Laxative mortgage repayment is a fixed day repayment, usually on the 20th of each month. Here's a problem. The lending time is uncertain, and the interest period of the first month is not necessarily the whole month, so the interest of the first and second months of mortgage is calculated according to the actual number of days.

According to the interest rate of Agricultural Bank of China and the amount of your loan, we can calculate that the interest for the first month is 400,000× 0.0040833 =1.633.32 yuan, and the daily interest is 1.633.32÷30 = 54.44 yuan. Your repayment amount in the first month is 26 17.78 yuan, and the actual deduction amount is.

Second, how long does it take for the Agricultural Bank to mortgage?

Repay according to the repayment date recorded in the loan contract when handling the loan. Overdue repayment is regarded as overdue and will be submitted to PBOC system.

3. How long does the second-hand housing loan of ABC generally take?

1. How long is the mortgage loan for second-hand houses?

Generally, it takes about 20 working days to buy a house loan, because it has to go through the processes of loan application, bank investigation, bank audit, bank approval, contract signing, mortgage (pledge) registration, loan issuance and loan issuance. Housing loan process

1. Information about the application. Identity card and residence booklet of this Municipality; In addition to their ID cards and household registration books, non-residents of this city also need to provide household registration certificates or temporary residence permits provided by the household registration management department of their original place of residence. Minor residents need to provide birth certificates.

2. After accepting the loan application before the loan, the handling bank will conduct a real investigation on the completeness, authenticity, validity and legality of the application form and the required materials submitted by the loan applicant. Through the pre-loan investigation, the bank prepares for the examination and approval of applicants who are considered to meet the loan conditions.

3. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for property insurance to prevent loan risks.

4. Sign a loan contract after investigation and approval. After the bank completes the registration notarization procedure, it informs the applicant to take the contract and sign the housing mortgage loan contract.

5. The buyer and the seller should handle the property right transfer to the Housing Authority. Information provided: ID cards of buyers and sellers, real estate licenses, deed tax certificates, and commercial housing sales contracts issued by the Housing Authority. If the area exceeds 200 square meters, it is necessary to provide a transaction evaluation report and copy the information.

6. After the transfer of house property rights is completed, the bank will handle the mortgage and get his other warrants 7 days after the mortgage.

7. Apply for the core property certificate, the bank will take back his right certificate and the bank will lend money. After the bank lends money, it needs to provide the borrower's deed tax certificate and a copy of the real estate sales contract to the bank, and the intermediary agency also needs to stamp the official seal on the second-hand house mortgage transfer confirmation.

Second, what are the conditions for applying for a mortgage?

1, must have a permanent residence in the town or a valid residence status;

2, must have a stable occupation and income, good credit, the ability to repay the loan principal and interest on schedule;

3. There are assets recognized by banking institutions as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors, who can repay the loan principal and interest and bear joint and several liabilities;

4. If there is a purchase contract or agreement, the price of the purchased house basically conforms to the evaluation value of the real estate appraisal agency entrusted by the bank or the bank;

5. Meet other conditions stipulated by the bank.

The time of second-hand housing loan is determined by the bank according to the actual situation of the parties, and it is also possible to ask the loan applicant to provide supplementary materials in the process. It won't take long for a general loan to get the warrant, and the specific lending time of the bank needs the parties themselves to inquire.

Fourth, how long will the Agricultural Bank loan last?

The time for housing loan approval is mainly based on the comprehensive analysis and approval of various factors such as region, purchased house, customer grade and credit score. , and keep in touch with the loan bank at any time, and put forward suggestions on loan progress.