The commercial loan is 400,000 yuan with a term of 30 years. The loan will be paid off in February 20 1 1. Want to repay the loan in advance, annual income120,000. How to repay the loan reasonably with the least interest? Generally, there is no limit to the number of early repayment. You can repay the loan if you have 10 thousand enough, but you should always run to the bank. Do you have time to decide for yourself?

Some banks will delay your repayment time, that is, you deposit the money to repay the loan, and then tell you that it will take two days to repay it. It may be because you have taken measures to boost bank deposits, so you need to pay attention and hurry up.

The problem with your repayment is not when it suits you, but that you don't know the rules of prepayment. As I said just now, you can take 10 thousand yuan to the bank to pay it back. As for how it is appropriate, it is actually very simple. The sooner the better.

The loan of 400,000 yuan is calculated at the interest of 400,000 yuan, and the interest 1 10,000 yuan is calculated at the interest of 390,000 yuan. So no matter when, it is definitely appropriate to have money to go.