The first suite was second-hand, and was bought through an intermediary. In 2005+2005, it borrowed 350,000 yuan from the Postal Savings Bank, with a benchmark of 7.05%. What did the agent say about the monthly interest rate of 5.8%? Hello, I happen to work in the credit department of Postal Savings Bank, and I am in charge of second-hand housing mortgage loans.

1. Loans are divided into short-term, medium-term and long-term loans. Long-term loans for more than five years, the current benchmark interest rate is 7.05%. Matching principal and interest repayment means paying the same amount every month (interest+principal). The long-term loan interest rate of all banks is affected by the benchmark interest rate, so yours is the same. Generally, the central bank raises interest rates by 65438+ 10/month every June. If the interest rate is lowered, your loan will be reduced, and vice versa. Actually, this year is even better. In the second half of last year, the interest rate of the first suite has been raised by 10%. As for this, it is very complicated, involving factorial, prescription and so on. So there are ready-made loan calculators online. Just do a search.

I'm just about to buy a house. I hope you can buy a suitable house. You can send me a message if you are not clear, angle _ 0926 @163.com.qq: 85376454.