The interest rate of the provident fund is 3.87%, and the monthly payment of 500,000 yuan is 235 1.23 yuan. The general commercial interest rate is 5.94%, and the monthly payment of 500,000 yuan is 2,979.50 yuan. The commercial loan interest rate is 4. 158%, and the monthly payment of 500,000 yuan is 243,425 yuan. If it is a commercial loan.

2. What is the monthly loan of 500,000 yuan for 30 years?

I. Commercial loans

1, the monthly repayment amount of equal principal and interest repayment method = [loan principal× monthly interest rate× (1interest rate )× repayment months ]⊙[( 1 interest rate )× repayment months-1], then the monthly repayment amount of equal principal and interest repayment of 500,000 mortgage for 30 years.

2. Average principal repayment method: monthly repayment amount = (loan principal ÷ repayment months) (loan principal-accumulated amount of repaid principal) × monthly interest rate, so the first monthly repayment amount of a 30-year 500,000-year mortgage in average capital is 3430.56 yuan, and then it will decrease monthly.

Second, provident fund loans.

Calculate with reference to the above calculation method:

1, the repayment method of matching principal and interest is 500,000 yuan, and the monthly mortgage payment for 30 years is 2 176.03 yuan.

2. The average capital repayment method is a mortgage of 500,000 yuan. For 30 years, the first monthly payment is 2,743.06 yuan, and it will be reduced every month thereafter.

3. The commercial loan is 500,000 yuan. How much is the monthly repayment for 30 years?

There is no uniform standard for the interest rate of commercial loans. Let's take the annual interest rate of 4.9% as an example. If the principal and interest are repaid in equal amount, the commercial loan is 500,000 yuan, and the monthly repayment is 2,653.63 yuan for 30 years. If the principal is repaid with the same amount, it will be 3,430.56 yuan in the first month, 5.67 yuan less than the previous month, and 1.394.56 yuan in the last month. Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans. Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same. Commercial loans refer to the proportion of commercial loans in the guarantee balance of housing property right guarantee institutions at the end of the statistical period. When applying for a loan, Beijing urban residents, residents from other cities, and overseas and foreign citizens who have the right of residence in Beijing must meet the following conditions: they have legal residence status; Have a stable occupation and income; Having the ability to repay the loan principal and interest on schedule; There are assets recognized by the loan bank for mortgage or pledge, or (and) there are guarantors who meet the prescribed conditions as their guarantees; There is a contract or agreement for the purchase of housing; When applying for a loan, there is no less than 30% deposit in CCB. If the house payment has been paid in advance to the selling unit, the original and photocopy of the payment receipt are required; Other conditions stipulated by the lending bank. Required Materials The borrower should fill in the Application Form for Personal Housing Loan at the agency of China Construction Bank or the developer who signed the Cooperation Agreement with China Construction Bank, and provide the following materials: his household registration book, ID card or other valid proof of residence; Proof of occupation and income; Purchase contract or letter of intent and other relevant certification materials; Proof of down payment accounting for 30% of the house price; Other materials required by the agency of China Construction Bank. The handling agency of CCB or the law firm (or notary office) entrusted by CCB shall investigate the information provided by the borrower when handling the formalities. O The agency of China Construction Bank shall examine and approve the borrower's application. O The borrower opens an account, obtains a savings card and signs a loan contract. O Handle mortgage, guarantee, pledge, insurance and other related guarantee procedures. O The loan contract takes effect and the funds are transferred to the developer's account.

Fourth, a house is 654.38+0.5 million. The down payment is 600,000, the provident fund loan is 500,000, and the commercial loan is 400,000. Thirty years. How much is the monthly repayment?

You are using a portfolio loan. According to the repayment method of matching principal and interest, the total interest is 7 16884.78 yuan, and the accumulated repayment amount is 16654.38 yuan, so the monthly repayment is 44,965,438 yuan +0.35 yuan. According to the repayment method of average capital, the total interest is 58,865,438+029.17 yuan, and the total accumulated repayment is 65,438+048,865,438+07, so the repayment in the first month is 5,758.33, which will be reduced once a month thereafter. Average capital monthly repayment amount = (principal/repayment months) From this point of view, using the repayment method of average capital, the interest is much less than the equivalent principal and interest, which is also cost-effective. If you can repay a little more money in the first month and your money is not so tight, it is recommended to use the repayment method of average capital. Posting is not easy, hope it can be adopted!