The question you asked is too broad for one person to explain clearly. I posted the answers to similar questions I asked not long ago for your reference:
"This should be divided into several situations: for example, is it a suite? Is it within 90 square meters? Does it meet the local purchase restriction conditions? Is it a provident fund loan or a commercial loan? Or a portfolio loan? Does your income repayment ratio exceed 50%? What kind of repayment method is adopted? These all affect whether you can borrow money, how much you can borrow, and what interest rate is applicable. You didn't ask these questions? Now suppose you meet the first set of conditions of 90 square meters, the repayment ratio of income meets the requirements of the bank, and the bank has no other charges. The repayment method is equal monthly principal and interest, and the total interest payable is as follows: provident fund (annual interest rate of 4.7%): monthly repayment 1737.44 yuan, total interest payable 146985.62 yuan;
Commercial loan (annual interest rate is 6.8%): the monthly repayment is 206 1.02 yuan, and the total interest is 224,644.16 yuan. "
2. How much do you need to repay the loan of 300,000 yuan every month?
At present, the annual interest rate of the loan for 1-3 years (including 3 years) announced by the People's Bank of China is 4.75%. According to the trial calculation of benchmark interest rate, the repayment amount of principal and interest in the same way is 8957.63 yuan, and the average repayment amount in the first month is 9520.83 yuan (for reference only).
3. How much is the monthly mortgage loan of 400,000 yuan in 30 years?
The mortgage is 400 thousand, 30 years. If commercial loans are used, the annual interest rate is 4.9%, and the monthly payment is 2 122.95438+0 yuan. With the average capital method, the first month needs to pay 2744.44 yuan, the second month needs to pay 2739.95438+0 yuan, and the last month only needs to pay 1 15.65 yuan.
4. How much do you need to repay the loan of 300,000 yuan every month?
At present, the annual interest rate of the loan for 1-3 years (including 3 years) announced by the People's Bank of China is 4.75%. According to the benchmark interest rate, with the interest rate unchanged, the monthly repayment amount is 8957.63 yuan, and the first month repayment amount is 9520.83 yuan (for reference only), and the monthly repayment amount decreases month by month.