More than 30 thousand 1. The interest in bridge loan is 1.2% to 5%. The specific loan interest is also related to the repayment method selected by the user. Generally, the repayment method for prepayment is to pay interest on a monthly basis and repay the principal in one lump sum, with loan interest = loan principal interest rate term. However, because bridge loan does not occupy funds for a long time, it is only a temporary need, and it needs to repay the principal and interest once it expires. Because of the importance of bridge loan, it usually gives the fund providers a fairly high return. The loan interest is equal to the loan fund multiplied by the daily interest rate.
2. The so-called advance loan means, for example, in the process of buying a house, when the down payment of the next home is insufficient, the so-called "loan service company" or guarantee company takes out funds to help the next home make up the down payment to help complete the purchase. Of course, borrowers have to charge 2% to 5% "advance payment". To put it bluntly, this kind of "first payment" behavior is similar to that of the people.
3. In the past, because most banks have set up "sub-mortgage" business, if buyers and sellers borrow from the same bank, the loan transfer can be easily completed. Even if you don't borrow from the same bank, the letter of guarantee intervened by the guarantee company can facilitate the circulation of the loan, and the transaction between the upper and lower households also appears smooth. The main space for "funds" lies in some speculators, who want to shorten the real estate transaction time and the waiting period for loan issuance, so they would rather pay more to realize the rapid flow of funds.
Does selling a house include loan interest?
Yes, interest is included in your purchase cost.
The interest is calculated according to the market price of the house you bought. If the seller of your house is a loan, it will be calculated according to your appraisal price.
How to calculate the sale of houses in loans?
1, the calculation formula of equal principal and interest method. This method is to repay the loan on average, which is the same every month, with less pressure and more average. The formula is monthly repayment amount = monthly interest rate of principal [(65438+ 10 interest rate) n/[(65438+ 10 interest rate) n- 1]. In the formula, n represents the number of months of loan, and n represents the power of n, such as 240, which represents the power of 240 (loan for 20 years and 240 months).
2. The other is the calculation formula of the average capital method. This calculation method pays more in front and less in the back, and the repayment pressure is getting smaller and smaller, but the disadvantage is that the pressure in front is great. The basic formula is monthly repayment amount = principal /n monthly interest rate of remaining principal, and total interest = monthly interest rate of principal (loan months /20.5). If you have more money on hand, you can choose this method.
3. Compared with the above two methods, each has its own advantages. The former needs to repay more loans than the latter, and the average capital method needs less loans than the equal principal and interest method. But you should judge according to your own situation. The borrower can choose which way to repay the loan, and the bank will provide the way according to the customer's opinion.
A house with a loan
1. You can go to the loan bank to consult whether you can refinance the mortgaged property. If you can, you can transfer the loan you still owe to the bank to the buyer's name.
2. If the buyer doesn't want to continue the mortgage, he can also pay off the bank loan directly without bearing the loan interest.
3. If the banking department does not allow mortgage, you can find a formal guarantee company to redeem the deed. After the redemption of the deed, it is equivalent to canceling the mortgage relationship of the original house. In this case, the house can be traded. Of course, the guarantee company will charge fees.
4. You can find a formal intermediary company to pay off the loan first by collecting the advance payment from the buyer, but you need to go to the notary office for notarization, which requires a certain handling fee.
I sold my house and borrowed 400 thousand, 20 years' interest. How to pay off the 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 trial calculation of the benchmark interest rate, under the condition that the interest rate remains unchanged, the repayment method of equal principal and interest is adopted, and the total interest is 228,266.29 yuan, and the average capital method interest is 65,438+096,865,438+06.67 yuan. Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)
At present, banks generally adopt the method of equal principal and interest repayment.
Matching principal and interest refers to a repayment method of loans. During the repayment period, the same amount of loans will be repaid every month. No matter how many years the repayment period, the repayment amount is fixed. This repayment method is relatively suitable for some people who have no stable income, and the pressure will be less.
What is the equal principal and interest method:
Matching principal and interest method is a calculation method of repayment after loan. Under this repayment method, the lender pays the same amount in each installment, and the loan interest will be calculated according to the remaining principal after monthly repayment. In the initial repayment of this loan repayment method, the interest of repayment is greater than the principal, and in the later period, due to the increase of the repaid principal, the interest is reduced, and the repaid principal is redundant. This repayment method is not suitable for those who intend to repay in advance, because under this repayment method, most of the initial repayment is interest and the principal is not much, so it is not cost-effective to repay in advance.
Equal principal and interest method. Under the repayment method of equal principal and interest, the borrower pays the same amount in each installment, paying more interest and less principal at the initial stage, and the interest decreases with the decrease of principal at the later stage, and the repaid principal gradually increases. Under the repayment mode of average capital, the borrower repays the same amount of principal in each period, and the interest on loan repayment will decrease month by month with the increase of repayment of principal, so the borrower's monthly repayment amount will decrease month by month. These two repayment methods are different. The monthly repayment of equal principal and interest remains unchanged, while the monthly repayment of average capital gradually decreases, but the similarity between them is that interest decreases with the decrease of remaining principal.
How to calculate the interest on selling the loan house?
There are two ways: 1, equal repayment of principal: divide the loan amount into n installments according to the number of repayment periods, and multiply the outstanding amount of each installment by the loan interest rate until the current interest is paid off; 2. Matching principal and interest repayment method: the sum of principal and interest repaid in each installment is equal. Provisions of the Supreme People's Government on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 27 After the principal and interest of the previous loan have been settled, both the borrower and the lender will include the interest in the principal of the latter loan and issue a new certificate of creditor's rights. If the previous interest rate does not exceed four times the listed interest rate of one-year loan market when the contract is established, the amount specified in the reissued creditor's rights certificate can be confirmed as the later loan principal. The overcharged interest shall not be used as the loan principal in the future. According to the calculation in the preceding paragraph, if the sum of the principal and interest payable by the borrower after the expiration of the loan term exceeds the sum of the interest of the whole loan term based on the initial loan principal and calculated at four times the quoted interest rate of the one-year loan market when the contract is established, the people will not support it.
This concludes the introduction of how to calculate the interest of housing loan and how to calculate the interest of housing loan. I wonder if you have found the information you need?