What is the total loan for ten years 1 10,000? The mortgage of 65,438+0,000,000 yuan has to be repaid in total, ranging from 270,000 to 500,000 yuan, because the interest rate of the bank is about 2.75% to 5%. Of course, the longer the loan term, the more interest will be paid. Divide the principal plus interest by the number of years of the loan and you can get the monthly payment. If you use provident fund loans, the normal interest rate is about 2.75% to 3.8%, and the balance of provident fund can also be used to hedge the monthly payment. If it is a normal commercial loan, it is about 3.8% to 5%, and the interest rate is relatively high, but the loan amount is relatively high and the lending speed is relatively fast.
What happens when the mortgage is overdue for one day? If the mortgage is overdue by one day, you may receive a phone call from the bank, and the bank staff will ask the lender to make up the loan amount in time. Of course, if the overdue time is particularly long than three days, it will generally affect the credit investigation. Serious banks will also sue lenders. If the lender is unable to repay, the house may be taken away by the court and awarded to the bank, and the bank will return the proceeds from the house auction to the bank.
The above is the annual interest of 654.38+0 million mortgage, which is not a big problem. The annual interest is about 27,500 yuan, and the specific loan interest is determined according to the loan interest rate.