Loan/kloc-0.5 million yuan, loan for 5 years. With the housing provident fund loan, the monthly repayment is167,582.63 yuan, of which the five-year interest is 1758.63 yuan.
The provident fund loan of 23,000 yuan has been used for 30 years, and I hope to pay it off within 5 years. How is the repayment appropriate?
How much money is in your account? Many words, first use the annual mortgage. This can offset the principal as soon as possible (every April or September), and then transfer the money to the repayment account every month (this money is from your salary, and the money in your provident fund account is still accumulating because you chose the annual mortgage). After one year, you can change the annual mortgage into a monthly mortgage (you have to apply some time in advance). In this way, you can put it in your account.
If the above-mentioned annual repayment is changed to monthly repayment in the following year, the repayment pressure on you is still not great. Choosing equal repayment will save interest than choosing equal repayment. (However, when borrowing provident fund, the choice of which method has been decided, and it seems that it cannot be changed. )
If you still feel that you have enough funds to repay the loan in advance, you can go to your bank to repay the loan in advance. There is no penalty for repaying the loan in advance with the provident fund, and a small amount of guarantee fee can be refunded.
How much is the monthly payment of 33,000 generations of five-year provident fund loans?
The total loan amount is 300,000.00 yuan, the repayment period is 360 months, the monthly repayment is 65,438+0,432.25 yuan, the total interest paid is 265,438+05,608.52 yuan, and the total principal and interest is 565,438+05,608.52 yuan.
Four, provident fund loans of 300 thousand yuan, how much to return every month?
According to the central bank's annual interest rate of 3.25% for provident fund loans for more than five years, the monthly contribution of 600,000 yuan for 20-year provident fund loans is as follows:
1, the repayment method of equal principal and interest is 300,000 yuan, and the monthly loan for 20 years is 3,403.38+07 yuan.
2. The average capital repayment method is 300,000 yuan. In the first month of 20 years, the loan is 465,438+025 yuan, and then it will decrease month by month.
Entrusted loan of housing provident fund (hereinafter referred to as provident fund loan) refers to the loan granted by the provident fund center to individual employees who meet the requirements stipulated by the provident fund center for the purchase, construction, renovation and overhaul of self-occupied housing. The operation process of individual housing provident fund loan is as follows: the lender applies-the handling bank conducts preliminary examination-the provident fund management department approves-the provident fund loan contract is signed-the mortgage, pledge, guarantee and other guarantee procedures are handled-the loan is issued-the data is filed-the loan is repaid-the loan is recovered-and the mortgage is cancelled by households.
Different provident fund centers have different application conditions for provident fund loans, mainly including:
1, with full capacity for civil conduct and legal and valid identity documents;
2, have the ability to repay the loan principal and interest;
3. Pay the housing provident fund in full and on time;
4. The down payment ratio meets the requirements;
5. Other conditions stipulated by the local provident fund management center.