Question 1: How is the monthly average balance of personal loans calculated? Do you want a formula or an answer? The formula is Baidu Encyclopedia-equal principal and interest (average capital). Please say the conditions for the answer.

Question 2: How to calculate the average monthly flow of bank loans? Generally speaking, the loan depends on the running water for half a year, at least three or four months, and the running water for half a year is relatively stable. Note that it is best to spend the night when saving money, not when entering or leaving. Secondly, it should be available every month, no matter how many, you can look at multiple cards comprehensively. If the running water is not fixed every month, on average, for example, it provides running water for half a year, then add up all these six months and divide them by. In turn: 2700; 2800; 3000; 2800; 3500;

Calculation method: (26002700280030028003500)/6 = 2900; The loan is online;

Question 3: How much monthly income can I borrow to buy a house? After the cancellation of housing distribution in kind, many low-and middle-income people are also wondering whether their wage income can afford to buy a house with a loan. This question depends on the loan amount of the buyers. At present, banks generally know that the average monthly repayment amount is in principle between 65%- 15% of the monthly income of individuals or families (couples can apply for loans together). In other words, individuals or families can only pay off 65% of their income every month to repay bank loans, and the remaining 35% should ensure that individuals or families can maintain a normal life. At the same time, individuals should also consider what other necessary payments are made every month, such as the support of the elderly, the support and education of children, etc. Repayment method: If the loan term is within one year (including one year), the principal and interest will be repaid once when the loan expires, and the interest will be paid with the principal; If the loan term is more than one year, there are three repayment methods: ① equal monthly repayment of principal and interest, ② average capital repayment, and ③ equal incremental repayment. At present, banks basically adopt the method of equal monthly repayment of principal and interest. That is, from the first repayment to the last repayment, the monthly repayment amount is equal. (In case of legal interest rate adjustment, the new interest rate regulations will be implemented according to the corresponding interest rate grades from the beginning of next year). Those who apply for provident fund loans must be the depositors of the provident fund. You only need to pay 10% of the total house price as a down payment. The maximum loan amount is 390,000 yuan and the longest time is 30 years. The interest rate is about one percentage point lower than that of commercial loans. The following table shows a commercial loan of 1 10,000 yuan, and the average monthly repayment amount of each loan period. According to the amount and term of personal loan preparation, multiply the corresponding average monthly repayment amount in the table, which is the monthly repayment amount. Just compare it with your monthly income, and you will know whether it is suitable for you. (Liu Zhifeng)

Question 4: What's the difference between total monthly income and average monthly income? The total monthly income is written as the highest monthly income, and the annual income is naturally calculated as the highest; The average monthly income is the average monthly income, and there is no such thing as a good loan.

My humble opinion may not be correct,

Question 5: How many banks can lend housing loans monthly? After the cancellation of housing distribution in kind, more and more people turn their attention to personal loans to buy a house, and many low-and middle-income people are also wondering whether their wages can afford loans to buy a house.

In the end, how much monthly income can I borrow to buy a house? This problem is determined by many factors. Such as geographical location, housing area, price per square meter, down payment ability and so on. But what ultimately determines is your monthly income. At present, banks generally know that the monthly repayment amount is in principle 65% to 15% of the monthly income of individuals or families (husband and wife can apply for loans together).

In other words, individuals or families can only pay off 65% of their income every month to repay bank loans, while the remaining 35% should ensure that individuals or families can maintain a normal life. At the same time, individuals should also consider what necessary expenses they have every month, such as the support of the elderly and the education of children. Repayment method: If the loan term is within one year (including one year), the principal and interest will be repaid once when the loan expires, and the interest will be paid with the principal; If the loan term is more than one year, there are three repayment methods: ① equal monthly repayment of principal and interest, ② equal repayment, and ③ equal incremental repayment. At present, banks basically adopt the method of equal monthly repayment of principal and interest, that is, from the first repayment to the last repayment, the monthly repayment amount is equal. (In case of legal interest rate adjustment, the new interest rate regulations will be implemented according to the corresponding interest rate grades from the beginning of next year).

For example, you are going to buy a house with an area of 80 square meters and a price of about 4,000 yuan per square meter. The total house price is about 320,000. Applying for a commercial loan requires a down payment of 20%, that is, 64,000 yuan, and the remaining 256,000 yuan. The bank stipulates that the loan can only be an integer multiple of 654.38+00000, so the loan can only be 250000 at most. If you borrow 250,000 yuan for 20 years, and the monthly repayment amount is 173 1 yuan, then your monthly income must reach 2663 yuan. If the husband and wife apply together, the monthly income must also exceed 2663 yuan. Those who apply for provident fund loans must be the depositors of the provident fund. You only need to pay 10% of the total house price as a down payment. The maximum loan amount is 390,000 yuan and the longest time is 30 years. The interest rate is about one percentage point lower than that of commercial loans. The following is the monthly repayment amount of each loan 10000 yuan. According to the amount and term of personal loan preparation, multiply it by the corresponding monthly repayment amount in the form, which is your monthly repayment amount, and then compare it with your monthly income to know whether it is suitable for you.

Question 6: What is the relationship between the amount of housing loan application and income? As long as you have a down payment and can afford the monthly payment, there is basically no problem. Need to prepare: proof of income (can be faked), social security list, no marriage registration certificate (marriage certificate), household registration book, ID card, bank running water (can be faked). You'd better find an intermediary company to help you operate.

Question 7: What is the average monthly balance? Add up the daily balance in a month and divide it by the number of days in that month, which is equal to the monthly average balance. You can deposit 10000 yuan today and take it out tomorrow.

Question 8: Banks need to issue income certificates to handle personal loans. What does "after-tax monthly income" mean, the actual monthly amount? 10, the income certificate of personal loan issued by the bank is a standard legal text, which looks at the approximate value, and the details are not very important. The average monthly income after tax does not include five insurances and one gold.

Question 9: mortgage to buy a house, is the daily account of the bank based on income, expenditure or average balance? Thank you. The bank's running account for mortgage purchase is calculated according to the monthly income level. In general, banks require lenders to print out the bank's running accounts for the last 3-6 months, in fact, in order to calculate the lender's monthly income ability, rather than taking the income of a specific month as the standard.

Question 10: What does "average monthly salary" mean in the calculation method of housing provident fund loan amount? Is it total monthly salary or actual monthly salary? It should be the sum of your annual salary divided by 12.

How much monthly income is suitable for car loan?

For people who don't have enough spare money but want to buy a car, a loan is a good choice. In addition to the down payment and monthly payment, the car loan also includes the fuel cost, insurance premium and daily living expenses after the car purchase, which means that the personal monthly income of the car buyer is at least 6,000 yuan. Monthly repayment amount of car loan: the down payment of 30% mortgage is calculated according to the car price of 65,438+10,000 yuan, and the monthly repayment amount of normal mortgage of 30,000 yuan is about 2,700 yuan. But now some banks can apply for some credit cards to buy cars in installments, usually 1-2 years. Therefore, if the funds are sufficient and the monthly repayment amount is not a problem, it is recommended to buy it like this. If it is a three-year loan of 6,543,800 yuan, the monthly repayment amount is about 654.38+ 0.650-2,000 yuan. In fact, installment payment and loan have their own advantages. How to suit yourself is up to you to judge according to the actual situation.

How much is the monthly loan for house purchase better than the income?

1. What is the appropriate ratio of mortgage to income?

1, 30% is the comfort line.

If the buyers have a stable income and are married and have children, it is most appropriate to set the monthly payment at about 30% of the family's monthly income. Because the proportion of monthly payment to family income is appropriately reduced, the daily expenses of the family and the education expenses of children can be well guaranteed.

If the monthly repayment amount of various loans of house buyers exceeds 1/3 of the monthly income, the repayment person will be under great pressure and even unable to pay the normal family expenses and children's education expenses, thus affecting the quality of life.

2,50% is the warning line.

Under normal circumstances, in order to ensure their own risks, the lending bank will limit the loan amount according to the borrower's income, requiring the borrower's monthly payment not to exceed 50% of the monthly income. This 50% is a high warning line for borrowers.

If the buyer has a stable job and is unmarried or married but has not given birth, then the monthly mortgage repayment can account for a relatively high proportion of family income, reaching 40%-45%. Because at this time, in fact, the repayment person needs less capital expenditure, the family burden is also small, the expenditure in other aspects of life is also relatively small, and the individual is young.

Second, what factors should be paid attention to when buying a house with a loan?

1, understand the housing and credit policies of this city.

Before buying a house with a loan, you must first understand the purchase policy and credit policy of the city where you live, such as the qualification for buying a house and the down payment ratio. These are all buyers need to know.

2. Make financial planning before buying a house.

After understanding the policies and housing prices, buyers will make detailed financial planning according to their own economic conditions. For example, the proportion of monthly mortgage income is reasonable for your own income. If the house still needs to be renovated, you need to set aside renovation expenses.

3. Choose the repayment method that suits you.

After determining the loan to buy a house, buyers must choose the repayment method that suits them in advance. Now there are generally two repayment methods for buying a house by loan: equal principal and interest repayment and equal principal repayment.

The repayment amount of equal principal and interest is fixed every month, so it is more suitable for families with normal consumption plans, especially young people. Because of the limitation of economic conditions, it is generally not allowed to invest too much in the early stage, so it is better to choose this method.

The average capital is more suitable for lenders with strong repayment ability some time ago, such as those with long working hours. Average capital can save more interest than equal principal and interest. But buyers still need to choose according to their own needs.

3. What are the hazards of mortgage default?

1, credit impact

The so-called breach of contract refers to the borrower's failure to repay within the prescribed time limit, that is, overdue repayment. The same is true of loans. Once the lender fails to repay the loan in time, it is overdue. If you don't repay for many months, it will affect your credit history, and it will be difficult to apply for a credit card or loan in the future.

2. Penalty interest

If the borrower fails to repay the loan on time, he will face penalty interest in addition to making up the money. If the borrower signs a loan contract when handling the loan, if the property owner fails to repay the monthly loan on time, according to the provisions in the loan contract, penalty interest will be incurred.

Step 3 affect reputation

If the property buyers still fail to repay their debts for many times in a row, the bank staff may come to their homes or go directly to their units to make dunning, so as to let neighbors and colleagues know that you fail to repay your debts, which will indirectly affect your personal reputation.

4. Real estate auction

In case of default, the general bank will give the property owner a grace period of six months, but if the mortgage is not repaid for more than six months in a row, the bank will apply for auction of the house, and the proceeds from the auction will be used to repay the bank's loan and the penalty interest.

Buying a house by group purchase is more favorable.

on sale

Reference price: the price is to be determined.

Property address: 1. Shuttle to 1 free.

Property Tel: 400-8 19-6590 to 0627.

26,000 yuan a month. How much is the monthly mortgage?

52 thousand yuan.

According to relevant information, the monthly income is at least twice that of the monthly payment, and the monthly payment of 26,000 needs 52,000.

Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.

If the monthly payment is 4000 yuan, how much monthly income do you need?

Some netizens left a message and borrowed money to buy a house. The monthly mortgage payment is 4000 yuan, so what is the required monthly income?

Some netizens proposed a full payment of 990,000 yuan, a down payment of 300,000 yuan, a loan of 690,000 yuan and a monthly commercial loan of 4,500 yuan. What is the income certificate of the total family income?

If you want to get a loan, your salary income must be twice the loan amount and expenditure. For example, if the monthly payment is 4,000 yuan and the expenditure is 1000 yuan, the monthly income of customers will reach 10000 yuan. If it is inconvenient to provide proof of salary, you can also get proof of assets, that is, the bank deposit is 70% of the transaction price of the house, and the down payment is included in this 70%, which means you can provide proof of assets of 40%.

How much income does a bank mortgage need?

Under normal circumstances, if you apply for a bank mortgage, your income should be at least twice the monthly repayment amount. For example, if a customer applies for a mortgage and needs to pay back 5,000 yuan every month, then the income of this customer should be at least 10000 yuan/month. If the customer has other outstanding foreign debts, the bank will increase the requirements for the flow of customer income according to the regulations.

Banks are strict in the review of mortgage loans, and generally pay more attention to the following points of customers:

1, customer's credit.

2. Customer's income is mobile.

3. Customer debt ratio.

4. The age of the customer.

5. Did the customer pay the down payment as required?

If the customer's above qualifications meet the requirements, then you can apply for a mortgage from the bank. Of course, whether you can successfully apply for a loan depends on the comprehensive qualification of the customer.

In order to improve the success rate of bank mortgage as much as possible, customers can pay off other foreign debts before borrowing, or improve their income level. Don't apply for a mortgage unprepared to avoid being rejected by the bank.

This is the end of the introduction about the monthly loan income and how to calculate the monthly loan income. I wonder if you have found the information you need?