So far, the year the central bank has been raising interest rates a total of five times, housing mortgage interest rates which rose 0.99 percent and lending rate also rose a total of 0.8455 percent. In accordance with the relevant provisions of the central bank, after raising interest rates, the housing loans are loans from the following year - 2008 since the implementation of the new rates. New Year's Day approaching, starting next year, the implementation of the new rate coming, how do you deal with the «
And the end of the year the peak of prepayments, particularly this year, the central bank raising interest rates five times, mortgage rates were up 0.99 percent. The interest rate increase before the public in terms of the mortgage lender, on January 1 next year to embark on the most recent rates of outstanding mortgage loans, but also a substantial interest rate increase is the end of the loose-on-hand for many people would consider prepayments to reduce interest payments However, prepayments take many forms, which is more conducive to the public only »
-- Advisory bankers that the current members of the public for the Foshan prepayments to the main part of prepayments, in this way can have four operating modes: the repayment of the advance, reduce, for, while shortening the repayment period; part Early repayment of choice for the same, but shortened the repayment period; part of early repayment, for the reduction on, but the repayment period to change part of early repayment, for an increase, shortening the repayment period. This can reduce interest payments in four ways, but the results varied. The bank pointed out that some loan, for the same month, shortening the repayment period more suitable for working family, the monthly repayment will not increase pressure, able to significantly reduce interest rates.
Days in August this year to purchase a total of 500,000 houses, 350,000 yuan loan, a period of 20 years, starting from October, for, by September 15, 2007 from 0.85 times the benchmark mortgage rates lower implementation At the rate of 6.66 percent, the monthly repayment for 2,925 yuan, a total of 20 mortgage interest payments 352,000 yuan. If the days in a part of the loan, then the above four operating modes for choice, but there are different results. As of December this year, Mr. Lee will have to pay 4,400 yuan interest to the bank.
Some early repayment, for less, while shortening the repayment period. If the days prepayments 100,000 yuan, 245,000 yuan for the repayment of principal and shorten the loan period of 10, then the days are actually 245,000 yuan loan in 10 monthly repayments for 2,970 yuan, the total interest to 10 111,500 yuan, Mr. Lee a total of the interest paid to banks to 0.44 million +11.15 = 115,900 yuan.
Some early repayment of choice for the same, but shortened the repayment period. ! Prepayments 100,000 yuan after 20 but still on the mortgage loan amount remains unchanged, then 2,925 yuan per month in accordance with the amount of calculation, Mr. Lee time to pay off loans of 10.5 years, the period required to pay to the Bank Interest is about 114,000 yuan, the practice of bank interest paid to a total of 0.44 million +11.4 = 118,400 yuan.
Some early repayment, for less, but the repayment period unchanged. 245,000 yuan the same period by 20, just days per month, for 2,048 yuan, 20 of about 246,500 yuan of interest, then the days of the payment of interest was 0.44 million +24.65 = 300,900 yuan.
Some early repayment, for an increase, shortening the repayment period. Days after the loan principal prepayments for 245,000 yuan, and adjustments, for the amount of 3,500 yuan, 245,000 yuan just 8.5 this year, 8.5 in the period of interest paid to banks for 87,400 yuan, days before and after A total of the interest paid to banks to 0.44 +8.74 million = 91,800 yuan.
After that comparison, the first and second prepayments manner more suitable for a fixed work of the ordinary working-class and the third in four ways is the most desirable way to maintain the original amount, for the circumstances, the general Not recommended for the reduction of the amount and the last a relatively greater pressure, and with the first, second method, for time is almost, not the amount of interest has also increased, price is not too high.
And the end of the year the peak of prepayments, particularly this year, the central bank raising interest rates five times, mortgage rates were up 0.99 percent. The interest rate increase before the public in terms of the mortgage lender, on January 1 next year to embark on the most recent rates of outstanding mortgage loans, but also a substantial interest rate increase is the end of the loose-on-hand for many people would consider prepayments to reduce interest payments However, prepayments take many forms, which is more conducive to the public only »
-- Advisory bankers that the current members of the public for the Foshan prepayments to the main part of prepayments, in this way can have four operating modes: the repayment of the advance, reduce, for, while shortening the repayment period; part Early repayment of choice for the same, but shortened the repayment period; part of early repayment, for the reduction on, but the repayment period to change part of early repayment, for an increase, shortening the repayment period. This can reduce interest payments in four ways, but the results varied. The bank pointed out that some loan, for the same month, shortening the repayment period more suitable for working family, the monthly repayment will not increase pressure, able to significantly reduce interest rates.
Days in August this year to purchase a total of 500,000 houses, 350,000 yuan loan, a period of 20 years, starting from October, for, by September 15, 2007 from 0.85 times the benchmark mortgage rates lower implementation At the rate of 6.66 percent, the monthly repayment for 2,925 yuan, a total of 20 mortgage interest payments 352,000 yuan. If the days in a part of the loan, then the above four operating modes for choice, but there are different results. As of December this year, Mr. Lee will have to pay 4,400 yuan interest to the bank.
Some early repayment, for less, while shortening the repayment period. If the days prepayments 100,000 yuan, 245,000 yuan for the repayment of principal and shorten the loan period of 10, then the days are actually 245,000 yuan loan in 10 monthly repayments for 2,970 yuan, the total interest to 10 111,500 yuan, Mr. Lee a total of the interest paid to banks to 0.44 million +11.15 = 115,900 yuan.
Some early repayment of choice for the same, but shortened the repayment period. ! Prepayments 100,000 yuan after 20 but still on the mortgage loan amount remains unchanged, then 2,925 yuan per month in accordance with the amount of calculation, Mr. Lee time to pay off loans of 10.5 years, the period required to pay to the Bank Interest is about 114,000 yuan, the practice of bank interest paid to a total of 0.44 million +11.4 = 118,400 yuan.
Some early repayment, for less, but the repayment period unchanged. 245,000 yuan the same period by 20, just days per month, for 2,048 yuan, 20 of about 246,500 yuan of interest, then the days of the payment of interest was 0.44 million +24.65 = 300,900 yuan.
Some early repayment, for an increase, shortening the repayment period. Days after the loan principal prepayments for 245,000 yuan, and adjustments, for the amount of 3,500 yuan, 245,000 yuan just 8.5 this year, 8.5 in the period of interest paid to banks for 87,400 yuan, days before and after A total of the interest paid to banks to 0.44 +8.74 million = 91,800 yuan.
After that comparison, the first and second prepayments manner more suitable for a fixed work of the ordinary working-class and the third in four ways is the most desirable way to maintain the original amount, for the circumstances, the general Not recommended for the reduction of the amount and the last a relatively greater pressure, and with the first, second method, for time is almost, not the amount of interest has also increased, price is not too high.
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