Lend 300,000 yuan to CCB, and pay it off in 15 years. How much should I pay back every month?
Matching principal and interest repayment method:
Pay the principal and interest of 2663.055438+07 yuan per month.
Accumulated interest paid 17949.338+0 yuan.
The accumulated repayment amount is 479,349.365,438+0 yuan.
I borrowed RMB 6,543.8+0.5 million from China Construction Bank, and paid it off at RMB 654.38+05. How much should I pay back every month?
Calculated at 15% discount on the interest rate of the first suite.
150000 15 equal principal and interest loan method
Monthly repayment amount 1 190.02
The total repayment amount is 2 1.42 million yuan.
The interest is 64200 yuan
150000 15 average capital lending method
The repayment in the first month is 1464.46, with a monthly decrease of 3.5 1 yuan.
The total repayment amount is 207 1 1,000 yuan.
Interest: 5765438 yuan+00,000 yuan.
I hope I can help you! The answer comes from: Baidu real estate exchange group, so stay tuned!
How much will it cost to pay off the loan every month in 760? Borrowed 76 thousand and paid it off in ten years. How much should I pay back every month?
At first glance, I thought it was a loan of 70,000 yuan, but it was originally a loan of 76,000 yuan paid off in 60 years, 10 years. There are many calculators for monthly repayment on the Internet. You can do it yourself. But you need to know the benchmark interest rate and the loan discount you can get.
How much should the provident fund loan be repaid every month for 40 10 years?
Brother, you have to add interest to work out the monthly money.
You divide each year into 10 years and 12 months, which is 120 months, and then you divide it into 120 months with 40W.
How much will the CCB loan be paid off every month within ten years?
According to the benchmark mortgage interest rate of 6. 15% for more than 5 years, the principal and interest will be repaid in equal amount, with a monthly repayment of 4 135.68 yuan, and the principal will be repaid in equal amount of 4,979.58 yuan in the first month, and the monthly repayment will be less than 15.8 yuan thereafter.
How much should the CCB loan of 300,000 15 be repaid?
Different repayment methods lead to different repayment amounts.
At present, the two most commonly used repayment methods are equal principal and interest repayment method and average capital repayment method.
1.
Matching principal and interest repayment method: that is, the borrower repays the loan principal and interest with the same amount every month. In this way, at the initial stage of repayment, the interest expense is the most, and the principal is relatively small. In the future, with the gradual reduction of monthly interest expenses, the returned principal will gradually increase.
2.
Average capital repayment method, that is, the borrower repays the same amount of loan principal every month, and the interest decreases month by month with the principal, and the monthly repayment amount also decreases month by month.
Summary: Under the condition of the same loan time, the interest paid by the equal principal and interest repayment method is higher than that by the average capital repayment method. Therefore, if you plan to repay in advance, you'd better choose the average capital repayment method. Depending on the repayment method, the borrower can choose to reduce the mortgage loan for this period or reduce the mortgage loan in full.
The post office loan interest rate is 4.8%. How much should I pay back every month after 80 thousand years of loan?
The total loan amount is 80,000, assuming the annual interest rate is 4.80%. The loan term is 65,438+00 years: the monthly repayment amount of principal and interest is 840.72 yuan, the total repayment amount is 65,438+000,886.4 yuan, and the interest payable is 20,886.4 yuan. The interest paid in the first month is 320, and the principal paid in the first month is 520.72; The interest paid in the second month is 365,438+07.92 and the principal paid in the second month is 522.8.
240,000 CCB mortgage, how much should I pay back every month for eight years?
1.248 million years, when the commercial loan is paid off, the monthly payment is 3,026.97 yuan, the total interest is 50,588.9 yuan, and the total repayment is 290,588.9 yuan according to the current benchmark interest rate of 4.9.
2. Matching principal and interest refers to a repayment method of a loan, that is, the same amount of loan (including principal and interest) is repaid every month during the repayment period.
3. The formula for calculating the monthly repayment amount of equal principal and interest is as follows:
[loan principal × monthly interest rate ×( 1 monthly interest rate) repayment months ]=[( 1 monthly interest rate) repayment months].
The total house price is 220,000 yuan, the down payment is 90,000 yuan, and the loan from China Construction Bank will be paid back in 0/5 years. How much will it be paid back every month?
The bank loan interest rate is comprehensively evaluated according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. Under the current policy, the first suite is generally calculated according to the benchmark interest rate. After the adjustment on April 6th, the interest rate for more than five years is 6.80%, and the monthly interest rate is 6.80%/ 12.
Monthly repayment13000015 (180 months):
1300006.80%/ 12 ( 16.80%/ 12) 180/[( 16.80%/ 12) 65438.
Description: 180 is the power of 180.
Due to income reasons, one can consider extending the repayment period, and the other is whether the provident fund loan can be used.
Pay off the mortgage of CCB11kloc-0/5. How much should I pay back every month?
Waiting amount for debt service
The total loan amount is 1 10000 yuan.
The total repayment amount is 155547.66 yuan.
Pay interest of 45,547.66 yuan.
The loan period is 180 months.
The monthly repayment is 864. 15 yuan.
300,000 yuan loan for 20 years, how much more interest than 15?
Loan in CCB 15, with a loan of 300,000 yuan, and the interest rate paid every two weeks is 5.55%. What is the repayment rate after the interest rate cut?
The central bank announced today that it would cut the interest rate by 1.08 percentage point. The adjusted interest rate for more than five years is 6. 12%, depending on how much discount the bank gives you. If it is 0.8, your interest rate can be lowered to 5.550.8, and the loan interest rate will be lowered from 1 next year.
(2)15-year CCB loan interest.
According to the latest interest rate cut by the central bank (2065438+200565438+1October 24th), the latest annual interest rate of CCB's one-year time deposit is 1.5%. Other contents are as follows:
current deposit
0.35%
The lump-sum time deposit is:
Three months:
1. 10%
Half a year: 1.30%
One year: 1.50%
Two years: 2. 10%
Three years: 2.75%
(3) What is their monthly loan of 300,000 yuan from CCB to buy a house for 20 years or 15 years?
You didn't say how much interest rate China Construction Bank could give you. If the benchmark annual interest rate is 6.55%, it will not go up or down.
Then the monthly payment for 20 years is 2245.56 yuan.
15 years is 262 1.58 yuan.
(4) Is the interest rate of CCB's 30 15 mortgage 20 18 high?
Not tall. Pay back the money on time
5] CCB loaned 300,000 yuan, and the interest in 2005 was 4.5+65,438. How much interest should I pay?
About 17 1883.54 yuan per month, and about 17339 1.27 yuan per quarter.
[6] The loan of CCB is 300,000 yuan, with an average capital of 15 years. How much do I need to pay back every month? Thank you.
Calculated by the annual interest rate of 4.90%, the repayment method of the equivalent principal is: loan for 22 years, repayment in the first month 157 1 yuan, and then decrease by 3.09 yuan per month. In 22 years, the total repayment was 30,7391yuan, of which the principal was 200,000 yuan and the interest was 1739 1 yuan.
I want to borrow 300,000 yuan from China Construction Bank. How much should I pay back in 2005?
Different repayment methods lead to different repayment amounts.
At present, the two most commonly used repayment methods are equal principal and interest repayment method and average capital repayment method.
1.
Matching principal and interest repayment method: that is, the borrower repays the loan principal and interest with the same amount every month. In this way, at the initial stage of repayment, the interest expense is the most, and the principal is relatively small. In the future, with the gradual reduction of monthly interest expenses, the returned principal will gradually increase.
2.
Average capital repayment method, that is, the borrower repays the same amount of loan principal every month, and the interest decreases month by month with the principal, and the monthly repayment amount also decreases month by month.
Summary: Under the condition of the same loan time, the interest paid by the equal principal and interest repayment method is higher than that by the average capital repayment method. Therefore, if you plan to repay in advance, you'd better choose the average capital repayment method. Depending on the repayment method, the borrower can choose to reduce the mortgage loan for this period or reduce the mortgage loan in full.
What is the loan interest rate of China Construction Bank? 10 is the same as 15?
The interest rate of medium and long-term loans with a term of more than 5 years is the same. The current annual interest rate is 6.60%. If you choose to shorten the term, you need to communicate with the handling bank about your loan.
What is the interest rate of CCB? I will repay the mortgage of 230,000 yuan in installments by 10 and 15. How much is the monthly payment?
Take a look at it directly and you can see it at a glance.
⑽ What is the housing loan interest rate of CCB? 10 years, 15 years, what are the loans for 20 years?
The loan interest rates for 10 years, 15 years and 20 years are the same. The annual interest rate of the first suite is 6.66%.
The second loan is 7.83%. If it is a mortgage loan, the first loan is 7.83%.
Why did you give CCB a loan of 300,000 yuan to settle in stages?
A loan of 300,000 yuan from China Construction Bank is paid in installments, which means you are applying for a loan. Just read the loan contract carefully.
CCB's housing installment loan can only be used by designated merchants.
I. Installment payment business
Refers to the business that the cardholder applies to use his credit card to purchase goods or services (including decoration, building materials, furniture, home appliances, wedding, education and training, tourism, department stores, etc.) at the merchants designated by CCB. ), and with the approval of CCB, the cardholder pays the settlement money at the merchants designated by CCB through the special installment POS machine, and the corresponding transaction amount is divided into several installments on average, and the cardholder repays the money every month within the agreed time limit and pays a certain handling fee.
Second, two housing modes in stages.
(1) You can choose a decoration company that cooperates with CCB to contract materials and pay the decoration company in one lump sum.
② You can also choose a number of merchants such as tiles, wallpapers, cabinets, furniture and home appliances that cooperate with CCB. Purchase materials and decorate yourself.
Three. Number of installments, amount, purpose and handling fee
① Number of periods: 6 periods, 12 period, 18 period, 24 periods, 36 periods, each period is one month.
(2) Quota and purpose: the applied quota is more than 20,000 yuan (inclusive) 1 10,000 yuan (inclusive), and the validity period of the quota is 6 months from the loan date; You can swipe your card at different merchants for many times, but the amount of each swipe must not be less than 1000 yuan.
③ Handling fee: the total handling fee rate is 2% for 6 months, 4.5% for 1 year, 6% for 18 months, 8% for 2 years and 0/2% for 3 years. The handling fee rate borne by the merchant shall not be less than 1%, and the rest shall be borne by the customer.
Fourth, business characteristics
① Special credit line-exclusive installment credit line, which does not affect customers' use of fixed credit card line.
(2) Flexible use-A number of designated cooperative merchants use it flexibly. Compared with the entrusted payment method of personal loans, customers have a wider range of consumption.
③ Simple procedures-exclusive one-stop channel for handling, and customers' application procedures are simple and quick.
Verb (abbreviation for verb) Information required for customer application.
① Application Form for Installment Payment of Longka Credit Card;
② Identification;
(3) Copy of CCB credit card (double-sided);
4. Financial certificate;
5 real estate license;
⑥ Letter of Commitment for the installment payment of Longka Credit Card;
⑦ Face-to-face questionnaire for installment payment of Longka credit card.
Note: the applicant who needs to decorate the house must be the owner himself and the owner's spouse, parents, children, etc.
Lending and use of intransitive verbs
① After CCB receives the customer's complete application materials, it can pay by credit card. It takes about 18 working days for customers with cards and 15 working days for customers without cards.
(2) In the process of examination and approval, CCB staff should contact the applicant to check the relevant information of the application, and ask the applicant to keep the contact telephone number open after submitting the application, so as not to affect the time limit for examination and approval.
(3) After the approval, CCB will notify the cardholder of the credit line by SMS and telephone. The cardholder takes the CCB credit card to the cooperative merchant and pays by swiping the card with the CCB POS machine. The special amount can be used several times according to the progress of the renovation project, but the amount of credit card swiping each time cannot be less than 1 1,000 yuan. At the same time, pay attention to the number of periods and handling fees listed in the POS receipt after swiping the card.
Seven. Charge and repayment
① The "0" interest, "0" down payment and handling fee of the housing installment payment business will be collected in one lump sum at the time of the first repayment, and the unused amount will not be paid.
(2) For example, the customer swipes the card for one year at 16, with the interest rate of 3.5%, the billing date is 17 June, and the due repayment date is the 7th of the following month. Total repayment amount for the first repayment = 65438+100000 yuan, 3.5% 65438+1000000 yuan/12 = 35008334 yuan =1/834 yuan,/kloc-.
What are the conditions for China Construction Bank to lend 300,000 yuan?
1. Generally speaking, the borrower should have an account in the loan bank. You should provide the borrower's work unit, position and income, and explain the high income of your spouse or family, so that the bank thinks that you have strong repayment ability.
2. The loan amount applied must be commensurate with the borrower's family income. In the case of equal monthly repayment, we should pay attention to the matching of loan term and loan amount, so that the ratio of monthly repayment amount to the monthly income of the borrower or his family is reasonable.
3. If a natural person guarantees, the guarantor's certificate, registered permanent residence, monthly income, family loan and guarantee, and the relationship with the borrower shall be provided. Where a legal person guarantees, a copy of the legal person's business license, business scope, financial status, contact address and relationship with the borrower shall be provided.
4. For the collateral, the ownership certificate of the collateral and the appraisal value of the collateral shall be provided; If the collateral is owned by others, the proof of the owner's authorization to mortgage shall be provided.
Pledged goods must be controlled by the lending bank. For example, if a certificate of deposit is used as pledge, the certificate of deposit provided must be issued by the lending bank, and banks generally do not accept certificates of deposit from other banks as pledge.
Meet the above conditions, you can apply for a loan from the bank, with an annual interest of 300,000 yuan, calculated at the agreed interest rate.
You can also go directly to your local CCB and ask.
General: 1, with money to pay the down payment; 2. Have a fixed job (income certificate issued by the company), and the monthly income 1/2 is greater than the monthly payment. 3. It is better to have other fixed assets with ownership. 4. Guaranteed by the guarantor. 5. The bank has no bad credit record.
Can China Construction Bank borrow 300,000 yuan online?
China Construction Bank can apply for loans through mobile banking APP, WeChat official account and other channels. Users with excellent credit qualifications can apply for a one-time loan amount of 300,000 yuan. Of course, it will be more difficult for users to apply for credit loans and get a loan amount of 300,000 yuan, but it will be easier to apply for mortgage loans or secured loans and get a loan amount of 300,000 yuan.
Therefore, users can try to apply for several types of loans. As long as the final loan amount reaches 300,000, the demand for loan funds will be met.
The mortgage loan of CCB is 300,000 yuan, which will be repaid in 20 years. How much is the monthly payment? How much is the interest?
Matching principal and interest method: loan principal: 300,000 yuan, assuming annual interest rate: 4.900%, loan life: 20 years; Monthly repayment amount of principal and interest: 1, 963.33 yuan, total repayment amount of principal and interest: 47 1, 654,38+0,999.2 yuan, * * interest payable:
The interest paid in 1 month is:1225; The first 1 month principal repayment is: 738.33; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)
2065438+On June 7, 2002, the central bank issued an emergency document to commercial banks, requiring them to raise the interest rate of individual housing loans by 7A64E4B893E5B19E313334331353962, and the lower limit of the range is still 0.7 times of the benchmark interest rate. Commercial banks will implement the new interest rate: if the loan term exceeds one year, they will extend the loan information.
Housing loans mainly include the following:
1. Housing provident fund loan: For residents who have already paid the housing provident fund, low-interest housing provident fund loans should be the first choice when buying a house. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. In other words, there is a spread between the mortgage interest rate of the housing provident fund and the bank deposit interest rate. At the same time, when handling mortgage and insurance related procedures, the housing provident fund loan will be charged by half.
2. Personal housing commercial loans: The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans. The loan interest rate is adjusted once a year at 65438+1 month1. During the loan period, if the benchmark interest rate is not adjusted, the loan interest rate is not adjusted. On March 20 17, Beijing 16 Bank cancelled the 10% discount on the first home loan interest rate and adjusted the first home loan interest rate to 9.5%.
So much for the introduction of CCB's 300,000 loan.