Prepayment calculator: prepayment amount and interest saved can be calculated by one-time prepayment and partial prepayment. In fact, there will still be liquidated damages for repaying the mortgage in advance, and there are various situations, so this calculator does not use liquidated damages as a calculation condition.
1. Paying off in advance at one time means paying off the remaining principal and interest at one time. If you plan to pay off the mortgage in advance when you apply, I suggest you choose the repayment method in the average capital at that time, and pay more principal every month during the repayment period, thus saving a sum of interest. It is worth noting that provident fund loans must be repaid for one year before they can apply for early repayment.
2. Partial prepayment includes shortening the repayment period and reducing the monthly repayment amount. Similarly, according to the existing provident fund policy, partial prepayment can only be applied after one year of repayment, and the repayment amount must be an integer multiple of 1 10,000 yuan, and the repayment amount must not be less than six months of loan principal and interest.
Personal housing loan refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. Personal housing loan business is one of the main asset businesses of commercial banks. Refers to the loan issued by a commercial bank to a borrower for the first time to purchase a house (that is, a house developed and built by a real estate developer or other qualified developers and sold to an individual). Personal housing loans mainly have the following three loan forms:
1) The full name of the personal housing entrusted loan is the personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.
2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.
3) Personal housing portfolio loan refers to the loan issued to the same borrower from the housing provident fund deposit and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loan and self-operated loan. In addition, there are housing savings loans and mortgage loans. Loan elements loan purposes Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.
The loan object should be a natural person with full capacity for civil conduct. The borrower shall meet the following conditions:
1. Have permanent residence or valid residence status in cities and towns;
Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest;
Three, with the purchase of housing contracts or agreements;
Four, do not enjoy the purchase subsidy to not less than 30% of the total price of the purchased house as the down payment; 30% of individuals who enjoy housing subsidies are down payment for housing purchases;
Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors;
6. Other conditions stipulated by the lender.
Where is the prepayment calculator of CCB?
On the home page. CCB's prepayment calculator is on the front page. CCB's prepayment calculator can easily calculate how much interest can be saved by prepayment. Just enter the corresponding data in the calculator and choose your own loan interest rate, and you can quickly calculate the result.
Where is China Bank app prepayment calculator?
1. Open the Bank of China application and click More Options.
2. Click the loan calculator option.
3. Click the calculation option. Prepayment calculator: prepayment amount and interest saved can be calculated by one-time prepayment and partial prepayment.
How to calculate the interest of mortgage prepayment?
Calculation of mortgage prepayment interest: the calculation formula of prepayment interest is: remaining loan principal × [(prepayment date-days of previous deduction date) ]× daily interest rate (daily interest rate = annual interest rate /360). The number of days is calculated by counting the heads without counting the tails or counting the tails without counting the heads.
First, repay the mortgage in advance and settle the bank principal and interest in one lump sum. The interest calculation is based on the date when you pay off the principal and interest of the bank, and there is no need to pay interest after settlement.
2. Calculation formula of equal principal and interest repayment method: monthly equal principal and interest repayment = loan principal × monthly interest rate loan principal × monthly interest rate /( 1 monthly interest rate) repayment period.
3. It can be calculated by prepayment calculator. Just enter some key information, such as the original loan amount and the original loan term. And you can calculate the monthly payment and interest saved after prepayment.
Second, the precautions for repaying mortgage loans in advance.
1. Make an appointment in advance. One year after the loan is issued, with the consent of the bank, you can apply in writing to repay part or all of the loan in advance. General banks need 2-7 working days to handle this business. Banks have different regulations on early repayment of loans, so lenders must make clear the operating procedures of loan banks before deciding to repay loans in advance.
2. If you buy a house, choose the "commercial loan provident fund loan" portfolio loan. It is suggested to repay the commercial loan first, because the interest of commercial loan is higher than that of provident fund loan. If part of the commercial loan is paid off first, then for individuals and families, the monthly mortgage pressure will definitely be reduced and the interest will be saved.
It is the most important thing to cancel the real estate mortgage in time. The real estate license is mortgaged to the bank during the loan period, and the house cannot be rented or resold. Therefore, the mortgage must be cancelled after paying off the loan, otherwise the mortgage record will still be filed in the real estate department, laying a hidden danger for the future.
Third, timely surrender to the insurance company to pay off the loan in advance. Be sure to remember to surrender to the insurance company, sign a housing loan home insurance contract when signing the housing loan, and pay the insurance premium every month. If you pay off the loan in advance, you can surrender it and go to the insurance company with the insurance policy and proof of early repayment.
How to use prepayment calculator in quark
Click the quark icon to open the software. After entering the Quark homepage, click AI Application to enter the AI Application page, and then click Efficiency Tools. Click the quark icon to open the software. After entering the efficiency page, click the calculator icon.
The prepayment calculator provides prepayment calculator and prepayment calculator, through which data such as total repayment amount, paid interest, repayment amount due next month, interest saved amount and new final repayment period can be quickly calculated online.
Mortgage prepayment calculator
After getting a mortgage, many people may have better economic conditions. They may want to end the pressure of repaying loans early, or they may consider repaying loans in advance. Repaying the loan in advance is generally beneficial to the borrower and may also save some interest. Then, how to repay the mortgage in advance, how much each month, and how much do you need to pay in the last month? Use the mortgage prepayment calculator to calculate it.
First of all, find a mortgage prepayment calculator online, which is generally available on all loan websites and platforms. If you can't find it, you can also search for "mortgage prepayment calculator" in Baidu, and then choose one to use.
Then enter your total loan amount, first repayment time, early repayment time and other information. The prepayment method chosen here is one-time prepayment.
Click "Start Calculation" and the result will come out immediately. It can be seen that the repayment will be made before 2030, and the RMB will be repaid in the last month, but the total savings will be * * *.
However, some banks still need to pay a certain penalty for prepayment, and specific banks need to be consulted.
This is the introduction of the advance loan calculator.