The most cost-effective purchase loan method 2004-8-19 Source: According to a survey of the bank, 90% of people have begun to pay attention to the selection of repayment methods, reasonable loan periods while choosing a loan. Especially some expected people, often pay in advance. For this part, it is important to choose a loan. At present, there are two ways to repay the loan repayment in the bank: the loan period is more than one year, using a monthly repayment, specifically select "monthly equal repayment law" or "monthly equal fund repayment law" to repay the loan This interest (currently using the "Monthly Monthly Repayment Law" in Beijing, there will be "equal fund repayment law" in the future. From the analysis of the loan situation, the customer base in the customer is selected for 8 years to 20 years. The two calculation methods of the monthly repayment amount are currently we are currently more common, it is within the time limit of your repayment, payment at a fixed number of monthly months; and "equivalent repayment law" specific The calculation formula is: monthly repayment = this gold ÷ Loan period (month) (this gold - has also been gold) × month interest rate. From the formula, it is not difficult to find that the monthly repayment is not fixed, but with the change of monthly interest changes, it is a decreasing process (" " in the formula as interest, along with The decrease in this gold is reduced). Take a $ 500,000 house as an example, after paying 100,000 yuan, Yu $ 4.00,000 for 20 years of bank mortgage, if the monthly equal repayment law, monthly repayment = this gold × 10,000 yuan The monthly repayment amount = 400,000 × 69.24 = 2769.6 yuan. That is to say, in 20 years, you have so much monthly. Calculated with "equivalent repayment law", the first month's repayment = 400,000 yuan ÷ (12 × 20) "400,000 yuan -4 million yuan ÷ (12 × 20)」 × 0.00465 = 3519 yuan. It can be seen that the latter pressure has a large pressure. But over time, your pressure is gradually decreasing. Look at interest, "Wait for the Loan Loan", the previous is also the same, the interest is small, the principal "interest. From the bank's measurement, "Monthly Oil Isarish Loan Loan", if the repayment time is long, the previous period has always been this gold
