What are the calculation methods of commercial mortgage?

1, average fund: monthly payment = (principal/repayment months)+(principal-accumulated repaid principal) × monthly interest rate; Total repayment amount = (repayment months+1)× loan amount× monthly interest rate /2+ loan principal. 2. Matching principal and interest: total repayment amount = repayment months × loan amount ×( 1+ monthly interest rate) loan months /[( 1+ monthly interest rate) repayment months-1]

What should I pay attention to when buying a house with a loan?

I. Credit report inquiry

Before making a loan, buyers should first check their credit reports to confirm whether they can make a loan. Because of bad credit records, especially overdue credit cards, and a large number of bad records, even if other conditions meet the loan requirements, banks will refuse loans.

Second, understand the loan requirements

Before the loan, the applicant must first understand the loan requirements, and the loan requirements are different with different loan methods. For example, a provident fund loan requires the lender to pay a certain amount of provident fund on time, and the account is still in a normal payment state at the time of the loan. Therefore, property buyers should first understand the loan requirements before applying.

Third, prepare loan information.

When making a loan, it is best to prepare the materials in advance, so that the loan can be successfully completed and the loan time can be saved. Because different regions have different requirements for information, you can call the relevant departments or banks to ask for specific matters first.

Fourth, inquire about real estate information.

Buyers should pay attention to inquiring about real estate information, and need to fill in the "property owner", "registration case number" and "property right certificate number" accurately. In order to avoid buying a property that cannot be traded.

Verb (abbreviation for verb) considers the details of the contract.

Signing a loan contract is very important. Before signing a contract, you should read it carefully and understand its contents. If you have any opinions or don't understand, you should raise them in time to avoid trouble in the future.

Bian Xiao concluded: What are the above calculation methods of commercial mortgage? I hope it will help everyone! When making a loan, you must understand the calculation method of the loan. The loan method you choose is different, and the total loan amount and monthly payment are also different.

What is the maximum amount of commercial loan for buying a new house?

1. The commercial loan amount for the first suite shall not be higher than 80% of the actual total purchase cost or the appraisal value of the real estate appraisal agency; The amount of commercial loan for the second home is not higher than 70% of the actual total cost or evaluation value. Different banks have different loan quotas, which depends on the requirements of the lending banks.

2. The quota/down payment ratio of China Merchants Bank's general housing loans (including first-hand buildings and second-hand buildings) is as follows: the minimum down payment ratio of the first suite is 30%, that is, the maximum loan amount does not exceed 70% of the value of the purchased property; (cities that do not implement "purchase restriction" are adjusted to not less than 25%); The minimum down payment ratio of the second suite is 40%, that is, the maximum loan amount does not exceed 60% of the value of the purchased property.

1. Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same.

2. Personal housing commercial loans are self-operated loans issued by banks with their credit funds. Residents who buy self-occupied housing in cities and towns in this city apply for commercial housing loans from banks with the purchased property housing (or other guarantee methods recognized by banks) as collateral as a guarantee for repayment of loans.

3. Personal housing commercial loan is a kind of loan that China citizens apply to the bank for the purchase of commercial housing. According to the relevant regulations of the bank, anyone who meets one of the following two conditions can apply for loan varieties: first, residents who participate in housing savings; Second, the house seller and the loan bank agreed that the real estate guarantee enterprise would provide guarantee to the bank for the residents' house purchase loan.

Source: Baidu knows-commercial loan

What is the maximum amount of bank mortgage?

Provisions on loan amount:

The amount of bank mortgage is comprehensively calculated according to factors such as house price, loan term, repayment ability and loan amount.

1. If it is a commercial loan, the maximum amount is 70% of the house price;

2. At the same time, the loan term cannot exceed 30 years. If it is a second-hand house, the loan period+house age cannot exceed 30 years;

3. The loan term is determined, and the monthly repayment ability cannot exceed 50% of the family income.

Combining the above three factors, the minimum value is the maximum loan amount.

Details of the subjects:

Calculated by the loan term of 30 years, the amount of the main loanable provident fund is:

Sum of the monthly contributions of the borrower and spouse to the provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan term (maximum loanable period):

That is,150 ÷ (150 ÷ 2000) ×12× 0.45× 30 = 32400 (yuan).

If you need a loan of 500,000 yuan, you need to apply for a commercial loan of about 6.5438+0.8 million yuan with a term of 30 years, and the loan interest rate is 4.9% of the benchmark interest rate.

According to the regulations, the monthly income of the lender is greater than or equal to the monthly mortgage payment X2, and the monthly income of 2000 can be satisfied.

Therefore, if the subject applies for both commercial loans and provident fund loans, he can borrow 500,000 yuan.

Extended data:

Housing loan is any form of housing loan support provided by banks and other financial institutions to buyers, usually with the purchased house as collateral. According to the source of loan funds, it is divided into provident fund loans and commercial loans.

According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method. The housing loan interest rate is based on the benchmark interest rate of banks in the same period, and the loan interest rates of different banks have slightly increased.

loan limit

Maximum loan amount of housing provident fund

1. The loan amount shall not exceed the borrower's family repayment ability within the loan period.

Loan amount = total monthly salary of the borrower and his/her spouse × repayment ability coefficient of employees × 12 (month )× loan period. The repayment ability coefficient of employees is determined according to the different loan years, which is 35% in 1 to 10 and 40% in1to 30 years. Total monthly salary = monthly contribution of individual account housing provident fund ÷ (unit contribution rate+individual contribution rate)

For example, the monthly housing provident fund deposit in the borrower's housing provident fund account is 160 yuan, and the individual and unit deposit rates are 8%. The monthly housing provident fund deposit in the spouse's housing provident fund account is 286 yuan, and the individual and unit deposit rates are 13%, so the borrower's monthly salary is160 ÷ (8%+8.

2. The loan amount shall not exceed a certain percentage of the house price.

For the purchase of commercial housing, cooperative housing, affordable housing (housing) and self-built housing, the loan amount shall not exceed 70% of the house price or construction cost;

Now living in public housing, renovation of housing, overhaul of self-housing, the loan amount shall not exceed 50% of the housing price or housing repair costs;

The loan amount for purchasing private houses shall not exceed 70% of the appraised value and transaction price of the houses;

The loan amount for the replacement of public housing shall not exceed 50% of the compensation fee for the replacement of public housing assessed by the replacement enterprise, and if the property right of public housing is purchased at the same time, the loan amount shall not exceed 50% of the compensation fee for the replacement of public housing and the total selling price of public housing.

On March 30, 20 15, the central bank issued a notice: households with 1 apartment and outstanding mortgage apply for commercial loans to buy ordinary self-occupied houses again, and the minimum down payment ratio will be reduced to not less than 40%;

Use the provident fund loan to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%; Those who own 1 apartment and have settled their mortgage will apply for provident fund loans again to buy ordinary self-occupied housing, with a minimum down payment ratio of 30%.

3, the loan amount does not exceed a certain multiple of the balance of housing provident fund deposits.

The loan amount shall not exceed 15 times of the balance of the housing provident fund paid by both husband and wife of the borrower.

4. The loan amount shall not exceed the maximum loan amount determined by the leading group for housing reform.

Organs, organizations, institutions, domestic-funded enterprises in accordance with the unified provisions of this Municipality to pay housing provident fund, or in accordance with the provisions of the approval to reduce the proportion of housing provident fund deposit, the maximum loan amount is 6.5438 million yuan;

Where the deposit ratio of any unit or individual of the borrower's husband and wife exceeds the deposit standard of organs, organizations, institutions and domestic-funded enterprises uniformly stipulated by our city, that is, the deposit ratio before July 2000 is higher than 7%, and the deposit ratio after July is higher than 8%, and the maximum loan amount is 6,543,800 yuan+0.2 million yuan.

Our city stipulates that the housing accumulation fund deposit ratio of foreign-invested enterprises is higher than that of domestic-funded units. Therefore, where foreign-invested enterprises and their employees pay the housing provident fund according to the prescribed proportion (the proportion before July 2000 was 12%, and the proportion after July 2000 was 13%), the maximum loan amount was 120,000 yuan.

The maximum amount and multiple of the balance of housing provident fund paid by both husband and wife of the borrower shall be adjusted by the leading group for urban housing system reform in accordance with the actual situation.

How to calculate the commercial loan of the house?

When buying a new house, many people usually borrow money from the bank for economic reasons. How to calculate the commercial loan for that house? Let's take you to know about it.

If you buy a house with a commercial loan, there are generally two calculation methods:

1. Equal principal and interest method: the calculation formula is monthly repayment amount = principal * monthly interest rate *[( 1+ monthly interest rate) n/[( 1+ monthly interest rate) n- 1]. Total interest = monthly repayment amount * loan months-principal. In the formula, n represents the number of loan months, and n represents the power of n, such as 240, representing the power of 240 (loan for 20 years and 240 months). Monthly interest rate = annual interest rate/12.

2. Average capital method: the calculation formula is monthly repayment amount = principal /N+ residual principal * monthly interest rate; Total interest = principal * monthly interest rate * (loan months /2+0.5).