1, the average capital refers to a repayment method, in which the total loan amount 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 getting less and less, the borrower is under great pressure to repay at first, but as time goes on, the monthly repayment amount is getting less and less.
It is also convenient to determine the repayment ability according to your own income.
The total expenditure of this repayment mode may be reduced relative to the matching principal and interest, but the repayment pressure is greater at first.
2. Matching principal and interest refers to a repayment method of housing loan, that is, the loan with the same amount (including principal and interest) is repaid every month during the repayment period, which is different from the average principal.
That is to add up the total principal and interest of the mortgage loan, and then distribute it evenly to each month of the repayment period. The monthly repayment amount is fixed, but the proportion of principal in the monthly repayment amount increases month by month, and the proportion of interest decreases month by month. This method is the most common and recommended by most banks for a long time.
Matching principal and interest repayment method refers to the borrower's equal repayment of loan principal and interest every month, in which the monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled every month.
Extended information Because there is a need to repay the loan in advance, the mortgage borrower should carefully check the loan repayment request in advance and then review it. It also takes some time to apply for approval. If the lender wants to repay the loan in advance, under normal circumstances, he should take good care of his ID card and loan contract to the bank after making a phone call or making a written request. As a trustee, he should take good care of the real estate license, settle other debt documents confirming the pledge at the bank, and personally go to the district construction committees to understand the pledge situation. What is not taken seriously is that if the diners don't have a one-time knot.
The original policy and invoice can be booked by calling the relevant security companies. If it is a depositor and the owner who handles the mortgage refinancing business, it is best to find an amateur guarantee service agency to do notarization, so as to avoid the situation that the depositor does not buy or the depositor reviews the formalities after the owner repays in advance.
First, don't forget to surrender the loan in advance.
When the lender handles the loan, the bank will cancel the pledge. For example, if it is necessary to go through the prepayment procedures, Hefei Small Loan Bank normally requires the lender to submit a written or telephone request 15 working days in advance, and the bank will accept the loan. If it is a lender who settles the full balance, Hefu Microfinance is prepared to make a remaining loan line after the bank, so that the lender can take out the remaining money and repay the loan in advance.
Second, we can't ignore the oath.
The danger of the owner's falling price after the down payment is paid off. After the borrower settles the full amount in advance, the bank will show the settlement confirmation, and the lender will plan after keeping the copy of the loan settlement confirmation issued by the bank and the original system of each bank.
Third, prepayment needs preparation.
At present, some banks will release the pledge by themselves. After the pledge is released, the lender himself needs to go to the bank to get a house book. There will be changes. Banks stipulate that early repayment should be several times of 65,438+0,000, and some banks still need to charge a certain amount of non-repayment. If the depositor pays off the loan, he must not forget to pledge a certain loan and cannot ask for surrender.
References:
Baidu encyclopedia-mortgage