You can use the mortgage calculator to calculate it, or you can search it online.

Second, how is the interest rate of the second home loan calculated?

At present, the national benchmark interest rate for commercial loans for more than five years is 5.94% per annum, 4.95‰ per month, 10% for second homes, and 5.445‰ per month.

150,000 yuan,15 years, 2 suites, equal principal and interest calculation, 1309.47 yuan per month.

According to the calculation method of average capital, the first month is 1650.08 yuan.

Housing loan calculator for the third and second suites

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. (You can view information such as monthly payment, monthly principal, monthly interest, principal balance, total interest and total repayment).

Fourth, the personal second home loan calculator can quickly calculate the repayment amount.

What is the second suite? After it was determined that the family owned the house, buying a house was considered as a second suite. With the introduction of national control measures and the increase of floating house purchase and down payment, the second home loan calculator has become a tool that people generally rely on.

Definition of the second suite:

1 The husband and wife have a suite but no loan record. Both husband and wife have only one loan record and only one set of records in their names, but both have settled down or only one house, but the house must be completed 90 years later with a construction area of more than 50_.

Second home loan calculator, how to calculate the interest rate?

According to the calculation that the principal and interest are equal to the benchmark interest rate, the interest rate rises by 1. 1 times before the interest rate increase (the benchmark interest rate is 6.4%), so the loan interest rate increases by 1.7 million yuan after the interest rate increase. Not only are commercial interest rates rising. The provident fund loan for the first home personal housing with a term of more than five years was raised from the original 4.3% to the provident fund loan interest rate was raised from 3.75% to 4.0%. Second-home buyers apply for provident fund, and the loan interest rate for more than five years rises 1. 1 times to 4.95%.

Ertao

1. Calculation formula of average capital:

Monthly repayment amount = principal/repayment months = monthly principal and interest = (principal-accumulated repayment amount) x monthly interest rate calculation principle: interest will decrease with the decrease of remaining principal.

Two. Calculation formula of equal principal and interest:

Calculation principle: Starting from the monthly contribution, the bank will charge interest on the remaining principal first, and then reduce the remaining principal, and the proportion of the principal in the monthly contribution will remain unchanged due to the amount. It should be noted that the maximum loan amount should be combined with the loan to buy a house, but the per capita area is lower than the local average level, and then apply for the second set of ordinary bank loans for ordinary self-occupation for the first time.

The second set of housing loan calculator needs

The second home loan calculator needs to fill in the following information: repayment method, loan category rate, etc. The unit price and area in the calculation method need to be filled in by the buyers themselves, so it will be fine.

(The above answers were published on 20 13-02-22. Please refer to the actual situation for the current purchase policy. )

Sohu Focus provides you with comprehensive information on new houses, second-hand houses, renting houses and home improvement.