How to check my mortgage?

You can bring your ID card to the credit department of the loan bank to check your mortgage information. Usually, this way can not only know your loan balance, but also let the bank help print the repayment information within one year. In addition, you can also call the bank's customer service phone to inquire about your mortgage information. Usually, this method can only check the loan balance.

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1. Mortgage loan, also known as house mortgage loan. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.

Loan interest calculation formula

Daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30.

Monthly interest rate (‰) = annual interest rate (%)÷ 12

Current month loan interest = remaining principal of last month * monthly loan interest rate;

Principal paid in the current month = repayment amount in the current month-loan interest in the current month;

Remaining principal of last month = total loan-accumulated principal repayment;

The interest rate conversion formula for RMB business is (note: common for deposits and loans): daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30GK ">2. Monthly interest rate (‰) = annual interest rate (%)÷ 12.

The product interest method accumulates the account balance daily according to the actual number of days, and multiplies the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is: interest = accumulated interest-bearing products × daily interest rate, where accumulated interest-bearing products = total daily balance.

2.20165438+the latest survey data in 20031October 24th showed that according to 10,1,1,1.

3.2065438+In June 2008, Beijing Industrial Bank had outlets to raise the interest rate of the first home loan by 30% compared with the benchmark interest rate. The staff of a branch in Chaoyang District of Industrial Bank said that the current notice of the branch is that the interest rate of the first home loan will rise by 10% on the basis of the benchmark probability. "The interest rates of other outlets are unclear.

4. When buying a house with an equal principal and interest loan, the formula for calculating the monthly repayment amount is: [loan principal × monthly interest rate ×( 1+ monthly interest rate )× repayment months ]≤[( 1+ monthly interest rate )× repayment months].

5. Calculation principle: Starting from the monthly contribution, the bank collects the interest of the remaining principal first, and then the principal; The proportion of interest in monthly payment decreases with the decrease of residual principal, and the proportion of principal in monthly payment increases with the increase, but the total monthly payment remains unchanged.