How to calculate the down payment and monthly payment on the house, how to calculate the down paymen

If you take out a loan through China Merchants Bank, the specific monthly payment and interest still depend on your loan term and repayment method, etc., you can use the official website of China Merchants Bank or mobile banking to calculate the monthly loan payment, and the trial calculation results are for reference only. Enter information such as the loan amount, annual interest rate, loan term, and repayment method selected, and try to calculate the monthly loan payment amount and interest.

Path 1: Mobile Banking: Log in to Mobile Banking, click My - All - Assistant - Financial Calculator - Loan Calculator;

Path 2: China Merchants Bank Homepage: Financial Instruments - Personal Loan Calculator in the middle of the home page.

The down payment and monthly payment for the house are calculated as follows:

1.House Down Payment:

The down payment is usually 20% to 30% of the total price or appraised price. The monthly payment is calculated by dividing the mortgage interest plus the principal by the number of months.

2.Monthly Payment:

Total Loan Annual Interest Rate How many years of loan = Interest on the total amount of the loan.

That's all for calculating your down payment and monthly payments, but please note that actual values may vary depending on the market** and changes in loan policies.

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Nowadays, housing prices are soaring, which makes many friends who want to buy a house very annoyed, compared to buying a house requires a large amount of money, and it is not easy to pay it off at one time. Nowadays, many people choose to buy a house with a down payment and then pay the mortgage every month. So, how is the down payment on a house calculated?

Let's take a look.

1. How is the down payment for a house calculated.

1. Generally, the developer will give the unit price of the house, and then multiply it by the actual area, and the result is the total amount of the house. For example, if the unit price of the house is 4,550 yuan per square meter and the area is square meters, then the total amount of the house is 538538 yuan. When calculating the down payment, remove the fraction first, which is 8538 yuan.

The down payment is 530,000 times 20%, which is 10,000. Removing the part of the ruin of the knowledge bureau, the down payment is 110,000 yuan, plus the 8,538 yuan removed before, the down payment is 118538 yuan.

2. According to the regulations of the state, the down payment for the purchase of the first house in a family unit cannot be less than 30% of the total price of the house. That is, if you want to buy a house of 1 million, your down payment cannot be less than 300,000 yuan. If a provident fund loan is used, the husband and wife can borrow up to 450,000 yuan, and the remaining amount requires a down payment, that is, the down payment needs to be 550,000 yuan.

3. If you use a commercial loan, you need to decide how much you can borrow according to the family's income and the borrower's ability to repay. After the total price of the house minus the amount of the loan, the remaining amount is also subject to a down payment. When buying a second home, the down payment ratio should not be less than 50%.

4. In order to attract customers to buy houses, some developers have launched down payment discounts, such as the developer will advance a part of the money for you, and then let you set it first. The rest of the money will need to be paid by the buyer in a year, which is also a good strategy to ease the pressure on the buyer to make a down payment.

Summary: How is the down payment on a house calculated?I believe everyone has understood it after reading the article. I hope the above content can bring you some help and suggestions, if you need to know more about it, please continue to pay attention to Mengpin.

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The down payment may vary from region to region, from bank to bank, and from mortgage type to mortgage type, whether it's a first home or a second home.

For example, the minimum down payment of the first personal commercial housing loan cannot be less than 30% of the total price of the house, and there may be adjustments in various places, such as the Shanghai Companion Crack, which stipulates that the minimum down payment ratio of the first housing commercial loan is 35%.

The down payment of the first set of personal housing provident fund loans, with a construction area of less than 90 square meters (inclusive), shall not be less than 20%, and the minimum shall not be less than 30%.

As for the second house, *** has stipulated that the minimum proportion of the first reed closure shall not be less than 40%.

Of course, many banks in various places may rise, maybe 56%, or even 70%.

For example, Shanghai stipulates that if the second home loan is purchased as an ordinary owner-owned house, the down payment is at least 50%, and if the purchase is a non-ordinary owner-occupied house, the down payment is at least 70%.

If you are not sure, you can directly consult the customer service of the local branch or provident fund management center.

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Regarding the down payment of the mortgage**, it is stated that it is personal own funds, and it is not borrowed income.

If it is paid with your own salary, then it is enough to indicate the salary income.

At the same time, provide corresponding supporting information, such as bank statements, salary slips (preferably nearly half a year) and so on.

If it is a relative, it is okay to transfer money, but you need to prove your kinship with the other party.

For example, immediate family members are easier to prove, and generally provide household registration booklets, birth certificates and other materials.

Of course, the word "loan" must not be included in the transfer label of relatives, and it is not likely to be considered by the bank as a private loan, and it will not recognize the down payment and refuse to approve the loan.

It should also be noted that the funds obtained from the overdraft and withdrawal of credit cards under the name cannot be used to pay the down payment of hail, which is similar to the problem of paying the down payment on a loan, and the bank will suspect that the repayment ability is insufficient and the lending risk is too large.

In fact, if you are not sure about the specific regulations, you can directly consult the bank's customer service.

The down payment for the house is calculated: down payment for the house = total payment for the house - the amount of the customer's loan. Loan amount = contract price (market price) 80% (up to 80% of the initial loan amount), total loan amount Annual interest rate How many years of loan = total loan interest.

The second is the calculation of the monthly payment of the house: (total loan amount + total loan interest) How many years 12 = monthly payment.

Borrowers need to note that monthly payments can be affected by a variety of factors, and the amount changes. There are four main factors that affect the monthly payment: loan amount, loan term, annual interest rate, and repayment method.

In fact, when choosing the down payment ratio, the borrower needs to choose according to his or her actual situation.

If the borrower is buying a house in a first-tier city such as Beijing, Shanghai, Guangzhou and Shenzhen, the house price changes greatly, and it is best to pay about 30%. If you are buying a house in a second-tier city or below, it can be determined according to the mortgage interest rate. The higher the mortgage interest rate, the lower payment ratio can be appropriately increased.

If the borrower's personal qualifications are not very good, you can also choose to increase the proportion of the down payment on the house appropriately, which will help you successfully apply for a personal housing loan from the bank.

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The down payment for the house is calculated as follows: down payment for the house = total payment for the house - the amount of the customer's loan. Loan amount = contract**(market**) 80% (maximum initial loan amount is 80%), total loan amount Annual interest rate Loan tenure = total loan interest.

Secondly, the monthly payment of the house is calculated as follows: (total loan amount + total loan interest) how many years 12 = monthly payment.

Borrowers should note that monthly payments are affected by many factors and the amount will change. There are four main factors that affect the monthly payment: loan amount, loan term, annual interest rate, and repayment method.

In fact, when choosing the down payment ratio, the borrower needs to decide according to his actual situation.

If the borrower buys a house in first-tier cities such as Beijing, Shanghai, Guangzhou and Shenzhen, and the house price changes greatly, it is best to make a down payment of about 30%. If you buy a house in a second-tier city or lower, you can determine the mortgage interest rate. The higher the mortgage interest rate, the higher the down payment ratio.

If the borrower's personal qualifications are not very good, they can also choose to appropriately increase the down payment ratio of the house, which will help to successfully apply for a personal housing loan from the bank.

Since June 1, 2006, the down payment ratio of individual housing mortgage loans shall not be less than 30%. Taking into account the housing needs of low- and middle-income people, the purchase of self-employed housing with a floor area of less than 90 square meters is still subject to a down payment ratio of 20%.

National policy: In the notice of the General Office, the Ministry of Construction and other departments on adjusting the structure of housing and stabilizing housing prices, in order to curb the excessively rapid housing prices, the mortgage loan for the down payment of individual housing shall not be less than 30% from June 1, 2006. Taking into account the housing needs of low- and middle-income people, the purchase of self-employed housing with a floor area of less than 90 square meters is still subject to a down payment ratio of 20%.

With effect from 1 June 2006, the down payment ratio of individual housing mortgage loans shall not be less than 30%. Taking into account the housing needs of low- and middle-income people, the down payment ratio of 20% is still implemented for the purchase of owner-occupied housing with a floor area of less than 90 square meters.

National policy: In the "Notice of the General Office, the Ministry of Construction and Other Departments on Adjusting the Structure of Housing and Stabilizing the Housing", in order to curb the excessively rapid housing prices, from June 1, 2006, the down payment ratio of individual housing mortgage loans shall not be less than 30%. Taking into account the housing needs of low- and middle-income people, the down payment ratio of 20% is still implemented for the purchase of owner-occupied housing with a floor area of less than 90 square meters.

Answer: The calculation formula for the down payment of the house is to subtract the loan amount from the total house price, if the purchase is the first house, the minimum standard for the down payment is 30% of the total house price, such as buying a house with a house price of 1 million yuan, and the customer loan amount is 700,000 yuan, then the down payment is at least 300,000 yuan, if the house is a second house, the minimum standard for the down payment is 50% of the total house price, and the customer loan amount is 500,000 yuan, then the down payment is 500,000 yuan.

According to national regulations, as long as it is the first house, the down payment cannot be less than 30% of the total house price, for example, if you want to buy a house worth 1 million yuan, then your down payment is at least 1 million * 30% = 300,000 yuan.

Although there is a rule that you can take 30% of the total house price, there is also the problem of loans. For example, for the above-mentioned house with a total house price of 1 million, if the provident fund loan is adopted, the husband and wife can borrow up to 450,000 yuan, then the remaining house payment must be a down payment, that is, 1 million yuan - 450,000 yuan = 550,000 yuan, that is, a down payment of 550,000 yuan.

If you use a commercial loan, you also need to examine your family income and ability to repay the loan to see how much you can borrow, then the total house price minus the loan amount, and the rest is also a down payment.

When buying a second house (in a family unit), the down payment ratio of the loan shall not be less than 50%, for example, for a house with a total price of 1 million yuan, the down payment is at least 1 million yuan * 50% = 500,000 yuan.

When buying a new house, the down payment is calculated according to the proportion and loan amount, and if you buy a second-hand house, you need to negotiate the down payment with the homeowner, as long as it is not lower than the down payment ratio of the house (30%).

There are real estate developers, in order to attract customers to buy houses, but also introduce down payment discounts, such as the state stipulates that at least 30% of the proportion can not be moved, the developer will advance a part of the money for you, so that you can set the **. For example, for a house with a total price of 1 million yuan, the down payment needs to be at least 300,000 yuan, and some real estate developers pay 20% in advance, and they pay the remaining 10% in advance, so that buyers can make up the payment within a year, which is also a strategy to delay the down payment pressure of buyers.

First, the first suite.

According to national regulations, as long as it is the first house, the down payment cannot be less than 30% of the total house price.

2. Two suites.

In 2018, the down payment ratio for the second house in China is higher than that for the first house, because the state severely cracks down on the phenomenon of house speculation, so my country stipulates that the down payment ratio of the second house should be at least 60%. Then the loan interest rate has also increased compared to the first home, raising to about 8%, and the loan interest rate for the first home is about 5%. 3. Second-hand housing.

When buying a second-hand house, you need to negotiate a down payment with the homeowner, as long as it is not lower than the down payment ratio of the house, that is, greater than or equal to 30%.

The down payment of the house is determined according to the buyer's situation, as follows: For example, the developer sells the house for 1 million, and the buyer is the first house, a commercial loan, then the down payment only needs three achievements, that is, a down payment of 300,000 yuan, a loan of 700,000 yuan, and if it is a provident fund loan, the down payment is 2 percent, that is, a down payment of 200,000 yuan, and a loan of 800,000 yuan.

When taking out a loan to buy a house, how should the down payment be calculated? The experts tell you the answer, don't be fooled!

Summary. Hello dear, the following is a detailed answer for you, you can refer to the house to calculate the down payment and monthly payment method, the normal down payment is 20% to 30%, if it is a house of 1 million, then the normal down payment is about 200,000 to 300,000. The more the down payment, the less the amount of the loan will be, and the less the principal will be repaid, the less interest will be repaid, so if you can't pay more, you can pay more.

The monthly payment is made with a loan, and the principal plus interest is divided by the month of the loan.

Hello dear, the following is a detailed answer to the relevant questions for you to complete the imitation paragraph, you can refer to the method of calculating the down payment and monthly payment of the house, the normal down payment is 20% to 30%, if it is a house of 1 million, then the normal down payment is about 200,000 to 300,000 yuan. The more you have to pay the down payment, the less the amount of the loan will be, and the less the principal will be the less interest you will repay, so if you can't pay more, you can pay more. The monthly payment is made with a loan, and the principal plus interest is divided by the month of the loan.

Calculation method of down payment for the first house: down payment = total housing payment - customer loan amount, loan amount = the same price (market price) 80% (the maximum amount of the first loan can reach 80%) The total amount of the loan Annual interest rate How many years of the loan = the total amount of the loan Interest Minitization. (Total loan amount + interest on total loan amount) How many years 12 = monthly payment.

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