There is no need to elaborate on how critical it is to buy a house. Everyone must be clear, but even if it is critical, we must do what we can. Sometimes choosing a house is too urgent, which will definitely bring some bad effects to yourself, so now we should consider it comprehensively, especially to understand the loan. What about the mortgage portfolio loan? What are the requirements for handling mortgage portfolio loans?

Mortgage portfolio loan calculation?

Among the calculation methods, the matching method is also the best. The calculation formula of matching method is monthly repayment amount = (monthly interest rate (1+ monthly interest rate) total contribution periods /( 1+ monthly interest rate) total contribution periods 1) loan principal. The calculation formula of diminishing method is monthly repayment amount = loan principal/total contribution period+(accumulated repaid principal) monthly interest rate.

Whether it is our provident fund loan or commercial loan, our interest-bearing method is related to the repayment method we choose. We can calculate interest according to these two repayment methods, and the calculation method is as follows:

1. average capital repayment method: divide the loan amount into n installments according to the number of repayment periods, and multiply the unpaid principal amount of each installment by the loan interest rate until the current interest is paid off.

2. Matching principal and interest repayment method: the principal and interest are annualized during the loan period, and the sum of principal and interest in each period is equal. The calculation of interest is complicated, and the interest of each period is not equal, but the sum of principal and interest of each period is equal.

3. The interest in the first installment is the occupied principal multiplied by the loan interest rate, and the principal repaid in the first installment is the equal annuity repaid in each installment minus the interest in the first installment. The calculation of the second period interest is to subtract the principal repaid in the first period from the total loan principal to get the second period principal, and then multiply it by the loan interest rate to get the second period interest payable, and so on.

What are the requirements for handling mortgage portfolio loans?

1. The original and photocopy of the borrower's and spouse's ID cards, as well as a copy of the back of the second-generation ID card. Both sides are on the same A4 paper.

2. The original and photocopy of the borrower's marriage certificate.

3. The original and photocopy of the borrower's household registration book (home page and personal page), and the original and photocopy of the temporary residence permit shall be provided for the foreign household registration.

4. The original and photocopy of the seller's ID card, household registration book and marriage certificate.

5. Original and photocopy of the property right certificate.

6. Original house purchase and sale agreement.

5. Original housing appraisal report.

6, provident fund savings card and a copy.

7. Original and photocopy of receipt and payment voucher.

8. Proof of the borrower's fixed income.

9. Other materials as stipulated by the provident fund management bank.

The above content mainly describes Bian Xiao's calculation of mortgage portfolio loans? What are the specific requirements for mortgage portfolio loans? Different loan choices have different skills. At the same time, determine the calculation method, because some calculation methods will be very different, so once you are not clear, it will make you confused when dealing with it, which will affect your interest.