Introduction: When it comes to buying a house, it is generally not a small amount, ranging from hundreds of thousands to hundreds of millions. As the saying goes, if you don't have enough to eat and wear, you will be poor without planning. So in this article, Tuba Rabbit Bian Xiao presents the latest mortgage calculator of 20 15. Before buying a house, you can roughly calculate the future monthly payment and down payment, which will also make the whole house purchase more planned.
Before buying a house, can you calculate in advance how much you will pay back every month? Many property buyers have such questions. What Tutu wants to say is, of course, just use the mortgage calculator. The following rabbit will introduce you to the use of mortgage calculator and related concepts.
You can search for "mortgage calculator" in Baidu, and you can see a lot. As long as you click in, you can see mortgage calculator, provident fund loan calculator, prepayment counter and so on. Today, Tutu mainly introduces the mortgage calculator for buying a house.
1. Loan type. At present, the mainstream loan types include three categories, namely commercial loans, provident fund loans and portfolio loans. Among them, commercial loan refers to the loan form in which the buyer uses the purchased real estate as collateral to apply for a loan from a commercial bank to pay the house price, and then the buyer repays the principal and interest in installments. Provident fund loans refer to provident fund loans that employees who deposit housing provident fund can apply for in accordance with relevant regulations. Generally speaking, the interest rate of commercial loans is much higher than that of provident fund loans. Portfolio loan is a situation in which commercial loans and provident fund loans are used at the same time, but the interest rates are calculated separately.
Second, the calculation method. The calculation methods include area, unit price and total loan amount, which can be filled in by buyers according to their actual situation.
Third, the area and unit price. The area here refers to the area of the house you bought, and the unit price refers to how much per square meter. These two concepts are very easy to understand.
Fourth, the mortgage period. Generally speaking, the mortgage term refers to how many years you have borrowed from the bank, at least one year and no more than 30 years. You can determine it according to your own economic situation.
5. Percentage of mortgage loans. The mortgage ratio refers to the proportion of the total loan you give to the bank to the total house payment. From the distance, the total price of the house you bought is 654.38+0 million. If the mortgage ratio is 70%, it means that you borrowed 700,000 yuan from the bank.
Sixth, the repayment method. Repayment methods include equal principal and interest and average capital. If the principal and interest are equal, the interest paid in the early stage is more than the principal, and the interest paid in the later stage is less than the principal. No matter what kind of buyers, the monthly repayment amount is the same. The average capital repays the principal the same every month, the interest will decrease with time, and the repayment will decrease month by month.
Knowing the above concepts, I believe that everyone can already use the mortgage calculator, and quickly calculate your monthly payment!
Housing mortgage calculator
Housing mortgage calculator: The results calculated by this calculator are for reference only. In this calculator, suppose there are 360 days a year. In fact, interest rates
Housing mortgage calculator:
Housing mortgage calculator
You can try to calculate it through our loan calculator. Log in to the lower right of China Merchants Bank official website and find the "Financial Calculator"-"Personal Loan Calculator" for calculation. (You can view information such as monthly payment, monthly principal, monthly interest, principal balance, total interest and total repayment).
Mortgage calculator for loan calculator
Public housing loan calculator 20 13 has compiled various latest online loan calculators based on the latest loan interest rate of 20 12, including mortgage calculator, prepayment calculator, provident fund loan calculator and house purchase tax calculator. At the same time, the loan tax interest blog also introduces various loan interest calculation methods and knowledge, and the housing loan calculator 20 13 can bring great convenience.
Matching principal and interest repayment method: during the repayment period, the same amount of loans (including principal and interest) are repaid every month, so that the monthly repayment amount is fixed, the expenditure of family income can be controlled in a planned way, and it is also convenient for each family to determine the repayment ability according to their own income.
Average capital Repayment Method: Repay the principal in equal amount every month, and then calculate the interest according to the remaining principal, so at the beginning, you will pay more interest because of more principal, so the repayment amount at the beginning is more, and then it will decrease every month. The advantage of this method is that the initial repayment amount is large, which reduces interest expenses and is more suitable for families with strong repayment ability.
The latest MPF mortgage calculator 20 13, the latest interest rate, keep updated at any time. Its functions are as follows:
1. Mortgage calculation
2. Evaluation and calculation of purchasing power (national cities)
3. Calculation of advance payment
4. Calculation of taxes and fees, etc. This calculator is a housing loan calculator, including personal housing mortgage loan calculator, housing loan calculator, mortgage loan calculator and other functions. The latest mortgage calculator 20 13 provides two repayment methods: average principal repayment method and equal principal and interest repayment method.
When using, you only need to choose the corresponding loan method, fill in the corresponding loan amount and choose the loan term, and choose your repayment method to calculate the monthly mortgage repayment according to the latest loan interest rate. After the calculation of the mortgage calculator is completed, you can also view the detailed repayment information. According to the comparison between the average capital repayment method and the matching principal and interest, the most suitable repayment method can be selected. If necessary, you can also modify the annual interest rate according to the actual situation.
Mortgage calculator 20 13 helps you to calculate the monthly payment, total interest and total repayment of each installment by means of average capital and equal principal and interest repayment, and plan how to repay when you use commercial loans. Finally, the calculation results of mortgage calculator 20 13 can also display details, so customers can easily obtain repayment details.
Operating Steps: Step 1: Please select the repayment method. There are two options, namely, equal principal and interest repayment method and average capital repayment method.
Step 2: Fill in the amount of personal property mortgage loan and choose the term of personal property mortgage loan. Step 3: Choose the mortgage interest rate of personal property according to the latest loan interest rate. Step 4: If repayment details are required, the repayment details will be Yes by default. If you don't need to display the repayment details, you can chooseNo. Finally, click Calculate to get the monthly repayment amount, total interest and total repayment amount of personal property mortgage loan.