"Equal principal and interest" repayment method
Annual interest rate =5.67%, monthly interest rate = annual interest rate/12=0.4725%.
Formula monthly repayment amount = loan amount and monthly interest rate /[ 1-( 1 interest rate)-repayment months]
Monthly repayment amount = 900000.4725%/[1-(10.4725%)-24]
Monthly repayment amount = 3975.49 yuan
Total repayment amount = 954 1 1.66 yuan.
Total interest = 54 1 1.66 yuan.
Results:
The monthly repayment of this loan is 3,975.49 yuan; The total repayment amount is 954 1 1.66 yuan; The total interest is 54 1 1.66 yuan.
20 14 what is the maximum amount of Guangzhou provident fund loan? How to calculate
What is the maximum amount of personal housing mortgage loan of Guangzhou housing provident fund?
Answer: The calculation of the loan amount of housing provident fund should be determined according to three conditions: the balance stored in the housing provident fund account, the maximum loan amount and the loan proportion. The minimum value calculated according to these three conditions is the maximum loanable amount of the borrower.
1. Loan amount calculated according to the balance of housing provident fund account, etc.
The calculation formula is:
(Balance of provident fund account, monthly contribution of provident fund ×2× statutory retirement months) ×2
2. The loanable amount calculated according to the maximum loan amount.
If one person applies for a housing provident fund loan, the maximum loan amount is 500,000 yuan, and if two or more people purchase the same house and apply for a housing provident fund loan, the maximum loan amount is 800,000 yuan.
3. The loanable amount calculated according to the loan proportion
For families (including borrowers, spouses and minor children, the same below) who purchase the first home and whose construction area in Xing Tao is less than 90 square meters (including 90 square meters) or purchase affordable housing according to regulations, the down payment ratio shall not be less than 20%; For families who purchase the first home and have a building area of 90 square meters or more, the down payment ratio is not less than 30%;
20 14 how to pay back the balance of the student loan of northeast Li Dian university, is it still in AliPay or in the agricultural bank card issued by the school?
Then let me add a few words. If you can't afford to go to college, there are two ways to choose. You can apply for deferred payment of tuition fees. This application can last 1-4 years, but the school may push your tuition in the middle. As long as you explain the situation, it's nothing. This tuition fee is owed by the school and has no interest. If you can't pay in time when you graduate, you may not get the original college diploma. Generally, you can take one to find a job, and then pay the tuition when the job is rich. The school will give you the original diploma after paying the money.
Second, many banks are still willing to lend money to students to pay tuition fees by borrowing money from banks. Be sure to go to the bank designated by the school for a loan. For example, if the school's account is in the Agricultural Bank of China, you can go to the Agricultural Bank for a loan. There is no interest on this loan when you study, but once you leave school after graduation, the interest is very high. Just like other ordinary loans. The advantage of this method is that you can get your diploma on time after graduation. Because what you owe is not money from the school, but money from the bank.
/kloc-how many books have been returned from the mortgage of 300,000 yuan 15, 201438+0 10 since October? How much will it cost if it is returned?
The interest rate before 2014/11/22 was 6.55%, and then it was 6. 15%.
20 16/ 1, and the interest rate was adjusted to 4.9%.
By 2065438+March 2008, the loan balance was about 250,000 yuan.
If it is paid off at one time, it needs to be paid back: the remaining principal is 250,000 yuan, and the current month's interest is 1.560.
20 14 what is the non-performing loan ratio of rural financial institutions?
According to the annual report of CBRC, by the end of 20 14, there were 3,949 banking financial institutions in China, with total assets of1510.4 trillion yuan, a year-on-year increase of13.3%; Total liabilities were 65,438+0,465,438+0.2 trillion yuan, an increase of 65,438+03.0%.
In terms of non-performing loans, rural commercial banks have the highest non-performing loan ratio of 1.7%, corresponding to the balance of non-performing loans of 72.55 billion yuan. The balance of non-performing loans of large commercial banks is 350.05 billion yuan, and the non-performing loan ratio is 1%. The balance of non-performing loans of joint-stock commercial banks and city commercial banks is 65.438+00.908 billion yuan and 54.82 billion yuan respectively, and the corresponding non-performing loan ratio is 0.9%.
Average housing loan balance
The average housing loan balance is 18.9 trillion yuan.
At the end of 2022, the balance of real estate development loans was 12.69 trillion yuan, up 3.7% year-on-year, and the growth rate was 1.5 percentage points higher than that at the end of the third quarter and 2.8 percentage points higher than that at the end of the previous year. The balance of individual housing loans was 38.8 trillion yuan, up 1.2% year-on-year, and the growth rate was 10 percentage point lower than that at the end of last year.
On February 3, 2022, the People's Bank of China released a statistical report on the loan investment of financial institutions in the fourth quarter, showing that at the end of 2022, the balance of RMB loans of financial institutions was 2 13.99 trillion yuan, a year-on-year increase of1.1%; In the whole year, RMB loans increased by 2 1.3 1 trillion yuan, a year-on-year increase of 1.36 trillion yuan.
_ _ Among them, the growth rate of real estate loans slowed down and the growth rate of real estate development loans increased. The data shows that at the end of 2022, the balance of RMB real estate loans was 53./kloc-0.6 trillion yuan, a year-on-year increase of 65.438+0.5%, which was 6.5 percentage points lower than the growth rate at the end of last year. The annual increase was 72 13 billion yuan, accounting for 3.4% of the increase in various loans in the same period.
_ _ At the end of 2022, the balance of real estate development loans was 12.69 trillion yuan, up by 3.7% year-on-year, and the growth rate was 1.5 percentage points higher than that at the end of the third quarter and 2.8 percentage points higher than that at the end of the previous year. The balance of individual housing loans was 38.8 trillion yuan, up 1.2% year-on-year, and the growth rate was 10 percentage point lower than that at the end of last year.
_ _ At the same time, the growth rate of residents' business loans continued to rise, while the growth rate of residents' consumer loans declined. At the end of 2022, the balance of household loans was 74.94 trillion yuan, up 5.4% year-on-year, and the growth rate was 65,438+0.8 percentage points lower than that at the end of the third quarter and 7.65,438+0 percentage points lower than that at the end of the previous year. The annual increase was 3.83 trillion yuan, a year-on-year decrease of 4.09 trillion yuan.
_ _ At the end of 2022, the balance of our operating loans was 18.9 trillion yuan, up by 16.5% year-on-year, 0.4 percentage points higher than the end of the third quarter and 2.6 percentage points lower than the end of the previous year; The annual increase was 2.68 trillion yuan, an increase of 79.3 billion yuan. The balance of consumer loans (excluding personal housing loans) was 17.25 trillion yuan, up 4. 1% year-on-year, and the growth rate was 1.3 percentage points lower than that at the end of the third quarter and 5.4 percentage points lower than that at the end of the previous year. The annual increase was 675.5 billion yuan, a year-on-year decrease of 764.6 billion yuan. At the end of the second quarter of 2022, the balance of RMB loans of financial institutions was 206.35 trillion yuan, a year-on-year increase of 1 1.2%.
In the first half of the year, China's GDP was 56,264.2 billion yuan. At the end of the first quarter, the leverage ratio of China's residential sector was 62. 1%.
We can draw two messages from it:
1. The proportion of household loans to total loans is about 35.5 1%.
2. The leverage ratio of residents is the ratio of total liabilities of residents' departments to GDP. 62. 1% means that the total debt of residents accounts for more than 60% of GDP.
The International Monetary Fund believes that the leverage ratio of residents exceeding 65% will affect financial stability. At present, the leverage ratio of Chinese residents has approached or even exceeded.
Residents' liabilities are mainly mortgages.
According to the data of the central bank, the balance of individual housing loans was 38.86 trillion yuan, up 6.2% year-on-year, and the growth rate was 5. 1 percentage point lower than that at the end of last year.
Overall, this growth rate is higher than the GDP growth rate, but lower than the previous mortgage growth rate. The main reasons are:
1. At present, the debt ratio of residents is at a high level, and there is limited room for further increase.
2. The property market is relatively cold, house prices are adjusted back, and residents' enthusiasm for buying a house is declining.
Central bank data also shows that:
At the end of the second quarter of 2022, the balance of RMB real estate loans was 53. 1 1 trillion yuan, a year-on-year increase of 4.2%, which was 3.7 percentage points lower than the growth rate at the end of last year. Among them, the balance of real estate development loans was 12.49 trillion yuan, down 0.2% year-on-year, and the growth rate was 1. 1 percentage point lower than that at the end of last year.
Real estate loans include development loans and mortgage loans. In the last year or two, due to the occasional liquidity crisis of housing enterprises and the impact of the cold winter in the property market, the funds obtained by housing enterprises from banks have decreased significantly.
At the meeting of the Political Bureau on July 28th, it was mentioned that to stabilize the real estate market, we should adhere to the position that houses are used for living, not for speculation. Due to the city's policy, make full use of the policy toolbox, support the demand for rigid and improved housing, compact the responsibility of local governments, ensure the delivery of buildings, and stabilize people's livelihood.
The China Banking Regulatory Commission also made a statement: support local governments to do a good job of "guaranteeing buildings and handing over houses" and promote the stable and healthy development of the real estate market.
It can be expected that the financing of housing enterprises should be improved. After all, the property market is too important, not only involving people's livelihood, but also affecting the overall economic stability.
This concludes the introduction of the loan balance of 20 14 and the loan interest rate from 20 14 to 20 19. Did you find the information you needed?