The bank will help you evaluate your house. The evaluation value is generally 90% of the market value. Based on the evaluation value, you can borrow 50%~70%. The repayment method is equal principal and interest repayment, which can last for 20 years and the minimum annual interest rate is 6. 14%. Based on the loan of 60, the monthly repayment is 4347. 19 yuan. The formula for calculating the monthly repayment amount of equal principal and interest is as follows: [loan principal × monthly interest rate ×( 1+ monthly interest rate )× repayment months ]⊙[( 1+ monthly interest rate )× repayment months]. Average capital refers to a repayment method of loans. During the repayment period, the total amount of loans is divided into equal parts, and the same amount of principal and interest generated by the remaining loans of the month are repaid every month. In this way, because the monthly principal repayment amount is fixed and the interest is getting less and less, the borrower is under great repayment pressure at first, but with the passage of time, the monthly repayment amount is getting less and less. Monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.

1. Housing mortgage loan process: the developer proposes the mortgage loan cooperation intention to the loan bank; The loan bank investigates the developer's development project, construction qualification, credit rating, person in charge's conduct, corporate social and commercial reputation, technical strength, operating conditions and financial conditions, and signs a mortgage loan cooperation agreement with qualified developers; The purchaser signs a commercial housing sales contract with the developer and pays the required down payment according to the contract requirements;

2. The purchaser shall, within seven days from the date of paying off the voluntary payment, provide materials that meet the requirements of the mortgage bank and directly apply for a mortgage loan from the developer cooperative bank. Specifically, it includes: commercial housing sales contract (for filing and registration), purchase down payment receipt, ID card, marriage certificate, income certificate and other materials deemed necessary by the bank; The loan bank investigates and reviews the situation and procedures of the buyers, and goes through the preliminary procedures with the buyers who meet the basic conditions (including the spouses of the buyers), including loan application, * * * * repayment form, commitment letter, conversation record, loan contract, IOU, etc. Then the purchaser opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval;

3. The application approval period is generally within 7 days. For overdue loans, the marketing department timely connects with the bank to understand the situation, solve the problem, actively assist the purchaser to complete the loan, and sign the phased guarantee procedures with the mortgage bank in time; After the lender approves the buyer's loan, the company will issue a receipt and issue an invoice to the buyer based on the receipt; In the future, as long as the borrower leaves enough repayment amount in the deposit account or bank card before the 20th of each month (quarter), the loan bank will automatically deduct it from the borrower's account and settle it at maturity; After the loan is returned, the lender cancels the collateral and returns it to the customer.