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  • Which cost-effective principal and principal and interest repayment is cost-effective?

    If you plan to repay 10W in one lump sum after three years, you use a provident fund loan of 18.8W, 15 years of repayment, equal principal and interest, and a monthly payment of 1378.4 yuan. After 3 years, the principal you owe the bank is 158,576.78, equal principal If you wait for 15 years, the monthly payment for each month in the first 7 years is reduced from 1675.74 to 1377.91. The bank generally stipulates that the repayment amount cannot exceed 50% of your monthly income, so it will not be loaned for 15 years ...

  • Equal principal and interest repayment in advance

    Willing to calculate it for you carefully. . . You still have a little trouble to calculate this. In the four months of 2008, the interest rate should be calculated at the September rate; in 2009, according to the latest interest rate, the total loan amount starting in 2009 should be 278,000 yuan, excluding the four that have been repaid in 2008. The principal of the month (this estimate is a bit troublesome for you to calculate), the following will give you a segmented calculation: First, the loan started in September 2008, will the 2008 be 9, 4, 10, 11, 12 repayment ...

  • I would like to ask, how to repay the principal and interest of the provident fund loan in advance?

    You need to provide the following materials for early repayment, and go to the local housing provident fund management center for early repayment. 1. Information of the borrower (1) Three copies of the borrower's ID card and photocopy; (2) The borrower's housing provident fund card; (3) The borrower who has not completed the repayment of the housing provident fund (combination) loan counter and withdraws the registration business, and must provide the recent Loan repayment certificate or "Personal Housing Provident Fund Loan Payment Certificate (Debit)", Mortgage Loan Receipt from Portfolio Loans (collectively referred to below ...

  • Is it cost-effective to repay the principal and interest of the provident fund in advance?

    The earlier and more you have to repay, the more interest you save! Your loan is 520,000, 30 years, the interest rate is 6.80%, and the monthly repayment amount is 3390.01 yuan according to accurate calculations. If you repay for 30 years ( Assuming the interest rate is unchanged), the total interest is 700,403.95 yuan. If you make partial repayment of 100,000 yuan in advance at the end of this year (December), the monthly repayment amount or loan period will be recalculated: 1. The loan period will not change, and the monthly repayment amount will be changed. weight...

  • Is it cost-effective to repay in equal principal and interest? Is it appropriate to repay the principal and interest loan in a few years in advance?

    The landlord's repayment period and interest rate are unknown, so it is better to search for "early repayment calculator". Generally, the earlier the interest rate is saved, the shorter the period is, and the more it is saved. Generally speaking, it is better to make the principal and interest more cost-effective before the one-third period (for example, the 15-year period, and you can apply for advancement before five years); A large part of the interest is interest, and the principal is left behind (you can't save much ...

  • Is it possible to repay the mortgage principal and interest in advance? Choose the same principal and interest or the same principal in advance to repay the loan

    Each of the two repayment methods has its own advantages and disadvantages. It is best to choose the repayment method that suits you according to your income. The algorithm has two different repayment methods. The equal principal repayment method is to allocate the principal to each month and pay off the interest between the last repayment date and the current repayment date. Taking a loan of 300,000 yuan and a term of 20 years as an example, based on the current benchmark annual interest rate of 6.55% for loans over five years, the monthly principal repayment is 1,250 yuan. Interest rate for the first month ...

  • Is it cost-effective to repay the mortgage principal and interest in advance? What do I need to pay attention to?

    Advantages and disadvantages of equal principal and interest 1. Advantages: If the equal principal and interest repayment method is adopted, the same amount is repaid each month. As a lender, the operation is relatively simple, and it is convenient to arrange the income and expenditure by bearing the same amount each month. Of course, the repayment pressure of equal principal and interest in the early period is less than that of equal principal. 2. Disadvantages: The repayment method of equal principal and interest is used, because the interest will not decrease with the return of the principal amount, so everyone needs to return the total interest to the bank ...

  • Which cost-effective principal and interest is equivalent? Buying a home loan wants to repay in advance, which is the same amount of principal or interest ...

    During the Chinese New Year, my friends got together to talk about this talk and talk about loans. There were two types of opinions. Some people said that the equal principal and cost were few, and few people said that the equal principal and interest were cost-effective. After the funds were freely controlled, we found a calculator on the Internet. The calculation was done once, and the results please look down: Affirmation: I am not an actuary, please consult the relevant bank for the specific situation. I will not be responsible for any assumptions of 300,000 loans for 20 years. The current interest rate is 5.814%, temporarily ...

  • Is commercial house loan early repayment cost-effective? Buying a house loan wants to repay in advance, which equals principal and interest or equal principal?

    Most people still need to apply for a loan from a bank when buying a house, and applying for a house loan involves a loan repayment problem. Everyone knows how much a house loan greatly affects the quality of life of some people. Some people do n’t want to be so stressed. Urgently want to repay in advance, and some people enjoy this feeling of early consumption, feel that the longer the mortgage, the better. Today, let's analyze who is suitable for repayment in advance when buying a home loan? And who do not need to advance ...

  • What is the difference between equal principal and equal principal and interest? If I want to repay in a few years, it is appropriate.

    From the perspective of saving interest, it is appropriate to use an equal amount of principal. The sooner the loan is repaid, the more appropriate it is, but banks generally require that the loan be repaid for at least one year before repayment can be made in advance. Taking equal principal and interest as an example, the difference between prepayment and non-prepayment is about 47,800 yuan.

  • I want to ask if I can repay part of the principal in advance. Can you repay the same amount of principal and interest ...

    You can apply for a shorter period of time on the day after you make partial repayment in advance. No. The repayment method cannot be changed individually.

  • Is it cost-effective to repay the principal in advance? If it is repaid in advance, is it equal to the principal and cost?

    Today on Valentine's Day, Qian Qian will talk to you about the repayment method of residential investment. Mr. L took a fancy to a 92m2 small apartment off-plan house in a real estate in Nanjing, and planned to buy it as a short-term investment while the Nanjing housing market cooled. The delivery time of the house was 2020. Mr. L invested in the house and was not prepared to hold it for a long time. He wanted to wait for two years after getting the house. The house is optimistic, and the down payment is also ...

  • Is it cost-effective to repay the principal and interest in equal amounts?

    From the perspective of saving interest, it is appropriate to use an equal amount of principal. The sooner the loan is repaid, the more appropriate it is, but banks generally require that the loan be repaid for at least one year before repayment can be made in advance.

  • How to calculate the prepayment interest of equal principal and interest

    Monthly monthly payment = [Loan principal × Monthly interest rate × (1 + monthly interest rate) ^ repayment months] ÷ [(1 + monthly interest rate) ^ repayment months -1]

  • Is it cost-effective to repay in equal principal and interest? Calculation formula for equal repayment of principal and interest

    In fact, when it comes to buying a house loan, it is a normal phenomenon, but the interest is very high. Many people will work hard to make money during the period and correctly repay the loan in advance. Of course, many people choose to use the same principal and interest repayment method. Xiaobian will tell you that it is cost-effective to pay the principal and interest in advance. Calculation formula for equal repayment of principal and interest?

  • Is it cost-effective to repay the principal and interest in equal amounts?

    Equivalent principal and interest repayment method The monthly repayment of the principal and interest of the loan is fixed, and the monthly repayment pressure is balanced. However, the principal and interest repayment each month have disappeared. Less gold, more principal and less interest repayment in the late repayment period.

  • What are the equal principal and interest repayment methods?

    There are usually five ways to repay the loan in advance: first, all the repayment in advance, that is, the remaining loan will be repaid in one lump; Payment, reducing the monthly payment, the repayment period remains unchanged; fourth, part of the early repayment, reducing the monthly payment, shortening the repayment period; fifth, part of the early repayment, increasing the monthly payment, shortening the repayment period.

  • Can equal principal and interest be repaid in advance? Is it cost-effective to repay in equal principal and interest?

    Now it seems that the monthly payment is really very small, and hundreds of dollars can really be repaid in advance. The repayment in advance is not what you say, but it depends on the amount of liquidated damages. It's not worth repayment in advance, if it is cost-effective, it can be repaid in advance. Let's take a look at the same amount of principal and interest to repay in advance? Introducing the knowledge that it is cost-effective to repay the principal and interest in advance.

  • Is it cost-effective to repay the principal and interest of the provident fund loan in advance?

    How to deal with the equal principal and interest of the provident fund loan? Let us introduce the cost-effective repayment of the principal and interest of the provident fund loan? Calculation formula for equal repayment of principal and interest on provident fund loans?

  • What are the equal principal and interest repayment methods?

    There are usually five ways to repay the loan in advance: first, all the repayment in advance, that is, the remaining loan will be repaid in one lump; Payment, reducing the monthly payment, the repayment period remains unchanged; fourth, part of the prepayment, reducing the monthly payment, shortening the repayment period; fifth, part of the prepayment, increasing the monthly payment, shortening the repayment period.