Now ordinary commercial banks can provide housing loans, of course, mainly concentrated in the four major state-owned commercial banks, especially ICBC and CCB. For the loan interest rate, the interest rates of commercial loans and provident fund loans are different, that is, individual housing provident fund loans: 1-5 years, with an annual interest rate of 3.78%; 5-30 years, with an annual interest rate of 4.23%. Personal housing commercial loan: 1-5 years, with an annual interest rate of 4.95%; 5-30 years, with an annual interest rate of 5.3 1%.
2. The loan is 3 million yuan, the interest rate is 4. 1, and the mortgage is 20 years. How much is the monthly payment?
If the commercial loan is 3 million yuan, the annual interest rate of the loan is 4. 1, the loan term is 20 years, and the fixed monthly payment is 19633.32 yuan.
If the commercial loan is 3 million yuan, the annual interest rate of the loan is 4. 1, and the loan is 20 years, the first monthly payment is 24,750 yuan, and the monthly payment will be reduced by 5 1.04 yuan in the following months.
3. What's the interest on the mortgage?
The benchmark interest rate of bank loans with real estate license for more than five years is 6. 14%. Ten years is six.
Property mortgage refers to the deed of the owner of the property. The property right of the house is still managed by the property owner himself, and the creditor only takes interest on schedule and has no right to manage the house. After the loan is paid off, the property owner will terminate the mortgage of the deed.
4. What is the mortgage interest rate?
Bank loan interest generally fluctuates on the basis of the benchmark interest rate of central bank loans. The recent benchmark interest rates of central bank loans are as follows: the one-year loan interest rate is 4.35% = 4.35%; The loan interest rate for one to five years is 4.75% = 4% 75; The loan interest rate for more than five years is 4.90%=4% 90. Generally speaking, mortgage will not be affected by the rise and fall of house prices, mainly as a means of national policy regulation. Moreover, the interest of bank loans is generally not calculated by percentage, but often by a few percent. General annual interest rate 1% means 1%, monthly interest rate 1% means 0. 1%, and daily interest rate 1% means 0.0 1%. The maximum loan amount of housing provident fund is 1, and the loan amount shall not exceed the borrower's family repayment ability within the loan period. Loan amount = the sum of the total monthly wages of the borrower and his spouse, then the monthly salary of the borrower is 160÷(8%8%)= 1000 yuan, and the monthly salary of the spouse is 286 ÷ (13%13%) =/. 2, the loan amount does not exceed a certain proportion of the house price to buy commercial housing, cooperative housing, affordable housing (Anjufang) and self-built housing, the loan amount does not exceed 70% of the house price or construction cost; Now living in public housing, renovation of housing, overhaul of self-housing, the loan amount shall not exceed 50% of the housing price or housing repair costs; The loan amount for purchasing private houses shall not exceed 70% of the appraised value and transaction price of the houses; The loan amount for the replacement of public housing shall not exceed 50% of the compensation fee for the replacement of public housing assessed by the replacement enterprise, and if the property right of public housing is purchased at the same time, the loan amount shall not exceed 50% of the compensation fee for the replacement of public housing assessed and the total sales price of public housing. On March 30, 20 15, the central bank issued a notice: households with 1 apartment and outstanding mortgage apply for commercial loans to buy ordinary self-occupied houses again, and the minimum down payment ratio will be reduced to not less than 40%; Use the provident fund loan to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%; Those who own 1 apartment and have settled their mortgage will apply for provident fund loans again to buy ordinary self-occupied housing, with a minimum down payment ratio of 30%. 3. The loan amount shall not exceed a certain multiple of the balance of housing provident fund deposit, and the loan amount shall not exceed 15 times of the balance of housing provident fund deposit of both husband and wife of the borrower. 4, the loan amount does not exceed the maximum loan amount determined by the municipal housing reform leading group.