Hangzhou combined loan calculator

Hangzhou Provident Fund Loan Calculator

The amount of the provident fund loan, according to the ability to repay the loan, the house price into the number of housing prices, housing provident fund account balances and the loan maximum limit of the four conditions to determine the minimum of four of these conditions is the maximum amount of the lender can be loaned.

Public Provident Fund loan amount and its calculation method:

[(borrower's total monthly salary borrower's unit housing fund monthly contribution) × repayment capacity factor - borrower's existing loan monthly repayment total amount] × loan period (months);

Using the spousal amount of: [(husband and wife's total monthly salary husband and wife's unit housing fund monthly contribution) ×x repayment capacity factor - the total monthly repayment amount of the couple's existing loan] x loan period (months);

Repayment capacity factor of 40%, the total monthly salary = monthly CPF contribution ÷ (unit contribution ratio personal contribution ratio);

Loan amount according to the price of the house, the formula is: Loan amount = price of the house x the loan-to-value ratio.

Housing Loan Calculator Formula

Housing Loan Calculator formula is as follows:

Equal principal and interest: [Loan Principal x Monthly Interest Rate x (January Interest Rate) ^ Number of Months of Repayment] ÷ [(January Interest Rate) ^ Number of Months of Repayment - 1]

Equal Principal: Monthly Repayment Amount = (loan principal / number of months of repayment) (principal - the cumulative amount of returned principal) × monthly interest rate where ^ symbol indicates the multiplier. 2 months is 2 times the square.

Expanded information:

A, repayment of mortgage early repayment how to pay back the most cost-effective:

1, pure provident fund loan customers, it is not recommended to pay back the loan early.

2, the combination of loans, according to their actual situation, the general bank to give customers have three early repayment opportunities, it is best to use the two will be their own commercial loan partially repaid, retaining the CPF loan.

3, pure commercial loan customers, according to the interest rate calculation 20 years equal principal and interest is the most appropriate.

Supplementary information:

1. Pure CPF loan customers are not advised to repay their loans early. This is because CPF can only be used for home purchase and renovation loans, which are short-term in nature. CPF loan interest rate is only 3.25%, no matter what kind of financial gains are greatly exceeded the interest rate of the loan, so for me is favorable.

2, combination loan, according to their own actual situation, the general bank gives customers have three early repayment opportunities, it is best to use the two will be their own commercial loan partially repaid, retaining the CPF loan. Monthly repayments are deducted directly from the CPF account to save money and maximize returns. But I had better communicate with the bank in advance to repayment matters, it is best to go to the bank in person to consult. State-owned large banks basically have early repayment of the default penalty and the initial early repayment to the initial _ hoops 1 year later, generally 3 months or 6 months interest, to be prepared in advance.

3, purely commercial loan customers, according to the interest rate calculation 20 years equal principal and interest is the most appropriate, if the customer chooses to equal principal or 30 years equal principal and interest, advance planning will be the total amount of the loan will be narrowed down to 400,000 principal or so, so that the monthly repayment of about 2,200, will not affect their own family life, to ensure that the quality of life of the family. It is best to use only two early repayment, or sell the house when you will not be able to early repayment and transfer.

Public Provident Fund Loan Amount Calculator, Calculation Formula

Because of the differences in the policies and requirements of various local housing provident fund management centers for personal housing provident fund loans, if you need to know the relevant formula for calculating the amount of public provident fund loans, please consult the public provident fund management center, or the local business branch of the Bank of China.

The above content is for your reference, please refer to the actual business regulations.

Hangzhou Housing Loan Calculator

If you would like to try to calculate the "Monthly Payment/Loan Interest" information for reference, please go to the homepage of China Merchants Bank and click on "Financial Calculator" on the right side. "Click on "Personal Loan Calculator" on the right side of the page and try to calculate the interest rate using the current prime rate of the loan.

Public Provident Fund Loan Amount Calculator Hangzhou

Guangzhou workers to buy their own housing public provident fund loan loan amount should be the same as in line with the limit of the standard:

Yes. Higher than in accordance with the housing provident fund contributions to calculate the loan amount calculation formula:

Account balance × bar monthly contributions × retirement age months

II. Higher than the high amount of housing provident fund loans

Apply for housing provident fund loans high amount of 500,000 yuan

Two or two purchases of the same set of owner-occupied housing *** with the same application for housing provident fund loan loan amount per application for loan amount high amount of bar 0 million yuan

Three. Higher than the reference to differentiated housing credit policy to determine the loan amount

(I) apply for housing fund loans to purchase the first set of ordinary owner-occupied housing paid employee families (including borrowing, spouse and not the same) low down payment ratio of two 0% loan interest rate housing fund loan benchmark interest rate;

(II) have a housing loan record or have a set of housing and has been settled the corresponding home purchase loan paid employees Family applying for housing fund loans to buy ordinary owner-occupied housing low down payment ratio of three 0% loan interest rate housing provident fund loan benchmark interest rate according.

(3) the ownership of housing has not yet settled the corresponding purchase loan family apply for housing fund loans to buy ordinary housing loans low down payment ratio of 40% loan interest rate housing fund loan benchmark interest rate according to. The same time

Four. Suspension of the issuance of family purchase of the third and housing provident fund loans

Hangzhou combination loan interest how to calculate the general divided into two parts of the calculation

Everyone in the application for a loan, the most concerned about how much the loan interest, especially the application for housing loans. For Hangzhou people have been very concerned about the combination of loan problems, today for friends to introduce a combination of Hangzhou loan interest how to calculate, for your reference.

Hangzhou combination loan interest how to calculate

As we all know, Hangzhou combination loan is composed of two parts of the provident fund loan and commercial loan. Then, the interest calculation is also divided into two parts. The provident fund loan part is calculated according to the loan interest rate of the provident fund center, and the commercial bank loan part is calculated according to the loan interest rate of the commercial bank.

Hangzhou combination loan in the interest rate of provident fund loans

Hangzhou housing provident fund loan interest rate for less than five years for more than five years Hangzhou housing provident fund loan interest rate for the second suite loan interest rate will be upward fluctuation of 10 percent. That is to say, the interest rate is 3.025% and 3.575% respectively under the two loan terms.

Hangzhou combination loan in the commercial bank loan interest

Because commercial banks have a certain since of the loan interest, so, the mortgage interest rate will be different between commercial banks. However, all commercial bank loan interest rates are floating on top of the central bank lending benchmark interest rate, the overall difference will not be too big. The central bank lending benchmark interest rate within one year for one year to five years for more than five years for us through an example to see how to calculate the interest rate of Hangzhou combination loan. If the use of a combination of loans of 1 million yuan to buy a first suite, of which 800,000 yuan of provident fund loans, commercial bank loans of 200,000 yuan, the loan period of 10 years. Then, the 800,000 yuan of the provident fund loan according to the annual calculation of interest, the 200,000 yuan of commercial bank loans according to the annual calculation of interest.

The introduction of Hangzhou combination loan calculator and Hangzhou buy real estate combination loan interest rate ends here, I don't know you find the information you need from it?