I borrowed 6.5438+0.9 million yuan from the bank to buy a house. I don't remember whether I signed the repayment method of principal or principal and interest, but what I want to ask is which is more suitable for me? 15 Average capital and equal principal and interest are two different repayment methods. If you have signed a loan contract and the bank has not clearly pointed it out or prompted it, then the default repayment method of the bank should be equal principal and interest repayment. The advantages and disadvantages of two different repayment methods are as follows:

1. Equal principal and interest repayment method: If your current income is unstable or unsatisfactory, it is better to choose equal principal and interest, because the equal principal and interest are basically the same and stable every month compared with repayment. For example, your loan is190,000 yuan and your loan is 15 years. According to the first set of 8.5% interest rate, the monthly repayment amount should be

2. Average capital loan repayment method: If this repayment method needs to repay the loan in advance in the future, of course, the overall interest rate will be less, because the monthly principal is more, which is also calculated according to your current loan:190,000/180 months (15) = 1055 yuan, that is, The first month's interest is 190000 * 5.2 19 (down 15% interest rate)/12 months =8 12 yuan, and the first month's repayment is the principal1050. The calculation method is as above, that is, in the second month, when calculating the interest, it is not calculated with 6,543,800 yuan+0.9 million yuan, but after subtracting the same principal every month.

So there is a premise in the repayment law of average capital that your income is ideal and your current income is relatively stable. Of course, this has something to do with the income certificate you need to open for your loan. The income required by the average capital proves to be higher than the principal and interest. As can be understood from the above two examples, the proof of income required for principal and interest is 1524*2=3200 or so, while the proof of income required for principal is: 65438+.

The above is an introduction to two different repayment methods and their respective advantages and disadvantages. You can weigh the options according to your actual situation, I hope it will help you.