After the provident fund is paid off first, from the time of buying a house, an extra interest of 30 thousand yuan will be paid one year later, and so on. On this basis, plus the total house price, see if it is cost-effective to sell 900 thousand.
Calculation method of mortgage interest:
1, 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 loan months and n represents the power of n, such as 240.
2. Monthly interest rate = annual interest rate/12
3. Total interest = monthly repayment amount * loan months-principal.
Extended data:
Division of property:
1. After marriage, a man and a woman buy real estate in the name of one or both parties, and the property right is registered in the name of the individual or both parties, and the mortgage loan is repaid by both parties after marriage.
As long as there is no special agreement between husband and wife, the property should be owned by the husband and wife, and the unpaid mortgage to the bank is a debt. Because according to the relevant provisions of China's marriage law, the property obtained during the existence of the relationship between husband and wife belongs to both husband and wife, unless the parties have agreed.
2. The property purchased by a man and a woman in the names of both parties after marriage is mortgaged in the name of one party, and the loan is repaid by one party, which shall also be regarded as the joint property of husband and wife. As long as the house acquired during the existence of husband and wife, whether there is any special agreement or not, whether it is registered in the names of both parties or one party, it belongs to the joint property of husband and wife.
For the above-mentioned property division, if both parties have obtained the property right of the house after marriage, in this case, the property owned by the husband and wife is the same, regardless of the name of one party or both parties on the property ownership certificate. When dividing the house value, it is calculated according to the market price, not according to the original purchase contract amount; If loans are involved, the loan part should be deleted first.
Baidu Encyclopedia-mortgage to buy a house