Mortgage average capital is a repayment method, that is, the total amount of loans is divided into equal parts during the repayment period, and the same amount of principal and interest generated by the remaining loans in the month are repaid every month. In this way, because the monthly repayment amount is fixed and the interest is less and less, the lender is under great pressure to repay at first, but as time goes on, the monthly repayment amount is less and less.

Average capital repayment method, also known as repayment method with interest and principal and average capital with unequal interest. The lender will allocate the principal to each month and pay off the interest from the previous trading day to the current repayment date. Compared with the matching principal and interest, the total interest cost of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month.

The characteristic of the average capital method is that the monthly repayment amount is different, showing a state of decreasing month by month. The calculation formula is: monthly principal and interest repayment amount = (principal/repayment months+principal-accumulated repaid principal) × monthly interest rate, and monthly principal = total principal.

Can average capital repay mortgage in advance?

Average capital can repay the loan in advance, and average capital can repay the loan in advance. If you want to pay off the loan as soon as possible and reduce the pressure of later repayment, you can pay off the loan at any time. However, if you have cash flow, try to repay the loan on time. Average capital and mortgage or other means are very favorable.

At present, the benchmark interest rate of the central bank's five-year and above loans is 4.9%. If your loan interest rate rises within the range of 10%(5.39%) of the benchmark interest rate, prepayment is not recommended. 5.39% is high and high, neither high nor high. For the amount of 6.5438+0.92 million yuan, it is almost 2 million yuan. There are not a few bank wealth management products above 5.5% (the higher the starting point of bank wealth management, the higher the rate of return. At present, the starting point of 50 thousand yuan can reach 5.5%, not to mention the starting point of 2 million yuan; Even local banks have 5.5% time deposits.