The loan amount of provident fund should be determined according to four conditions: repayment ability, proportion to house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loanable amount of the lender.
Provident fund loan amount and its calculation method;
[(the total monthly salary of the borrower and the monthly contribution of the housing provident fund of the borrower) × repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan ]× loan term (month);
Use of spouse's quota: [(total monthly salary of husband and wife, monthly contribution of housing accumulation fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan period (month);
The repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution);
The calculation formula of the loan amount calculated according to the house price is: loan amount = house price × loan ratio.
CCB Bank Mortgage Calculator
According to the repayment formula of general mortgage loans, it can be divided into two types:
1. Equal 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, which can control the expenditure of family income in a planned way and facilitate each family to determine the repayment ability according to their own income. Calculation formula of equal principal and interest: [loan principal × monthly interest rate ×( 1 interest rate )× repayment months] ⊙[( 1 interest rate )× repayment months-1] Calculation principle: from the monthly contribution, the bank collects the interest of the remaining principal first, and then the principal; The proportion of interest in monthly payment decreases with the decrease of residual principal, and the proportion of principal in monthly payment increases with the increase, but the total monthly payment remains unchanged.
2. average capital repayment method: Repay the principal in equal amount every month, and then calculate the interest according to the remaining principal, so you will pay more interest at first, so the repayment amount will be more at first, and then it will be reduced every month in the following time. The advantage of this method is that it is more suitable for families with strong repayment ability because the repayment amount is large at the beginning. Average capital calculation formula: monthly repayment amount = (loan principal/repayment months) (principal-accumulated principal repaid) × monthly interest rate average capital calculation formula: monthly repayment amount = monthly principal and interest = principal/repayment months = (principal-accumulated repayment amount) × monthly interest rate calculation principle: monthly principal repaid remains unchanged, and interest decreases with the decrease of remaining principal.
You can do the math.
China Construction Bank Mortgage Calculator
Log on to the website of China Construction Bank, enter the personal online banking, and then enter the financial calculator. You can find the personal housing loan calculator in the personal loan calculator.
In 2009, CCB implemented a 7.8% discount. Because you don't know how much mortgage you borrowed from CCB, you don't know the monthly repayment.
There are fund trading calculators, personal deposit calculators, personal loan calculators and stock trading calculators. In personal loan calculator, you can choose personal housing loan to calculate your mortgage repayment. You can also choose a fully functional area.