The calculation formula of annual interest rate of house purchase is: loan interest rate = LPR benchmark interest rate+fixed spread. The benchmark interest rate of LPR is determined by the central bank and fluctuates with the economic changes. The fixed price difference is determined when the contract is signed and will not change. The spread can be negative. For example, if the current LPR benchmark interest rate is 4.8% and the fixed spread is -0. 1%, the loan interest rate is (4.8%-0.1%) = 4.7%; When the LPR benchmark interest rate rises to 5%, the loan interest rate is (5%-0. 1%)= 4.9%.

The specific scenario assumptions are as follows:

Part of your 600,000 yuan (say, 200,000 yuan) is deposited in Yu 'ebao with an annualized interest rate of 2.5%, and the other part (400,000 yuan) is purchased for bank financing with an annualized interest rate of 4%, so your annualized capital cost is 200,000 * 2.5%+400,000 * 4% = 2 1 10,000.

Mom's 400,000 yuan is a one-year time deposit in the bank, with an annual interest rate of 1.75%, so the annualized capital cost is 400,000 * 1.75% = 0.7 million.

For banks, the long-term loan interest rate is 4.9%, so the annualized capital cost of 1 10,000 yuan is 1 10,000 yuan * 4.9% = 49,000 yuan.

Finally, we add up several costs: 2 1000+7000+49000 = 77000.

In other words, the annualized capital cost of buying this house is 77,000 yuan.

The comprehensive cost rate is 77,000/2 million =3.85%, which is very important.