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公积金贷款20万20年还清,每月应还银行多少钱?_其他_设计456问答
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公积金贷款20万20年还清,每月应还银行多少钱?

浏览:61次 | 提问时间: 07-21 11:55
公积金贷款20万20年还清,每月应还银行多少钱?
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4个答案
往事莫回味 07-21 11:55

题主好,年:3.33%6-30年:3.87%以贷款20万元10年期为例:使用住房公积金贷款200000元10年,每月应还2020.57元,到期总利息为41508.28元。假如使用商业(银行)贷款,每月应还2408.62元,到期总利息为89034.4元。

07-21 12:04

首先,商业贷款转公积金贷款,你应该己经取得房屋的产权证和土地证,个人的公积金正常汇缴满半年;其次,在上述条件满足的条件,你可以去公积金管理中心领取申请表,去原先贷款的银行查询贷款余额,然后由公积金管理中心审批,再去置业担保公司办理手续,接着去原贷款银行归还贷款,再到公积金管理中心指定你去的银行办理公积金贷款的手续.你可以到当地的房管局问一下实际的情况。延长公积金贷款还款期限,可以使每月的公积金还款额下降,您每月缴纳的公积金冲还公积金贷款后,就能剩余一部分用来冲还商业性贷款。举例来说,假如您家庭的公积金缴存额每月有1000元,打算申请10万元的公积金贷款和10万元的商业性贷款,考量自己的还款能力,您打算都申请10年的还款期限。依照计算,您的公积金贷款月还款额为1023.42元,商业性贷款月还款额为1075.87元,冲抵1000元公积金月缴存额后,您每月要负担的还款额为1099.29元。但假如您延长公积金贷款的还款期限,情况如何呢?下表可以说明问题。您可以发现,公积金贷款的借款期限越长,月还款额就越少,每月冲抵后剩余的金额就越多。这样,您就可以有两个选取,一是保持商业性贷款借款期限不变,减少每月的还款负担。比如,选取公积金贷款还款期限为20年,您每月的还款负担就可以降为717.46元。二是保持月还款负担不变,则可以缩短商业性贷款的还款期限,节省利息支出。比如,7年期商业性贷款的月还款额为1428元,您将公积金贷款还款期延长至20年,就可以在不增加还款负担的情况下,提前还清商业性贷款。计算结果表明,7年期商业性贷款的利息支出要比10年期的少9152.42元。尽管20年期公积金贷款应还利息比10年期的多,但您不用化20年时间还清公积金贷款,等还清商业性贷款后,您可以依照当时自己的公积金缴存额,再申请缩短公积金贷款的还款期限,甚至可以提前还清公积金贷款,这样就能真正做到用足公积金。

桀骜 07-21 12:12

2016年大庆公积金贷款今年最新利率是3.25%按照1万块钱为基数贷款20年来算每月还款56.722020年11月份的公积金利率是4.25%按照1万钱为基数贷款20年来算每月还款61.92少还5.20。价格来源网络,请自行核实!

下予 07-21 12:20

按照最新的贷款利率,公积金贷款五年以上贷款利率为3.25%。贷款20万20年还清详细情况有这些:贷款总额200000.00元还款月数240月每月还款1134.39元总支付利息72253.97元本息合计272253.97元最新贷款利率

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