我要买房.首付了35万.65万银行贷款,贷款30年.每个月我要还银行多少钱?{什么银行比较适合比较优惠}

2025-03-03 20:58:39
推荐回答(3个)
回答1:

个人资质不同,所在地的房地产市场状况不同。各银行会根据具体情况酌定利率浮动比例。没有机构或个人可以确定哪家银行的利率最优惠。

按基准利率5.4%计算。
贷款65万,30年,

每月3650,利息共计66.4万

计算公式为
每期应还款额=【借款本金×月利率×(1+月利率)^还款期数】/【(1+月利率)^还款期数-1】

回答2:

贷款本金:650000元
贷款年限:30年(360个月)
利率不变还清全部贷款的4种情况:
☆按照商业贷款,等额本息计算
年 利 率:6.55%(月利率5.45833333333333‰)
每月月供:4129.84元
总 利 息:836742.06元
☆按照商业贷款,等额本金计算
年 利 率:6.55%(月利率5.45833333333333‰)
首月月供:5353.47元
逐月递减:9.86元
末月月供:1815.41元
总 利 息:640398.96元
☆按照公积金贷款,等额本息计算
年 利 率:4.5%(月利率3.75‰)
每月月供:3293.45元
总 利 息:535643.62元
☆按照公积金贷款,等额本金计算
年 利 率:4.5%(月利率3.75‰)
首月月供:4243.06元
逐月递减:6.77元
末月月供:1812.33元
总 利 息:439968.75元

什么银行比较适合比较优惠?
你这个问题恐怕就是一般的银行工作人员也没谁敢给你一个准确答案.一方面利率打不打折,打多少折是由中央调控的力度和房贷市场说了算的,另一方面,这应该是只有当地各银行少数几个决策的人决定的事,再说了,每一个地方,不同的银行打折幅度/打折时间/打折条件都是不一样的.唯一的办法就是你打当地各个银行的客服电话来咨询.附各银行客服电话工商银行 95588 中国银行 95566 农业银行 95599 建设银行 95533 广东发展银行 95508 上海浦东发展银行95528 中信实业银行 95558 邮政储汇局 11185 兴业银行 95561 深圳发展银行 95501 上海银行 962888 民生银行 95568 交通银行 95559 华夏银行 95577 光大银行 95595 招商银行 95555 直接拔打是本地的,有些银行加拔区号可打到异地银行.祝你成功!!!

回答3:

按照2015年最新的贷款基准利率5.4%,月还款额是3649.95元。现在有部分银行实行首套房贷款利率,如中国银行、工商银行、农业银行、广发银行等可执行9折利率,即在基准利率基础上打九折,折后利率为4.86%,按照折扣利率计算,月还款额为3433.94元。

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