1. Pay off in full in advance

The so-called full repayment in advance means that the borrower pays off all the loans owed at one time. After paying off, you need to go to the housing authority to cancel the mortgage, and provide relevant information according to the requirements of the housing authority. After handling, you have no mortgage, and the property right of the house belongs to you completely.

2. Repay part of the loan in advance

As the name implies, it is to shorten the repayment period in the case of prepayment and then dividing it into two fixed amounts; The other is that the monthly repayment amount is reduced, but the repayment period remains unchanged.

The advantage of the first method is that it can reduce interest, and the advantage of the latter method is the monthly repayment pressure.

Second, the 350,000 mortgage has been paid for two years. How much do you need to pay off in advance?

A house loan of 350,000 yuan. The loan is 30 years, and the monthly payment is more than 2,400 points. Two years later, about 30 thousand a year. Most of this repayment is interest. Because most mortgage interest is paid first, then the interest is reduced and the principal is increased. If you pay it back at one time now, you need to pay back about 340 thousand.

3. The loan of10 is 350,000 yuan. At present, the monthly payment is 4000 yuan, and the mortgage has been paid for 2 years. How much do I have to pay to the bank to repay the loan in advance?

According to your description, in 2000, it was 654.38+350,000 yuan, and the monthly repayment was about 4,000 yuan. According to the calculation, the annual interest rate of your loan is about 6.55% (monthly repayment is 3983.09 yuan);

According to the above interest rate, after 24 months, the principal needs to be repaid 297,000 yuan per month.

The interest rate of the loan is 6.55%, and the interest rate of the deposit is only 5.25%, and it is five years. Of course, prepayment is still cost-effective.

I got a house loan of 350,000 yuan, which will be repaid in ten years. It's been two years. I want to return it now. How much do I have to pay?

The mortgage is 350,000 yuan, 10 * *120 installments, and 24 installments have been paid in two years * *, with an equal monthly principal and interest of 3,804 yuan, with an annual interest rate of 5.59%, and the full repayment in advance is about 294,687 yuan.