Four kinds of mortgage repayment methods, Word combinations, one difficult to distinguish between differences that do not understand the pros and cons to this end, in charge of the Sichuan province of China Construction Bank branch to the reporter details the differences between the four:
Equal increment repayment, refers to the customer each phase of the return of principal and interest amount from small to big, applies to weaker early loan repayment ability, expected income is a growing trend of customers; constant decreasing repayment, refers to the customer each return of the amount of principal and interest from big to small, apply early loan repayment ability, expected income does not determine or household spending increasing larger customers.
Equal increment, decrement the repayment period is 3 months, 6 months, 9 months, 1 year.
And now has two kinds of payment methods, in which equal principal repayment, are defined as highest first month payment, monthly later reduced matching principal and interest repayment refers in accordance with the loan term and interest group of the average loan is divided into several equal parts, customer same repayment amount per month.
According to reports, to a total of $ 300,000 and 20-year period of personal housing loans as an example, under the present interest rate level – implementation of the current offer annual interest rate of 5. 508% (0. 9 times times benchmark interest rate) for cases for comparison, customer if used matching decline repayment way, assumptions interval period 6 months, monthly decline amount 50 Yuan, 1th a months repayment principal and interest 2,860 Yuan, all loan principal and interest total 452,529 Yuan; if used matching principal repayment way, all loan principal and interest total 465,928 Yuan; if used matching principal and interest repayment way, all loan principal and interest total 495,604 Yuan; if used matching increment repayment way, assumptions interval period for 6 months, monthly increment 25 Yuan, 1th a months repayment principal and interest total 1667 Yuan, all loan principal and interest total 517,142 Yuan. By contrast, the constant method of the principal and interest burden of $ 43,075 less equal decrements the Fabbi, constant principal law less than $ 13,399.
Four kinds of mortgage repayment methods, Word combinations, one difficult to distinguish between differences that do not understand the pros and cons to this end, in charge of the Sichuan province of China Construction Bank branch to the reporter details the differences between the four:
Equal increment repayment, refers to the customer each phase of the return of principal and interest amount from small to big, applies to weaker early loan repayment ability, expected income is a growing trend of customers; constant decreasing repayment, refers to the customer each return of the amount of principal and interest from big to small, apply early loan repayment ability, expected income does not determine or household spending increasing larger customers.
Equal increment, decrement the repayment period is 3 months, 6 months, 9 months, 1 year.
And now has two kinds of payment methods, in which equal principal repayment, are defined as highest first month payment, monthly later reduced matching principal and interest repayment refers in accordance with the loan term and interest group of the average loan is divided into several equal parts, customer same repayment amount per month.
According to reports, to a total of $ 300,000 and 20-year period of personal housing loans as an example, under the present interest rate level – implementation of the current offer annual interest rate of 5. 508% (0. 9 times times benchmark interest rate) for cases for comparison, customer if used matching decline repayment way, assumptions interval period 6 months, monthly decline amount 50 Yuan, 1th a months repayment principal and interest 2,860 Yuan, all loan principal and interest total 452,529 Yuan; if used matching principal repayment way, all loan principal and interest total 465,928 Yuan; if used matching principal and interest repayment way, all loan principal and interest total 495,604 Yuan; if used matching increment repayment way, assumptions interval period for 6 months, monthly increment 25 Yuan, 1th a months repayment principal and interest total 1667 Yuan, all loan principal and interest total 517,142 Yuan. By contrast, the constant method of the principal and interest burden of $ 43,075 less equal decrements the Fabbi, constant principal law less than $ 13,399.
Banking sector recalled that customers should not simply based on the amount of four kinds of payment methods to pay interest to judge the advantages and disadvantages of each repayment way, because each repayment period of customers on the principal occupation is different, the burden of interest is different, so loans households should first analyze your return of principal repayment ability, speed, and then choose a suitable repayment method.
No comments:
Post a Comment