The loan from Bank of China is RMB 230,000 with a term of 18, and the principal and interest written in the contract is RMB 360,000 (this data is calculated at the current interest rate and consists of 23 principal+130,000 interest, so this data can only be used as a reference). I don't know your interest rate. According to the monthly payment you provided last year, it was 1.623 yuan. The bank should give you a discount of 15%.
The bank said that it is ok to repay 50,000 yuan now, which is "partial repayment in advance".
Partial repayment in advance, the repayment amount of 50,000, 80,000, 65,438+10,000 can be used. What is repaid in advance is the principal (the principal is repaid, but the principal is reduced), that is, it is within 230,000 yuan (of course, it is less within Wan Li). After partial repayment in advance, the whole loan should be recalculated. There are two ways for you to choose:
1, the repayment period remains unchanged (still 18), and the monthly repayment amount is reduced. After calculation, if 50,000 yuan is repaid in advance in February this year, the monthly repayment amount can be reduced to 134 1.20 yuan; If RMB 654.38+million is still paid by the end of 20 12, the monthly repayment amount after RMB 654.38+million can be reduced to RMB 898.82.
2. The monthly repayment amount is basically unchanged, shortening the repayment cycle. After calculation, if you prepay 50,000 yuan in February this year, and the monthly repayment amount remains around 1, 7 1.6 yuan, the repayment period can be shortened to 1.57 months (130 1 month); If RMB 65438+ 10,000 yuan is still available at the end of February, 2065.438+02, and the monthly repayment amount remains at around 1708, the repayment period can be shortened to 1 13 months (9 years and 5 months).
Compared with the above two methods, 2 1 pays less total interest.
There is a principle to reduce repayment (total interest expenditure): the earlier the repayment, the more the total interest will be reduced.
Suggestion: 65438 in June+50,000 in advance in February this year, and 50,000 at the end of next year, which can reduce a lot of interest.
The above answers are for your reference only.