Beijing loan calculation Beijing loan interest rate calculator

There are also many types of loans. First of all, we should know what kind of loans they are.

If it is a commercial loan, the loan is 600,000 yuan, which will be repaid in 30 years, with a monthly payment of 3,200-4,200 yuan; Pay it back in 20 years, with a monthly payment of 4000-5000 yuan.

If it is a provident fund loan, the loan is 600,000 yuan, which will be repaid in 30 years, with a monthly payment of 2,620-3,300 yuan; Pay it back in 20 years, with a monthly payment of 3400-4200 yuan.

Assuming that the benchmark interest rate for five-year loans stipulated by the People's Bank of China is 4.9%, the repayment method of "matching principal and interest" is adopted, and the total interest is 342,399.43 yuan, and the monthly repayment amount is 3,926.66 yuan;

Repayment by "average capital Repayment Method", the total interest is 295,225 yuan, and the monthly repayment amount decreases month by month.

Extended data;

Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans.

This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans.

Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the central bank, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. north

Many commercial banks in Beijing have this business, such as China Construction Bank and Agricultural Bank. The procedures for applying for loans are basically the same.

Personal housing commercial loans are self-operated loans issued by banks with their credit funds.

Specifically, a natural person with full capacity for civil conduct applies to the bank for a commercial housing loan as a loan repayment guarantee when purchasing a self-occupied house in a town in this city, with the purchased property housing (or other guarantee methods recognized by the bank) as collateral. Mortgage loan is a kind of commercial loan.

Personal housing commercial loan is a kind of loan that China citizens apply to the bank for the purchase of commercial housing. According to the relevant regulations of the bank, anyone who meets one of the following two conditions can apply for loan varieties: first, residents who participate in housing savings; Second, the house seller and the loan bank agreed that the real estate guarantee enterprise would provide guarantee to the bank for the residents' house purchase loan.

Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to issue mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life.

According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.

The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period;

Not exceeding the statutory retirement age;

The borrower has a stable economic income and the ability to repay the principal and interest;

The borrower agrees to handle the mortgage registration and insurance;

Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers;

At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.

How to calculate the monthly interest rate of mortgage

Question 1: How to calculate the monthly interest rate of bank loans? The interest rate of 1 is uniformly stipulated by the central bank and implemented by all commercial banks.

Deposit interest = principal interest rate term (note that the interest rate announced by the central bank is in years, and if it is deposited for half a year or in current account, it should be converted into monthly interest rate and daily interest rate).

The calculation of loan interest is more complicated: if it is paid off in one lump sum at maturity, it is the same as the calculation of deposit interest above.

At present, the most talked about calculation of mortgage interest is to use the annuity formula to calculate the monthly payment. The calculation formula of monthly mortgage payment is:

A = p {I (1I) n/[(1I) n-1]} a: monthly contribution p: total contribution.

I: monthly interest rate (annual interest rate/12)

N: Total months of contribution (year × 12)

For example, if you buy a 500,000 house, the first three transactions will be 654.38+0.5 million, and 350,000 will be provided in 20 years. Suppose (pay attention to the actual interest rates of banks) that the annual interest rate I = 5.4%, (I = 5.4%/654.38+0.2 = 0.45%).

Question 2: How is the monthly mortgage interest calculated? I have encountered this problem. I received a text message in June 1. 1, and the mortgage was higher in June 1 than last month. I called the customer service phone of Bank of Beijing, and I couldn't explain clearly. This seems to be the case with many inquiries. If the repayment date is 10, then the remaining 22 days in 12 are divided by 30 times 22 according to the monthly interest rate before adjustment, and then divided by 30 times 9 according to the adjusted monthly interest rate, which is equal to the denominator of 30, and the numerator is 3 1. The conclusion is that the interest exceeds the unadjusted interest last month. Please pay more attention to the possible adjustments before. It is true that the daily interest rate calculated by the bank is calculated according to 360 days, and one more day of interest is charged every year. It is suggested that the People's Bank of China adjust the regulations and put the interest rate adjustment in March 1, so that we can make a profit.

Adopt it

Question 3: How are the annual interest rate and monthly interest rate calculated? Great minds think alike, and your understanding is correct.

Question 4: It is clear how to calculate the mortgage interest and the mortgage calculator agency fee. Mortgage interest is mainly the standard set by the state.

Question 5: How to calculate the monthly interest of the loan? The calculation method is

Interest rates are generally divided into annual interest rate, monthly interest rate and daily interest rate. The annual interest rate is usually expressed as a percentage. For example, the annual interest rate is 7.2%, which means that the principal is 100 yuan, and the accrued interest for one year is 7.2 yuan. The monthly interest rate is usually expressed in one thousandth. For example, the monthly interest rate is 6‰, which means that the principal is 65,438 yuan+0,000 yuan, and the accrued interest is 6 yuan. The daily interest rate is usually expressed in ten thousand units, for example, the daily interest rate is 20/000, that is, the principal is 10000 yuan, and the daily accrued interest is 2 yuan. In the calculation process, it should be noted that the expression of interest rate should correspond to the expression of deposit term. Year, month and day can be converted into each other, and so can annual interest rate, monthly interest rate and daily interest rate: annual interest rate = monthly interest rate × 12= daily interest rate × 360 month interest rate = annual interest rate ÷ 12= daily interest rate× 30 day interest rate = monthly interest rate ÷30= annual interest rate× 360 month interest rate. The principal can be the deposit amount or the loan amount. Time is the actual time of deposit or loan. Interest rate is the ratio of determined interest amount to deposit amount. The calculation method of interest is divided into simple interest and compound interest. The calculation formula of simple interest is: sum of principal and interest = principal ×( 1 interest rate× term) interest = principal × interest rate× term. For example, a depositor's five-year time deposit 1000 yuan, with an annual interest rate of 13.68%. When the deposit expires, the depositor should get interest: 1000. Compound interest is the symmetry of simple interest, that is, after a certain period of time (such as one year), the accrued interest principal is recalculated and accumulated one by one. The calculation formula of compound interest is: the sum of principal and interest = principal (1 interest rate) n where n means periodic interest = principal and-principal. At present, the calculation method of simple interest is still widely used in China.

Question 6: How to calculate the monthly repayment amount of mortgage? Personal mortgage repayment generally adopts matching principal and interest repayment method and average capital repayment method, with the former being the majority.

The equal principal and interest repayment method is adopted, and the calculation formula of monthly repayment amount is:

a=p{i( 1i)^n/[( 1i)^n- 1]}

A: Monthly contributions.

P: total donations

I: monthly interest rate (annual interest rate/12)

N: Total months of contribution (year × 12)

You can check the loan calculator to get the current interest rate of 7.05% and the monthly payment of 6687 yuan. If the interest rate is 6.4%, the monthly payment is 6255 yuan.

Question 7: How to calculate the monthly loan interest rate? Average capital repayment method is a very simple and practical repayment method. The principle of the basic algorithm is to repay the loan principal in equal amount on schedule during the repayment period, and at the same time pay off the interest generated by the unpaid principal in the current period. Repayment methods can be monthly repayment and quarterly repayment. The calculation formula is as follows:

Monthly repayment amount = loan principal ÷ months of loan term (principal-accumulated amount of repaid principal) × monthly interest rate.

If the loan is 45,000 yuan and the loan period is 5 years, for example:

Repay the principal in equal amount every month: 45,000 ÷ (5×12) = 750 yuan.

Interest of the first month: 45,000× (5.58% ÷12) = 209.25 yuan.

The repayment amount in the first month is 750,209.25 = 959.25 yuan;

Interest of the second month: (45,000-750×1)× (5.58% ÷12) = 205.76 yuan.

The repayment amount in the second month is 750,205.76 = 955.76 yuan.

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It can be seen that with the continuous repayment of the principal, the interest on the outstanding principal in the later period will be less and less, and the monthly repayment amount will gradually decrease.

This method was introduced in June 1999 1 and is being gradually adopted by banks.

The equal principal and interest method is relatively simple.

=(45000450005.58%5)/( 125)=959.25

Question 8: How to calculate the monthly mortgage interest The current mortgage interest calculation methods mainly include: equal principal and interest method (average repayment method) and average capital method (decreasing method). What is the connection and difference between the two? The following are introduced separately.

First, the equal principal and interest method: popularly speaking, it is the method of calculating interest by paying the same amount every month.

Advantages: the calculation is simple, the monthly amount is the same, and it is convenient for donors to arrange funds every month.

Principle: the monthly repayment amount is discounted to the loan point according to the current interest rate, and the monthly fixed repayment amount is calculated.

A(P/A，I，N)=P

A- monthly repayment amount

IC-Current monthly interest rate (provident fund interest rate or commercial loan interest rate)

N- number of repayment periods

P- total loan amount

(P/A, I, n)- present value coefficient of annuity (available from the table of present value coefficient of annuity)

For example: 40W 15 loan equal principal and interest method.

All loans are provident fund loans in installments of I = 5.22%/12 = 0.435% n =1215 =180.

Look up the annuity present value coefficient table: (P/A, 0.435%,180) =124.438+0655.

Found A=3209.20

That is, the monthly repayment amount is 3209.2 yuan.

2. Average capital method: it means that the principal paid every month is the same, but the interest is different, so the total repayment amount every month is different. Because the principal is decreasing, the principal and interest paid every month are decreasing.

Advantages: If the service life is long, the overall interest rate is relatively low.

Principle: Monthly repayment amount = fixed principal interest paid every month.

B=P/NI (decreasing)

B- the repayment amount in the first month

P- total loan amount

N- number of repayment periods

I- interest paid

For example: 40W 15 loan average capital method.

All loans are provident fund loans in installments of I = 5.22%/12 = 0.435% n =1215 =180.

b = 400000/ 1804000000.435% = 3962

That is, the repayment amount in the first month is 3962 yuan.

Question 9: Calculation method of monthly loan interest 1. The interest-bearing method with fixed interest settlement refers to the bank's calculation of accumulated loan products according to the loan account balance table at the end of business on the 20th of each month or quarter (the calculation method of loan products is the same as that of deposit products), registration of the loan interest-bearing account table, and calculation of interest at the specified interest rate. The interest-bearing days for regular interest settlement are calculated by calendar days, one day is counted as one day, and the whole year is counted as 365 days or 366 days. Counting the first but not the last, that is, from the loan date to the repayment date. The interest settlement date should be included in the calculation of the interest settlement date. The formula is loan interest = accumulated loan interest product × daily interest rate. For example, a bank issued a short-term loan on May 2, with an amount of 200,000 yuan. Assuming that the monthly interest rate is 4‰ and the term is 4 months, then: ① When the bank pays interest quarterly on June 20th, the accrued interest of the loan is 200,000 yuan ×50 days× 4 ‰ ÷ 30 = 65430. The accrued interest of this loan is: 200,000× 73× 4 ‰ ÷ 30 = 65,438+0,946.67 (yuan) ③ If the bank fails to receive the interest of l333.33 yuan on June 20th, the accrued interest of this loan when it is repaid is: 65,438+0. When the loan is full, it will be calculated on an annual basis, and when it is full, it will be calculated on a monthly basis, and the fraction of the whole year (month) can be calculated on a daily basis. 360 days a year, 30 days a month, a fraction of a day. The calculation formula is: loan interest = loan amount × loan days × daily interest rate.

Question 10: How to calculate the specific monthly repayment amount of bank loans? 3448.38+05 per month.

1.8 million loan, how many times a month for 20 years?

Monthly payment 1 time. Calculated according to the benchmark interest rate of commercial loans of 5.90%: matching principal and interest repayment: the total loan amount is 65,438+0,800,000.00 yuan, the repayment period is 240 yuan, the monthly repayment amount is 65,438 yuan+0,2792.5438 yuan+0,2705438 yuan, and the total interest paid is 65,438 yuan+. Equal repayment of principal: the total loan amount is 65,438+0,800,000.00 yuan, and the number of repayment months is 240 yuan. In the first month, the repayment amount is 65,438 yuan+06,350.00 yuan, with a monthly decrease of 36.88 yuan. The total interest paid is 65,438 yuan+0,066,425.00 yuan, and the total principal and interest portfolio is 2. The total loan is/kloc-0 1800000.00 yuan. Number of repayment months: 240 months. The monthly repayment amount is 13834.09 yuan. Total interest paid 1520 1865438 yuan. The total principal and interest is 3320 1865438 yuan.

1. If you borrow through China Merchants Bank, the specific monthly repayment amount also depends on your loan execution interest rate and repayment method. You can try the monthly repayment of the loan through China Merchants Bank official website or mobile banking. The trial results are for reference only. Mobile banking: log in to mobile banking and click My-All-Assistant-Financial Calculator-Mortgage Calculator; Home page of China Merchants Bank: Real-time financial information-loan interest rate is on the right side of the home page (webpage link), and then click the loan calculator in the lower left corner. Enter the loan amount, annual interest rate, loan term, repayment method and other information, and try to calculate the monthly loan amount. The mortgage is 6.5438+0.8 million, which will be repaid in 20 months.

2.2065438+June 2008, after several consecutive increases, the interest rate of the first home mortgage in Beijing reached a new high. Everbright Bank raised the prime rate to 65438+ 0.3 times of Beijing benchmark interest rate, and Industrial Bank has outlets to raise the prime rate to 30% of the benchmark interest rate. 201June 9, the average interest rate of the first home loan in China was 5.66%, which was equivalent to 1. 155 times of the benchmark interest rate, which was 0.35% lower than last year's 12. Compared with last year's 65438+ 10, the average interest rate of the first home loan was 5.43%, up by 4.24 percentage points. From the perspective of cities, the interest rate of the first loan in seven cities decreased in June 5438+10, which was lower than that in two cities in 20 18+02+07. Following the decline of 12 last year, most cities remained stable at 65438+ in 10 this year.

3. The interest rates of first home loans in first-tier cities such as Beijing, Shanghai, Guangzhou and Shenzhen ranged from 5.09% to 5.57% in June, and the average interest rate of first home loans in Beijing was 5.43%, which was 2 basis points lower than that in February of 20 18. 5.09% in Shanghai, 5.55% in Guangzhou and 5.57% in Shenzhen, all of which were the same as in 65438+February last year. The first-tier cities have not changed much, and the second-tier cities have adjusted greatly. Taking Tianjin as an example, many banks lowered the mortgage interest rate, and the first home loan interest rate was lowered from the previous minimum benchmark 15% to 5%. In addition, in 20 19, 132 of the 533 bank branches (sub-branches) in China raised the benchmark interest rate of the first home loan by 10%, an increase of1compared with last month; 153 banks raised their benchmark interest rates by 15%, a decrease from 65438+ at the end of February last year, and 8 banks raised their benchmark interest rates by 20%, which was the same as last month. The benchmark interest rates of 38 banks rose by 25%, down from last month1; The benchmark interest rates of 20 banks rose by 30%, three times lower than those of 20 18 and 12.

4. The principal of housing loan is 6,543,800 yuan+0.8 million yuan, which will be paid off in 25 years. How much is it a month? If the loan principal is 6.5438+0.8 million, and the term is 25 years, the repayment method of equal principal will be adopted according to the benchmark annual interest rate of the People's Bank of China for loans over five years (under the same conditions), and the monthly payment will be gradually reduced, such as the first phase: 13350, the second phase: 13325.5, and the third phase: 654325. How much is the monthly repayment after 20-year mortgage loan 1 10,000 yuan? The interest rate of the first suite is 1.5%, the repayment method of principal and interest is 1 ten thousand yuan, and the 20-year interest rate is lowered 1.5%. The actual monthly interest rate is 4.208‰, and the monthly repayment is 66.26.66. Total repayment amount159.04 million yuan, interest 590.40 20-year interest rate lowered 15%, and actual monthly interest rate was 4.208%. The repayment in the first month is 8374. 17, with a monthly decrease of 17.53.

Use of loan calculator

When using, you only need to choose the corresponding loan method, fill in the corresponding loan amount, choose the loan term and choose your own repayment method, and you can calculate the monthly mortgage repayment according to the latest loan interest rate. After the calculation of mortgage calculator is completed, you can also view the detailed repayment information. According to the comparison between the average capital repayment method and the equal principal and interest repayment method, the most suitable repayment method can be selected. If necessary, you can also modify the annual interest rate according to the actual situation.

Operating steps of loan calculator:

Step 1: Please choose the repayment method. There are two options: equal principal and interest repayment method and average capital repayment method.

Step 2: Fill in the amount of personal property mortgage loan and choose the term of personal property mortgage loan. Step 3: Choose the mortgage interest rate of personal property according to the latest loan interest rate. Step 4: If repayment details are required, the default repayment details are Yes. If you don't need to display the repayment details, you can chooseNo. Finally, click Calculate to get the monthly repayment amount, total interest and total repayment amount of personal property mortgage loan.

How to use the loan calculator? A formal loan guarantee company in Beijing is committed to providing loans to individuals and SMEs. Its service scope includes real estate mortgage loan, personal mortgage loan and SME loan. With the accumulation of funds, contacts, management experience and extensive business relations with the financial field, 60,000 Wantong has established a solid foundation in the industry and become the most abundant, comprehensive and effective professional organization in the fields of financial business consulting and guarantee.

This concludes the introduction of Beijing loan interest rate calculator and Beijing loan calculation. I wonder if you found the information you need from it?