Housing payment problem! About the mortgage problem!

Yours should be a 10% increase in interest rates, yes. Therefore, monthly repayment = 210,000 per 10,000 yuan per year, monthly repayment constant) = yuan.

Your brother should have a loan of 160,000, and the benchmark interest rate is 15% lower. Therefore, monthly repayment = 160,000 per 10,000 yuan per year, monthly repayment constant) = yuan.

Or maybe he borrowed CPF. 170,000 yuan.

Hello landlord: In addition to paying the total price of the house, there are some other expenses for buying a house, such as deed tax, the deed tax of the first purchase of a house with an area of 90-square meters or less is 1%, 91-139 square meters is, 140 square meters and above is 3%, and the deed tax of the second house purchase is calculated at 3%; That 8000 should be these expenses.

Regarding the monthly repayment of the loan, this is related to the loan interest rate, the interest rate of one house enjoys 85% off, and the interest rate of the second house is multiple, according to your monthly repayment amount I think you are a pure commercial loan, and your loan interest rate is calculated by multiple.

1. This, the 60-year-old father generally can't get a loan, because people of this age generally don't have a stable job, let alone no job. Banks generally do not provide loans.

However, there is an exception, that is, your father is a **** or a civil servant, and he will give a loan until he is 65 years old, that is, the loan period is 5 years, because the retirement time of this part of the people will be postponed due to work, and there will be high wages and stable jobs.

So, suppose you're satisfied with the previous one. Your father wasn't exactly 60 years old, was he? Even if you are 60 years old, when will you apply for a loan, it is easy to say if you pay the money now. If the house is available for a loan in 2 years, then your father's age will be the biggest problem.

2. Actually, I don't understand why you mentioned that you are not a local account. Because the policies of each place are different, the requirements for buying a house may be different! We are here to buy a house, whether you have a local or foreign hukou, as long as you have money, as long as you have a stable, high-paying (can afford to pay off the loan) job, you can apply for a loan.

You can do it anywhere.

Suggestion: You go to the sales office where you want to buy a house and ask if you can apply for a loan in this situation, and their staff will specify your problem.

Hope mine is helpful to you.

According to the standard interest rate, the loan is 320,000 yuan, and the loan is 20 years, with equal principal and interest

Average monthly repayment: RMB.

Interest paid: $.

Total repayment: RMB.

Equal principal and interest is the same amount of repayment every month, but the total amount will be more, but the pressure is less, and the equal principal is more at the beginning and then less, decreasing every month, and the total amount of repayment is less, but the pressure is higher at the beginning.

If you pay it off early, it's actually about the same, so most people choose to pay equal principal and interest now.

Hello, according to the loan of 300,000 yuan, 20 years, 85% off the benchmark interest rate of the first home interest rate) is calculated as follows:

Equal principal, repayment in the first three months: January, 2610 (yuan) February, yuan).

In March, yuan) total repayment: 463,880 yuan.

Equal principal is a repayment that decreases from month to month.

Equal principal and interest, monthly repayment: yuan, total repayment: yuan.

It is recommended to choose the equal principal payment method, so that the monthly repayment amount will be smaller and smaller.

It depends on the time of your loan, and now the interest rate has been changing, you can go to ICBC online banking to calculate. In 20 years, it will probably be about 3,000, maybe less than 3,000.

A house is a rigid demand, it must be bought, and it should be bought early.

If you choose a 90-square-meter house, 360,000 yuan, a down payment of 160,000 yuan, and a loan of 210,000 yuan. If you choose a provident fund loan, the monthly repayment will be about 1,400 yuan for 20 years, and if you choose a commercial loan, the monthly repayment will be about 1,700 yuan for 20 years. After deducting the monthly repayment, the remaining 2,000 yuan per month can basically meet the living expenses.

If you have children, it is difficult to predict consumption, and if your income does not grow, you may be a little nervous. Your problem is that the down payment is insufficient, and if you borrow or borrow 80,000 yuan, the repayment is insufficient. In addition, it is also necessary to consider the cost of renovating a new house, which is also an expense.

Suggestion: Reduce the demand for housing and buy transitional housing first. One is to choose a low-cost second-hand house, preferably with decoration.

The second is to choose a small one-bedroom apartment or an apartment with high ceilings and two floors. This can not only reduce the pressure of the down payment, but also cope with the price of the house with the property**. After a few years, the income is **, and there is a surplus on hand, and then sell it and replace it with a suitable house.

As for whether to use equal principal or repay principal and interest, if you don't plan to repay the loan early, it is better to use equal principal and interest.

Of course, the sooner the loan is repaid, the better, and the result of prepayment is that the total amount of repayment is reduced in the end.

It can definitely be settled in advance. You don't have to worry about this, you can do it at any time, but you need to make an appointment with your bank in advance. Go to the bank at the appointed time to complete the mortgage settlement procedures, of course, you must bring enough money.

As for the interest, it depends on what kind of repayment method you use for the loan, equal principal and interest or equal principal, as well as your loan amount, repayment time, that is, how long has it been since the loan? Wait a minute. These are directly related to the amount you need to pay according to the balance, and you need to consult the bank for these questions, because the bank's set of calculation formulas is only available to them, and I can't memorize it, and 99% of the bank's people can't memorize it, so you still have to consult them.

However, early repayment is always more cost-effective than continuing to borrow, at least without paying as much interest.

According to what you said, you pay back the same every month, which is an equal principal and interest loan.

It depends on how many years you have repaid If you have repaid for more than 5 years, it doesn't matter if you repay it early or not If you repay the loan early within 5 years, it is still worth it A lot less interest.

Inflation in 20 years is estimated to offset a lot, that is, 1800 can only buy half a steamed bun in 20 years. Exaggeration.

Personally, I think it's better to pay it back slowly, it's better to use the extra money in the right place, how difficult is it to get money from the bank? Besides, is 1,800 yuan worth in 20 years as much as it is now?

1. The bank determines whether the second home loan has been judged by whether the credit information system has a housing loan, so your housing loan will be recognized as a home loan. And you are a local, and you will not implement the policy of buying a house in a different place.

2. The minimum down payment for a home loan is 30%. 40% down payment, 5-year term, average monthly repayment of 820 yuan; 40% down payment, 10-year term, average monthly repayment of 450 yuan.

3. Commercial loan, 5-year term, 40% down payment, average monthly repayment of 830 yuan. The difference is about 10 yuan.

4. Dandong's current transfer fees.

Deed tax: Properties below 90 square meters are levied at 1% of the transaction price, fees above 90 square meters are calculated at the transaction price, and luxury properties with an area of more than 144 square meters are calculated at 3%.

Business tax: 5% of the transaction price, if the house has been purchased for 2 years, it is not required, and it can also be reduced if the transfer is made according to the original transaction price.

1. According to the current policy, regardless of whether you take out a loan to buy a house or not, as long as it can be found in the registration center, you or your wife have a house in your name, and the new house is regarded as a second set;

2. A down payment of at least 4% is required for the second house, and individual cities have their own regulations;

3. There is a lot of difference, it is better to apply for a provident fund loan;

4. Early repayment should be implemented in accordance with the provisions of each bank contract, and the general housing loan is at least 50,000 or 100,000;

5. Taxes and fees need to be paid for the transfer.

The monthly repayment is close to 2021, and the interest in the first month is two or three of the principal repayment.

Four-five-six, 239

240 and so on, repay every month in 2021, the principal repaid at the beginning is very small, and then the principal ratio is getting larger and larger, not about 3 yuan.

This depends on the equal principal repayment, or equal principal and interest repayment, but from your total amount, you belong to the equal principal and interest, and the interest and principal part of each month are different, you can ask the bank to make a repayment note, and the information such as the interest and principal of each month is very complete, and you can know it at a glance.