What is the interest rate of the bank on behalf of the bank to buy a house now

The benchmark interest rate for demand deposits in 2018 is, for example, if 10,000 yuan is deposited in the bank demand, the one-year interest income is 10,000*.

1. The benchmark interest rate of fixed deposits for lump sum deposits.

1.The benchmark interest rate for a three-month lump sum time deposit is;

2.The benchmark interest rate for a half-year lump sum fixed deposit is;

3.The benchmark interest rate for a one-year lump sum fixed deposit is;

4.The benchmark interest rate for a two-year lump sum deposit is;

5.The benchmark interest rate for a three-year lump sum fixed deposit is.

The above is the benchmark interest rate for bank deposits, and the actual interest rate will rise to a certain extent from the benchmark interest rate, and the proportion of the increase will vary. Generally speaking, rural commercial banks and commercial banks will rise more.

In addition, the current annual interest rate for loans of less than 1 year announced by the People's Bank of China is; The annual interest rate of 1-5 years loan is more than one year.

This answer is provided by Youqianhua, a credit service brand under Du Xiaoman Finance (formerly Finance), which provides personal consumer credit services for the public and creates an innovative consumer credit model. Youqian uses artificial intelligence and big data risk control technology to bring users convenient, fast and reassuring Internet credit services. Click below on the mobile phone to measure the amount immediately, and the maximum amount you can borrow is 200,000.

If you apply for a personal loan at China Merchants Bank, the "loan interest rate" you can actually apply for is a comprehensive pricing based on factors such as the type of business you are applying for, personal solvency, credit status, guarantee method, etc., and can only be determined after the approval of the branch. If you want to know the current benchmark loan interest rate, please go to the homepage of China Merchants Bank and click to enter the "Loan Interest Rate" on the right side to view.

For the Chinese concept, the house is the most important thing in life, and most people nowadays tend to take out a loan to buy a house, especially under the pressure of today's high housing prices, it is not easy to pay the down payment, so buying a house is also to buy the most suitable house with the down payment on hand, but buying a house can not just stare at the down payment, there are many factors that need to be carefully calculated. For example, if we take out a loan in a bank, we need to find out what is the interest on the loan? How is it calculated?

What is the interest rate on a bank loan to buy a house? How is it calculated? What is the calculation formula, these are generally divided into the following two cases:

1. What is the interest rate on the loan of the house bank? Let's start with the equal principal method:

Monthly repayment amount = (loan principal repayment months) + (loan principal - cumulative amount of repaid principal) monthly interest rate.

Monthly principal repayment = loan principal number of months of repayment.

Monthly interest repaid = remaining principal Monthly interest rate = (loan principal - accumulated amount of principal repaid) monthly interest rate.

Monthly decreasing amount = monthly principal repayment Monthly interest rate = loan principal Number of repayment months Monthly interest rate.

Total Interest = (Total Loan Amount Number of Repayment Months + Total Loan Amount Monthly Interest Rate) + Total Loan Amount Number of Repayment Months (1 + Monthly Interest Rate) 2 Number of Repayment Months - Total Loan Amount.

A specific example of how much is the interest on a bank loan to buy a house by way of appeal:

For example, the total amount of the loan is 180, yuan.

The number of repayment months is 120 months.

The first month repayment is 2, yuan.

Decreasing per month: $.

The total interest paid is 59,000 yuan.

The total principal and interest are 239, yuan.

2. What is the interest rate of the bank loan for buying a house? and then calculated according to the equal principal and interest: interest rate per annum).

Monthly Instalment = Loan Principal Monthly Interest Rate (1 + Monthly Interest Rate) Number of Repayment Months 1 + Monthly Interest Rate) Number of Repayment Months - 1

Monthly interest payable = loan principal Monthly interest rate (1 + monthly interest rate) Number of repayment months - (1 + monthly interest rate) (Repayment month serial number - 1) 1 + monthly interest rate) Number of repayment months - 1

Monthly principal repayment = loan principal Monthly interest rate (1 + monthly interest rate) (Repayment month serial number - 1) 1 + monthly interest rate) Number of repayment months - 1

Total Interest = Number of Months of Repayment Monthly Instalment - Loan Principal.

According to the above way, how much is the interest rate of the bank loan for buying a house:

For example, the total amount of the loan is 180, yuan.

The number of repayment months is 120 months.

Monthly repayment of 2, yuan.

The total interest paid is 65,000 yuan.

The total principal and interest are 245, yuan.

Summary: After reading some of the relevant content of how much is the interest on the bank loan for buying a house that we summarized above, I believe that all people should understand how to calculate the specific interest to be paid for their own loans! I hope to provide a little help to people who need this, as the most popular trend of buying a house today, it is still very helpful for us to know more about the loan to buy a house, it is directly related to our purse problem, it is still necessary to be careful with your budget!

Loan Method: Business Loan.

Repayment method: equal principal and interest.

Loan amount: 420,000 yuan.

Loan term: 30 years (360 months).

Annual interest rate:

Monthly payment: RMB.

Total interest: RMB.

Loan Method: Business Loan.

Repayment Method: Equal Principal.

Loan amount: 420,000 yuan.

Loan term: 30 years (360 months).

Annual interest rate:

First monthly payment: RMB.

Decreasing month by month: yuan.

Monthly payment for the last month: yuan.

Total interest: RMB.

Extended information: The interest rate of the bank loan refers to the ratio of the interest amount to the principal amount during the loan period. China's interest rate is uniformly managed by the People's Bank of China, and the interest rate determined by the People's Bank of China is implemented after approval by the *** approval of the model.

According to the Notice of the People's Bank of China on Raising the Benchmark Interest Rate of RMB Deposits and Loans of Financial Institutions (Yin Fa [2011] No. 169), the relevant matters concerning the circular adjustment of the interest rate of housing provident fund deposits and loans are hereby notified as follows:

1. From July 7, 2011, the interest rate on personal housing provident fund deposits carried over from the previous year will be increased by one percentage point, from the increase to; The interest rate on the personal housing provident fund deposits collected in the current year remains unchanged.

2. From July 7, 2011, the interest rate of personal housing provident fund loans will be raised. The interest rate of personal housing provident fund loans with a term of more than five years will be raised by one percentage point, from the increase to; The interest rate of personal housing provident fund loans with a term of less than five years (including five years) will be increased by one percentage point, from the increase to.

3. From July 7, 2011, the loan interest rate shall be 10% higher than the interest rate of the personal housing provident fund loan for more than five years in the cities that carry out the pilot work of using housing provident fund loans to support the construction of affordable housing.

Floating basis. 1. It is conducive to highlighting the credit policy and business characteristics of Bank of China. Preferential interest rates will be given to foreign trade enterprises, foreign-funded enterprises, foreign affairs enterprises, large and medium-sized export production enterprises, and high-tech production enterprises with good economic returns.

2. It is conducive to promoting the common development of related businesses of Bank of China. Loans to basic customers, temporary loans to customers with deposits greater than loans, and loans to customers who handle import and export settlement business and intermediate business in our bank can be given appropriate consideration in terms of interest rate standards.

3. It is conducive to the cost accounting of credit funds, and improves the asset-liability ratio and its cost structure. The range of fluctuations in the loan interest rate should refer to the bearing capacity of the bank's comprehensive capital cost, the total amount of low-cost loans that restrict the interest rate of the interest rate is reduced, and the total amount of high-cost loans that determine the interest rate of the total amount of loans. The interest rate structure of the capital ** should be compatible with the interest rate structure of the use of funds.

4 Facilitate the risk management of credit assets. In principle, low-risk loans are subject to low interest rates, and high-risk loans are subject to high interest rates. For enterprises whose own funds do not reach a reasonable proportion, or who fail to make up their own funds in accordance with regulations, and whose credit rating is low, it is necessary to promote the improvement of their operation and management and increase their economic efficiency through interest rate means.

1. Credit loans. This kind of loan is mainly used for consumption purposes, the amount is not high, and the interest rate will be adjusted according to the applicant's qualifications, and the range of increase is about 10%-30%.

2. The mortgage interest rate is no stranger to everyone, now the purchase loan, the interest rate will basically rise, if it is the first house, the interest rate will rise in the range of about 10%-20%, if it is the second house, the interest rate will rise in the range of about 20%-30%, and the specific depends on the local policies and the qualifications of the applicant.

3. Mortgage loans. This type of loan is larger and the loan term is longer, but the interest rate is not too high compared to credit loans, usually about multiple of the benchmark interest rate.

4. Benchmark interest rate of bank loans: short-term imitation loans: annual interest rate within one year (including one year); Medium and long-term loans:

1 to 5 years (inclusive) annual interest rate; Annual interest rate for more than 5 years; Personal Housing Provident Fund Loan: Annual interest rate of less than five years (inclusive); Annual interest rate for more than 5 years;

5. The bank loan interest rate refers to the ratio of the interest amount to the principal amount during the loan period. China's interest rates are uniformly managed by the People's Bank of China. The bank loan interest rate refers to the benchmark interest rate set by the People's Bank of China, and the actual contract interest rate can fluctuate within a certain range on the basis of the benchmark interest rate.

What are the repayment options for buying a house with a loan?

1.Buyers apply for a loan to buy a house, there are two repayment methods: "equal principal and interest" and "equal principal", the equal principal and interest repayment method is to repay the same amount of loan (including principal and interest) every month during the repayment period, this repayment method is suitable for families with normal spending plans, especially young people. The equal principal amount is the repayment that decreases month by month, so because the principal is more in the initial stage, more interest will be paid, so that the repayment amount is more in the initial stage, and decreases every month in the subsequent time, which is suitable for people with strong repayment ability.

2.Under the premise of calculating the same repayment time and interest rate according to the overall repayment amount, the overall repayment amount of the repayment method of equal principal is less than that of equal principal and interest, but the repayment method of equal principal will have greater repayment pressure in the early stage.

3.Personal housing provident fund loans and some commercial personal housing loans have been launched in advance to allow borrowers to change their repayment plans and repay part or all of the loans in advance. However, the early repayment of the loan, especially the early repayment of part of the loan, requires the re-revision and calculation of the loan term and loan balance agreed by the three parties in the original loan contract, and a certain amount of liquidated damages will be paid.

At present, there are two types of bank loans: one is housing provident fund loans, and the other is commercial bank loans. There are two types of CPF loan annual interest rates, one is less than five years (including five years), and the other is more than five years.

Commercial mortgage loans are generally 1 year, 3 years, 5 years and more than 5 years, and more used are 5 years and more than 5 years (because the mortgage loan amount is generally large, the application time is too short, and the monthly repayment amount will be too high).

The benchmark interest rate stipulated by the state is five years, more than five years, if you are using a loan to buy a house for the first time, most banks can still achieve a 7% discount on the interest rate, and the actual interest rate after the concession is five years, more than five years. 800,000 yuan, 15 years to repay, the bank will provide you with two repayment methods, one is the equal principal and interest method, that is, the monthly repayment amount is the same, about the monthly repayment, this method is less per month, the amount is fixed, and the flexibility is greater when choosing the term.

One is the repayment method of decreasing principal, that is, more at the beginning, and less and less later, and the first month is about the repayment of the yuan, and then the monthly decline is about the yuan. This method starts with a large repayment amount and is more stressful, but the total interest repayment over 15 years is less than that of the equal principal and interest method, which is suitable for those families who have a certain economic foundation.

When applying for a loan to buy a house at the bank, the calculation of mortgage interest mainly depends on which repayment method is chosen: if you choose the equal principal and interest repayment method, the monthly repayment amount will remain the same during the repayment period (the interest will be calculated according to the actual number of days in the first month, which may be different).

The calculation formula is: monthly repayment amount (principal + interest) = [loan principal monthly interest rate (1 + monthly interest rate) number of repayment months] [1 + monthly interest rate) number of repayment months 1].

Total Interest = [Loan Principal Monthly Interest Rate (Brother 1 + Monthly Interest Rate) Number of Repayment Months] [1 + Monthly Interest Rate) Number of Repayment Months 1] Number of Repayment Months Loan Principal.

If you choose the equal principal repayment method, you divide the total loan amount into equal amounts, and then repay the same amount of principal and interest accrued on the remaining loan each month.

The calculation formula is: monthly repayment amount (principal + interest) = (loan principal number of repayment months) + (loan principal accumulated amount repaid principal) monthly interest rate.

Monthly Interest = (Loan Principal Accumulated Principal Repaid) Monthly Interest Rate.

At present, there are many Yinliang online loan big data systems that can provide online loan record inquiry, and important data information such as online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit estimate can be queried in "Baisan Data".

Extended Information: When is the best time to prepay a mortgage?

The best time for prepayment of the mortgage is one-third of the loan duration, for example, if you apply for a 30-year mortgage, then the cost performance of choosing early repayment in the first 10 years is relatively high, without considering the liquidated damages, the earlier the prepayment of the mortgage, the more cost-effective, if the financial ability allows, you can choose to repay the loan early.

When applying for early mortgage repayment, you need to prepare the following information: 1. Lender's ID card.

2. Lender's household register.

3. Proof of marital status.

4. Loan contract.

5. Repayment bank card.

6. Application for early repayment.

When repaying the loan in advance, you need to apply first, and then prepare the relevant materials according to the requirements of the bank or the provident fund center, and after the application for early repayment is approved, you can repay the loan in advance.

Of course, prepayment of the mortgage is not a one-off affair, and you have to repay all the loans, and you can choose to repay part of the mortgage or all of the mortgage in advance according to your financial situation.