Please pay attention to the official account of "Bank of China Micro-Banking" WeChat, select the function of "Microfinance-Function Hall-Financial Tools and Information Inquiry-Loan Calculator" in the menu below, and enter the calculation conditions according to the page prompts for inquiry.
The above contents are for your reference. Please refer to the actual business regulations.
How to use the commercial loan calculator? Can commercial loans be repaid in advance?
Commercial loan is a common loan method now, especially buying a house. You consult the sales staff in the sales office, and the general sales staff will calculate a commercial loan account for you as a reference. Many friends personally don't know much about the calculation of commercial loans, so how to use the commercial loan calculator? Can commercial loans be repaid in advance?
Commercial loan is a common loan method now, especially buying a house. You consult the sales staff in the sales office, and the general sales staff will calculate a commercial loan account for you as a reference. Many friends personally don't know much about the calculation of commercial loans, so how to use the commercial loan calculator? Can commercial loans be repaid in advance?
First of all, how to use the commercial loan calculator
1, equal principal and interest method: the calculation formula is monthly repayment amount = monthly principal interest rate [( 1 interest rate) n/[( 1 interest rate) n- 1], where n represents the number of loan months and n represents the power of n, such as 240 represents the power of 240. Total interest = monthly repayment amount-loan months-principal; After calculation, the monthly repayment amount is 5343.38 yuan (the same every month).
2. Average capital method: the calculation formula is monthly repayment amount = N-month interest rate of principal/residual principal; Total interest = monthly interest rate of principal (loan months /20.5). After calculation, the monthly repayment amount is 6883.33 yuan (decreasing month by month, and the repayment amount in the next month is 2933. 19 yuan). The total repayment amount is 1 177983.33 yuan, and the total interest amount is 477983.33 yuan.
2. Can commercial loans be repaid in advance?
1, commercial loans can be repaid in advance, and now ordinary banks will ask for early repayment after one year. One year is a time when interest is high. If you pay back one year in advance, you will have to pay more liquidated damages. So I suggest you hand it in at least the next year in advance.
2. The penalty for prepayment is the same as the terms recognized in the contract between the borrower and the lender. Once the borrower pays off all the loans or most of the principal in advance within the specified time, the borrower will pay the liquidated damages. Liquidated damages are generally calculated according to the percentage of the outstanding balance at the time of prepayment (generally 2% to 5%); Or agree on interest for several months. However, liquidated damages are bound by contract or law.
We need to consult the bank. If part of the loan amount is repaid in advance, there are generally two options: one is to shorten the repayment period under the same monthly repayment amount, and the other is to shorten the repayment period under the same monthly repayment amount. Consult the bank clerk about repaying the loan in advance and determine the repayment amount.
The above is the introduction of how to calculate the commercial loan calculator and prepayment. Now many banks actually don't charge liquidated damages, but prepayment can only be avoided if it meets the requirements of banks for prepayment. Generally, banks with liquidated damages can also determine the amount of liquidated damages through negotiation between borrowers and banks, which is generally not too high.
Store loan interest rate calculator
Bank of China has personal commercial housing loans (including shops, businesses, etc. ), the interest rate of personal commercial housing loan is based on the loan market quotation of the National Interbank Funding Center (LPR) for the same period, and the interest rate shall not be lower than the loan market quotation plus 60BP. Where there are stricter provisions in relevant laws, regulations, regulatory provisions or national policies, those provisions shall prevail. As there are many types of loans from BOC, if there is a loan demand, it is recommended to contact local outlets for detailed consultation.
You pay attention to the official account of "China Bank Weizhong Bank" WeChat, and select "Microfinance-Function Hall-Financial Tools and Information Inquiry" from the menu below, with the function of loan calculator.
The above contents are for your reference. Please refer to the actual business regulations.
20 16 housing commercial loan calculator
Commercial loans and provident fund loans are the two preferred ways to buy a house. Compared with provident fund loans, the expected annualized interest rate of commercial loans is slightly higher, but the loan period is longer, which reduces the pressure on consumers. Do you know how to calculate the loan amount of commercial housing?
Repayment method of housing commercial loan:
1, repayment method of equal principal and interest
That is, the borrower repays the loan principal and interest with the same amount every month, also known as the equal principal and interest method. It is characterized by the same principal and interest in monthly repayment, which is easy to budget, and the initial repayment pressure is reduced, but the interest in initial repayment accounts for most of the monthly repayment, and the proportion of principal in repayment is gradually increased, while the proportion of interest is gradually reduced, thus achieving a relative balance. The interest paid by this repayment method is high, but the pressure of prepayment is not great.
2. Average capital repayment method
That is, the borrower repays the principal in equal amount every month, and the loan interest decreases month by month with the principal, and the repayment amount also decreases month by month, so it is also called the diminishing method. Its characteristic is to repay the principal every month and calculate the interest on a daily basis according to the loan principal amount. The early repayment amount is large, and the monthly repayment amount is gradually reduced. The interest paid by this repayment method is low, but the pressure of prepayment is great.
20 16 explanation of the maximum amount of provident fund loans: (see the documents of the local housing authority for specific provisions)
Beijing: The maximum loan for the municipal provident fund is 6.5438+0.2 million yuan, and the maximum loan for the state provident fund is 6.5438+0.2 million yuan.
Shanghai: The maximum personal provident fund loan is 600,000 yuan, and the maximum family loan is 1.2 million yuan.
Guangzhou: The maximum loan for individual provident fund is 600,000 yuan, and the maximum loan for husband and wife is 654.38+0.2 million yuan.
Chengdu: The maximum amount of personal and family provident fund loans is 600,000 yuan, and the amount of Chengdu provident fund loans is 30 times the balance of personal deposits.
This concludes the introduction of online commercial loan calculator and commercial loan calculator. Did you find the information you needed from it?