A few days after the agricultural bank loan was issued.

Repayment will start one month after the loan of Agricultural Bank of China is issued;

1. After the loan is released, the bank will call the lender, send a short message, tell the lender that the bank loan has been released, and inform the repayment time, as long as the monthly payment is deposited in the card before the repayment date.

2. If the loan is repaid on a daily basis, the repayment date shall be the next month corresponding to the loan date. For example, 1 Lending, and repayment will start next month 1. If it is a fixed date repayment, it is a fixed date repayment every month!

3. Since 20 16, the calculation formula for the mortgage of Agricultural Bank is:

The calculation formula of monthly repayment amount is as follows: [loan principal × monthly interest rate ×( 1+ monthly interest rate )× repayment months] ÷ calculation formula of average capital loan: monthly repayment amount = (loan principal/repayment months)+(principal

4. Agricultural Bank mortgage related information

According to reports, recently, some financial regulatory authorities said that under the condition that the differentiation policy of individual housing mortgage loans has not changed, they are emphasizing the authenticity review of the information of housing mortgage lenders, and at the same time require the amount of individual housing mortgage loans to decrease incrementally every month. In other words, in the future, the total amount of personal housing mortgage loans will gradually decline until a reasonable level.

Then why does the regulatory authorities require domestic commercial banks to gradually reduce housing mortgage loans every month? It is estimated that the most important things are the following considerations. That is to say, since the beginning of this year, not only personal housing mortgage loans have grown too fast, but also housing mortgage loans have accounted for an increasing proportion of loans.

For example, central bank data show that personal housing mortgage loans increased by 3.63 trillion yuan in the first three quarters, an increase of 1.8 trillion yuan year-on-year, an increase of 50%. Among them, it increased by 475.9 billion yuan in September, an increase of 205.5 billion yuan year-on-year. The scale of housing mortgage loans of listed banks has increased substantially. The third quarterly report of listed banks shows that the scale of personal loans of banks has increased substantially, many of which come from the rapid growth of personal housing mortgage loans. For example, CITIC Bank said in the third quarterly report that at the end of September, the personal housing mortgage loan of CITIC Bank increased by 65.438+026.629 billion yuan, an increase of 47.09% over the end of last year.

Then why is the personal loan of domestic commercial banks growing so fast or crazy? Most importantly, for housing mortgage loans, domestic banks regard such loans as quality assets. Because, in their view, this kind of loan not only has low transaction cost, but also has low loan risk. At present, the overall performance of domestic banks is declining, and the scale determines the competitiveness of banks. Which bank has a high proportion of housing mortgage loans, its performance is naturally good. But this consideration is based on the fact that the price of the real estate market will only rise and not fall. If house prices rise, then housing mortgage loans can certainly be regarded as high-quality assets. If house prices fall, the situation is another matter.

For the current real estate market in China, stimulated by the excessive expansion of real estate credit policy, a large number of bank funds poured into the real estate market, which led to the crazy rise of housing prices in many cities in China and the growing real estate bubble. Judging from the ratio of real estate investment to GDP, the ratio of house price to income, and the ratio of house rent to sale, the real estate market bubble in China has reached an appalling level.

For example, the proportion of China's real estate investment in GDP has been very high, with 14.8% in 20 13 years and 14. 18% in 20 15 years. Starting from 1960, all countries in the world with real estate investment accounting for more than 6% of GDP have finally burst their real estate bubbles, without exception. When Japan's real estate bubble burst, real estate investment accounted for only 9% of GDP; When the American subprime mortgage crisis broke out, this proportion reached a local peak of 6.2%. The current real estate bubble in China is much higher than that in Japan and the United States.

And the ratio of house price to income. Refers to the ratio of the total house price to the annual household income. Used to judge the sustainability of residents' housing consumption demand. According to the available data, among the global 102 countries or regions, China is 24.98, ranking sixth in the world; The United States is 3.37, ranking 99th. China's Shenzhen is 67, Xiamen is 40, Shanghai is 39, Beijing is 34 and Sanya is 32, which is incredibly high compared with the world average.

Then there is the rental-to-sale ratio. It is the ratio of the selling price of the house to the monthly rental price. The international standard is usually 1: 100 to 1: 200. At present, the index of the top 20 cities in China is higher than 1: 300, among which the first place in Shenzhen is 1: 732 and the third place in Beijing is 1: 625. Judging from these figures, it not only means that the real estate bubble in China is huge, but also means that the real estate bubble in China has reached a very horrible state.

Facing the huge bubble in China's real estate market, the the Political Bureau of the Communist Party of China (CPC) Central Committee meeting recently proposed to curb the domestic asset bubble and the real estate market bubble again. Credit policy and tax policy are the best tools to curb the bubble in the real estate market. The real estate credit policy has both price tools to raise interest rates and quantitative tools to control the inflow of bank funds into real estate. It can be said that the regulatory requirements to reduce the inflow of bank funds into the real estate market through personal mortgage loans is a quantitative way to control the scale of capital inflows.

Gradually reduce the amount of funds flowing into individual housing mortgage loans. The word "step by step" here means that controlling the bank capital flow in the real estate market is not a sudden stop, but a gradual process. Because, for the huge real estate market in many cities at present, once the way of braking is adopted, it may trigger a chain reaction to the real estate market, leading to a sudden and rapid decline in house prices, which in turn leads to the sudden bursting of the real estate bubble and the economic crisis in China. Therefore, the policy intention is to gradually squeeze out the real estate bubble and reduce market shocks by adopting a gradual reduction method.

The original intention of the regulatory authorities to require the total amount of personal housing mortgage loans to continue to decline is good, but whether it can achieve its effect is still quite uncertain. This is not only whether the current control policies can be sustained, but also whether these policies can change the expectation of the current real estate market price increase and make the real estate price fall. If so, then the adjustment of the real estate market will begin. If this is not the case, if housing investment speculators regard this policy as a way for the government to stabilize housing prices, and think that when this way finally affects GDP growth, the government may let funds flood into the real estate market again, which will inevitably lead to the expectation of rising housing prices unchanged, and housing prices will not fall. In this case, these policies will not achieve the expected results. Therefore, the regulatory authorities demand to reduce the inflow of personal housing loans month by month, which has a certain impact on the real estate market, but its impact is quite uncertain.