State-owned banks, including China Bank, China Agricultural Bank, China Construction Bank, China Industrial and Commercial Bank, China Bank of Communications and China Postal Savings Bank, can be selected for mortgage purchase. These banks are comprehensive, large-scale commercial banks and diversified.

What does the mortgage lender care about?

First, look at the loan interest rate discount.

To apply for a mortgage, we must first look at the discount of the bank loan interest rate. The benchmark interest rate for loans over five years set by the central bank is 4.9%. However, in practice, local banks will set interest rate discounts according to the overall environment of the mortgage market, so that low interest rates mean less mortgage interest, which is the key for buyers to save money and the first factor to consider when choosing a bank.

Second, look at the preferential threshold for loans.

Under normal circumstances, not everyone can enjoy interest rate concessions for the requirements set by banks. This is another criterion for choosing a bank that we want to talk about-looking at the threshold for loans, including the threshold for obtaining interest rate concessions.

Banks also have different requirements for the age of second-hand houses. For example, some banks require that the age of second-hand houses applying for loans should not exceed 20 years, and banks strictly require that they should not exceed 10 years.

Third, look at the bank's interest adjustment method.

Mortgage interest directly affects the lender's economic pressure, and when the central bank raises interest rates or cuts interest rates, mortgage interest will vary according to different banks and students.

2. Which repayment method is the most cost-effective for mortgage loan for 20 years?

Hello, the choice of repayment method actually depends on your actual situation. According to the actual situation of different customers, the appropriate repayment methods are different. By comparing the monthly repayment amount and the final repayment interest of the two repayment methods, that is, the equal repayment method fixes the monthly repayment amount in advance under the condition that the interest rate remains unchanged, which is convenient for you to remember. The repayment method in the average capital is to divide your loan principal into equal parts within the loan period, and the loan principal returned every month is the same. Because the monthly repayment interest is calculated according to the loan principal, the repayment method in the average capital requires the customer's repayment ability at first, and the initial repayment pressure will be greater, but the monthly payment will decrease month by month, and the repayment pressure will be relatively smaller and smaller. At the same time, under the condition of constant interest rate, the interest paid by equal repayment method will be higher than that paid by average capital repayment method.

Third, mortgage, which bank is the best?

State-owned banks can be selected for housing loans, including China Bank, China Agricultural Bank, China Construction Bank, China Industrial and Commercial Bank, China Bank of Communications and China Postal Savings Bank. These banks are comprehensive large-scale commercial banks with wide coverage and diversification.

Matters needing attention in mortgage loan

First, look at the loan interest rate discount.

To apply for a mortgage, we must first look at the discount of the bank loan interest rate. The benchmark interest rate for loans over five years set by the central bank is 4.9%. However, in practice, local banks will set interest rate discounts according to the overall environment of the mortgage market, so that the lowest interest rate and the highest interest rate appear. Low interest rate means less mortgage interest, which is the key for buyers to save money and the first factor to consider when choosing a bank.

Second, look at the preferential threshold for loans.

Under normal circumstances, banks have certain requirements for customers who want to get preferential interest rates, and not everyone can enjoy preferential interest rates. This is another criterion for choosing a bank that we want to talk about-looking at the threshold for loans, including the threshold for obtaining interest rate concessions.

Banks also have different requirements for the age of second-hand houses. For example, some banks require that the age of second-hand houses applying for loans should not exceed 20 years, while some banks strictly require that it should not exceed 15 years, and some banks require that it should not exceed 10 years.

Third, look at the bank's interest adjustment method.

Mortgage interest directly affects the lender's economic pressure, and when the central bank raises interest rates or cuts interest rates, mortgage interest will vary according to the different ways of bank interest adjustment.

Fourth, the mortgage 1 10000 is paid off in 20 years. What kind of loan method is used and which bank is the most suitable?

Are you a provident fund loan or a commercial loan? Interest rates vary greatly, and the requirements for provident fund lenders are higher.

1. There are two ways to repay the mortgage. One is to repay the principal and interest in equal amount every month during the repayment period. In this way, the actual loan interest rate is high and the repayment interest is high; Second, the average capital: the repayment amount is decreasing. In this way, the lender's actual loan utilization rate is slightly higher. If the monthly repayment is equal, the national interest rate will not be adjusted, and the repayment amount will be the same every year.

2. What kind of loan is your loan (housing provident fund or commercial loan)? Do commercial loans enjoy preferential interest rates of 30% and 15%?

Our interest rate is 8.5% (5.940.85=5.049%) and the mortgage loan is 20 years 100W.

Equal principal and interest:

The monthly repayment is 6626.656 yuan.

Pay interest of 590,397.45 yuan.

The total repayment amount is 1590397.45 yuan.

Average capital:

Pay interest of 507,003.75 yuan.

The total repayment amount is 1507003.75 yuan.

Amount paid in the first month: 8374. 17 yuan.

Payment at the end of the month (240 months): 4 184.20 yuan.

In addition: if the interest rate is 30%, it will be 4. 158%, and the mortgage loan will be100W. Take 20 years as an example.

Equal principal and interest:

The monthly repayment is 6 143438+08 yuan.

Pay interest of 4744 1 1.62 yuan.

The total repayment amount is1474411.62 yuan.

Average capital:

Pay interest of 4 17532.5 yuan.

The total repayment amount is 14 17532.5 yuan.

Repayment in the first month: 76,365,438+0.67 yuan.

Monthly repayment (240 months): 4 18 1. 10 yuan.

If you repay the loan in advance, the interest will definitely be different. You can consult the mortgage officer for specific changes, and they will give you detailed calculations, but there is a penalty interest for repaying the loan in advance. Clear attention ...

That's about it. It should be clear ... I hope it helps. ...