Loans are difficult, and high loans are even more difficult. Some people can get a high quota, and some people have a "shrinking" loan quota. So, how to calculate the loan amount? Let's take you up and down.
How to calculate the loan amount? Take the housing loan amount and the automobile loan amount as examples, and the specific calculation method is as follows:
1. Calculation method of housing loan amount:
It mainly depends on two aspects: one is the amount of personal assets, and the other is the repayment ability. Can do these two things, borrow as much as you want. Under normal circumstances, bank loans can reach up to 70% of the appraised value of real estate.
If the house is worthless, you can borrow less, but if you have good repayment ability, you may borrow 1.6 times the value of real estate assessment, but the interest of private lending is at least three times higher than that of banks; The maximum is 80% of the total price or evaluation value of the purchased (overhauled) house (whichever is lower);
2. Calculation method of automobile loan amount:
If the purchased vehicle is a self-use vehicle, the loan amount shall not exceed 80% of the price of the purchased vehicle; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the price of the purchased vehicle, of which the loan amount of the commercial vehicle shall not exceed 60% of the price of the purchased vehicle; If the purchased vehicle is a used car, the loan amount shall not exceed 50% of the price of the car purchased by the borrower, and the loan amount shall not exceed 200,000 yuan; Finally, the specific loan amount should be determined according to your own real situation. You can find the calculation method of the specific loan amount on this website.
Calculation formula of total interest of provident fund loans
① Equal principal and interest repayment method:
Monthly loan amount = [loan principal × monthly interest rate ×( 1 interest rate )× repayment months ]=[( 1 interest rate )× repayment months]
Monthly interest payable = loan principal × monthly interest rate × [( 1 interest rate )× repayment months -( 1 interest rate) ÷ [( 1 interest rate )× repayment months-1]
Monthly repayment principal = loan principal × monthly interest rate ×(65438+ 10 interest rate) (repayment month serial number-1)÷[(65438+ 10 interest rate) repayment months-1]
Total interest = repayment months × monthly repayment amount-loan principal
(2) the average capital repayment method:
Monthly loan amount = (loan principal ÷ repayment months) (loan principal-accumulated repaid principal) × monthly interest rate.
Monthly repayable principal = loan principal ÷ repayment months
Monthly interest payable = residual principal × monthly interest rate = (loan principal-accumulated principal repayment) × monthly interest rate
Monthly decreasing amount = monthly repayable principal × monthly interest rate = loan principal ÷ repayment months × monthly interest rate.
Total interest = repayment months × (total loan × monthly interest rate-monthly interest rate × (total loan ÷ repayment months) (repayment months-1) ÷ total loan ÷ repayment months)
Monthly interest rate = annual interest rate ÷12 154 =15 ×15 (the fourth power of15, that is, the product of four15).
Raising interest rates many times in one year makes the benchmark interest rate of commercial loans with a term of more than five years as high as 7.05%, which makes more and more people choose provident fund loans to buy houses. The reason is that the annual benchmark interest rate is 4.90%, which greatly reduces the cost of buying houses and the pressure of repaying loans. Introduce the calculation methods and methods of provident fund loans for everyone.
1. The calculation formula of provident fund loan based on repayment ability is:
Loan amount = [(total monthly salary of the borrower or husband and wife, monthly contribution of the housing accumulation fund of the unit where the borrower or husband and wife work) × repayment ability coefficient 40%ㄧ monthly repayment amount of the existing loan of the borrower or husband and wife ]× 12 (month )× loan term.
Among them, the total monthly salary = the monthly contribution of provident fund ÷ (the proportion of unit contribution and individual contribution);
2. The calculation formula of provident fund loan based on house price is:
Loan amount = house price × loan ratio. Among them, the loan proportion is determined according to different types. Generally speaking, if the building area is more than 90 square meters, the loan amount shall not exceed 70% of the purchase price; If the construction area is less than 90 square meters, the loan amount shall not exceed 80% of the purchase price.
3. According to the maximum loan amount:
I use the housing provident fund to apply for a loan provident fund loan and meet the application conditions. The maximum amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a loan and the loan application conditions are met, the maximum loan amount is 700,000 yuan.
4. The calculation formula of provident fund loan based on the balance of provident fund account is:
Provident fund loan amount = balance of provident fund accounts of borrowers and participants ×20
For example, if a citizen has paid the provident fund for more than 1 year, the current balance of the provident fund account is 10000 yuan. So if he wants to apply for a loan with a repayment period of 30 years, what is the maximum amount he can borrow?
Using the fourth method, it is not difficult to calculate the maximum amount of about 10000×20=200000 yuan. If you know the individual and spouse's monthly provident fund deposit, the planned loan application period and the actual purchase price, you may wish to use the provident fund calculator to calculate the loan amount online, which is really convenient and saves time and effort.
How is the housing loan amount calculated?
Calculation formula of housing loan amount [(the total monthly salary of the borrower and the monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-the total monthly repayment amount of the borrower in the current period ]× loan period (month). Usage of spouse's amount: [(total monthly salary of husband and wife, monthly contribution of housing accumulation fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of husband and wife ]× loan period (month). The repayment ability coefficient is 40% of the total monthly salary = the monthly contribution of the provident fund ÷ (unit contribution ratio and individual contribution ratio).
How is the loan amount calculated?
According to the calculation formula of repayment ability:
Loan amount = [total monthly salary of the borrower × (repayment ability coefficient of the borrower's unit housing provident fund deposit ratio) total monthly salary of the borrower's spouse × (repayment ability coefficient of the borrower's spouse's unit housing provident fund deposit ratio) ]× 12 (month )× loan period. Among them, the borrower's total monthly salary = monthly repayment amount ÷ (unit deposit ratio and individual deposit ratio)
1. What is loan credit reporting?
(1) Good credit can save time for bank credit loans; Credit information includes personal identification information such as the name, age, gender, work unit and contact address of the recorded person, so that the bank can intuitively understand your credit situation, without spending more time investigating and verifying the authenticity of the application form, and help the lender to obtain loans quickly.
(2) As the saying goes, it is not difficult to borrow again. If the contents of the credit report reflect that you are a person who repays on time and fulfills the treaty, the bank will certainly be happy to lend you money, and the amount and interest rate will be increased to a certain extent. On the contrary, if there is a stain on your personal credit report, even if you have a house, a car and a career, the bank can't lend you money.
(3) The lender will receive a credit reminder. If there are bad records such as non-repayment and overdue repayment in personal credit information, banks will definitely treat such people differently, such as reducing the personal loan amount, providing guarantees or mortgages when lending, and providing loan interest rates; At the same time, if there are too many personal loans, it has exceeded the affordability. Banks will also be extra cautious when refusing loans.
(4) reflect fairness; Credit investigation is mainly to evaluate the personal credit situation. Regardless of your background or accumulated wealth, the higher the credit value, the more loan opportunities you can get. The credit center will also objectively record your consumption, payment and loan, and reduce the subjective factors that affect credit card processing, online lending and credit lending, which is very beneficial to individuals.
How to calculate the amount of housing loan
The calculation is as follows: loan amount = [(total monthly salary of the borrower or husband and wife) × repayment ability coefficient 40%÷ monthly repayment amount of the existing loan of the borrower or husband and wife ]× 12 (month )× loan term. If the provident fund loan is based on the balance of the provident fund account, the calculation formula is: the amount of the provident fund loan = the borrower and the borrower's provident fund account balance ×20.