1, high pension service annuity insurance
For example: love life, be happy and raise more.
It is a rare high pension service annuity insurance in the financial market at present, and the policy value of this commodity has always existed. Although the value of the policy will gradually decline after gradually receiving the annuity, it will not fade and will always exist. Because the annuity receives a high credit card amount and the policy value is good, the total survival income of this product is also excellent.
From the age of 60, the beneficiary can receive an annuity of 45,000 yuan per year without capital preservation, but the credit line of this commodity annuity is very good. The insured can receive an annuity of 495,000 yuan at the age of 70 and 945,000 yuan at the age of 80. The longer he lives, the more annuity he can receive and enjoy lifelong cash flow.
2. Annuity insurance for high-income and high-end pension communities.
For example: No.2, everyone mentioned a lot.
This is the annuity insurance under many people's pension service groups. Suitable for people aged 28 days to 64 years to buy insurance to protect their lives. From the age of 55 (lady), 60 or 65, the insured can receive an annuity for life. The credit line of this product annuity is still relatively high, and if the premium is qualified, you will have the opportunity to enjoy the right to move into a high-end pension community.
From the above example, we can know that this product is getting old from the annuity, and the annual annuity credit line is very high. You can get 100% of the basic insurance amount every year, that is, 77,900 yuan, which is guaranteed for 20 years. Therefore, regardless of whether the beneficiary lives to the age of 80, the auto insurance company will pay an annuity of 65,438+0,558,000, which is more than three times the principal.
How to calculate a monthly loan of 500 thousand for 20 years? The monthly housing loan payment is related to the loan amount, term, interest rate and loan repayment method. It is known that there are only credit lines and terms here, and the loan interest rate must be clear. Among them, the housing loan interest rate will vary according to the types of housing loans, such as provident fund mortgage, commercial loans, portfolio loan interest rates, etc., and the number of houses will also affect the housing loan interest rate.
1. provident fund mortgage: the benchmark interest rate for personal provident fund loans shall be implemented, with the first home loan interest rate of 3.25% for more than five years and the second home loan interest rate floating on the premise of the first home loan interest rate of 3.575% 10%. The mortgage interest rate of most provident funds will not change after confirmation, which is equivalent to a fixed interest rate.
2. Commercial loans: The newly issued pure commercial loans are priced at LPR interest rate+benchmark interest rate. The price of five-year and above LPR released on August 20, 2022 is 4.30%. The benchmark is determined by comprehensive evaluation of bank lenders. Because LPR is a floating interest rate, the interest rate of pure commercial loans fluctuates up and down, and the interest rate adjustment day will be re-priced according to the latest LPR every year.
3. Portfolio loan: the mortgage part of provident fund refers to the interest rate of individual provident fund, and the commercial loan part is subject to the interest rate specified by the bank.
Next month's repayment is calculated according to two different repayment methods: equal principal and interest repayment and equal principal repayment.
1. Provident fund mortgage: Assume that the interest rate of the first home loan is 3.25%, the housing loan is 500,000 yuan for 20 years, and the monthly repayment of equal principal and interest is fixed at 2,835.98 yuan; The equal principal repayment is RMB 3,437.5 per month, with a monthly decrease of RMB 5.65 from the second month and RMB 20,965,438+RMB 0.84 from the last month.
2. Commercial loan: Assume that the interest rate of the first home loan is 4.90%, the housing loan is 500,000 yuan for 20 years, and the monthly repayment of principal and interest is fixed at 3,272.22 yuan; The repayment of the equal principal is 4 125 yuan per month, with a monthly decrease of 8.5 1 yuan from the second month and a monthly repayment of 2,088.97 yuan in the last month.
The above is the relevant content of "How to calculate the monthly housing loan of 500,000 yuan in 20 years", and I hope it will help everyone.