The new house is like this. There will be an evaluation of second-hand houses. For example, if you buy a house of 6,543,800+and the appraised value is 90,000, then your loan amount is 90,000 x 70% = 63,000, 6,543,800+10,000-63,000 = 37,000; Now 37 thousand is your down payment, not 30 thousand as you understand it;
What the bank determines is the loan amount. If your transaction price and evaluation value are lower, execute 70%. If it is a second-hand house, this is the case above.
What does the mortgage ratio mean? What is the mortgage ratio of housing loans in general?
Mortgage percentage refers to the proportion of bank loans that can be obtained in the process of buying a house to the total value of the house. The mortgage ratio is divided into two situations:
Under normal circumstances, the down payment of commercial housing is 30%, and the mortgage ratio is 70%, which is 70%. Under special circumstances, you can pay 20% down payment and 80% mortgage. For example, in the first few months of May, 2065438+2006, the mortgage ratio can be 80%. The proportion of housing provident fund loans is also relatively high.
Except for housing, the mortgage ratio will not be higher than 50%, such as commercial housing.
What does the mortgage percentage in the mortgage calculator mean?
Here's the thing. For example, the house you want to buy, the unit price is 3500, 120 square meter, and the total price is 420,000. For example, you can choose 30% (30%), you pay the down payment: 420,000 x 30% =126,000, and the remaining 294,000 (70% of the house price) can go to the bank for a loan.
Percentage refers to a few tenths, one tenth is 10%, and three tenths is 30%.
What does the mortgage ratio mean in loans and mortgages? How can I return it?
Refers to the proportion of total loans to total housing.
Mortgage percentage = loan amount/total house payment
Matching principal and interest repayment method, that is, the borrower repays the loan principal and interest in equal amount every month, in which the monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled every month. Because the monthly repayment amount is equal, in the initial monthly repayment of the loan, after excluding the monthly settlement interest, the loan principal is less; In the later stage of the loan, due to the continuous reduction of the loan principal, the loan interest is continuously reduced in the monthly repayment amount, and the monthly repayment of the loan principal is more. This repayment method actually takes up more bank loans and takes longer. At the same time, it is also convenient for borrowers to reasonably arrange their monthly life and financial management (such as renting a house, etc.). ) is undoubtedly the best choice for those who are proficient in investment and are good at "taking Qian Shengqian as their home".
Advantages: Pay the same amount every month. As a lender, the operation is relatively simple. Bear the same amount every month, which is also convenient for arranging income and expenditure.
Disadvantages: Because the interest will not decrease with the repayment of the principal amount, the bank takes up a long time of funds, and the total interest of repayment is higher than the average principal repayment method to be introduced below.
Applicable people: families with stable income, buying a house for self-occupation and economic conditions that do not allow excessive investment in the early stage. You can choose this way, such as civil servants, teachers and other groups with relatively stable income and job opportunities.
I hope it helps you.
What does the mortgage ratio mean?
Direct explanation: 30% down payment and 70% loan means: 30% down payment and 70% bank loan!
What does the mortgage percentage on the home loan calculator mean?
Mortgage ratio refers to the proportion of loans you need (accounting for the total house price); Suppose the house you buy is 654.38+00,000 yuan, and the mortgage ratio is 70%, which means that you need a loan of 700,000 yuan. I hope my answer will satisfy you.
What does the "mortgage percentage" on the housing loan calculator mean?
Mortgage percentage means: divide the total house price into 10 shares, and each share is called 10%. Excluding the down payment ratio, the rest is the "mortgage ratio".
What does the loan ratio mean?
The loan percentage is the proportion of the loan amount to the total house price, 10% is 10%, and 20% is 20%. Generally, we say that the down payment is 30%, then the loan ratio is 70%.