Question 1: What is the mortgage coefficient? How to calculate? The so-called mortgage coefficient refers to the monthly repayment amount of every ten thousand yuan under a certain interest rate level and period. Based on the current benchmark interest rate of 7.05% and the loan term of 65,438+00 years, the mortgage coefficient is:

100007.05%/ 12 ( 17.05%/ 12) 120/[( 17.05%/ 12) 65438+

Description: 120 is 120 times.

Question 2: What does the loan time coefficient mean? The repayment ability coefficient is used to calculate the repayment ability of the lender. It is the ratio of the loan principal to the lender's income in the current month. For example, if the coefficient is 0.4 and the monthly income is 4,000 yuan, you should only be able to repay the monthly loan principal 1.600 yuan.

(The loan term is 1- 10 years, the repayment ability coefficient is 0.35, and the 1 1-20 years coefficient is 0.40).

Question 3: What is the coefficient of provident fund loans? You can't do that. If you want to buy a mansion of100000, can't you get a loan of 654.5W? Ha ha. So you haven't figured out how to borrow the provident fund.

Provident fund is to calculate the annual amount according to the amount you pay each month, and then you can work for several years to calculate the total. Then lend according to this figure. There is an upper limit on the loan amount, and each city is different. It seems to be 200W in Beijing. Of course, Beijing's housing provident fund base is also high, with small cities paying 600 in January and Beijing's high 6600. That year is 660,065,438+02 = 79,200, 7.29 W. If you still have 20 years to retire, it is 7.2920 = 65,438+045.8 W, so you can borrow so much.

Both husband and wife can accumulate loans, but they cannot exceed the local maximum loan amount. Generally, it will not exceed.

Question 4: Monthly mortgage amount = loan amount x repayment coefficient. How is this coefficient calculated? The coefficient table has no standard format. Generally, the coefficient table used by banks uses 1 1,000 yuan as the coefficient to calculate the repayment amount in each period, so this table generally has hundreds of coefficients and it is impossible to recite them. You can go to the nearby bank to see if there is one and make a copy for you.

For example, if the loan amount is 500,000 yuan, 15 equal principal and interest, and the benchmark interest rate, the corresponding repayment coefficient is 87.39, then the monthly payment is 5087.3 yuan = 4369.5 yuan.

Question 5: How is the commercial loan coefficient calculated? Generally, based on 1 1,000 yuan, the corresponding monthly loan amount under different loan years is calculated respectively.

Then make a table.

In the specific calculation, you only need to multiply the loan amount by the coefficient under the corresponding years, and you can calculate the monthly payment.

The fixed-term benchmark interest rate is lowered by 15%, lowered by 30% and raised by 10%.

1857.9 1854.20850.49860.39

2440.5 1436.88433.27442.94

330 1.5 1297.87294.26303.95

4233.75229.82225.93236.39

5 192.2 1 188.24 184.3 1 194.89

6 165.45 16 1.28 157. 17 168.26

7 145.80 14 1.57 137.42 148.66

8 13 1. 12 126.83 122.63 134.03

9 1 19.76 1 15.4 1 1 1 1. 15 122.72

10 1 10.72 106.3 1 102.00 1 13.72

1 1 103.3698.8994.53 106.4 1

1297.2792.7488.32 100.37

1392. 1687.5683.0995.30

1487.8083. 1478.6290.99

1584.0679.3374.7687.30

1680.8276.037 1.4084. 10

1777.9873. 1368.458 1.30

1875.4870.5765.8478.85

1973.2768.3063.5 176.68

207 1.3066.276 1.4374.76

This is a repayment calculation table, corresponding to different interest rate discounts and loans with different years.

I hope I can help you!

The answer comes from: Baidu real estate exchange group, commercial finance knowledgeable person.

Stay tuned!

Question 6: What is the repayment ability coefficient and how to calculate it? Current ratio, current assets/current liabilities

Question 7: What does bank mortgage mean? 1. What is a mortgage?

It refers to the loan business in which an individual borrows money from a bank to pay the balance after paying the down payment due to insufficient funds, and repays the principal and interest in equal installments as agreed.

Second, how to calculate the monthly debt service?

i( 1i)ni( 1i)n

The formula: m = p (1I) n-1(1I) n-1is the periodic coefficient of n.

M total monthly principal and interest p loan principal I monthly interest n repayment period = loan life x 65438+February/year.

3. What is the repayment coefficient table of individual housing loan of China Construction Bank (2002/02/2 1)?

Set age

Annual interest rate (%)

Monthly interest rate (%)

Number of repayment periods

coefficient

1 year

4.770

3.975

12

0.085502 1 18

It's been two years.

4.770

3.975

24

0.043768458

three years

4.770

3.975

36

0.02986774 1

Ichiji

4.770

3.975

48

0.02292525 1

five years

4.770

3.975

60

0.0 18766042

Six years

5.040

4.200

Seventy two

0.0 16 123494

Seven years.

5.040

4.200

84

0.0 14 1527 12

For eight years.

5.040

4.200

96

0.0 12678972

Nine years.

5.040

4.200

108

0.0 1 1536579

decade

5.040

4.200

120

0.0 10626 1 14

Eleven years.

5.040

4.200

132

0.009884309

Twelve years

5.040

4.200

144

0.009268983

Thirteen years

5.040

4.200

156

0.008750934

Fourteen years

5.040

4.200

168

0.008309302

Fifteen years

5.040

4.200

180

0.007928789

4. Can the mortgaged property be transferred or rented?

The mortgagee of the mortgaged property is the loan bank, and the borrower has no right to transfer, buy, sell, lease, donate or remortgage the mortgaged property. The borrower must pay off the loan principal and interest and cancel the mortgage registration before transferring or purchasing the property; Lease or re-mortgage shall be subject to the consent of the mortgagee; At the time of gift or inheritance, the donee or heir shall go through the alteration formalities with relevant legal documents within 30 days after accepting the property, and is willing to continue to perform the repayment obligations.

5. Can the borrower repay the loan in advance?

You can pay off all the loan principal and interest in advance, or you can return part of the loan principal and interest in advance.

Six, how to cancel the mortgage registration after paying off the loan principal and interest?

After the borrower pays off the loan principal and interest at maturity or in advance, the loan relationship with the bank is terminated, and the real estate mortgage relationship is terminated. The loan bank will return the relevant warrants and certificates of mortgaged real estate to the mortgagor within 30 days, and issue a certificate to the mortgagor to go through the mortgage registration cancellation procedures with the registration authority.

7. What conditions and materials are needed for bank mortgage? How much do you have to pay?

I. Conditions:

1. Legal residence status.

2. Have a stable occupation and income.

3. Have the ability to repay the loan principal and interest on schedule.

4. Have a house to live in ......

Question 8: What does the royalty coefficient mean? The royalty coefficient is generally based on the determination of the basic proportion, and then another proportion is given. For example, financing incentives, assuming that the amount of new financing this year is 0. 1%, the coefficient is 1 if short-term bank loans are added, and the coefficient is 2 if project loans are added. In this case, the commission ratio of the new project loan is actually 0. 1%, and the coefficient is 2=0.2%. To the effect that.

Question 9: The higher the loan coefficient, the lower the interest rate. The better the personal qualification, the higher the amount and the lower the interest rate.

Question 10: What is the credit coefficient? Housing provident fund loan amount accounting 50 points housing provident fund loan amount linked to the account balance. At present, the maximum multiple has been relaxed from 15 to 40. The loan amount is 200,000 yuan (excluding the supplementary provident fund loan amount), and there must be at least 5,000 yuan in the housing provident fund account. In addition, the borrower must continuously deposit the housing provident fund for 6 months before applying for a loan. Specifically: (1) The loan amount cannot exceed the maximum amount of a single housing provident fund loan. (2) The specific loan amount and term must meet the requirements of single maximum loan amount, maximum loanable loan amount and minimum down payment.

The loan amount of housing provident fund is calculated as follows: (1) The loan amount of housing provident fund is calculated according to the repayment ability: [(the total monthly salary of the borrower or husband and wife, the monthly contribution of the housing provident fund of the borrower or husband and wife) ×× repayment ability coefficient-the monthly repayment amount of the existing loan of the borrower or husband and wife ]× 12 (month )× loan period. Among them, the repayment ability coefficient is 40%, and the monthly repayment amount of the existing loan is the monthly repayment amount of the loan in the personal credit report of the borrower or husband and wife. Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of individual contribution).

⑵ The formula for calculating the loan amount of housing provident fund according to the house price is: loan amount = house price × loan ratio, in which the loan ratio is determined according to the different types of houses purchased, the loan amount with a construction area of more than 90 square meters does not exceed 70% of the house price purchased, and the loan amount with a construction area of less than 90 square meters (inclusive) does not exceed 80% of the house price purchased; Purchase of private housing, targeted sales of affordable housing, fund-raising for building, public existing housing, construction, renovation and overhaul of self-owned housing, the loan amount shall not exceed 70% of the housing purchase price (housing evaluation value) or the cost of housing construction, renovation and overhaul.

(3) According to the maximum loan amount, the maximum loan amount of housing provident fund is 400,000. (4) The loan limit determined according to the multiple of the storage balance of the housing provident fund account shall not be higher than the loan limit determined according to the 20 times of the storage balance of the housing provident fund account of the borrower or husband and wife. If the balance of the housing provident fund account of the borrower or husband and wife is less than 6,543.8+0,000 yuan, it shall be calculated as 6,543.8+0,000 yuan.

Monthly mortgage amount of house = loan amount x repayment coefficient. How is this coefficient calculated?

The repayment coefficient is used to calculate the repayment ability of the lender.

It is the ratio of the loan principal to the lender's income in the current month. For example, if the coefficient is 0.4 and the monthly income is 4,000 yuan, you should only be able to repay the monthly loan principal 1.600 yuan.

(The loan term is 1- 10 years, the repayment ability coefficient is 0.35, and the 1 1-20 years coefficient is 0.40).

Average capital repayment method:

Monthly repayment amount = loan amount ÷ loan months loan balance × monthly interest rate

Matching principal and interest repayment method:

Monthly repayment amount = a [I (1I) n]/[(1I) n-1]

Note: a loan principal I loan monthly interest rate n loan monthly power

Loan principal × monthly interest rate ×( 1 monthly interest rate )× total repayment periods

It is better to control the monthly supply coefficient of the loan to buy a house.

Monthly supply capacity

If you buy a house with a loan, the monthly payment should be controlled at about 30% of your monthly income, because not only the increase in loan interest rate, but also the decline in income should be considered. In addition, the loan to buy a house, it is best to set aside a year's mortgage.

Solvency coefficient

The repayment ability coefficient is used to calculate the repayment ability of the lender. It is the ratio of the loan principal to the lender's income in the current month. The repayment ability coefficient can prevent the risk that the monthly repayment amount accounts for too high a proportion of family income and cannot repay the mortgage. If you want to know your repayment ability, you must know the repayment ability coefficient.

Calculation of repayment ability coefficient of mortgage loan;

For example, if the coefficient is 0.4 and the monthly income is 8,000 yuan, the monthly repayment can be 3,200 yuan.

If the coefficient is 0.5, the monthly income is 8,000 yuan, and the monthly repayment can be 4,000 yuan.

Personal repayment ability coefficient is related to personal monthly income, job nature, family property and credit information. The higher the personal income, the more stable the job, the more family property and the better the credit information. Then his repayment ability coefficient will be even greater. On the contrary, it will become smaller.

What is the repayment ability coefficient of commercial loans?

The average commercial loan is 0.5. If you marry your wife and your monthly income is 1000 yuan/month, then your monthly repayment ability is 5,000 yuan, and you can get a loan with a monthly repayment of 5,000 yuan.

What is the repayment ability coefficient of provident fund loans?

The repayment ability coefficient of provident fund is determined according to the loan term, which is 35% within ten years (including ten years), 40% within ten to twenty years (including twenty years) and 45% within twenty to thirty years.

Different cities have different provisions on the repayment ability coefficient of provident fund. The repayment ability coefficient of Tianjin is 35% within ten years (including ten years), 40% within ten to twenty years (including twenty years) and 45% within twenty to thirty years. The solvency coefficient of Dalian is 0.35, and that of Kunming and Shanghai is 0.4.

Note: Repayment ability refers to the maximum loan amount that you can apply to the bank with such repayment ability. However, besides knowing the monthly repayment amount, we also need to know the repayment ability, and finally determine the appropriate monthly repayment amount through comprehensive evaluation. shzyqiyu88

What is the repayment coefficient?

The repayment coefficient, that is, the repayment ability coefficient, is used to calculate the repayment ability of the lender, that is, the ratio of the loan principal to the lender's income in the current month. If this coefficient is set, the risk of repayment failure can be reduced.

I. Examples

The repayment coefficient is usually used to calculate the "monthly mortgage payment". Real estate agents or banks will generally make a "repayment coefficient table" according to the latest interest rate. It is the ratio of "monthly repayment amount" to "loan principal", and the general loan principal is in units of ten thousand. If the "repayment coefficient" is 184. 17, that is, the loan is 1 ten thousand yuan, and the monthly repayment is 184 17 yuan. Some people may confuse "repayment coefficient" with "repayment ability coefficient", and major websites often have wrong definitions. The latter is actually used to measure the repayment ability of "lenders".

If the repayment ability coefficient is 0.4 and the monthly income is 4,000 yuan, you should only be able to repay the monthly loan principal and interest 1.600 yuan.

Second, the role

Formulating the repayment ability coefficient can limit the risk that some borrowers are unable to repay overdue loans because the monthly repayment amount accounts for a high proportion of family income.

Third, the calculation method of repayment ability coefficient

The definition of repayment ability coefficient has been mentioned before, and the repayment ability coefficient can be calculated according to the loan principal and the income of the current month. So how does the bank evaluate its repayment ability?

When applying for a loan, the essence is to see how your repayment ability is. If the repayment ability is better, banks will like it more and it will be easier to borrow money. So what kind of repayment ability is recognized? How do banks evaluate repayment ability?

1, income certificate

Running water in the bank, running water is the easiest way to directly see your true ability, such as running water in salary and year-end dividend, which can reflect your repayment ability.

2. Proof of assets

In addition to the bank's losses, asset certificates are also an important basis for evaluation, such as social security card provident fund, deposit wealth management products, or insurance. If it is better to have a property and a car, this is an auxiliary proof of repayment ability.

3. Debt

Debt is also an important factor in bank evaluation. If your expenditure is far greater than your income, your debt is high. In this case, if you apply for a bank loan again, the bank will not recognize your good repayment ability and the loan may be rejected.

4. Comprehensive evaluation method

How to understand this? It's actually very simple. The nature of your work and family situation can be a part of testing your repayment ability. Similarly, it is definitely easier to apply for a loan. It is certainly easier for civil servants to apply for loans than ordinary working-class people. It is certainly easier for married people to apply for loans than for single people. It is also easier to apply for a loan.

What is the monthly contribution coefficient of 10,000 yuan?

1. The analysis is as follows: monthly loan payment 1 000 yuan: monthly loan payment = 1 000 yuan monthly interest rate (1 monthly interest rate) loan months /[( 1 monthly interest rate) loan months-/kloc- Monthly repayment amount corresponding to the loan life of a loan of 10,000 yuan. 2. yuègòng refers to the monthly repayment amount that the lender should pay to the lending bank during the repayment period, including the principal and corresponding interest, when purchasing commercial houses and motor vehicles by bank mortgage. At present, the repayment methods of mortgage loans in China are: one-time repayment with a loan term of 1 year, equal repayment or equal principal repayment with a loan term exceeding 1 year. Under the equal repayment method, the monthly repayment amount is the same, but the principal part increases month by month and the interest part decreases month by month. During the repayment period, the total interest expense paid is higher than the repayment method in average capital. Under the repayment method of average capital, the monthly repayment amount decreases month by month, in which the principal part remains unchanged and the interest part decreases month by month. The total amount of interest paid during the repayment period is lower than that of the equal repayment method, but the amount of repayment in the early stage (including principal and interest) is higher than that of the equal repayment method.

How to calculate the monthly loan for buying a house?

There are two ways to calculate the monthly payment for buying a house, but it should be determined according to the specific bank:

Matching principal and interest repayment method:

Monthly loan amount = [loan principal × monthly interest rate ×( 1 interest rate )× repayment months ]=[( 1 interest rate )× repayment months]

Monthly interest payable = loan principal × monthly interest rate × [( 1 interest rate )× repayment months -( 1 interest rate) ÷ [( 1 interest rate )× repayment months-1]

Monthly repayment principal = loan principal × monthly interest rate ×(65438+ 10 interest rate) (repayment month serial number-1)÷[(65438+ 10 interest rate) repayment months-1]

Total interest = repayment months × monthly repayment amount-loan principal

Average capital repayment method:

Monthly loan amount = (loan principal ÷ repayment months) (loan principal-accumulated repaid principal) × monthly interest rate.

Monthly repayable principal = loan principal ÷ repayment months

Monthly interest payable = residual principal × monthly interest rate = (loan principal-accumulated principal repayment) × monthly interest rate

Monthly decreasing amount = monthly repayable principal × monthly interest rate = loan principal ÷ repayment months × monthly interest rate.

Total interest = [(total loan amount ÷ repayment months × monthly interest rate) total loan amount ÷ repayment months × (1 monthly interest rate)] ÷ 2× repayment months-total loan amount.

Extended data:

Information required to apply for mortgage loan:

The borrower's valid identity card and household registration book.

Proof of marital status, unmarried people need to provide proof of unmarried, and divorced people need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce).

If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate.

The borrower's income certificate (salary income certificate or tax payment certificate for half a year in a row).

Real estate title certificate.

Guarantor (ID card, household registration book, marriage certificate, etc.). Is required).