The calculation method of housing loan is: 1. Down payment calculation: if the applicant purchases the first suite, it generally needs to pay 30% or more of the down payment. Applicants who purchase second-hand houses shall be calculated according to the appraised value of the houses. For second-hand housing, the general bank will issue a loan of 80% of the housing evaluation price, and the rest will be the down payment required by the applicant. 2. Loan interest. According to different repayment methods, the calculation method of monthly repayment amount is also different. There are two repayment methods: average principal and equal principal and interest. The specific calculation formula is: (1) average monthly repayment amount of funds = [loan principal× monthly interest rate× (1interest rate) repayment months] ÷ repayment months [( 1 interest rate]]. (2) Monthly repayment amount of equal principal and interest = (loan principal/repayment months) (principal-accumulated repayment amount of principal) × monthly interest rate.

Second, how to calculate the housing loan

The calculation method of housing loan is as follows:

1, down payment calculation: If the applicant's house is the first suite, a down payment of 30% or more of the house price is generally required. If the applicant buys a house according to the housing evaluation value. For second-hand houses, the general loan is 80%, and the rest is the down payment that the applicant needs to pay.

2. Loan interest. According to the different repayment methods, there are two main ways to calculate the monthly repayment amount: average principal and equal principal and interest. The specific calculation formula is:

(Amount = [loan principal × monthly interest rate ×( 1 interest rate) repayment months]; [( 1 interest rate) repayment months-1].

(2) Monthly repayment amount of equal principal and interest = (loan principal/repayment months) (principal-accumulated repayment amount of principal) × monthly interest rate.

Third, how to calculate the mortgage?

The benchmark interest rate for mortgages over five years is the same, and the latest one is 6.60% (annual interest rate).

Ten years and fifteen years, people are good for ten years, and they pay more every month, but the total amount is less.

Ten years (1 50,000 yuan): the monthly commercial loan is1744.72 yuan, totaling 2 1 0,000 yuan.

Fifteen years (150,000 yuan): the monthly commercial loan is 65,438+0,356,5438+0.6 yuan, totaling 230,000 yuan.

Provident fund loans are converted, which is not included here.