Who knows about the problem of buying a house and repaying the loan? Buying a house, repaying the lo

1. Equal principal repayment method:

Let the loan amount be a, the monthly interest rate is i, the annual interest rate is i, and the number of repayment months is n, and the remaining principal of the loan in the nth month of an is a1=a, a2=a-a n, a3=a-2*a n....And so on.

The sum of the repayment interest is y

Monthly principal payable: a n

Monthly interest payable: an*i

Repayment in each instalment a n + an*i

Pay interest y=(n+1)*a*i 2

Total repayment = (n+1)*a*i 2+a

2. Equal principal and interest repayment method:

Let the loan amount be A, the monthly interest rate is i, the annual interest rate is i, the number of repayment months is n, the monthly repayment amount is B, and the total repayment interest is Y

1：i＝12×i

2：y＝n×b－a

3: The interest on the first month's repayment is: a i

The interest on the second month is: a (b a i) i (a i b) (1 i) to the power b

The interest on the third month is: {a (b a i) b (a i b) (1 i) to the power b } i (a i b) (1 i) to the power b

The interest on the fourth month is: (a i b) (1 i) to the power of 3 b

The interest on the nth month is: (a i b) (n 1) of (1 i) b

The sum of the above is: y (a i b) 1 i n b) to the nth power of y(a, i b) 1 i).

4: The above two y-values are equal.

Average monthly repayment b a i (1 i) to the nth power (1

i) to the nth power 1

Pay interest y n a i (1 i) to the nth power (1 i) to the nth power (1 i) to the nth power 1 a

Total repayment n a i (1 i) to the nth power (1 i) to the nth power (1 i) to the nth power 1

The first one is simple, and the second one must be considered to reduce the interest that needs to be deducted when repaying the previous month, otherwise you won't understand the principle.

The current interest rate is not what you said. The benchmark annual interest rate is 30% lower than the first set, 10,000 yuan of equal principal and interest for 10 years, and 102 per month. The amount of the equal amount is not the same every month, I can't figure it out.

The down payment of the housing provident fund loan is relatively low, it should be 30%, and the loan is 70%, but this depends on your personal provident fund payment, and the loan amount is different. At present, the base annual interest rate implemented by the provident fund is a loan term of more than 5 years.

1. The seven-percent discount is generally implemented forever, and the specific terms depend on the contract you signed at the time.

2. The mortgage interest rate is adjusted annually, the adjustment date of the following year is January 1, and the interest rate has been adjusted twice in 2011, you can see that your loan repayment figures in January and February 2012 are not the same, and the figures in February 2012 shall prevail in the future.

The down payment is generally negotiated with the real estate developer, and the policy stipulates that the minimum down payment for the first commercial house is 50%, less than 5 years, and the above is, and the down payment for the second house is 50%, and the annual interest rate is multiple of the benchmark interest rate.

The down payment is 30%, the loan is about 390,000, and the monthly loan is about 3,000, and the total interest repayment is about 250,000 yuan for 20 years

Now the bank is the benchmark rate, and there is no 85% discount.

The down payment is at least $160,000, plus taxes and fees may be $2-$30,000. The specific monthly repayment amount should be calculated according to your down payment and loan tenure, and the following loan calculator should be entered and calculated according to your actual situation.

If you don't go to the bank to cancel the mortgage, the house is still the bank's. How to handle: 1. Go to the bank to apply for a loan clearance certificate first.

2. Bring the relevant information, as well as the "Housing Ownership Certificate", "Housing Other Ownership Certificate" and the completed "Mortgage Cancellation Application Form" to the Housing Authority to revoke the mortgage.

Is the house yours after the mortgage is paid? Of course not. If the mortgage is not discharged, the bank still has the right to mortgage the house. There are two steps you need to do to get the full title of the house. 1. Go to the bank to apply for the mortgage settlement certificate 2. Go to the mortgage registration window of the Housing Authority.

Of course not, if you don't go to the bank in time to relieve the pressure, the house is still the bank's, and you can't ** in the future! The correct way is to go to the bank to apply for the loan settlement certificate first, and then bring your cancellation application, registration application, real estate certificate, house purchase contract, mortgage contract, house purchase invoice and ID card, and go to the housing authority to go through the procedures for decompression.

Many people think that it is enough to pay off the mortgage, but in fact, there is an important step.

What is the repayment period minus 30 years? The repayment period is your choice, but there are limitations:

First, your age, the maximum loan age minus your current age is equal to your maximum loan term, and the maximum loan age shall not exceed 30 years.

2. The formula for CPF loans is as follows:

The calculation formula is: [total monthly salary of the borrower + monthly contribution of the housing provident fund of the borrower's unit) repayment ability coefficient - total monthly repayment of the borrower's existing loan] loan term (months). Using the spouse quota:

(The total monthly salary of both husband and wife + the monthly contribution of the housing provident fund of the unit where the husband and wife work) Loan repayment ability coefficient - the total monthly repayment of the existing loan of the husband and wife] Loan term (months). Among them, the repayment ability coefficient is 40% Total monthly salary = monthly provident fund contribution (unit contribution ratio + individual contribution ratio).

Here's a calculator for CPF loans:

For other questions, you can check the references, which should be helpful to you. In addition, you will know that you don't know anything about these questions by reading your questions, so it is recommended that you ask all the questions to the representative of the real estate bank before signing the purchase contract.

Loan term = 30 (up to 35) - age of the house (2010 - the age of the house) The provident fund loan can be up to 40 times the balance of the provident fund account (the first house within 5 years of age shall not exceed 80% of the total house payment, and the house outside 5 years shall not exceed 70% of the total house price) (the second house shall not exceed 50% of the total house price) (three or more sets cannot be loaned).

The repayment period of the lender shall not exceed the age of 65 for men and 60 years old for women, I am doing real estate in Shanghai, if you don't understand, you can add.

The monthly repayment amount is related to the loan amount, loan tenure and loan interest rate, which is calculated as follows:

10,000 years: the monthly repayment amount of the equal principal and interest method is 2,826 yuan (the same every month), and the total repayment amount is yuan; The repayment amount of the first month of the equal principal method is yuan (decreasing month by month, and the repayment amount of the last month is yuan), and the total repayment amount is yuan.

10,000, 15 years: the monthly repayment amount of the equal principal and interest method is the same as that of yuan per month), and the total repayment amount is yuan; The repayment amount of the first month of the equal principal method is yuan (decreasing month by month, and the repayment amount of the last month is yuan), and the total repayment amount is yuan.

One: Simply put, this 1700 is the principal + interest, the specific algorithm is very complicated, the bank has its own calculation formula, and I personally think that it is of little significance to study!

2. Early repayment, as long as your lending bank agrees, you can repay it at any time. There is no problem in paying it off, as for how much you say, first of all, it is your remaining loan principal, and then there is the problem of liquidated damages, which are different from place to place, as far as Beijing is concerned, the liquidated damages are the monthly interest of the month, very little.

There are also early repayments that charge you a few points of liquidated damages......No, it is mainly subject to the loan contract!

Three: It is not necessary for the buyer to give you the full amount, first of all, your loan is not much, use the buyer's money to help you repay the loan, and then go to the transfer after your loan is settled! Or, you can first scrape together your own money to repay the loan, then transfer the property, and finally pay back the money after you get the house payment!

The guarantee company advances money, which is a way to deal with the situation that the buyer is unwilling to help you repay the money and you can't get the money yourself!

After reading your question, you don't have a real estate certificate, and if you want to sell it, it's a problem, and if you don't have a house, you can't hand over the property rights. Unless the developer still has a way to operate, or the house book has actually been done, but it is in the mortgage registration.

In short, we must first determine whether there is a house book, and there is no house book .........

1. You have a loan of about 210,000 yuan, and the repayment period is 15 years, and the interest rate is (loan amount x interest x loan term) + loan amount.

The term of the loan. 2. You can repay the loan in advance, but you must meet the conditions on your contract. Generally, you need to repay the loan for more than 1 year before you can repay the loan in advance (depending on your contract), if you pay it in a lump sum, you will be given an additional 3 months of interest on the remaining loan amount, and you must apply 3 months in advance!

3. Find a local guarantee company to lend you the money first, you go to repay the bank's money, settle the loan, and then repay the money of the guarantee company after selling it to them.

I'm sorry, because the term of your loan is 30 years, according to the equal principal and interest repayment method, assuming that the annual interest rate of the loan is, then your interest sum = 350,000 * year * 30 years = 10,000, and the sum of principal and interest = 350,000 (1 + year * 30 years) = 10,000.

The so-called usury refers to the annual interest rate of the People's Bank of China more than 4 times the benchmark loan interest rate of the People's Bank of China, your current situation is caused by the long period of borrowing, the interest rate of one year, then the total interest for 30 years is not the principal, so this is not called usury.

According to some loan regulations of banks, there is legal protection for the borrower not to repay the loan in advance after the loan, as long as the relevant clauses are agreed in the loan contract, the bank can refuse the borrower to repay the loan in advance or shorten the loan term. The so-called one-time repayment of 100,000 yuan must be calculated according to the sum of principal and interest of 100,000, and the so-called shortening of the repayment time, that is, according to the original calculation of principal and interest and repayment of 100,000 or one-third, shorten the loan term, and then calculate the new principal and interest according to the new term, deduct the part you have repaid, and recalculate your monthly payment. In terms of practical effect, early repayment by equal principal and interest repayment method does not have much practical significance.

If you look at your loan contract, you will find that according to the monthly payment calculation formula agreed in the contract, the interest is the priority in your monthly payment, and the principal is repaid last. Assuming that the sum of principal and interest is 500,000 yuan and the loan is 20 years, then after 10 years of repayment, that is, when 250,000 yuan has been repaid, your principal actually only accounts for about 40% of the 250,000 yuan that has been repaid. So there isn't much room for early repayment.

That's right, that's right. Because you have been repaying the loan for a long time, the interest calculated by the bank is the total loan amount * interest rate * loan term, which is the interest, which is higher than the principal you borrowed. That is, half or more of your 30 years have been spent paying interest on the bank.

No way, that's how it works. I also think it's a bit like a loan shark! You'd better save more money and pay back tens of thousands of dollars more to the bank when the time comes, so that you can pay back a few years less, and you can save a lot of interest to the bank.

I suggest that you consult the bank's full-time staff for professional answers.

Is the house yours after the mortgage is paid? Of course not. If the mortgage is not discharged, the bank still has the right to mortgage the house. There are two steps you need to do to get the full title of the house. 1. Go to the bank to apply for the mortgage settlement certificate 2. Go to the mortgage registration window of the Housing Authority.

Many people think that it is enough to pay off the mortgage, but in fact, there is an important step.