month is the same. The calculation method of this thing is more complicated.
I just provide you with a calculation formula here, and interested friends can calculate it.
A = p {I (1I) n/[(1I) n-1]} (n is exponential)
A: Monthly contributions.
P: total donations
I: monthly interest rate (annual interest rate/12)
N: Total months of contribution (year × 12)
Example: Buy a house with a price of 500,000 yuan, and the first transaction is 654.38+0.5 million yuan. ......
Question 6: Calculation formula of mortgage:
Matching principal and interest repayment method:
Monthly loan amount = [loan principal × monthly interest rate ×( 1 interest rate )× repayment months ]=[( 1 interest rate )× repayment months]
Monthly interest payable = loan principal × monthly interest rate × [( 1 interest rate )× repayment months -( 1 interest rate) ÷ [( 1 interest rate )× repayment months-1]
Monthly repayment principal = loan principal × monthly interest rate ×(65438+ 10 interest rate) (repayment month serial number-1)÷[(65438+ 10 interest rate) repayment months-1]
Total interest = repayment months × monthly repayment amount-loan principal
Average capital repayment method:
Monthly loan amount = (loan principal ÷ repayment months) (loan principal-accumulated repaid principal) × monthly interest rate.
Monthly repayable principal = loan principal ÷ repayment months
Monthly interest payable = residual principal × monthly interest rate = (loan principal-accumulated principal repayment) × monthly interest rate
Monthly decreasing amount = monthly repayable principal × monthly interest rate = loan principal ÷ repayment months × monthly interest rate.
Total interest = [(total loan amount ÷ repayment months × monthly interest rate) total loan amount ÷ repayment months × (1 monthly interest rate)] ÷ 2× repayment months-total loan amount.
Note: monthly interest rate = annual interest rate ÷12 154 =15×15 (15 to the fourth power, that is, four15 times.
Loan amount: 150000 yuan.
Loan term: 5 years (60 months)
Several situations in which the interest rate remains unchanged and the loan is fully paid off:
Calculated by commercial loan and equal principal and interest.
Annual interest rate: 6.9% (monthly interest rate is 5.75‰)
Monthly payment: 2963.6438+0 1 yuan.
Total interest: 27,786.47 yuan.
According to commercial loans, calculated by average capital.
Annual interest rate: 6.9% (monthly interest rate is 5.75‰)
Monthly payment for the first month: 3,362.5 yuan.
Decreasing month by month: 14.38 yuan
Monthly payment at the end of the month: 25 14.38 yuan.
Total interest: 26,306.25 yuan
Question 7: How is the Agricultural Bank mortgage calculated? It seems that the landlord's understanding of bank financing is not enough. In fact, there are many policies and preferential activities of mortgage, which can be changed at any time. If you know more, you can pay a lot of money. Here is a related article. Look at Zhou Yin /...type= 1.
It's absolutely useful to you. I thought it was good when I saw it. Let me introduce you. Good things to share, right? Ha ha.
Question 8: How to calculate the mortgage? The formula of 15 can be seen in this table. If it is the first suite, look at the column 10%. How much you borrow depends on the matching time between the equal principal and interest and your loan.
For example, if you take 300,000 yuan for 20 years, it is 30 times 62.78, which is your monthly repayment amount.
Question 9: How to calculate the personal housing mortgage loan? Of course, choosing a bank is a bank that is convenient for you to deposit, and the handling fee is generally 3%-5% of the loan amount.
Buying a house or spending it?
Buying a house is not four years, is it? 65438+20 years in 2005.
The loan period is 8 weeks, the loan period is 4 years, and the interest rate is 7.74. Equal principal and interest: every penalty month 1943.28 yuan.
The loan lasts for 8 weeks, the loan time is 10 year, the interest rate is 7.83, and the equal principal and interest: 963.44 yuan per month.
The loan lasts for 8 weeks and lasts for 20 years. The interest rate is 7.83, and the principal and interest are equal: 660438+0 yuan per month.
How much can a bank mortgage be approved at most?
Question 1: What is the maximum amount of bank mortgage? Let's talk about commercial loans first. Basically, every bank is similar.
1, you have to pay 20% of the house price as a down payment. You can apply for a housing loan from the bank for the rest of the house.
2. At present, bank housing loans can be loaned for up to 30 years.
3. The amount that a bank commercial loan can lend you is determined according to your income and current personal assets. According to the evaluation results, the bank may not be able to lend according to the amount you apply for (for example, if you apply for a loan of 500,000 yuan, the bank may only agree to lend you 400,000 yuan after evaluation, and the difference of 6,543,800 yuan must be raised by yourself and then handed over to the real estate developer).
4. If your personal credit record is good and it is the first time to buy a house, the general bank can use 30% off the benchmark loan interest rate as your loan interest rate. At present, the interest rate for loans over five years is 5.94%, and it is 4. 158% after a 30% discount.
The monthly repayment should not exceed 50% of your monthly income.
6. According to my calculation results on the mortgage calculator of China Merchants Bank (house.cmbchina/) ... fun=de, I borrowed 500,000 yuan, repaid the principal and interest at the annual interest rate of 4. 158% for 20 years (240 months), and the monthly principal and interest totaled 307 1.69 yuan. Calculated by 30 years (360 months), the total principal and interest to be repaid every month is 2,432.84 yuan. More than your current income. It is estimated that if you can't apply for so many loans from the bank, even if you do, you can't afford it with your income of only 2000 yuan per month.
Let's talk about housing provident fund loans. Provisions for provident fund loans vary from place to place. According to the results found on the website of Ningbo Housing Provident Fund (nbgjj/gjj/dkywzn):
1, 30% of the house price must be paid down; The remaining 70% can be loaned to the housing provident fund center.
2 housing provident fund loan period shall not exceed 20 years.
3. The housing provident fund will also evaluate the mortgage amount for you. Its calculation formula is roughly as follows: loanable amount = sum of deposit bases of the borrower and those involved in calculating the loan amount ×40%× 12 months× loan (calculation) period. (The maximum loan amount does not exceed 400,000 yuan: nbgjj/gjj/tzedpu20081225)
According to the information you provided, if you pay the housing provident fund at 8% of your monthly salary, your contribution base (that is, your monthly income) is: 150 yuan /8%= 1875 yuan.
Loan amount = 1875 yuan× 40 %×12 months× 20 years = 180000 yuan.
4. The housing provident fund interest rate is lower than the bank loan interest rate in the same period. At present, the interest rate of loans for more than five years is 3.87%.
5. The monthly repayment amount shall not exceed 60% of the deposit base of housing provident fund at the time of loan application, that is, 1.875 yuan× 60% =1.654.38+0.25 yuan.
6. According to the loan of1.80,000 yuan, and the annual interest rate is 3.87%, you need to repay 1.078.47 yuan every month.
To sum up, if you want to apply for a 500,000 mortgage, it is estimated that it will not be approved; It was really approved through various channels. Press it right away. ......
Question 2: How many commercial loans can a person borrow to buy a house? What is the maximum loan amount? It won't do you any harm to repay the loan on time and not overdue.
As long as you have the repayment ability, you can operate at home. If the bank repossesses the property in case you don't pay, you will be listed as a black account and it will be difficult to get a loan in the future. So be sure to keep the repayment well, otherwise it will have an impact on your credit history in the future. Other effects are gone.
The state will restrict individuals from selling houses, so if there is more than one set, the bank will stipulate that the interest rate will rise and the life will be shortened.
For example, Minsheng loan: the first loan, the loan interest rate fell by 30%; The down payment of the second loan is 40%, and the interest rate rises10%; The third set of down payment is 42%, and the interest rate rises12%; The fourth set of down payment is 44%, and the interest rate rises14%; The fifth set is 46%, and the interest rate rises 16%.
The average bank requires that the monthly income of the loan is twice the monthly repayment amount.
If you want to borrow this loan, you can borrow it twice in the past 20 years and pay back more than 8 thousand a month.
Only when the monthly income is around 1W6 can it be approved by the bank.
Question 3: How much can a person borrow from the bank at most? Look at personal reputation and mortgage, ranging from tens of thousands to millions.
I hope I can help you.
Question 4: With a monthly income of 20,000, what is the maximum amount of bank loans? There is China Merchants Bank in your city. You can try to apply for a loan through China Merchants Bank. For the information such as the execution interest rate, amount, loan term and loan repayment method of your specific loan application, the handling bank needs to specially review your comprehensive information after you apply for a loan, and the loan can only be determined after it is approved.
Please dial 95555 at 8:30- 18:00, and select "2 manual service-"1"personal banking-"4 "personal loan business to enter the manual service to provide loan purpose and city details.
Question 5: What is the maximum amount that the real estate license can borrow from the bank for the first time? The only mortgage loan with 80% of the house appraisal amount can now take the house purchase loan with the same interest rate as the house purchase loan, but the benefit fee is about 12000!
Please accept it, thank you!
Question 6: Can I apply for a loan from the bank without any mortgage? What is the maximum loan? You can apply for a loan from the bank without any mortgage. The maximum loan amount depends on the guarantor you are looking for. Generally, you can find a civil servant guarantee. A civil servant can guarantee 1.5 million. 450 thousand if you find three.
Question 7: How much can I borrow from the bank? However, these loan measures have not become the mainstream of the market since their implementation. However, banks are commercial organizations after all, and the first consideration in granting loans is the safety of funds. For the safety of loan funds, the threshold is often raised a little, or stricter. Strict loan evaluation is one of the characteristics of venture loans. Banks generally need three conditions to provide loans to individuals or enterprises: pledge, mortgage and guarantee. The Detailed Rules for Personal Employment Loans issued by GDB stipulates that loans must be mortgaged, and the scope of mortgage includes movable and immovable property mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity and guarantor guarantee that meets the requirements. Moreover, the amount of compensation is determined according to the specific guarantee method. It is this kind of mortgage that discourages entrepreneurs. Pledge and mortgage are usually difficult to obtain a loan of 100%, and a large sum of money has to be paid to the guarantee company for guarantee. In addition to stable operating income and the ability to repay the principal and interest of the loan on time, the applicant must also be able to provide mortgage guarantee recognized by the bank. In fact, many individuals and small and medium-sized private enterprises applying for loans generally failed the bank evaluation. The guarantee company is not a lifeline, and the initial loan amount is 50,000. The loan term shall not exceed 3 years at the longest, and the working capital loan shall not exceed 1 year at the longest. The interest rate is based on the benchmark lending rate of the People's Bank of China for the same period, and fluctuates within the range of 65,438+00% (inclusive) to 30% (inclusive) ... Although these conditions are a bit harsh, capital is a shot in the arm for entrepreneurs. It is not difficult to get a loan if you can provide the information stipulated by the bank and provide appropriate mortgage. Generally, funds can be obtained within one month after providing complete relevant information and supporting materials. However, among many proof materials, the proof of collateral, that is, the proof of guarantee, is more difficult. If you have equivalent property as collateral, the problem can be easily solved. But the point is, for entrepreneurs, I'm afraid there is not so expensive collateral. To solve this problem, we can only find a professional guarantee company. But there is no such thing as a free lunch. The guarantee company that provides guarantee for you will not let you go easily, and the guarantee company will charge you a huge guarantee fee, because according to the relevant regulations, the guarantee institution will charge the lender a fee not exceeding 50% of the bank loan interest rate in the same period, which undoubtedly increases the burden on entrepreneurs. In real life, due to the great responsibility of guarantee companies, many companies will charge some risk compensation in other names, which has also become an important factor hindering personal business loans. Not everyone is suitable to take the road of starting a business loan. Some people think that loan financing is not suitable for everyone. We visited relevant experts of Guangdong Development Bank for this purpose. According to experts, they think this view is correct, especially since they have just started a business and have no entrepreneurial experience in this industry, it is inevitable that there will be business risks. For those industries with certain operating experience, good operating efficiency and business scope encouraged by the state, banks may consider giving loan support. Expert advice: for an entrepreneur, if he wants to take the road of loan financing, he should first consider whether the profit of loan operation exceeds the interest expenses and other expenses of bank loans; Whether the loan period of the bank matches the cycle of commercial loan recovery, so that the normal operation of the bank will not be affected when the loan is recovered; Bank loans need to determine an appropriate loan amount. Too big or too small is not conducive to entrepreneurship. In addition, the guarantee cost of the guarantee company should also be included in the operating cost to effectively avoid operating risks. Venture loan refers to the loans provided by banks to individuals in order to support the development of private economy, private enterprises and individual operators, and to help individuals in urgent need of development achieve their goals as soon as possible. The bank's requirements for the loan applicant are (1) at least 18 years old, with legal and valid identity certificate and legal residence certificate of the place where the loan bank is located, and with fixed residence or business premises; (2) Hold the business license issued by the administrative department for industry and commerce and the business license of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest; (3) The borrower has certain self-owned funds for investment projects; (4) The loan shall be used in accordance with relevant national laws and bank credit policies, and shall not be used for equity investment; (5) Open a settlement account in the bank, and the operating income will be settled by the bank. The loan applicant shall provide the application materials (1) and the identity documents of the borrower and spouse (including resident identity cards, ......
Question 8: What is the maximum amount of personal loans that banks can borrow now? You can borrow money. Please ask your family to apply for your loan again.
Question 9: What is the biggest discount for buying a house with a commercial loan? There is no upper limit for commercial loans. As long as you have enough repayment ability, the first suite cannot exceed 70% of the total house price.
The maximum amount of commercial loans for individual housing is 70% of the low value between the total purchase price and the housing appraisal price, and the loan amount fluctuates according to different banks' different sets, which is subject to the requirements of the lending bank.
The longest loan period is 30 years, and the borrower is no more than 65 years old for men and 60 years old for women.
The loan interest rate shall be subject to the provisions of the People's Bank of China on the loan interest rate. See personal housing commercial loan interest rate table.
Question 10: What is the maximum personal loan that a bank can lend? A 20-cent loan in a domestic bank can be used for company operation, but it is not necessary to start a business, because repayment is not guaranteed, and even if there is real estate mortgage, it is more difficult to rely on. Some small commercial banks have loans for small and micro industries, but the conditions may be harsh. You can go to the company for detailed inquiries. Private loans have to pay higher interest, but it is relatively easy to obtain conditions. I hope my answer can help you.