This may be due to the following reasons:

1. average capital repayment method is adopted for the mortgage, so the loan principal is divided into equal parts, and the same principal and interest generated from the remaining loans in the current month are paid every month. As a result, the monthly supply is naturally less and less.

2. The mortgage is subject to the floating loan interest rate policy, and the recent repricing cycle has arrived. On the re-pricing date, the bank calculates the new interest rate according to the latest LPR and executes it according to the new interest rate in the new cycle. The new interest rate is lower than the old one, so the monthly mortgage repayment is also reduced.

3. The customer recently repaid part of the mortgage in advance, and then chose to reduce the monthly payment and keep the loan term unchanged, so the banking system deducted less than before.

4. Last month is the first month of repayment, but interest is generally calculated according to the actual number of days in the first month. Because the customer's loan date is longer than the first repayment date (longer than the monthly natural date), the first month repayment is more. When this month (the second month) repays according to the agreed repayment method, the monthly payment is naturally less than that of the first month.

First of all, there are two main repayment methods of mortgage, namely, average principal and equal principal and interest. The longest installment is 30 years, during which repayment can be made in advance. These include:

1. In the average capital, the repayment principal of each installment is fixed, and the interest is calculated according to the remaining loan principal. The monthly repayment amount of this repayment method is clear at a glance, and the borrower is not easy to remember wrong, so it is convenient to repay. But compared with the average capital, the total interest is a little more. Matching principal and interest is also the most commonly used repayment method for banks. If ordinary customers do not require average capital separately, the default repayment method is equal principal and interest.

2. Equal principal and interest means that the sum of principal and interest of each repayment is the same. Distribute the loan principal evenly to each month, and with the repayment, the remaining principal will be less and less, which will gradually reduce the monthly repayment amount. The total interest of equal principal repayment is less than that of equal principal and interest, but the different monthly repayment amount may lead to the wrong and overdue repayment amount, which is not good. Although the interest rate in average capital can be lower, don't use average capital to lower the interest rate, which will lead to excessive pressure in the early stage and affect the quality of life.

Under the same loan amount, if you are very short of money in the short term, you can choose the repayment method of "equal principal and interest" with little pressure in the early stage; If you are well-off and don't want to owe the bank too much money, you can choose the "even-cost" repayment method.

However, if you want to choose prepayment, that's another matter.

If there is prepayment, you need to apply for prepayment of principal in the first five years, and prepayment of principal accounts for more than 40% to 50% of the loan balance. The remaining loan term and the total repayment amount of the remaining equal principal and interest are relatively less than the average capital.

The proportion of repaying the principal in advance in the first five years is less than 20%. The advantage of matching principal and interest cannot be reflected, or the average capital has an advantage in repayment. Therefore, if you have the willingness to repay in advance in the short term, you can choose a mortgage with equal principal and interest, so the overall cost is relatively low. If the principal is not repaid in advance in the short term, the average capital will be chosen.

Why did the mortgage suddenly decrease?

The sudden decrease in monthly mortgage payment is usually caused by the following reasons: the user has signed a deposit and loan business with the bank, and when the current deposit account has money, it will be used to deduct the mortgage, so that the amount that the user needs to pay back the bank card will be reduced; If the mortgage interest rate is lowered, the monthly supply will also decrease; If there is an error in the banking system and a part of the amount is deducted, the bank will make up the deduction afterwards.

Therefore, for users, the monthly mortgage payment is less, except for bank mistakes, other situations are normal.

What's wrong with paying off the mortgage in one year? The basic reasons are all here!

; ? As we all know, among many loan products, individual housing loan is undoubtedly a huge expenditure, not to mention the loan principal, even the loan interest may reach hundreds of thousands. A friend asked, why is the mortgage a little less after one year? The basic reasons are all here!

What's wrong with paying off the mortgage in one year?

1, LPR cuts interest rates

If the mortgage interest rate chosen by buyers is a floating LPR interest rate, then as long as the LPR interest rate changes, the mortgage interest rate of buyers will also change.

For example, if the LPR interest rate of 202 1 is lowered, the mortgage interest rate of buyers will also be lowered with the LPR interest rate. Therefore, from June of 20021year, the loan interest rate of buyers will be reduced, and the monthly supply will also be reduced. If the home buyer's mortgage principal is higher, the interest will be significantly reduced.

2. Repayment method

When applying for loans, buyers have two repayment methods: matching principal and interest and average capital. Most buyers will choose equal principal and interest, and some banks will default to equal principal and interest. However, if property buyers have enough personal economic strength, they can also choose average capital.

If the average capital is selected, the monthly repayment principal will remain unchanged, but the interest will be calculated separately. Interest on average capital will be repaid in a decreasing way. In other words, if you choose the average capital, the monthly payment of the buyers will be less and less every year, and the interest paid will be less than the equal principal and interest.

General funds need to pay a lot of repayment in the early stage, so it is more suitable for lenders with strong repayment ability in the early stage, especially older ones, because economic income may decrease with age or retirement.

The above is the related content sharing of "the mortgage is less than one year", and I hope it will help everyone!

Why is1February less than the previous 1 1 month?

1. The repayment method is average capital. The repayment method chosen when handling mortgage loans is average capital. Average capital repayment, the monthly mortgage principal is fixed, and the interest to be repaid will decrease with the decrease of loan principal. The monthly repayment amount varies and will be less and less.

2. The mortgage interest rate dropped. The mortgage interest rate is not fixed. Every year, banks will reduce or increase according to relevant policies. If the mortgage interest rate falls, the monthly supply will also decrease.

3. Handling deposit and loan business If the user handles deposit and loan business in the bank, the money in the current deposit account will be used to deduct the mortgage. If there is money in the current deposit account, it will be deducted first, and if there is not enough money, it will be deducted from the bank card of the user who has repaid the mortgage. In this way, there is less money in the bank card to deduct the mortgage repayment.

4. You can choose to reduce the number of years or reduce the monthly mortgage repayment in advance. If the user chooses to reduce the monthly payment when handling the early partial repayment, the monthly payment will be reduced under the condition that the repayment period remains unchanged.

5. The bank deducted less. If the bank deducts the monthly payment less due to system reasons, it will still make up the deduction later. The above is the reason why the mortgage repayment in1February is a little less than that in the previous 1 1 month.