I have paid off my mortgage for six years in 30 years. Prepayment process: 1. First, check the requirements for early repayment in the loan contract, and pay attention to whether there is a certain penalty for early repayment. 2. Call the loan bank to inquire about the requirements for repaying part of the loan in advance, the application time, the minimum repayment amount, etc. , and determine the materials that need to be prepared. 3, according to the requirements of the bank personally apply to the relevant departments for early repayment. 4. The borrower shall go through the relevant prepayment procedures at the borrowing bank with relevant certificates. 5. Submit the prepayment application form and deposit the prepayment in the counter.
Second, the house loan is 300,000 yuan. Four years, 20 years. Now I want to repay part of the loan in advance. It's cost-effective anyway.
If the money invested in repayment is greater than the interest, it will not be repaid. Otherwise it doesn't matter. If the repayment is equal, it will not be cost-effective if it exceeds half the term, because the interest paid later is less. Please wait a minute, Ben. What do you mean by equal amount? Now some banks calculate the principal? Not really. Can you be more specific? thank you
3. The loan is 300,000 yuan, and the average capital will be repaid in 20 years. How can I repay in advance?
Matching principal and interest method: the total loan amount is 300,000, assuming that the annual interest rate is 4.900% and the loan period is 20 years. The monthly repayment amount of principal and interest is 1, 963.33 yuan, the total repayment amount is 47 1, 654,38+0,999.2 yuan, and the * * repayable interest is 1, 765 yuan. The interest paid in the first month is 1225, and the principal paid in the first month is 738.33; The interest paid in the second month is 122 1.99 and the principal paid in the second month is 741.34; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle) = = = = = 36 months of repayment; * * * Repay the interest of 42 109.8 1, repay the principal of 28,570.07, repay the remaining principal of 27 1429.93, and pay the last interest of 1 108.34 (regardless of the interest rate adjustment)/
4. A house loan of 300,000 yuan. Four years, 20 years. Now I want to return some in advance. How can I repay you? ...
600 thousand's mortgage is the kind that pays the principal and interest first. It has been handed in for more than four years now. If you want to pay back 50 thousand, how many years can it be shortened?