If the announcement concludes that the borrower only needs to wait for the next payment, and pay attention to the short message of the bank's next payment anytime and anywhere. On the contrary, if the loan fails, it means that the interview cannot pass the final review, and the borrower needs to upload it again and apply for a loan. Therefore, borrowers must be cautious in face-to-face signing and master some skills.
How to sign the IOU in person? 1. Borrowers should be dressed neatly, and it is recommended to wear formal clothes for suits. They should also be smiling and sincere. The key is to bring all the necessary materials, including his valid ID card, personal income certificate, bank memo, etc. Generally, it is mentioned in the face-to-face SMS. Check carefully before you go out to avoid omission.
2. Don't be incoherent during the interview, because the interview of financial institutions is usually to further determine the relevant information content of the borrower, such as asking the borrower's work information and income analysis. And answer whatever you ask, and the specific content of the answer should be consistent with the relevant information filled in. It is important to remember that the main thing is to show sufficient repayment ability.
How much is the monthly mortgage of 300 thousand? To calculate the monthly loan amount, we should not only know the loan principal and interest of 300,000 yuan, but also know the loan interest rate of the mortgage bank, the loan period and the selected repayment method.
1, mortgage bank loan interest rate
Generally speaking, it is 4.35% below 1 year, 4.75% below 1-5 years and 4.9% above 5 years.
Sometimes, it is not impossible for banks to promote some preferential annual interest rates for some special loan targets from time to time, so that the lowest juvenile interest rate is lower than 4%. However, if the borrower's credit risk is relatively high, the bank loan interest rate may also exceed the above-mentioned basic interest rate, depending on the audit of financial institutions.
2. Term of loan
Generally, the loan term of mortgage loan does not exceed 10 year.
Usually, it is comprehensive and clear according to factors such as the amount of mortgage loan and the use value of collateral. If the mortgage loan is 300,000 yuan, you can choose to pay by installments in 5- 10 years.
3. Loan repayment method
Common is equal principal and interest and equal principal and interest repayment:
Matching principal and interest repayment, with the same monthly repayment amount;
Equal principal repayment, the repayment amount in the first month is large, decreasing month by month, and the repayment amount in the last month is the least.
The total monthly repayment of average capital is lower than the total monthly repayment of equal principal and interest.
4. Give an example to illustrate the calculation.
Suppose a mortgage loan of 300,000 yuan is repaid in five years with an interest rate of 4.75%, and the principal is repaid in equal amount, as follows:
Monthly repayment amount =5627.07 yuan.
The above is the introduction of "how much is the monthly mortgage of 300,000 yuan". I hope you can help everyone.