If you plan to buy a 35,000-square-meter local shopping mall with a total down payment of 350,000,175,000 and175,000, how much will you have to pay back every month? Help me calculate various loans. Thank you! /kloc-you can pay it back in 0/0 years! The loan interest rate of shops is more than 65,438+00% higher than the benchmark interest rate. On the basis of an increase of 65,438+00%, the interest rate of 7.205% is 2,050.44, and the interest is 765,438+0,000.
Second, how to calculate the store mortgage
For shops, the general interest rate will go up 10%.
In addition, the mortgage of most shops can only be 10 years. How did you get this 15 year? 15 is your own will or the bank's permission?
I'll calculate it for you at 10 and 15.
Matching repayment method of principal and interest: 250,000 yuan, 15, with annual interest rate floating 10%.
The actual monthly interest rate is 5.445‰
Monthly repayment: 265,438+082.44
The total repayment amount is 392,800 yuan.
The interest is 142800 yuan.
Average repayment method: 250,000 yuan, 65,438+05 yuan, with annual interest rate rising by 65,438+00%.
The actual monthly interest rate is 5.445‰
The repayment in the first month is 2750. 14, with a monthly decrease of 7.56.
The total repayment amount is 373,200 yuan.
The interest is 123200 yuan.
Matching repayment method of principal and interest: 250,000 yuan, 10, with annual interest rate floating 10%.
The actual monthly interest rate is 5.445‰
Monthly repayment is 2843.03
The total repayment amount is 3401.2 million yuan.
The interest is 9 1.2 million yuan.
Average repayment method: 250,000 yuan, 10, and the annual interest rate rises 10%.
The actual monthly interest rate is 5.445‰
The repayment in the first month is 3444.58 yuan, with a monthly decrease of 1 1.34.
The total repayment amount is 332,400 yuan.
The interest is 82400 yuan.
I hope I can help you! The answer comes from: Baidu real estate exchange group, so stay tuned!
3. How to calculate the loan interest rate of shops?
Shops generally do not enjoy bank loan interest concessions, nor can they use provident fund loans. The down payment needs more than 50%, and the interest rate will generally rise above 10%. This mainly depends on the policies of various banks, which is uncertain. That is to say, pay more down payment and interest than ordinary houses. If someone else's annual interest rate is 5%, if it goes up by 10%, your interest will be 5.5%.
Shops mortgage refers to the short-term loan business provided by banks to meet their production, operation, investment or consumption needs, with commercial premises legally owned by borrowers or third parties as mortgage guarantee. The mortgagor shall be the legal owner and authorized disposer of the mortgaged store, including enterprises of various ownership, individual industrial and commercial households and natural persons with full civil capacity registered according to law.
4. How to calculate the loan of 800,000 yuan for the store10.6 million?
Interest is related to interest rate. The bank loan interest rate is comprehensively evaluated according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policies. Storefront rooms should have a 10% interest rate increase. Shops mortgage loans must be down payment of 50%, and the interest rate is 10%. The so-called 50% is calculated according to the value of the store that the user wants to buy. Shops can only apply for commercial loans, and cannot enjoy the preferential treatment of provident fund loans.