On the basis of the original down payment, pay 30,000 more, and reduce the total payment by 60,000. Moreover, the extra 3 yuan is not in the contract, so the down payment pressure is relatively high.
Payment period and interest
6.55% (loan term exceeds 5 years)
6.40% (loan term is 3 to 5 years, including 5 years)
6. 15% (loan term is 1 to 3 years, inclusive)
6.00% (the loan term is from 6 months to 1 year, inclusive).
5.60% (loan term is 0 to 6 months, inclusive)
Extended data:
I. Calculation formula of equal principal and interest:
Calculation principle: from the beginning of monthly contribution, the bank collects the interest of the remaining principal first, and then the principal; The proportion of interest in monthly payment decreases with the decrease of residual principal, and the proportion of principal in monthly payment increases with the increase, but the total monthly payment remains unchanged.
It should be pointed out that:
1, the maximum amount of urban provident fund loans should be combined with local conditions;
2. For residents who have borrowed money to buy a house but whose per capita area is lower than the local average, and then apply for buying a second set of ordinary self-occupied housing, the preferential policies for buying ordinary self-occupied housing with the first set of loans shall be implemented mutatis mutandis.
Second, the average capital calculation formula:
Monthly repayment amount = monthly principal+monthly principal and interest
Monthly principal = principal/repayment months
Monthly principal and interest = (principal-total accumulated repayment) x monthly interest rate
Calculation principle: the amount of principal returned every month is always the same, and the interest will decrease with the decrease of the remaining principal.
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