Now commercial loans are all 5.635, and your 6. 12 is naturally high. According to your 6. 12, the loan is 580,000 yuan, and the monthly repayment is 3522.27 yuan (equal principal and interest), for 30 years. If conditions permit, the average capital can also be used as a commercial loan. The average capital ratio repaid more than 250,000 yuan to the bank with equal principal and interest. According to the interest rate of 5.635, the monthly payment is 3,342.47, which is less than that of 200 yuan every month, and how much less in 30 years.
A loan of 580 thousand can be used as a provident fund loan. Now the national provident fund loan ceiling is 600,000. This 580 thousand can use the provident fund, which will save a lot. The interest rate of provident fund loan is 3.25, the loan is 30 years, and the monthly payment is 2524.20. Do you save more every month?
You need to find a reliable intermediary. After all, intermediaries know a lot, and reliable intermediaries can save you. Download a mortgage calculator, you can do it yourself. Wish you all the best.
1 This is too high. The interest rate of my mortgage here is around 4 o'clock, and it will be higher after 5 o'clock. Your interest rate is over 6: 00, which should be a commercial loan, with a down payment of 240,000 yuan and a loan of 580,000 yuan. Why not take the provident fund loan with the lowest interest rate? Your down payment is not much, and the loan amount is not high. You haven't reached the upper limit of provident fund loan. The loan is 30 years, and the down payment of 240,000 can be counted.
If you can get a lower loan interest rate, in the range of 4-5%, it will be easier for you to enlarge the payment period and increase leverage, and it will be easier for you to get a higher income than the mortgage interest rate. The interest rate of 6% belongs to the category of high-risk financial management, and this kind of high-yield ordinary financial management is difficult to achieve. You need to make a portfolio, realize the wealth management income higher than the mortgage interest rate, or make long-term investments such as fixed fund investment. If there is a buffer time, ask the bank to see if there is any lower one, which can save some interest and is also conducive to the later family financial planning.
The loan is 270,000 yuan, with an interest rate of 4.9, which was borrowed by China Bank.
Remember that the bank's housing loan is one of the loans that ordinary people can borrow from the bank with the longest term, the highest amount and the lowest interest!
These are unaffordable mortgages.
My family bought it last month, with a down payment of 230,000 yuan, a loan of 530,000 yuan and a monthly interest of 3,600 yuan and 5.39 yuan.
Borrowed 540 thousand, 5.88 yuan, 30 years.
2065438+The second suite just started in June 2009, and the interest rate rose by 30% to 6.37. Coordinates: A small city in Guangxi ... Your interest rate is not high, be content.
I bought a house on June 5438+ 10 this year, and the interest rate was 6.37 ICBC.
Everything is rare and precious. More than 20 years ago, we were all proud of having a boy. Today, we regret that we passed the happy period and forgot to make money to marry our son. Buying a house is as exciting as having a son or two sons! In the future, the house will be like a surplus of men. Can you believe it?