At present, the bank's interest rate on the second mortgage is 8%-9% per year. At present, there are not many banks that can handle the second mortgage of houses, such as Guangfa Bank and Minsheng Bank. The loan term is 65,438+0-3 years, the combined mortgage ratio (the ratio of the total amount of two outstanding loans to the property value) is not more than 60%, and the loan is within 65,438+0-3 months. The two mortgage interest rate of the pawnshop is 1.5%-2.5% per month, and the management fee is extra. The term is 5 days to 6 months, the amount of two mortgages is 70% of the residual value of the house, and the loan will be released within 7 days.

How much is the interest on a 400,000 house loan?

1. If you buy a house for the first time, you can get a loan of 70% of the appraised house price by taking the family as the unit. If you buy a house with a provident fund loan, you can borrow 80% of the appraised house price for the first time (within 90 square meters, 70% over 90 square meters).

2. The calculation method of down payment for buying a house is: down payment = total house price-customer loan amount. Loan amount = contract price (market price) ×80% (the first loan amount can reach 80%).

3. According to the existing implementation standards for the first suite, the down payment ratio of commercial loans for new housing is 30%, the down payment ratio of provident fund loans for the first suite below 90_ (inclusive) shall not be less than 20%, and the down payment ratio of housing provident fund loans above 90_ (inclusive) shall not be less than 30%.

4. The loan of 400,000 yuan should be calculated according to the loan period, and all buyers can calculate according to the calculation method introduced in the above small series.

What is the most cost-effective repayment method?

1, equal principal and interest repayment: this is the most mainstream repayment method at present. In this way, the same amount will be paid every month, and the principal and interest amount will be different. The previous principal amount is greater than the interest amount; The amount of interest paid later is greater than this amount. This repayment method is suitable for loan applicants with stable income, and it is more convenient to arrange income and expenditure; Its disadvantage is that the amount of interest paid is relatively large, the interest will not decrease with the decrease of principal, and the total interest on repayment is high.

2. Matching principal repayment: In this way, the loan applicant repays the same principal every month, and the monthly interest will decrease with the decrease of this amount. There are more principal and interest paid in the early stage, but the total amount of interest to be paid is relatively small, and the repayment burden decreases month by month. This repayment method is suitable for loan applicants who have sufficient funds at hand after the loan and have high repayment ability in the early stage.

3. One-time repayment of principal and interest: If the loan term is within one year (including one year), the principal and interest will be repaid at maturity, and the interest will be paid off together with the principal. This repayment method is generally only open to small short-term loans. The applicability is not strong.