The so-called prepayments refer to the borrower in the amount of guaranteed monthly repayment of principal and interest housing loans, based on early repayment of part or all of a house purchase loans economic behavior. It includes two forms: One is the early repayment of part of individual housing loans and another is ahead of full repayment of housing loans. For example, Mr Tse 300,000 yuan for provident fund loans, loan period is 20, in the absence of overdue repayment of the premise, can at times ahead of the return of the principal part of each payment in advance, while the corresponding loan principal Chongjian . Bank loans have not yet returned to the recalculation of the principal amount of the borrower's monthly payments until the loan repaid all principal and interest. When the assumption that the remaining repayment amounted to 90,000 yuan (60,000 yuan is the principal, interest is 30,000 yuan), Mr. Xie has also decided to 50,000 yuan in advance, then left on the principal amount of 10,000 yuan, interest is still 3 Million. Under these provisions, prepayment of the principal amount of 50,000 yuan in the period after no interest, banks only on the outstanding principal amount of 10,000 yuan and 30,000 yuan interest rates, according to the same period and interest rates were recalculated, also The amount.
How to handle prepayments, prepayments of the request » First, the borrower must repay the loan in monthly principal and interest of the normal six months after the first方才may make early repayment of loans or all of the loans; Second, the lending institutions for loans serious management, the early repayment of the loan provisions of the minimum limit, the general To be more than 10,000 yuan; Third, the borrower prepayments generally takes 10 days in advance or 15 days inform the lending institutions, and holding the original loan contract, bank loan savings card, the monthly interest on capital table, I ID card, etc. Lending institutions to submit written applications and are subject to audit its consent is 40 in the same month the borrower still must be repaid on the original loan principal and interest payments, and then require early repayment of the loan amount of bank savings card people. After confirmation by the lending institutions, belonging to the early repayment of part of the housing loans, then the original loan contract will be identified in the approach to interest-bearing loan "after the first interest rate, the monthly matching reduced, shortening the repayment period," the calculation Principle, re-calculation of early repayment of the loan after the borrower to repay the balance and the final deadline for re-print "the monthly interest on capital," and re-signed with the borrower, "the borrower to change the contract."
With the loan principal and interest is the continuing decline in the corresponding reduction. So, how can we also less interest » One approach is the best choice before matching loan repayment of principal. As "the principal repayment of matching" is also the principal early, so when you advance repayment, the interest on small loss. "Matching the repayment of principal and interest" is also of interest because of previous, less principal, when repayment ahead of schedule when it is necessary to eat losses. Therefore, the choice of a fair and reasonable loan is very important way. Mr. Wang to the aforementioned purchase as an example: the annual interest rate loans to 5.04 percent, the monthly rate of 4.2 ‰. If it is matching the repayment of principal and interest, the borrower to obtain loans after 20 years is also of interest amounted to 147,320 yuan if the matching is the principal repayment, the borrower to obtain loans after 20 years is also of interest amounted to 125,191.26 yuan . We can see that with the passage of time, to 20 years, matching the principal repayment of principal and interest repayments than matching method is also less interest 22,128.74 yuan.
Another approach is to determine the best time for repayment ahead of schedule. Early repayment when the best » Experts suggest the best within five years. In the course of outstanding loans, with the economic strength of the upgrade, many people are willing to advance the return of some or all loans. February 21, 2002, bank loans five years provident fund interest rate was 3.6 percent, commercial loans to 4.77 percent, more than five years Provident Fund was 4.05%, 5.04% for commercial loans. Therefore, in determining when prepayments over five years so as not the best time. There is no doubt that as long as prepayments, Mr. Wang was taken regardless of matching the repayment of principal and interest repayment of principal or matching, can also less interest on loans.
A third approach is to identify concrete ways of prepayments. If it is equal to the principal and interest repayment, the repayment amounted to 397,320 yuan, the borrower is the first five years of repayment 60 months after the repayment, the remaining loan principal into 234,990 yuan. The early repayment, can be used in two ways: first, ahead of all the loans repaid, the remaining loan principal will be repaid in full over 234,990 yuan. Second, the early repayment as part of 50,000 yuan, the remaining loan principal into 184,990 yuan, the remaining loan period into a 180, the lending rate to 5.04 percent, equal to the monthly repayment of principal and interest of the formula, on Are also the amount into 1,225 yuan, the monthly repayment amount dropped 430.5 yuan. Further calculations show that all loan, buy a house were also less interest for 63,000 yuan of the loan, buy a house were also less interest to 27,490 yuan.
If it is equal to the principal repayment, the repayment amounted to 375,191.26 yuan, the borrower is the first five years of repayment 60 months of repayment, the loan principal for the remaining 187,500 yuan, early repayment can use the following Two ways: first, ahead of all the loans repaid, the remaining loan principal will be repaid in full over 187,500 yuan. Second, the early repayment as part of 50,000 yuan, the remaining loan principal into 137,500 yuan, the remaining loan period into a 180, the lending rate to 5.04 percent, matching the monthly repayment of the principal know the formula for calculating , The first month's payment into 572.92 yuan, also on the amount fell 468.75 yuan. Further, we found that all the loan, buy a house were also less interest to 71,048.7 yuan, part of loan, buy a house were also less interest to 21,241.26 yuan.
Early repayment of all loans, you can not forget the first insurance company to refund the premiums during the period ahead. In the early repayment of all loans, the lending institutions will also returned to the original borrower from lending institutions have been in the custody of the individual housing loan insurance originals. And because the original borrower for the loan has a one-time payment of the loan period for all insurance premiums, the former housing insurance individual housing loans have an early termination of the contract at this time. According to relevant regulations, the borrower can carry the original insurance policies and pay off loans ahead of schedule shows that the insurance company to refund in advance of the monthly premium. Premium refund loans repaid ahead of schedule, under the existing home or purchase housing is Qifang, Qifang the actual costs of the insured period (more than half a year Qifang the insured period is generally less borrowing for a further one year), the original one-time delivery of premium Discount rate and interest rate factors and other factors count, which is calculated as follows: loans repaid ahead of schedule refund insurance premiums = pay restitution in advance when the present value - ahead of the return of the former occupier in insurance premiums in advance when the return of the present value.
Second, you can not forget the tax department to refund the tax in advance during the period. When you buy commercial housing, the tax rebate should be family members of all property rights as people purchases into the contract and the signing of the contract, to pay for Fangkuan after "buyers paid the tax base of personal income tax deduction" for , I made the "contribution of the general revenue." After all the early repayment of loans, real estate can get permits, should be completed in real estate proved right after the six months, at the tax department for tax rebate procedures.
Third, you can not forget the can reduce the loan interest rate cut. To individual housing loan business of 100,000 yuan, a period of 30 equal monthly repayment methods as an example, the old interest rate on repayment 572.8 yuan, after the introduction of the new interest rate on repayment dropped to 539.3 yuan, 33.5 yuan a month will reduce. Throughout the loan period, the 30 principal and interest due 100,000 yuan loans amounted to 206,208 yuan, the new lending rates due principal and interest amounted to 194,148 yuan, 12,060 yuan to reduce total repayment of interest.
How to handle prepayments, prepayments of the request » First, the borrower must repay the loan in monthly principal and interest of the normal six months after the first方才may make early repayment of loans or all of the loans; Second, the lending institutions for loans serious management, the early repayment of the loan provisions of the minimum limit, the general To be more than 10,000 yuan; Third, the borrower prepayments generally takes 10 days in advance or 15 days inform the lending institutions, and holding the original loan contract, bank loan savings card, the monthly interest on capital table, I ID card, etc. Lending institutions to submit written applications and are subject to audit its consent is 40 in the same month the borrower still must be repaid on the original loan principal and interest payments, and then require early repayment of the loan amount of bank savings card people. After confirmation by the lending institutions, belonging to the early repayment of part of the housing loans, then the original loan contract will be identified in the approach to interest-bearing loan "after the first interest rate, the monthly matching reduced, shortening the repayment period," the calculation Principle, re-calculation of early repayment of the loan after the borrower to repay the balance and the final deadline for re-print "the monthly interest on capital," and re-signed with the borrower, "the borrower to change the contract."
With the loan principal and interest is the continuing decline in the corresponding reduction. So, how can we also less interest » One approach is the best choice before matching loan repayment of principal. As "the principal repayment of matching" is also the principal early, so when you advance repayment, the interest on small loss. "Matching the repayment of principal and interest" is also of interest because of previous, less principal, when repayment ahead of schedule when it is necessary to eat losses. Therefore, the choice of a fair and reasonable loan is very important way. Mr. Wang to the aforementioned purchase as an example: the annual interest rate loans to 5.04 percent, the monthly rate of 4.2 ‰. If it is matching the repayment of principal and interest, the borrower to obtain loans after 20 years is also of interest amounted to 147,320 yuan if the matching is the principal repayment, the borrower to obtain loans after 20 years is also of interest amounted to 125,191.26 yuan . We can see that with the passage of time, to 20 years, matching the principal repayment of principal and interest repayments than matching method is also less interest 22,128.74 yuan.
Another approach is to determine the best time for repayment ahead of schedule. Early repayment when the best » Experts suggest the best within five years. In the course of outstanding loans, with the economic strength of the upgrade, many people are willing to advance the return of some or all loans. February 21, 2002, bank loans five years provident fund interest rate was 3.6 percent, commercial loans to 4.77 percent, more than five years Provident Fund was 4.05%, 5.04% for commercial loans. Therefore, in determining when prepayments over five years so as not the best time. There is no doubt that as long as prepayments, Mr. Wang was taken regardless of matching the repayment of principal and interest repayment of principal or matching, can also less interest on loans.
A third approach is to identify concrete ways of prepayments. If it is equal to the principal and interest repayment, the repayment amounted to 397,320 yuan, the borrower is the first five years of repayment 60 months after the repayment, the remaining loan principal into 234,990 yuan. The early repayment, can be used in two ways: first, ahead of all the loans repaid, the remaining loan principal will be repaid in full over 234,990 yuan. Second, the early repayment as part of 50,000 yuan, the remaining loan principal into 184,990 yuan, the remaining loan period into a 180, the lending rate to 5.04 percent, equal to the monthly repayment of principal and interest of the formula, on Are also the amount into 1,225 yuan, the monthly repayment amount dropped 430.5 yuan. Further calculations show that all loan, buy a house were also less interest for 63,000 yuan of the loan, buy a house were also less interest to 27,490 yuan.
If it is equal to the principal repayment, the repayment amounted to 375,191.26 yuan, the borrower is the first five years of repayment 60 months of repayment, the loan principal for the remaining 187,500 yuan, early repayment can use the following Two ways: first, ahead of all the loans repaid, the remaining loan principal will be repaid in full over 187,500 yuan. Second, the early repayment as part of 50,000 yuan, the remaining loan principal into 137,500 yuan, the remaining loan period into a 180, the lending rate to 5.04 percent, matching the monthly repayment of the principal know the formula for calculating , The first month's payment into 572.92 yuan, also on the amount fell 468.75 yuan. Further, we found that all the loan, buy a house were also less interest to 71,048.7 yuan, part of loan, buy a house were also less interest to 21,241.26 yuan.
Early repayment of all loans, you can not forget the first insurance company to refund the premiums during the period ahead. In the early repayment of all loans, the lending institutions will also returned to the original borrower from lending institutions have been in the custody of the individual housing loan insurance originals. And because the original borrower for the loan has a one-time payment of the loan period for all insurance premiums, the former housing insurance individual housing loans have an early termination of the contract at this time. According to relevant regulations, the borrower can carry the original insurance policies and pay off loans ahead of schedule shows that the insurance company to refund in advance of the monthly premium. Premium refund loans repaid ahead of schedule, under the existing home or purchase housing is Qifang, Qifang the actual costs of the insured period (more than half a year Qifang the insured period is generally less borrowing for a further one year), the original one-time delivery of premium Discount rate and interest rate factors and other factors count, which is calculated as follows: loans repaid ahead of schedule refund insurance premiums = pay restitution in advance when the present value - ahead of the return of the former occupier in insurance premiums in advance when the return of the present value.
Second, you can not forget the tax department to refund the tax in advance during the period. When you buy commercial housing, the tax rebate should be family members of all property rights as people purchases into the contract and the signing of the contract, to pay for Fangkuan after "buyers paid the tax base of personal income tax deduction" for , I made the "contribution of the general revenue." After all the early repayment of loans, real estate can get permits, should be completed in real estate proved right after the six months, at the tax department for tax rebate procedures.
Third, you can not forget the can reduce the loan interest rate cut. To individual housing loan business of 100,000 yuan, a period of 30 equal monthly repayment methods as an example, the old interest rate on repayment 572.8 yuan, after the introduction of the new interest rate on repayment dropped to 539.3 yuan, 33.5 yuan a month will reduce. Throughout the loan period, the 30 principal and interest due 100,000 yuan loans amounted to 206,208 yuan, the new lending rates due principal and interest amounted to 194,148 yuan, 12,060 yuan to reduce total repayment of interest.
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