Should the mortgage repayment be based on the first month’s amount or the last month’s repayment?

Mortgage loan

Interest: 0.86% monthly interest

Quota: 45 times the monthly payment if the mortgage is repaid for 1 to 3 years,

If the mortgage is repaid for more than 3 years, the monthly payment is 70 times.

For those who have not obtained the real estate certificate and have not yet arrived for the delivery date, the maximum limit is 100,000, except for legal persons

Repayment method: equal principal and interest The penalty for early repayment is 5% of the remaining principal

Loan period: 3 years

Conditions: 1. Age 25-55 years old

(ID card The number is 330329, Taishun, Zhejiang, and the first four digits, 3522, Ningde, Fujian, do not match)

2. It is acceptable if you have a real estate certificate and a purchase contract

3. Repayment in equal amounts of principal and interest Mortgage loans are also regarded as home loans, and the mortgage guarantee period is more than five years.

4. There must be no overdue credit report in the current month (the current overdue credit card is less than 1,000)

5. There must be no Ping An in the name Yidai products and Lufax products can be applied after the payment has been made

6. Home loans and mortgages do not need to be local to Suzhou, but there must be real estate in Suzhou

Credit requirements: nearly 2 inquiries No more than three different institutions per month, no more than two loans from small loan companies and consumer finance listed on the credit report and the total amount does not exceed 5,000

Materials:

Below 300,000:

1. ID card 2. Marriage or divorce certificate

3. Real estate certificate or house purchase contract invoice 4. Mortgage contract

5. Credit report 6. Business license ( Legal person)

7. Bank debit card

More than 300,000:

8. Spouse’s ID card

9. Loan purpose entrusted Payment (decoration contract, business license, decoration company account)

10. Premium: 9‰ of the loan amount

Mortgage loan 2

Repayment method 1: First Principal after interest, repay 20% of the principal every year, interest of 1.3%, term of five years;

Repayment method 2: equal principal and interest, interest of 0.718%/month, term of three years;

Repayment method 3: equal principal and interest, interest 0.744%/month, term five years;

Loan amount: 80% or 70% of the appraised value of the property minus the remaining outstanding loan, with an upper limit of 400,000, primary loan 200,000 for a single person;

Liquidated penalty for early repayment: 1% within one year, no penalty for more than one year;

Conditions: 1. Age 18-65 years old

2. The property area is greater than 60 square meters

3. Commercial housing is not allowed

4. Minors and deceased persons cannot be listed on the property certificate

5. One mortgage and two mortgages are not accepted in Zhangjiagang and Taicang, but only one mortgage is accepted in Changshu;

6. Choose one from Xinyidai

7. Location of the property Must have a stable job for more than half a year;

Materials: 1. Real estate certificate, land certificate, production adjustment

2. ID card, household registration book

3. Marriage Certificate or single certificate

4. Income certificate (standard version)