As for who the bank's high-quality customer base is, many people say it is some big business owners, but it is a minority in the vast sea of people after all.

As for banks, there are still some people with relatively high professional scores, such as civil servants, administrative institutions or staff of state-owned enterprises, formal employees of central enterprises, state-owned enterprises, listed companies, and top 500 domestic companies.

This group of people has a characteristic, that is, their income is stable, their welfare benefits are good, and their income basically has little impact on the epidemic.

Therefore, such groups are also the targets of major banks. At the same time, these people will be given relatively low interest rate loan products.

Even some bank credit products set the loan amount directly according to the preparation level.

1. Interest rate: annualized interest rate of 4.2%.

2. Repayment method: equal principal and interest, up to 20 years.

3. Consumption purpose: the quota is 654.38+00,000 yuan (no business license is required).

4. You can use the full mortgage or secondary mortgage of the mortgaged house, or you can convert the mixed loan into a commercial loan.

5. Mortgage interest rate: 70% of the first-class mortgage of other banks.

2. Borrower's age: The borrower's age and loan term are 60 years.

3.*** Scope of the same borrower: The loan is provided to the same borrower and can be used by both husband and wife, children, relatives and friends.

4. Mortgagor: owner, spouse, adult children, parents, mortgagor 18-65 years old.

5. Credit requirements: 6 inquiries within half a year, no bad credit records, and no executed bills at present.

1. Housing in the area within the Third Ring Road of Wuhan (villas, shops and apartments need to be carefully accommodated).

2. It is forbidden for other banks to use mortgage as the mortgage for the maximum amount or pre-sale of houses.

3. The loan term is generally not more than 40 years, and the longest house age in a good location is not more than 50 years.

Generally speaking, the interest rate of this bank's new mortgage scheme is really extremely low, which I dare not imagine since I started my business. Low interest rate is accompanied by high requirements, good units, good real estate and good credit information, which is called "three highs". A unit alone lost a lot of people.

However, the flexibility is that it can be mortgaged once, or it can be directly mortgaged twice without settling the original mortgage loan. For example, some outstanding mortgage loans or commercial loans with high interest rates can be used for conversion. However, although the interest rate is low, the term is generally 10 year. Although you can save a lot of interest, the monthly payment will increase relatively, so you should consider your repayment ability comprehensively.

Loans are leverage, business creates value, investment is risky, and loans should be cautious.

Why is Wuhan real estate mortgage loan rejected? These points will definitely not work, and there are strategies.

How to add and subtract the names of Wuhan real estate before and after marriage, and how to choose inheritance, sale and gift?

In Wuhan, how to avoid bank withdrawal and loan interruption when lending?

Can civil servants apply for real estate mortgage loans? What's the difference between operating mortgage and operating mortgage?

Related questions and answers: related questions and answers: how to calculate the interest rate of house loan? Although the current way of buying a house by loan facilitates many friends to realize their dream of buying a house in advance, the interest generated by buying a house by loan is not a small amount. After all, the loan is a big deal, so we should be prepared in advance and pay attention to some precautions. So how to calculate the interest on the loan to buy a house and how to do a good job in the loan transaction?

First, how to calculate the interest on the house loan?

There are two ways to calculate interest according to the repayment method when buying a house with a loan:

1. Equal principal repayment method:

Divide the loan amount into n installments according to the number of repayment installments, 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 principal and interest during the loan period will be calculated on an annual basis, and the sum of the principal and interest repaid in each period is equal. The calculation of interest is complicated, and the interest of each period is not equal, but the sum of principal and interest of each period is equal.

The first interest is the principal amount occupied multiplied by the loan interest rate, and the principal repaid in the first period is the equivalent annuity repaid in each period minus the first interest; The interest calculation of the second phase is to subtract the principal repaid in the first phase from the total loan principal to get the second phase principal, and then multiply it by the loan interest rate to get the interest payable in the second phase, and so on.

Second, how to borrow money to buy a house?

1, mortgage job hopping

The so-called mortgage job-hopping is "mortgage transfer", that is, the new loan bank helps customers find a guarantee company, pays off the money of the original loan bank, and then reapplies for a loan at the new loan bank. If your current bank can't give you a 30% discount on mortgage interest, you can completely jump ship and find the most affordable bank.

2. Adjust the interest rate every month

Since 2006, many commercial banks have launched fixed-rate mortgage business by adjusting interest rates every month. Because the fixed interest rate was in the interest rate rising channel when it was introduced, it was slightly higher than the floating interest rate in the same period when it was designed. As long as the central bank raises interest rates once, its advantages will immediately appear. But once the interest rate is cut, the buyers who choose it will suffer.

3, provident fund transfer owing on the loan

On the way of transferring provident fund to repay loans, on the one hand, when applying for portfolio loans to buy a house, we should make full use of provident fund loans, extend the loan life as much as possible, and minimize the monthly repayment amount of provident fund while enjoying the benefits of low interest rates; Try to shorten the life of commercial loans and increase the monthly repayment amount of commercial loans as much as possible within the family's economic affordability.

The above is the introduction of the loan to buy a house. Some friends will start to want to repay the loan in advance after buying a house for a period of time. Before repaying the loan in advance, they should settle the accounts, because not all prepayment can save money. For example, if the repayment period is over half and the principal in the monthly repayment amount is greater than the interest, then the significance of early repayment is not great.

Many people care about the interest on loans. The lower the loan interest, the better, which means your capital cost is lower. However, how to calculate the interest of 20 19 house loan?

The following small series will tell you about the calculation method of interest on house loan.

How to calculate the interest on the house loan?

If you apply for a mortgage after 20 15, 10/0/0, you can calculate it according to the latest interest rate of 4.9% (5 to 30 years). As for the provident fund, the interest rate of individual housing provident fund loans has not been adjusted due to the interest rate cut on October 24th, 2065438+2005/kloc-0. The loan interest rate of individual housing provident fund for more than five years has been lowered four times this year, from 4.25% at the beginning of the year to 3.25% at present.

And before the bank makes further adjustment, the interest rate of 20 16 housing loan will remain unchanged!

Since most banks adjust interest rates according to the following year, many friends who have already made loans before the loan interest rate adjustment will adjust the interest rate of housing loans to the latest interest rate of 20 16 1.

Example: a house, 1000 square meters, 10000 square meters, 30% down payment, mortgage loan for 20 years, how much is the monthly payment and the total interest?

The known total house price is 6,543.8+0,000, with a down payment of 300,000 and a mortgage of 700,000, with a term of 20 years. Calculated according to the current benchmark interest rate of 6.55%.

Calculation method of interest on house purchase loan

1, equal principal and interest method: calculation formula

Monthly repayment amount = principal * monthly interest rate *[( 1+ monthly interest rate) n/[( 1+ monthly interest rate) n- 1]

Where n represents the number of months of loan, and n represents the power of n, such as 240, representing the power of 240 (20 years and 240 months of loan).

Monthly interest rate = annual interest rate/12

Total interest = monthly repayment amount * loan months-principal

After calculation, the monthly repayment amount is 5239.64 yuan (the same every month). The total repayment is 12575 13.09 yuan, and the total interest is 5575 13.09 yuan.

2. Average capital method: calculation formula.

Monthly repayment amount = principal /n+ remaining principal * monthly interest rate

Total interest = principal * monthly interest rate * (loan months /2+0.5)

After calculation, the repayment amount in the first month is 6737.50 yuan (it will decrease month by month, and the repayment amount in the last month is 2932.59 yuan). The total repayment is1160410.42 yuan, and the total interest is 4604 10.42 yuan.

Compared with the above two methods, the average capital method is 97 102.66 yuan less than the equal principal and interest method.

It is normal for many young people to buy a house with a loan. But for friends who buy a house for the first time, especially novices, there will be many problems if they are in a hurry to buy a house. Therefore, before buying a house, they must first understand the relevant knowledge to prevent being deceived.