How to write the mortgage repayment schedule?
1, the loan plan has a pattern, which is not like writing an article. I also borrowed a sum of money last week, and the bank wrote me a repayment plan. The scheme I wrote is the loan term 1 year, with an amount of 30,000 yuan. I plan to repay 1 10,000 yuan every month, pay interest every quarter, and pay off all principal and interest in one lump sum when due.
2. The repayment plan written by a friend is that the loan amount is 1 000 yuan, the loan term is 2 years, the interest is paid quarterly, and the principal and interest are repaid once at maturity. The loan amount is 654.38 million yuan, and the repayment period is three years. Pay interest every month, the principal is 2778 yuan, and it will be paid after three years. Never mind, this plan is easy to write. If you can't write it, you can say what you think about repayment, and the bank staff will help you fill it out. If there are no special circumstances, you don't agree to repay the loan in advance.
3. Loan itself is a kind of resource, which is easier than loan. Repayment of the loan in advance is subject to liquidated damages and handling fees. The interest rate difference between five-year deposits and loans is about 2%. If you deposit the money in the bank, you can ask for an extra sum of money at any time, although the deposit interest is not equal to the loan interest. If you make some other investments, such as bonds, stocks and funds, you may still make some money. Future money is worthless. With the passage of time and inflation, ten thousand yuan in ten or twenty years may not be as good as five thousand yuan now. So it will be easier to repay later.
What should I pay attention to in mortgage repayment?
1, make an appointment in advance.
During the loan period, one year after the loan is issued, with the consent of the bank, you can apply in writing to repay part or all of the loan in advance. General banks need 2-7 working days to handle this business. Banks have different regulations on early repayment of loans, so lenders must make clear the operating procedures of loan banks before deciding to repay loans in advance.
2. The loan documents should be ready.
If the borrower needs to repay the loan in advance, he should generally bring his ID card to the loan contract bank for examination and approval after telephone or written application. If it is a borrower who has settled all the balance, after the bank calculates the remaining loan amount, it is convenient for the borrower to save enough money to repay the loan in advance. If it is a customer or owner of the sub-mortgage business, it is best to find a professional guarantee institution to do entrusted notarization, so as to avoid the risk that the customer will not buy it after the owner repays in advance or the owner will raise the price after the customer pays the final payment with the down payment.
3. Calculation method of interest rate after interest rate reduction.
The new interest standard will be calculated at the beginning of the new year, so even if the loan is to be repaid in advance, the lender should seize the opportunity and try to repay the loan in advance before the new interest takes effect at the end of the year. After paying off all the loans in advance, the lender should remember to surrender to the insurance company and other departments.