The calculation formula of 1. matching method: monthly repayment amount = (monthly interest rate ×( 1+ monthly interest rate) total contribution periods /( 1+ monthly interest rate) total contribution periods-1) × loan principal.
2. Calculation formula of diminishing method: monthly repayment amount = loan principal/total contribution periods+(principal-accumulated principal repaid) × monthly interest rate.
3. The current benchmark interest rate was adjusted and implemented on July 6, 20 12. Types and annual interest rates are as follows: short-term loans for 6 months (inclusive) 5.6%; 6% for half a year to one year (inclusive); One to three years (inclusive) 6.15%; 3 to 5 years (inclusive) 6.4%; More than five years, 6.55%. Generally, credit funds will be sufficient in the first half of the year, and some discounts will be higher. In the second half of the year, due to the shortage of funds and other reasons, the first home loan interest rate will be subject to the benchmark interest rate, and some even are 1. 1 times or 1.05 times.
How much is the down payment for buying a second-hand house with a loan?
1. Commercial loan for purchasing second-hand houses: if it is the first suite, the minimum down payment can be 30%; If it is more than two sets, the minimum down payment ratio is 40%.
2. Buy second-hand houses and use provident fund loans: for the first suite, the minimum down payment can be 20%. The minimum down payment ratio for the second suite is 50%, and loans are not allowed for the third suite.
3. If the buyer has no real estate, that is, the first second-hand house, then the down payment of the second-hand mortgage is not less than 30%. The 30% mentioned here is not a transaction comparison but an evaluation price. Second-hand housing loans are based on the evaluation of second-hand housing, and the general evaluation price is lower than the market price.
4. If the buyer owns real estate, his down payment ratio on the second-hand house should be about 70%, and the current benchmark interest rate is 6.55%.