Construction project loan interest rate

How to calculate the interest on bank loans?

According to the regulations:

Loan interest = principal x time x interest rate.

Usually:

1 ten thousand yuan +0 years +0% = 1 ten thousand yuan

Loans can be mortgaged (real estate, etc.). ) or secured loans, the latter with a smaller loan amount.

The interest on general bank loans is calculated by compound interest on a monthly basis. There are two ways to repay by installments, one is equal principal and interest, and the other is average capital. In the short term, you can also repay the principal and interest in one lump sum, 60,000 yuan a year (12 months), calculated according to the current annual interest rate of one-year loans of 5.3 1% (monthly interest rate: 5.3 1%).

Extended data:

architectural engineering

Judging from the quotation data of the best interest rate of one-year loans published by nine quotation banks, they are all lower than the one-year benchmark interest rate of 6% previously announced by the central bank. Take the quotation of 1 65438+1October1as an example, ICBC quoted 5.7030% and ABC quoted 5.7174%; However, the quotations of China Bank from 65438+1October 28th to 65438+1October 30th were all maintained at 5.7030%. 1 65438+1October1,Shanghai Pudong Development Bank quoted 5.8 135%. From the data point of view, the LPR quotations of various banks are not much different.

10 year 10 on October 25th, the central bank announced that in order to further promote the interest rate marketization, improve the benchmark interest rate system in the financial market, and guide the pricing of products in the credit market, the centralized quotation and release mechanism in the preferential interest rate for loans was officially put into operation. According to the rules, the preferential loan interest rate refers to the loan interest rate implemented by financial institutions for their best customers. Other loan interest rates can be determined based on the borrower's credit situation, taking into account factors such as mortgage, term, floating mode and type of interest rate, and adding or subtracting points on the basis of preferential loan interest rate.

Reference: 9 banks released the best loan interest rate-People's Daily Online.

Interest rate of commercial loans in 2022

1. Short-term loans: 4.35% within six months (including six months) and 4.35% from six months to one year (including one year); 2. Medium and long-term loans: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years; 3. Housing provident fund loans: 2.75% for less than five years (including five years) and 3.25% for more than five years. The above is the interest rate of commercial loans in 2022. Can I borrow from other banks after the loan? After the loan, you can still borrow from other banks, but the success of the loan depends on the regulations of the bank and the personal qualifications of the users. If the previous loan is not overdue, the success rate of users applying for loans in other banks will be much higher. If it is overdue, other banks will reject the user's loan application. Whether it can be refinanced depends on users' repayment ability, cash flow, assets and liabilities, as well as products and market conditions. Users can apply for loans if they have rich personal assets, strong repayment ability and no problem with their reputation. However, it should be noted that if the user's immediate loan is a provident fund loan, he can no longer apply for a provident fund to buy a house without paying it off, but he can apply for a commercial loan or a consumer loan. How long can the bank loan come down? How long does it take to approve the bank loan? Mainly depends on the type of loan. Generally speaking, payment can be made within one week after the application for credit loan and about one month after the application for housing loan. Moreover, when users apply for bank loans, they can ask the credit specialist to estimate the length of the next repayment. As long as there is no policy change, this estimated length is usually more accurate.

What is the annual loan interest rate for municipal construction projects?

The development of residential quarters is generally divided into pre-planning, investment consulting, planning and design, engineering construction, property management and other stages. The contents of pre-planning and investment consultation generally include the price of the real estate to be developed, the location and proportion scheme of the apartment type, the purchasing power analysis of the buyers, the planning of the development scheme, the housing construction standard, the architectural modeling, the parking mode and the number of parking spaces, the development cost estimation and the profitability analysis. Pre-planning and investment consulting involve a wide range and are highly professional. Developers often can't do it by themselves, but entrust a real estate consulting agency with a lot of information and data to complete it. Based on a case, this paper makes a superficial discussion on the pre-planning and investment consultation of Shanghai residential district development.

A real estate developer has obtained a residential construction plot located in the fifth-grade section of Shanghai, with an area of 2 1000M2. There are complete supporting facilities such as education, medical care, entertainment and shopping around the plot, and transportation facilities such as overhead, bus and subway (under construction) are perfect. At present, the developer has signed a land transfer agreement with the government land management department, and the land transfer period stipulated in the land transfer agreement is 70 years, which is used for housing and planning. In addition, the developer signed a land transfer agreement with a unit, and its land transfer costs include direct costs to the units and residents to be demolished, site cleaning costs, and labor costs for demolition. , a total of 2 million yuan/mu. Before entrusting the design unit with planning and design, the developer wants to entrust a consulting agency with the preliminary planning, development cost estimation and profitability analysis of residential development on the basis of only two basic materials, namely the land transfer agreement and the land transfer agreement.

First, the early development planning of residential quarters

1, real estate price positioning

According to the consultant's market survey, the price distribution range of houses built or under construction near the proposed plot ranges from the lowest 3980 yuan /M2 to the highest 9980 yuan /M2, so buyers have a large choice, and most of the houses are concentrated in the middle price range. The specific survey results are shown in the following table:

As can be seen from the above table, the average price of competitive buildings built and under construction nearby is mostly distributed at 4980-6980 yuan /M2. After comprehensive analysis, the buyers who plan to build residential areas are mainly working-class families with upper-middle income in Shanghai, supplemented by groups with weak economic ability and high-income white-collar workers. According to the characteristics of its own real estate, the average selling price of commercial housing in the proposed real estate is 6 180 yuan /M2. In the sales operation, we can make appropriate adjustments based on the established sales price according to the relationship between market supply and demand.

2, room type positioning and proportion scheme

In recent years, it is quite common that the newly developed buildings in Shanghai residential market have a large area. According to the analysis data of the pre-sale structure of commercial housing in Shanghai real estate market in 2002 jointly released by Shanghai Real Estate Trading Center and Shanghai Statistics Bureau, only 2.2% of the commercial housing area in the real estate market in 2002 was below 70㎡, and the apartment area of 100㎡ was between 70 and 65438 ㎡. 53.9% of the apartment area is in100-150m2, and 27.7% of the apartment area is above150m2. Because the apartment area is above 100㎡, accounting for 8 1.6%, the apartment area is obviously too large, which makes many working-class families full of expectations for the house. In fact, the most sought-after apartment in Shanghai housing market is small and medium-sized apartment, not the traditional 50㎡ apartment, but the two-bedroom and one-bedroom apartment of about 85㎡ and the two-bedroom and one-bedroom apartment of about 100㎡. This apartment has strong practicability, moderate total price and low property management fee, which is very attractive to the working class. After comprehensive analysis and comparison, the room type, construction area and proportion of the proposed residential development project are as follows

3. Buyers' purchasing power analysis.

According to the above construction area positioning and sales price, the average sales price of each house with two bedrooms, one living room and one bathroom is: 525,000 yuan -6 1.8 million yuan. Under normal circumstances, the buyer pays 30% down payment, that is, 6,543.8+0,575,000 yuan-6,543.8+0,850,000 yuan, and the remaining 20 years of mortgage repayment to the bank. Take the room type (two rooms, two bathrooms and one bathroom) of 6180,000 yuan as an example, the down payment is185,000 yuan, and the balance is 433,000 yuan. In addition, if property buyers can get some provident fund loans, because the interest rate of provident fund loans is lower than that of commercial loans, the monthly repayment amount will be reduced, and the repayment ability of property buyers will be better guaranteed.

4. Development planning and determination of reference economic indicators

Development plan:

The development of social economy and the improvement of people's living standards put forward higher requirements for the living environment of residential quarters, which promoted the development of residential architectural forms in a comfortable and practical direction. The traditional multi-storey high-rise building model can no longer meet the needs of big cities with tight land use, but another compromise way-small high-rise slab structure residence (7- 13 floors) has the advantage of saving land resources compared with multi-storey residence. Compared with high-rise residential buildings, it has good ventilation and lighting advantages, and it has become the most popular architectural form for buyers at present and in the future. In principle, the 12-story small high-rise slab structure is selected in this development plan.

Reference economic indicators:

(1) Estimation of the number of residential buildings, construction area and number of households

According to the housing location and proportion scheme, the average construction area of each residential building to be built is:

705%8535% 10035%

130 15% 160 10% = 103.75 m2

Each house has 5 units, and each unit 1 elevator has 2 households (each unit 1 elevator), so the construction area of each small high-rise residential building with 12 floors is: 12 floors, 5 units /2 households/unit103.75m2 =

Whereas the land area of the base is 2 1000M2, the planned plot ratio is 2.5, and the total construction area of residential commercial houses and public facilities is 2 10002.5 = 52500 m2.

According to the planning index of residential quarters, general commercial housing accounts for 94%-95%, and public facilities account for 5%-6%. Assuming that commercial housing accounts for 95% of the total, the buildable area of commercial housing is 52,500 ㎡, and 95% = 49,875 ㎡.

12 floors of small high-rise residential buildings: 49875/ 12450=4.

Actual residential building area: 4 12450 = 49800 square meters.

The average building area of each household is 103.75M2, so the number of households is 49800/ 103.75=480.

(2) Public facilities

Public facilities include kindergartens, nurseries, convenience stores and other supporting facilities, of which kindergartens and nurseries generally account for 40%, convenience stores generally account for 35%, and other supporting facilities generally account for 25%.

Total construction area of public facilities: total construction area-residential construction area = 52,500-49,800 = 2,700 square meters.

Building area of kindergartens and nurseries: 270040%= 1080M2.

Construction area of convenience store: 270035%=945M2

Other supporting construction area: 270025%=675M2.

(3) Outdoor ancillary facilities

Outdoor ancillary facilities include independent underground parking lot, substation, standard tennis court, etc.

Parking space: 65,438+05% of the motor vehicles in the residential area are planned to park in the ground parking space, and 85% are planned to park in the detached underground. Considering the popularization trend of family cars in Shanghai in the future, it is assumed that there is one family car for every three households in the community, the total number of parking spaces is 480/3= 160, and the number of cars on the ground is16015% = 24; Number of underground parking spaces: 16085%= 136.

Independent underground parking: The plane size of each parking space is 2.5m, with an area of12.5m2. The area of underground parking spaces including shared lanes is generally 30-35M2. If the upper limit is taken in this estimation, the area of independent underground parking lot is 13635=4760M2.

Substation: The investment of substation depends on the total electricity consumption of the whole community, which is estimated as follows:

The electricity consumption indicators per unit area of civil buildings are as follows: 40W/M2 for residential buildings, 30W/M2 for kindergartens and nurseries, 60- 120W/M2 for convenience stores and 80W/M2 and 20-30W/M2 for other supporting facilities. The upper limit value is used for estimation.

Residential and commercial electricity consumption: 4980050=2490 kW

Electricity consumption of kindergartens and nurseries:108030 = 32.4kw.

Electricity consumption of convenience stores: 945120 =113.4kw.

Electricity consumption of other supporting facilities: 67580=54 kW

Basement of small high-rise residence itself:/103.75524 30 Building No.30 =124.5kw.

Independent underground parking lot: 476030 =142.8kw.

Subtotal electricity consumption: 2957. 1 kW

In addition, the sporadic electricity consumption in the residential area is 5%, so the total electricity consumption in the whole residential area is:

2957.1(15%) = 3105kW.

The transformer capacity of 3200KVA( 1KW 1KVA) can meet the electricity demand of the whole community. It is planned to set up four substations with a capacity of 800KVA, 10KV. Take the construction area of each substation as 50 square meters, which is 200 square meters.

Tennis court: in order to meet the leisure and entertainment needs of residents in the community, it is planned to build a 1 standard tennis court in the community.

Specification of standard tennis court: 36.58m 18.29m The tennis court covers an area of 669M2.

5, building coverage, greening rate, residential green area, tennis court area, ground parking area, residential road area and other indicators.

Building coverage:

Coverage area of four small high-rise buildings 12 floors:103.75524 (110%) = 4565m2.

Coverage area of public facilities (2 floors): 2700/2 (110%) =1485m2.

Coverage of distribution station: 200( 1 10%)=220M2.

Building area: 6270 square meters

(Considering that the foundation projects out of the external wall, the standard floors in floor-area ratio are many 10%. )

Building coverage: 6270/2100100% = 29.9%.

Greening rate: the greening rate of new residential areas is generally not less than 30%. In order to improve the environment and quality of life, the greening rate of the whole base is 35%. In addition to buildings, road sites, ground parking spaces, tennis courts, kindergartens, nurseries and residential areas, the rest are planted with greenery, and a central green space is set above the independent basement.

Total green area of residential area: 2 100035%=7350M2.

Tennis court area: 36.5818.29 = 669m2.

Floor parking area: 242.55=300M2.

Outdoor activity places of kindergartens and nurseries: the area is the same as the building area 1080M2.

Outdoor activity places for residents: 5% of the total area of the community, that is, 2 10005%= 1050M2.

Road area of the residential area: 2 1000-6270 (building) -7350 (greening) -669 (tennis court) -300 (ground parking space)-1080 (outdoor activity place of kindergarten and nursery)-1050M2 (outdoor for residents)

Residential road occupancy rate: 4281/2100100% = 20.4%.

6. Estimation of daily maximum water consumption, daily maximum sewage discharge, daily maximum artificial gas consumption, telephone capacity and other indicators:

The short-term planning indicators of water supply, sewage, gas and telephone capacity of civil buildings are summarized as follows:

Water supply index:

Residence: 7- 10L/m2; Public facilities: 6- 10L/m2 days; Greening:1.5l-2l/m2 day.

The maximum daily water consumption of the community is: 10L /M249800M2 (residential) 10L /M22700M2 (public facilities) 2L /M29450M2 (greening) =544M3.

Pollutant emission index:

Residential: 6.7-9.5 liters/m2/day; Public facilities: 5.4-9 liters/m2/day.

The maximum daily sewage discharge in residential area is 9.5 liters/249,800 m2 (residential) 9 liters M22700M2 (public facilities) =497M3.

Maximum daily consumption of artificial gas: 4.4M3/ 480 households, 2700M20.08M3/M2=2328M3.

Artificial gas consumption index:

Residential: 4.4M3/ household/day; Public facilities: 0.08M3/M2 per day.

Telephone capacity index:

Residence: 100- 154 doors/10,000 ㎡; Public facilities: 25 doors per 10,000 square meters.

Number of telephone lines: 154 lines/10,000 m249,800 M225 lines/10,000 m202,700 M2=774 lines.

7. The preliminary planning results are summarized as follows:

Construction scale: It is planned to build four small high-rise buildings on the underground 1 floor and the ground 12 floor, with one staircase and two households. Each building has five units on each floor, with an average construction area of 103.75 square meters and a height of 2.9 meters.

Total land area: 2 1000m2.

Building area: 6270 square meters

Green area: 7350 square meters

The tennis court covers an area of 669 square meters.

Floor parking area: 300 square meters

Living area: 428 1 m2.

Coverage area of outdoor activities in kindergartens and nurseries:1080m2.

Outdoor activity area of residential area:1050m2.

Total construction area: 57,260 square meters

Construction area of residential commercial housing: 49,800 square meters

Construction area of public facilities: 2,700 square meters

Kindergarten and nursery area:1080m2

Convenience store area: 945 square meters

Area of other supporting facilities: 675 square meters

Independent underground parking lot: 4,760m2.

Planned plot ratio: 2.5 (excluding underground parking)

Building coverage: 29.9%

Greening rate: 35%

Residential road occupancy rate: 20.4%

Share of other recreational facilities: 14.7%

Total electricity consumption of residential quarters: 3 105kW.

Maximum daily water consumption of residential quarters: 544 cubic meters

Maximum daily sewage discharge of residential quarters: 497 cubic meters.

Maximum daily consumption of artificial gas in residential quarters: 2328 cubic meters.

Telephone capacity of residential quarters: 774 doors

Total number of families: 480

Second, the analysis and estimation of development cost of development projects

(A), the development cost analysis

Because the funds needed for the whole development and construction project are closely related to the construction standards of residential commercial housing, public facilities, outdoor ancillary facilities and outdoor projects, the construction standards of residential commercial housing, public facilities, outdoor ancillary facilities and outdoor projects must be determined before estimation.

1, see the following table for the construction standards of residential commercial housing:

2. See the following table for the construction standards of public supporting service facilities and outdoor ancillary facilities:

3, the construction project development cost estimation:

According to the above building and structural construction standards, the unit price composition analysis of residential commercial housing and independent parking lot is shown in the following table:

See the following table for the cost analysis of public facilities, outdoor ancillary facilities and outdoor works:

4. The specific estimation process of project cost required for project development:

I. Land cost

A 1。 Land transfer fee: 36.75 million yuan.

A2。 The cost of land relocation is 30001200 = 63 million yuan.

Subtotal: 99.75 million yuan

B, the main project construction costs

B 1, residential commercial housing

Underground works: 49800M2220 yuan/m2 =10.956 million yuan.

Structure: 49800M2600 yuan/m2 = 29.88 million yuan.

Building: 49800M2 145 yuan /m2 = 7225438+0000 yuan.

Mechanical and electrical installation: 49800M2440 yuan /m2 = 2 1, 91.2000 yuan.

Organization expenses: 49800M235 yuan/m2 =1743,000 yuan.

Subtotal: 765,438+0,765,438+0,000 yuan

B2。 Independent underground parking

Underground works: 4760M22800 million yuan/m2 =13.328 million yuan.

Structural engineering: 4760M20 = 0

Building: 4760M270 yuan/m2 = 333,000 yuan.

Mechanical and electrical installation: 4,760m2195 yuan/m2 = 928,000 yuan.

Organization expenses: 4760M240 yuan/m2 =190,000 yuan.

Subtotal14.78 million yuan

B3, public facilities

Kindergarten and nursery:1080m2,700 yuan/m2 = 756,000 yuan.

Convenience store: 945M2 1000 yuan /m2 = 945000 yuan.

Other supporting facilities: 675M2 1000 yuan /m2 = 675000 yuan.

Subtotal 2.38 million yuan

B4。 electric power substation

Equipment:

Transformer: 1500 yuan/kva3200kva = 4.8 million yuan.

Power distribution equipment: high and low voltage switchgear, load switch, switchboard, cable tray, etc.

1000 yuan/kw 3200 kw = 3.2 million yuan.

Imported diesel generator: 1.700 yuan /KW 3200 KW 20% = 1.088 million yuan (capacity is calculated as 20% of transformer capacity).

Subtotal of equipment: 9.09 million yuan

Civil engineering: 200M2800 yuan/m2 = 654.38+600,000 yuan.

Subtotal: 9.25 million yuan

B5。 Outdoor tennis court (36.58m18.29m, *** 1 seat)

Fine stone reinforced concrete base: 50,000 yuan

Polyurethane surface course: 220,000 yuan

Site equipment: 50,000 yuan

Imported lighting system: 6.5438+0.3 million yuan.

Imported purse seine system: 90,000 yuan

Subtotal: 540,000 yuan

Total cost of the main project: 98.66 million yuan.

C, outdoor engineering costs:

Including earthwork, roads, fences, gates, greening, water supply and drainage pipelines, pipe trenches, courtyard street lamps, cables, architectural sketches, etc. , according to the main project cost 12% estimate:

986612% =11.84 million yuan.

D, engineering indirect costs

1. Professional expenses: estimated by 6% of the main project construction cost, 986.66% = 5.92 million yuan.

2. Developer's preparation management fee: estimated as 2% of the main project construction fee, 98,662% =1.97 million yuan.

3. Housing supporting fee: estimated according to the residential construction area of 320 yuan /M2, 49,800,320 =1.594 yuan.

4. Supporting fees for civil air defense construction

The basement of this project can be built with civil air defense facilities in peacetime and wartime, which can be exempted from supporting fees for civil air defense construction according to regulations.

5, municipal construction supporting fees

According to the standard of 120 yuan /M2, namely 120 yuan/m2 52500m2 = 6.3 million yuan.

6. Various fees charged by relevant departments:

According to the standard estimate of 15 yuan /M2, 15 yuan/m252500m2 = 790,000 yuan.

Subtotal: 30.92 million yuan

E. Unforeseen expenses

It is estimated at 5% of the expenses in (a)-(d).

(9975986611843092) 5% = 241175% =12.06 million yuan.

Subtotal A-E: 253.23 million yuan

F, construction loan interest

Assuming that the developer's own funds account for 30% of the construction funds, 25% of the construction funds come from the rolling sales of real estate, 45% of the construction funds come from bank loans, the interest rate of bank loans 1-3 years is 5.49%, and the average occupation time of loan funds is 1.5 years, then the construction loan interest is:

Third, the profitability analysis of project development

Total sales revenue of residential construction projects (sales tax is 8%):

Residential commercial housing: 49,800 m2 26 180 yuan/m2 (1-8%) = 283140,000 yuan.

Independent underground parking space: 654.38+ ten thousand yuan/136 (1-8%) =1251ten thousand yuan.

Subtotal 295.65 million yuan

The development cost of residential construction projects is 262.74 million yuan.

Development profit: 29565-26274 = 329 1 ten thousand yuan.

Profit rate: development profit/development cost = 3291/26274100% =12.5%.

Assume that it will take 2 years for the whole community to complete * * *, and the developer's own funds account for 30% of the project construction funds, namely

2532330% = 75.97 million yuan

Annual profit rate of developers' own funds: development profit/(own funds 2)100% = 3291(75972)100% = 21.7%.

Breakeven analysis:

The breakeven point of the project is: sales revenue = construction and development cost.

The average selling price of the breakeven house is 49800 (1-8%)10000136 (1-8%) = 262740000.

Break-even point average house sales price =5462 yuan/square meter.

That is, after the completion of the property, the average sales price of residential commercial housing exceeds 5462 yuan/square meter, and the development project is profitable.

If the average sales price of residential commercial housing is less than 5462 yuan/square meter after the completion of the real estate, the development project will suffer losses.

So much for the introduction of construction loan interest rate.