Personal housing loan 1.5 million yuan, and it will be paid back about 301.6 in one month. 39 yuan.
The interest rate of the five-year loan is 7.65%, the principal is 654.38+0.5 million, and the repayment method of equal principal and interest: monthly repayment is 3065.438+0.6.39, and the total interest expenditure is 30983.74; Average capital repayment method:
The repayment in the first month is 3,456.25 yuan, and then it is reduced by about 16 yuan every month, and the total interest expense is 29 165.62 yuan. The above is calculated according to the benchmark interest rate, and the bank may give 15% interest rate discount according to different situations, in which case the amount will be less than the above calculation.
Application procedures for individual housing loans
1,/kloc-a natural person over 0/8 years old but under 65 years old, with legal and valid identity certificate, residence certificate and income certificate, no bad credit record and full capacity for civil conduct;
2. The sum of the applicant's age and the loan period shall not exceed 70;
3. There is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements;
4. The borrower's occupation and economic income are stable, and he has the ability to repay the loan principal and interest;
5. There is a valid guarantee recognized by the handling bank;
6. Open a personal settlement account in the handling bank, and handle the settlement business such as loan issuance and repayment through the natural life family financial card;
7. Other conditions stipulated by the handling bank.
How much is the monthly mortgage?
Mortgage the house to the bank for a loan of 400,000 yuan, which will be paid off in 10. What is the average monthly amount?
1. The loan interest rate of the house mortgage loan is 4.90% of the benchmark interest rate. If the loan is paid off within 400,000 years, 10:
The total loan amount is 400,000.
The total repayment amount is 50677 1.5 yuan.
Pay interest 10677 1.5 yuan.
The loan period is 120 months.
The monthly repayment is 4223. 1 yuan.
The calculation method can refer to the online mortgage calculator.
Two, housing mortgage loan application materials:
1. real estate license (real estate license and land certificate must be mortgaged to the bank when mortgage the bank loan)
2. Identity cards of the obligee and his spouse
3. Household register of the obligee and spouse
4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)
5. proof of income (this proof has a great influence on the success and maximum amount of mortgage bank loans. )
6. If the property owner has minor children, please provide birth certificate.
7. If there is a bank loan for the property, please provide the original loan contract and the last bank statement.
8. In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. )
The house is mortgaged with a bank loan of 400 thousand. /kloc-how much is the monthly repayment in 0/0?
If you want to calculate the monthly information for reference, please open the following link:: cmbchina. /cmbwebpubinfo/cal _ loan _ per . aspx？ Chnl=dkjsq tries to use the benchmark interest rate of the current loan to try monthly payment.
If your city has China Merchants Bank, you can try to apply for a loan through China Merchants Bank. The loan interest rate needs to be comprehensively priced according to the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.
How much is the monthly average loan of 0.45% for 64 thousand years?
The monthly interest rate is 0.45%, right?
If the monthly interest rate =0.45%
Formula: monthly repayment amount = loan amount, monthly interest rate/1-( 1 interest rate)-repayment months.
Monthly repayment amount = 600,000.45%/1-(10.45%)-48 =1,392.66 yuan.
The annual interest rate is 5.4%, and the monthly repayment is 1, 392.66 yuan.
The mortgage bank loan is 6.5438+0.5 million yuan, which will be paid off in five years. How much will it cost every month?
The housing mortgage loan is RMB 6,543,800+5,000, and the mortgage is for five years. According to the current standard that the benchmark interest rate of banks will not rise, the monthly payment is as follows:
Matching principal and interest repayment method:
The total loan is 150000.00 yuan.
Repayment months: 60 months
The monthly repayment is 2847.90 yuan.
A total of 20,873.85 yuan of interest was paid.
Total principal and interest 170873.85 yuan.
Equal principal repayment:
The total loan is 150000.00 yuan.
Repayment months: 60 months
The repayment in the first month is 365,438 yuan +056.25 yuan.
Decreasing monthly: 10.94 yuan.
A total interest of 200 15.63 yuan was paid.
Total principal and interest 1700 15.63 yuan.
How much interest should I pay for a bank loan of 250,000 yuan in fifteen years, and how much is it on average every month? How many years will it be worthwhile?
Hello, if you apply for a loan in our bank, the monthly repayment amount of the loan needs to provide the following elements for calculation: total amount, loan term, loan execution interest rate and specific repayment method. The above information can only be determined after the loan handling bank specially reviews your comprehensive information. If you just want to test a general information, please open: cmbchina. /cmbwebpubinfo/cal _ loan _ per . aspx？ Chnl=dkjsq Use a financial calculator for trial calculation (the trial results are for reference only). Note: The actual loan information can only be determined after the audit of the handling bank. If PBOC subsequently changes the benchmark loan interest rate, the personal loan execution interest rate may also change, which may eventually lead to a change in the monthly payment. Thank you for your attention and support!
How much can the house be mortgaged to the bank for loan?
It depends on the purpose of the loan. If you apply for a loan from China Merchants Bank, we have personal consumption loans, which are issued by our bank to natural persons for personal or family legitimate consumption purposes such as car purchase, parking, decoration, education, bulk shopping and tourism. , generally secured by real estate mortgage. You need to provide your personal information and proof of the specific use of funds, and apply through the counter personal loan department.
Generally, commercial housing is used as collateral, and the mortgage rate shall not exceed 70% of the present value of real estate appraisal; Where commercial houses are mortgaged, the mortgage rate shall not exceed 60% of the net value of real estate appraisal or 50% of the present value of appraisal. For educational purposes, the term shall not exceed 8 years (inclusive).
How to calculate the bank loan mortgage housing loan in 20 10?
You still have to tell us what the interest rate is.
Suggestion: there is a little thing called financial calculator. You can search and download one. As long as you know the loan amount, interest rate (usually monthly interest), term (usually calculated according to how many months), and then there are options such as equal principal and interest or average capital, you can try it.
I want to mortgage my house to the bank for a loan of 200,000 yuan, which will be paid off in 20 years. How much is the monthly interest?
Hello, what is the purpose of your loan? Which city are you going to apply for? I suggest that you can go through the "online customer service": forum. cmbchina。 /CMU/icslogin.aspx？ From=Blogincmu=0 Learn more about it according to your own specific situation. Thank you for your attention and support!
How much is the interest on mortgage of the house to the bank for 338,000 yuan 10 year?
At present, the annual interest rate of loans from June to June (including June) announced by the People's Bank of China is 4.35%, from June to 1 year (including 1 year) is 4.35%, from 1-3 years (including 3 years) is 4.75%, and from 3 to 5 years (including 5 years). You can enjoy a discount when you buy the first suite, and the lowest benchmark interest rate can be lowered by 30%~
How much is the mortgage bank loan of 400 thousand paid off in 20 years every month at the current interest rate
Unlike banks, the monthly interest rate of the four major mortgage banks is around 0.6%. Calculated, it is still 3 149.4 per month.
How much is the rural commercial loan in 224 installments a month?
There are two repayment methods: average principal and equal principal and interest. Different repayment methods will generate different interest.
Different loan options have different interest rates. The common commercial interest rate of mortgage is relatively high, and the interest rate of provident fund loan is relatively low. If you use a credit card, the interest rate will be different.
1, mortgage (commercial loan)
1. Equal principal and interest
Matching principal and interest: the total monthly repayment amount is fixed, in which the principal part increases month by month and the interest part decreases month by month.
Calculation formula of equal principal and interest: monthly repayment amount = monthly interest rate of principal (1 interest rate), loan months /( 1 interest rate), repayment months-1.
Monthly interest rate = annualized interest rate/12
65,438+0,20,000 yuan in 24 installments. If calculated according to the loan annual interest rate LPR of 4.65%, the total interest is * * * 983. 165438 0 yuan, the total repayment amount is 20983.438+0 1 yuan, and the monthly repayment amount is 874.30 yuan.
2. Twenty thousand yuan is divided into 24 installments. If the annual interest rate of the loan is 4.9%, the total interest is * *1036.78 yuan, the total repayment is 2 1 036.78 yuan, and the monthly payment is 876.53 yuan.
Second, the average capital
Average capital: the total monthly repayment decreases, in which the principal part is fixed and the interest part decreases month by month.
Average fund calculation formula: monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.
Monthly interest rate = annualized interest rate/12
65,438+0,20,000 yuan in 24 installments. If calculated according to the annual loan interest rate LPR of 4.65%, the total interest is ***968.75 yuan, and the total repayment amount is 20,968.75 yuan. Monthly payments are as follows:
No.65438 +0: 9 10.83 yuan, No.2: 907.60 yuan, No.3: 904.38 yuan, No.4: 901./5 yuan, No.5: 897.92 yuan.
........
No.65438+No.09: 852.7 1 yuan, No.20: 849.48 yuan, No.265438 +0: 846.25 yuan, No.22: 843.02 yuan, No.23: 839.79 yuan and No.24: 836.56 yuan.
2. Twenty thousand yuan is divided into 24 installments. If the annual interest rate of the loan is 4.9%, the total interest is *** 1 020.83 yuan, and the total repayment is 2 1 020.83 yuan. Monthly payments are as follows:
No.65438 +0: 9 15.00 yuan, No.2: 91.60 yuan, No.3: 908. 19 yuan, No.4: 904.79 yuan, No.5: 90/kloc-0.
........
No.65438 +09: 853.75 yuan, No.20: 850.35 yuan, No.265438 +0: 846.94 yuan, No.22: 843.54 yuan, No.23: 840. 14 yuan, No.24: 836.74 yuan.
Second, provident fund loans.
The calculation of provident fund loans is the same as that of commercial loans, but the loan interest rate is different. The interest rate of provident fund loans is 3.25%, which is an annualized interest rate, far lower than that of commercial loans.
1. Equal principal and interest
Twenty thousand yuan is divided into 24 installments. If the annual interest rate of the loan is 3.25%, the total interest is ***684. 10 yuan, the total repayment is 20,684. 10 yuan, and the monthly payment is 8,665.438+0.84 yuan.
Second, the average capital
Twenty thousand yuan is divided into 24 installments. If the annual interest rate of the loan is 3.25%, the total interest is ***677.08 yuan, and the total repayment is 20,677.08 yuan. Monthly payments are as follows:
Phase I 1: 887.50 yuan, phase II: 885.24 yuan, phase III: 882.99 yuan, phase IV: 880.73 yuan and phase V: 878.47 yuan.
........
No.65438 +09: 846.88 yuan, No.20: 844.62 yuan, No.265438 +0: 842.36 yuan, No.22: 840. 10 yuan, No.23: 837.85 yuan, No.24: 835.59 yuan.
Third. Credit card installment payment
The credit card installment rate for large consumption depends on the number of installments. The shorter the number of installments, the lower the interest rate. Conversely, the longer the number of installments, the higher the interest rate. The common periods are 3, 6, 9, 12, 18, 24 and 36, that is, the shortest period is 3 and the longest period is 36.
20,000 yuan is divided into 24 installments, and the handling fee is charged at one time. The interest rate is 65,438+04.88%, the total interest is 2,976.00 yuan, the total repayment is 22,976.00 yuan, and the monthly payment is 833.33 yuan.
Is the interest on credit card borrowing high? How much is a loan of 20,000 12 a month?
Is the interest on credit card borrowing high?
Interest on credit cards is calculated on a daily basis, with a daily interest rate of 0.05%. After the credit card loan is divided into three installments, the rate is 0.72%, 0.7% for the sixth installment and 0.66% for 12 installment. The loan interest is calculated according to the central bank's benchmark loan interest rate, and the interest rate in 1 year is 4.35%. In addition, the longest interest-free repayment period of credit cards is 56 days, while loans have no interest-free repayment period and must pay interest on time.
How much is a loan of 20,000 12 a month?
Different credit cards, different installment rates and different interest rates.
1. ICBC:
ICBC 12' s credit card installment interest rate is 7.2%, so the interest of 12' s credit card installment of 20,000 is: 20,000× 7.2% =1440 yuan.
2. China Merchants Bank:
China Merchants Bank credit cards are divided into 12 installments, and the rate of each installment is 0.53%, so the interest of 12 installment of 20,000 credit cards is: 20,000× 0.53 %×12 =1272 yuan.
3. Bank of Communications:
The Bank of Communications credit card is divided into 12 installments, and the rate of each installment is 0.72%, so the interest of 12 installment of 20,000 credit cards is: 20,000× 0.72% x12 =1728 yuan.
4.Pufa:
Shanghai Pudong Development Bank is divided into 12 installments, and the rate of each installment is 0.8 1%, so the interest of credit card with 20 cents 12 installment is: 20000× 0.81%x12 =1944 yuan. However, it should be noted that the credit card installment rates of major banks are not fixed despite a set of norms. Local banks may adjust the installment rate according to local phenomena and different types of cardholders.
China Everbright Bank's fee deduction standard at this stage:
1. Fee standard for withdrawal of installment business: the fee for withdrawal of installment business is equal to the total installment amount multiplied by the corresponding installment fee rate, which will be deducted in the month when the installment payment takes effect, and deducted once in the next installment, and the fee for early repayment will not be refunded. At this stage, our bank will start the withdrawal installment business in phases 3, 6 and 9 12, with the calendar period rate.
The details are as follows: 3% for the 3rd installment (month), 5% for the 6th installment (month), 7% for the 9th installment (month),120009.5% =1/40 yuan, and the handling fee will be repaid every month.
2. Credit card installment, sales installment, POS installment, optional installment, and smart business credit card installment fee. The rate of 12 installment is: 8.85% for one-time deduction and 0.80% for equal principal and interest in installments. So: one-time deduction: the first month 120008.85 = 1062 yuan, and the second month 12000/ 12 * * and 2062 yuan. Repayment of principal and interest in equal installments: 120000.80% = 96 yuan 12000/ 12, with monthly repayment of 1096 yuan. Looking forward to helping you.
430,000 yuan loan, 17, with an annual interest rate of 5.3, how much is the monthly repayment?
Hello, according to the information you provided, the monthly repayment amount of your loan 17 is: monthly repayment amount = 430,000 5.3%/12 = 22,650 yuan. Because the loan interest rate is floating, the monthly repayment amount may change. I suggest you pay close attention to the change of loan interest rate in time so as to adjust the repayment plan in time.
How much is the mortgage for a month?
If you borrow from China Merchants Bank, the specific monthly payment depends on your loan execution interest rate, repayment method, amount, term, etc. You can make a trial calculation of monthly payment through China Merchants Bank official website or mobile banking, and the trial results are for reference only.
Mobile banking: log in to mobile banking and click My-All-Assistant-Financial Calculator-Loan Calculator;
China Merchants Bank Home Page: Central Financial Instrument-Personal Loan Calculator.
Enter the loan amount, annual interest rate, loan term, repayment method and other information, and try to calculate the monthly loan amount and interest.