Now, most person buys a house is borrow money to the bank, outside borrowing money to return a Jin Zhi besides countervail, pay interest to the bank even. Should choose both neither of ability of means of what kind of reimbursement to do Fang Nu so, can little pay interest to the bank?
Client A and client B are to buy a house backward the bank borrows money, according to interest rate of active individual housing loan 7.56% × 0.85=6.426% , assume loan amount is 600 thousand yuan, loan time limit is 20 years.
Client A chooses to wait for reimbursement of law of frontal principal and interest. According to law of principal and interest waiting for the forehead, client A needs every months to still borrow 4447.34 yuan. If client A is in,reimbursement did not shift to an earlier date inside these 20 years, criterion after 20 years aggregate pay accrual 467361.04 yuan to the bank.
Client B chooses to wait for reimbursement of frontal capital standard. According to reimbursement of standard of capital waiting for the forehead, the first month needs to still borrow 5713 yuan, the 2nd month needs to still borrow 5699.61 yuan, later the reimbursement amount of every month is degressive, in the 96th month, namely when the 8th the end of the year, reimbursement amount is 4441.19 yuan, be equal to the lunar reimbursement amount of law of principal and interest waiting for the forehead basically, the reimbursement amount of the last month is 2513.39 yuan. After 20 years aggregate pay accrual 387166 yuan to the bank.
This shows, client B uses method of capital waiting for the forehead, use method of principal and interest waiting for the forehead than client A, 20 years aggregate to the bank little pay accrual 80195.04 yuan. But also should see, client B compares client A much reimbursement when the first month still is borrowed 1271.81 yuan, advanced 96 months, namely before 8 years, the reimbursement amount that every month compares client A is much, reimbursement pressure is great.
Compare on put together, proposal client selects right reimbursement kind according to the income circumstance of oneself, in reimbursement pressure not quite big case falls, choose to wait for Ebenjinfa to repay as far as possible the bank borrows money, so OK to the bank little pay a few interest.
For example client Mr A, 29 years old, the preparation inside 2 years and girlfriend marry, the preparation inside 3 years gives birth to a child, namely 2 have larger financial expenses to 3 annual meeting. Suggest this client chooses to wait for law of frontal principal and interest to repay the bank borrows money. Although total interest rate meets many a little bit, but the growth as the age, the addition of working experience, domestic income can be added gradually much, can choose to perhaps shift to an earlier date entirely partly later in a few years the method of reimbursement will save accrual.
Client Mr B, 43 years old, work of both sides of husband and wife is steady, the child just goes up middle school, there is larger financial expenses inside the near future. The Ebenjinfa such as choice of reason proposal client repays the bank borrows money. In pressure not big case falls, as far as possible every month returns a few loan more, reduce 20 years of the following pressure, return OK and economic interest rate at the same time. Of course, if the client's income has balance, also can choose to perhaps shift to an earlier date entirely partly the method of reimbursement will save accrual.
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