Housing commercial loan calculation:

1, appraisal fee: appraisal price ×3‰

2. Mortgage registration fee: loan amount × 1.8‰+80.

3. Cost: 300/ household (unmarried: 400/ household)

4. Guarantee fee: loan amount ×2%

Equal principal and interest calculation formula

Calculation principle: from the beginning of monthly contribution, the bank collects the interest of the remaining principal first, and then the principal; The proportion of interest in monthly payment decreases with the decrease of residual principal, and the proportion of principal in monthly payment increases with the increase, but the total monthly payment remains unchanged.

Down payment = principal × down payment ratio

Monthly payment = monthly principal+monthly principal and interest

Monthly principal = principal/repayment months

Monthly principal and interest = principal x monthly interest rate

Average capital calculation formula

The borrower distributes the principal equally every month and pays off the interest between the last repayment date and the current repayment date. Compared with the matching principal and interest, the total interest cost of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month.

Monthly repayment amount = monthly principal+monthly principal and interest

Monthly principal = principal/repayment months

Monthly principal and interest = (principal-total accumulated repayment) x monthly interest rate

Calculation principle: the amount of principal returned every month is always the same, and the interest will decrease with the decrease of the remaining principal.

How to calculate the monthly payment of commercial loans?

It is related to interest rate, principal and years. Take the first 200,000 suites in 20 years as an example, comprehensively evaluate the bank loan interest rate according to the credit situation of the loan, and determine the loan interest rate level according to the credit situation, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, some banks have different loan interest rates for the first suite. Since 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 7, 20 1 1 year, and the interest rate over five years was 7.05%. The monthly interest rate is 7.05%/122,000 10 years (120 months), and the monthly repayment amount is 200,000 * 7.05%/12 * (1+7.05%//kloc). 120- 1] = 2327.33 yuan. Total interest: 2327.33 * 120-200000 = 79279.6 Description: 120 is120 times.

How to calculate the monthly payment of commercial loans?

The loan interest rate is 5.445%, which is the annual interest rate. Converted into a monthly interest of 5.445%/12,300,000 yuan, with a term of 10 year (120 months), and the monthly payment is:

300000 * 5.445%/ 12 * ( 1+5.445%/ 12) 120/[( 1+5.445%/ 12)]

Description: 120 is the power of 120.

Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans. Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same.

How to calculate monthly loans from banks?

1. Monthly interest rate: interest calculated on a monthly basis. The calculation method is: monthly interest rate = annual interest rate ÷ 12 (month).

2. Daily interest rate: The daily interest rate is called the daily interest rate and is calculated on a daily basis. The calculation method is: daily interest rate = annual interest rate ÷360 (days) = monthly interest rate ÷30 (days).

3. Annual interest rate: usually in the form of percentage of principal, interest is calculated annually. Calculation method: annual interest rate = interest ÷ principal ÷ time × 100%.

4. Annualized interest rate: refers to the interest rate at which the inherent rate of return of products is discounted to the whole year, which is quite different from the calculation method of annual interest rate. Assuming that the yield of a wealth management product is one year and the yield is B, the annualized interest rate R is calculated as R = (1+B) A- 1.

5. Calculation formula of equal principal and interest: [loan principal × monthly interest rate× (1+monthly interest rate) repayment months] ÷ repayment months [( 1+ monthly interest rate) repayment months-1]

6. Calculation formula of average fund: monthly repayment amount = (loan principal ÷ repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.

Extended information:

Bank loan refers to an economic behavior in which banks lend funds to people in need at a certain interest rate according to national policies and agree to return them within a specified time limit. Generally, you need a guarantee, a house mortgage, or proof of income, and your personal credit information is good before you can apply.

Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan quotas, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans are mostly in the form of discounted bills, credit accounts and overdraft accounts.

According to different classification standards, there are different types of bank loans. For example:

1. According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;

2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;

3. According to the purpose or object of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans.

4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.

5. According to the loan amount, it can be divided into wholesale loans and retail loans;

6. According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans, and so on.

Short-term loans refer to loans with a loan term of 1 year (inclusive). Short-term loans are generally used for the liquidity needs of the borrower's production and operation.

The currencies of short-term loans include RMB and major convertible currencies of other countries and regions. The term of short-term working capital loans is generally about half a year, and the longest is no more than one year; Short-term loans can only be extended once, and the extension period cannot exceed the original period.

The loan interest rate is determined according to the interest rate policy formulated by the People's Bank of China and the floating range of the loan interest rate, as well as the nature, currency, use, method, term and risk of the loan, among which the foreign exchange loan interest rate is divided into floating interest rate and fixed interest rate. The loan interest rate is indicated in the loan contract, which customers can check when applying for a loan. Overdue loans will be punished according to regulations.

The advantages of short-term loans are relatively low interest rates and relatively stable capital supply and repayment. The disadvantage is that it cannot meet the long-term capital needs of enterprises. At the same time, because short-term loans use fixed interest rates, the interests of enterprises may be affected by interest rate fluctuations.