China Construction Bank's first home loan interest rate in 2020: within one year (including one year), the annual interest rate is 4.35%; The annual interest rate for one year to five years (including five years) is 4.75%; The annual interest rate for more than five years is 4.90%. Personal housing provident fund loan: the annual interest rate for five years and below is 2.75%; The annual interest rate for more than five years is 3.25%.

According to the calculation formula of general mortgage repayment method, it can be divided into two ways: equal principal and interest and average principal. The first is the calculation formula of equal principal and interest. Calculation principle: in the monthly payment, the bank collects interest first and then the principal; The interest ratio decreases due to the decrease, and the principal ratio increases due to the increase, but the total monthly contribution remains unchanged. Second, the calculation formula of average capital: monthly repayment amount = monthly principal+monthly principal and interest = principal/repayment months = monthly principal and interest = (principal-accumulated repayment amount) x monthly interest rate.

Jiangxi is located in the middle and lower reaches of the Yangtze River, and its economic development level is not high in the whole country. But from the perspective of real estate, Jiangxi's housing prices are not low. As the provincial capital, Nanchang's housing price is naturally the highest in the province. As a weak second-tier city, Nanchang is the capital of Jiangxi, and its overall economic strength is not strong. In 20 17, Nanchang's GDP just broke through the 500 billion yuan mark, and compared with the capital cities of neighboring provinces, such as Wuhan, Changsha and Hefei, there is still a considerable gap. However, from the absolute value of housing prices, there is no distance between the housing prices in downtown Nanchang and these cities. From this perspective, there is a housing price bubble in some areas of Nanchang. On the other hand, the housing prices in Nanchang are also unbalanced. The price of new houses such as Jinxian and Anyi in the suburbs is still around 6,000 yuan per square meter, which is not even comparable to other economically underdeveloped poverty-stricken counties in Jiangxi. With the continuous influence of regulatory policies and the crowding-out effect of housing prices, these price depressions will be filled in one after another.