Hello, your question is about the 6 thousand monthly supply of more than 900 thousand houses. First of all, what you need to know is that the monthly payment for more than 900,000 houses is 6,000 minutes in ten years, which generally means that you can pay off more than 900,000 houses with 6,000 monthly interest in ten years. In this case, the monthly interest you need to pay is more than 900,000 yuan of your total loan multiplied by the interest rate (say 5%) and then divided by 12, which is 6,000 yuan per month. In addition, you should know that your monthly repayment of principal is also based on your total loan of more than 900,000 times the interest rate (say 5%) and then divided by 12, which is 6,000 yuan per month. So the total amount you pay back every month is the interest of 6 thousand yuan per month plus the principal of 6 thousand yuan per month, which is 12 thousand yuan per month. Finally, what you need to know is that in ten years, the total amount you paid is more than 900,000 times the interest rate (say 5%), which is1080,000 yuan, of which the principal is more than 900,000 and the interest is1800,000 yuan.
The loan is 900,000 yuan with a term of ten years. What is the monthly repayment principal and interest?
At present, the annual interest rate of loans for 5-30 years (including 30 years) announced by the People's Bank of China is 4.9%. According to the benchmark interest rate, with the interest rate unchanged, the monthly repayment amount is 95,065,438+0.97 yuan, and the first month repayment amount of the average capital method is 65,438+065,438+075 yuan (for reference only). If calculated according to the benchmark interest rate of commercial loans of 5.90%:
1. Matching principal and interest repayment: the total loan amount is 90,000.00 yuan, the repayment months are 120, the monthly repayment amount is 994.67 yuan, and the total interest paid is 29,360.5438+the total principal and interest of 0 yuan119,360.5438.
2. Matching principal repayment: the total loan amount is 90,000.00 yuan, the repayment months in the first month of 2020 are 65,438+0 yuan, 192.50 yuan, the monthly repayment decreases by 3.69 yuan, the total interest paid is 26,765,438+0.25 yuan, and the total principal and interest are 65,438 yuan.
: What's the interest rate for getting a bank loan with a real estate license?
Generally, the interest rate of mortgage loans from banks with real estate licenses is around 4.35%, and the mortgage interest rate will be different according to different houses and the lender's situation, and the actual loan interest rate shall prevail.
1. With real estate mortgage loan, the borrower can use the funds obtained from the loan for business or consumption;
2. The interest rate of using loan funds for business is higher than that for consumption. Generally speaking, the interest rate of business is about 50% higher than the current benchmark interest rate, and the interest rate of consumption is about 30% higher than the current benchmark interest rate.
3. The operating risk is high, and the borrower may be unable to repay due to losses. Moreover, the borrower of loan consumption has consumption ability, repayment ability will not be bad, and the risk is relatively small;
4. Suppose the lender borrows 500,000 yuan, the loan term is 12 months, and the matching principal and interest are repaid together: if it is used for business and the interest rate is 6.53%, then a * * needs to repay 1786 1.36 yuan; If it is used for consumption and the interest rate is 5.66%, then a * * needs to pay 1546 1.4 yuan interest. In addition, housing mortgage loans, various products of various banks have different provisions on interest rates, so the interest rates are different.
5. The implementation of mortgage interest rates in commercial banks is different, and the specific interest rate will be determined after taking into account the borrower's credit status, professional nature, repayment ability and other factors. If the borrower's personal qualifications are good, the loan interest rate obtained is low; On the other hand, if the borrower fails to repay the loan, the loan interest rate is also high.
What is the total interest rate of 4.25 for 900,000 loans for ten years?
The loan is 900,000 yuan, and the ten-year interest rate is 4.25. The loan is repaid according to the equal principal and interest, and the total interest is 206,300 yuan. Repay according to the equal principal, and the total interest is 6,543,800+0,928,000.
10 This concludes the introduction of 900,000 yuan for each month. I wonder if you have found the information you need?