The interest rate of the five-year loan is 7.65%, and the principal is 1.5 million. The repayment method of the matching principal and interest is: monthly repayment of 30 1.6. 9, and the total interest expenditure is 30,983. Methods: Repay 3,456.25 yuan in the first month, then reduce about 65,438+0.6 yuan every month, and the total interest expense is 2,965,438+0.62 yuan. The above is calculated according to the benchmark interest rate, and the bank may give 15% interest rate discount according to different situations, in which case the amount will be less than the above calculation. The meaning of LZ. Is LZ going to be a mortgage or a mortgage loan? What to buy with a loan?
2. Monthly payment is 6.5438+0.5 million yuan.
Spread out completely
It depends on your monthly income and loan period. For example, if the loan is 1.5 million, 1.00 years, the monthly principal is 1.250 yuan, and the monthly income is 2,500 yuan, then you only have 1.00 yuan for living expenses. If the income of two people is around 3000 yuan, 65438 yuan can be arranged. If the loan is 15, and the monthly principal is 833, and the interest is within 1000 yuan, you can use 1500 yuan as the living expenses and do two things without improving the quality. Of course, it's better to wait until they have income at home.
3. The total house price is 500,000 yuan, and the down payment is150,000 yuan. How much is the monthly repayment after 20 years?
Loan amount = house price-down payment = 500,000 yuan-150,000 yuan = 350,000 yuan. The annual interest rate of the provident fund is 3.25%( 1). The loan term is 20 years. The total debt service is 476,444.44 yuan. Total interest 126444.44 yuan. Monthly repayment 1985. 18. 38+0 14224.24 The monthly repayment of the head of state is RMB 2,406.25, with the monthly repayment reduced by RMB 3.95. (3) The loan term is 30 years, with the total debt service of RMB 548,359.96,198,359.96, and the monthly repayment of RMB 1523.22.
Iv. The personal housing loan is 6,543,800+0.5 million. How much should I pay back in one month?
Personal housing loan 1.5 million yuan, and it will be paid back about 301.6 in one month. 39 yuan.
The interest rate of the five-year loan is 7.65%, the principal is 654.38+0.5 million, and the repayment method of equal principal and interest: monthly repayment is 3065.438+0.6.39, and the total interest expenditure is 30983.74; Average capital repayment method:
The repayment in the first month is 3,456.25 yuan, and then it is reduced by about 16 yuan every month, and the total interest expense is 29 165.62 yuan. The above is calculated according to the benchmark interest rate, and the bank may give 15% interest rate discount according to different situations, in which case the amount will be less than the above calculation.
Application procedures for individual housing loans
1,/kloc-a natural person over 0/8 years old but under 65 years old, with legal and valid identity certificate, residence certificate and income certificate, no bad credit record and full capacity for civil conduct;
2. The sum of the applicant's age and the loan period shall not exceed 70;
3. There is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements;
4. The borrower's occupation and economic income are stable, and he has the ability to repay the loan principal and interest;
5. There is a valid guarantee recognized by the handling bank;
6. Open a personal settlement account in the handling bank, and handle the settlement business such as loan issuance and repayment through the natural life family financial card;
7. Other conditions stipulated by the handling bank.