Bank of China has personal commercial housing loans (including shops, businesses, etc. ), the interest rate of personal commercial housing loan is based on the loan market quotation of the National Interbank Funding Center (LPR) for the same period, and the interest rate shall not be lower than the loan market quotation plus 60BP. Where there are stricter provisions in relevant laws, regulations, regulatory provisions or national policies, those provisions shall prevail. As there are many types of loans from BOC, if there is a loan demand, it is recommended to contact local outlets for detailed consultation.
You pay attention to the official account of "China Bank Weizhong Bank" WeChat, and select "Microfinance-Function Hall-Financial Tools and Information Inquiry" from the menu below, with the function of loan calculator.
The above contents are for your reference. Please refer to the actual business regulations.
How to use the mortgage calculator?
When using, you only need to choose the corresponding loan method, fill in the corresponding loan amount, choose the loan term and choose your own repayment method, and you can calculate the monthly mortgage repayment according to the latest loan interest rate. After the calculation of mortgage calculator is completed, you can also view the detailed repayment information. According to the comparison between the average capital repayment method and the equal principal and interest repayment method, the most suitable repayment method can be selected. If necessary, you can also modify the annual interest rate according to the actual situation.
Operating steps of loan calculator:
Step 1: Please choose the repayment method. There are two options: equal principal and interest repayment method and average capital repayment method.
Step 2: Fill in the amount of personal property mortgage loan and choose the term of personal property mortgage loan. Step 3: Choose the mortgage interest rate of personal property according to the latest loan interest rate. Step 4: If repayment details are required, the default repayment details are Yes. If you don't need to display the repayment details, you can chooseNo. Finally, click Calculate to get the monthly repayment amount, total interest and total repayment amount of personal property mortgage loan.
How to use the loan calculator? A formal loan guarantee company in Beijing is committed to providing loans to individuals and SMEs. Its service scope includes real estate mortgage loan, personal mortgage loan and SME loan. With the accumulation of funds, contacts, management experience and extensive business relations with the financial field, 60,000 Wantong has established a solid foundation in the industry and become the most abundant, comprehensive and effective professional organization in the fields of financial business consulting and guarantee.
Why is the interest calculated by the loan calculator of China Merchants Bank getting less and less?
If the data were the same, this would not happen.
Generally, the repayment formula of equal principal and interest is the same: [loan principal × monthly interest rate× (1monthly interest rate) repayment months ]≤[( 1 monthly interest rate) repayment months-1], which can be recalculated according to this knowledge. The data must be accurate and cannot be changed.
The interest of bank loan is calculated according to the service time of the loan, and interest = principal interest rate. Time example: the loan is 65,438+0, the term is 65,438+00 years, the interest rate is 6.0435%, the interest is paid once a month, and the principal is repaid at maturity. Then the monthly interest payable = 65,438+6.0435% 65,438+0/65,438+02 = 503.63 (yuan) Example 2: loan 65,438+00 yuan, term 65,438+00 years, interest rate 6.0435%. Use the method of repaying principal and interest, as we said. Then the monthly payment is 1, 1 12.39 yuan, and its calculation process needs some advanced mathematical methods, which is more complicated. The ten thousand yuan contribution table of housing loan is divided into ten thousand yuan contribution table of individual housing loan, ten thousand yuan contribution table of individual housing provident fund loan and ten thousand yuan contribution table of individual commercial housing loan (shop mortgage). Note: If the loan principal and interest cannot be repaid on time, the bank will charge liquidated damages.
On-line calculation of loan calculator
To apply for a loan from China Merchants Bank, you need to know the loan principal, loan term, repayment method and annual interest rate, and calculate the loan interest or monthly repayment amount. If the above information is confirmed, you can try to calculate it through our loan calculator. Log in to the lower right of China Merchants Bank official website and find the "Financial Calculator"-"Personal Loan Calculator" for calculation.
Commercial loan interest rate calculator
Loan calculator provided by commercial banks
This kind of calculator is characterized by relying on the bank website platform and high credibility; The disadvantage is that the calculation conditions are simple, mainly theoretical calculation, regardless of reality. For example, the calculation formula of daily interest rate is generally: daily interest rate = annual interest rate/360; The calculator provided by the bank is generally calculated according to 365, which is different from the actual situation.
Second, the loan calculator provided by the real estate website
This kind of loan calculator is generally based on the loan calculator on the bank website, with little or no change, and its shortcomings are similar to the previous article.
Third, Taobao customer loan calculator
This calculator is a fully customized parameterized calculator, and the calculation results are completely consistent with the actual situation, providing more real and powerful data support for your loan decision.
Personal real estate mortgage calculator
Calculation method
According to the repayment formula of general mortgage loans, it can be divided into two types:
I. Calculation formula of equal principal and interest:
Calculation principle: from the beginning of monthly contribution, the bank collects the interest of the remaining principal first, and then the principal; The proportion of interest in monthly payment decreases with the decrease of residual principal, and the proportion of principal in monthly payment increases with the increase, but the total monthly payment remains unchanged.
It should be pointed out that:
1, the maximum amount of urban provident fund loans [1] should be combined with local conditions;
2. For residents who have borrowed money to buy a house but whose per capita area is lower than the local average, and then apply for buying a second set of ordinary self-occupied housing, the preferential policies for buying ordinary self-occupied housing with the first set of loans shall be implemented mutatis mutandis.
Second, the average capital calculation formula:
Monthly repayment = monthly principal, monthly principal and interest
Monthly principal = principal/repayment months
Monthly principal and interest = (principal-total accumulated repayment) x monthly interest rate
Calculation principle: the amount of principal returned every month is always the same, and the interest will decrease with the decrease of the remaining principal.
This concludes the introduction of China Merchants Bank Loan Calculator and China Merchants Bank Loan Calculator 2022. Did you find the information you needed?