Plus interest, it's almost more than 5 thousand a month, depending on whether you have equal principal and interest or average capital.

Second, mortgage the bank property with 6,543,800 yuan. Pay off in 20 years. How much is it to pay back every month?

If you apply for a loan through China Merchants Bank, suppose the benchmark interest rate is 4.9%, and the principal will be repaid in equal amount, and the repayment will be 8250 yuan in the first month, and then it will decrease every month; Matching principal and interest repayment, the monthly payment is 6544.44 yuan. Notes on loan application 1. When applying for a loan, the borrower makes a correct judgment on his economic strength and repayment ability according to the loan interest rate. Design a repayment plan according to your income level, leaving room appropriately, without affecting your normal life. 2. Choose the appropriate repayment method. There are two repayment methods: equal repayment and equal principal repayment. Once the repayment method is agreed in the contract, it shall not be changed during the whole loan period. 3. Repay on time every month to avoid penalty interest. From the month after the loan is initiated, it is generally the repayment date of the next month. Don't cause liquidated damages because of your negligence, so that banks can't apply for loans again. 1. Application conditions 1, a natural person with China nationality and full capacity for civil conduct; 2. Hold valid identity documents; 3. Have a stable and legal source of income; 4. Mortgaged real estate has a real estate license with clear property rights and can be listed and circulated; 5. Other conditions stipulated by the bank; Second, the term of the amount 1, and the mortgage rate of commercial housing can reach 70% at the highest; 2. The mortgage rate of office buildings and shops can reach up to 60%; 3. The mortgage rate of industrial plants can reach up to 50%; 4. Up to 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses, etc. Three. Program flow 1. Before the borrower lends money: fill in the Application Form for Housing Mortgage and submit the following supporting materials to the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank. 2. The bank examines the borrower's loan application, purchase contract, agreement and related materials. 3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping. 4. The borrower and the guarantor of both borrowers sign the Housing Mortgage Loan Contract and notarize it. 5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement. 6. The borrower has no overdue credit card before applying for the loan. If he had a loan before, he must have no bad repayment record. 7. The borrower has a fixed job, stable income and repayment ability.

3.1100,000 yuan, with a term of 20 years. How much is the average monthly mortgage loan?

The monthly payment of "equal capital" repayment method is decreasing month by month. If you want to calculate the information of "monthly payment" for reference, please go to our home page and click "Financial Calculator"-"Personal Loan Calculator" on the right to try to use the current loan benchmark interest rate for calculation.

4.20 What is the monthly mortgage loan of 6,543,800 yuan?

Look at this answer.

10, 20, 30 years is not good or bad, only suitable or inappropriate.

There is a premise that the longer the loan time, the higher the interest you have to pay, and the interest paid by the same principal and interest for the same loan time is higher than the average capital, calculated according to the loan 1 10,000, as follows:

30 years

Matching principal and interest (the same amount is paid every month): the monthly payment is 59 18.57 yuan, the total repayment is 2 130700 yuan, and the interest is paid130700 yuan.

Average capital (monthly repayment amount decreases): the first month is 7677.78 yuan, the total repayment amount is 654.38+8844 yuan, and the interest is 884.4 million yuan.

20 years

Matching principal and interest: monthly repayment of 7095.25 yuan, total repayment of 1702900 yuan, and interest payment of 702900 yuan.

Average capital contribution: in the first month, the capital contribution was 6,543.8+0.5904 million yuan, the total repayment amount was 6,543.8+0.5904 million yuan, and the interest paid was 590.4 million yuan.

/kloc-0 0 year

Matching principal and interest: monthly repayment 1 104 1.88 yuan, total repayment132,500 yuan, and interest payment of 325,000 yuan.

The average investment in the first month is 13233.33 yuan, the total repayment amount is1296,500 yuan, and the interest is paid 296,400 yuan.

First of all, you should consider how much repayment you can bear every month, whether it will affect your quality of life after paying off this money, or whether you don't care about the quality of life and just want to pay it back as soon as possible, so the shorter the time, the better. If you choose the average capital, the monthly pressure will be great.

Secondly, you should consider whether you are paid (paid) or self-employed (in business):

Salaried employees have no investment channels. At present, the income from putting money in the bank to buy sound financial management is less than 5.88%, so it is recommended to pay it back as much as possible. But there is still a problem. Paying 5,000 a month now is different from paying 5,000 a month in 20 years. Inflation will always exist, so in fact we have to consider an inflation rate and occupation cost. This is more complicated.

If the self-employed have projects that earn money and the return on investment is ≥5.88%, then invest. Generally, the cost of financing for small and medium-sized enterprises will not be less than 7%, so self-employed individuals will generally choose to pay back slowly. Of course, the self-employed can also pay back in advance, and when the house appreciates, they can take it to the bank for mortgage, so that they can get more funds and expand the scale of the enterprise.

Tip: the state is regulating and controlling, and the interest rates of bank loans have been gradually lowered. If the contract has not been signed, it is recommended to wait for a short time. 20 19 it's only a matter of time before the bank lowers the loan interest rate. I don't know where you are. If the market grows by 20%, it is no longer competitive. Now the market price is the first set 15%, at least 15%, and it is ahead of schedule.

I hope I can help you.

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