On the one hand, isn't there a prospect for the development of large-scale investment projects of companies and enterprises and Dao International? To understand the strength and liabilities of his company, there are two aspects: when there are too many loan funds and you can't repay them, you take great risks. If the bank can't get the money, the money you help with the loan will definitely come to you from three aspects: it seems that Long Jitai and his boss are now registered in other places, so it is not impossible to invest carefully, and the loan is risky! ! ! ! !
Second, in bank loans, do you usually pay interest first and then the principal?
One: Bank loans are repaid together with principal and interest. Monthly payment is composed of two parts (interest principal), and interest accounts for a relatively high proportion at first. (Take housing loan as an example)
And loans are divided into two ways: average capital and equal principal and interest. The average capital, as the name implies, still has the same amount of principal every month, but because the interest is decreasing month by month, the average capital has a higher repayment amount at the beginning and the cheaper it is later; Matching principal and interest means that the monthly payment is constant, and the interest part that constitutes the monthly payment is first high and then low, and the principal part is first low and then high.
2: 20 12 The latest interest rate is 6.55, so if the loan is 480,000 yuan and the service life is 30 years,
Matching principal and interest repayment: the monthly payment is 3,050 yuan, and the 30-year interest is 6 1790 1.
Average principal repayment: RMB 3,953 in the first month (8 yuan will be reduced every month), and the 30-year interest is 4729 10/0.
Matching principal and interest, the monthly capital pressure is less, but the interest generated is more; The average capital has great repayment pressure at first, but the total interest is very small.
If you use the same amount of principal and interest, you will save a lot of income by repaying in advance as far as possible ... First, the bank loan repays the principal and interest, and the monthly payment is composed of two parts (interest principal), and the interest ratio is relatively high at first. (Take housing loan as an example)
And loans are divided into two ways: average capital and equal principal and interest. The average capital, as the name implies, still has the same amount of principal every month, but because the interest is decreasing month by month, the average capital has a higher repayment amount at the beginning and the cheaper it is later; Matching principal and interest means that the monthly payment is constant, and the interest part that constitutes the monthly payment is first high and then low, and the principal part is first low and then high.
2: 20 12 The latest interest rate is 6.55, so if the loan is 480,000 yuan and the service life is 30 years,
Matching principal and interest repayment: the monthly payment is 3,050 yuan, and the 30-year interest is 6 1790 1.
Average principal repayment: RMB 3,953 in the first month (8 yuan will be reduced every month), and the 30-year interest is 4729 10/0.
Matching principal and interest, the monthly capital pressure is less, but the interest generated is more; The average capital has great repayment pressure at first, but the total interest is very small.
If you use equal principal and interest, try to repay in advance, which will save a lot of interest; Of course, if the monthly pressure of average capital is not great for you, then choose average capital, but try to repay it in advance.
Third: ICBC also implemented the benchmark interest rate of 6.55. Of course, different regions have different policies, and some places may have preferential treatment, depending on the policies implemented by banks.
exceed
3. Is the foreign bank loan to repay the principal and interest?
Any bank is a business model of principal plus interest, and the difference lies in the amount of interest and the change of name.
4. What is the difference between foreign loans and domestic loans for construction investment?
Which of the five mortgage repayment methods is suitable for you? Cn2006-01-2309: 31:19 The fixed mortgage interest rate that investors have been paying attention to for a long time has finally come out. On June 5, 65438, China Everbright Bank's fixed-rate mortgage products were approved by the central bank. It is reported that China Everbright Bank will take the lead in piloting this new form of mortgage in Beijing and Shanghai. The reporter learned that in addition to China Everbright Bank, China Construction Bank, Shanghai Pudong Development Bank and other banks have submitted a fixed-rate mortgage plan to the CBRC, which will be submitted for approval in the near future. The new benchmark interest rate of 6. 12% was implemented this year, and only investors with good conditions can enjoy the preferential interest rate of 5.5 1%. Can fixed-rate mortgage bring benefits to investors? The general view of bank financial experts is that each repayment method calculates interest according to the borrower's remaining principal. The difference is that some repayment methods repay the principal faster, while others repay slowly, resulting in different total interest of different repayment methods. Banks launch different mortgage methods to meet the needs of borrowers with different incomes. Fixed interest rate mortgage: it is more economical to enter the interest rate hike cycle. It is understood that the fixed-rate mortgage product "Sunshine Life" launched by China Everbright Bank is divided into three categories according to the term: 1 to 5 years, 5 to 10 years, and 10 to 20 years. At present, the specific interest rate standards for various grades of products have not yet been determined. However, according to industry analysis, the interest rate benchmark of fixed mortgage interest rate will refer to the current mortgage interest rate, which will be slightly higher than 6. 12%. According to industry insiders, the mortgage contracts signed by domestic borrowers and banks are all floating interest rates. Every time the central bank raises interest rates, the borrower's monthly payment will increase accordingly. Fixed-rate mortgage will not "go with the market", that is, the fixed interest rate is set when the loan contract is signed, and the borrower will pay interest at the fixed interest rate no matter how the interest rate changes during the loan period. Take the mortgage with a loan of 500,000 yuan and a term of 10 year as an example. If the central bank raises interest rates by 0.25 percentage points every year from the second year after mortgage, the floating interest rate will be 7.245% and the fixed interest rate will be 6. 12% in the tenth year. After 10 years, the fixed rate will save 3 1300 yuan. For the upcoming fixed mortgage interest rate business, many property buyers have shown considerable interest. According to the interview, some investors said that if the mortgage interest rate is fixed, the monthly repayment amount will be fixed, which makes it easier to grasp the amount of funds. However, some investors said that the mortgage will not choose a fixed interest rate. "It is impossible to judge the future trend of bank interest rates. If banks cut interest rates in the future, I feel that fixed-rate mortgages will lose money. " In this regard, financial experts reminded that fixed interest rates have advantages and disadvantages. Because the fixed interest rate will be higher than the current interest rate, it is not cost-effective for those who intend to repay the loan in advance. Financial planners pointed out that investors who expect to raise interest rates are more suitable to apply for fixed-rate mortgages. However, this also requires investors to have certain risk locking ability. We must make a reasonable judgment on the expected interest rate increase space according to the current macro-development situation, and predict the future interest rate increase space in combination with the specific interest rate level of this business product launched by various banks before making a decision. If investors judge that the future loan interest rate will rise to 8% and 9%. Moreover, it lasts for a long time at this relatively high stage and is suitable for choosing a fixed interest rate. However, financial experts believe that the mortgage interest rate has been raised twice recently. Even if there are one or two interest rate hikes, there may be risks in applying for a fixed-rate mortgage at this time. Matching principal and interest repayment: suitable for groups with stable income. According to industry insiders, at present, the most repayment method for banks is equal principal and interest repayment. This repayment method is to add up the total principal and interest of the mortgage loan, and then share it equally every month during the repayment period. As a repayment, he pays a fixed amount to the bank every month, but the proportion of principal in the monthly repayment increases month by month, and the proportion of interest decreases month by month. For example, suppose you need to borrow 200,000 yuan from a bank with a repayment period of 20 years. According to the current interest rates of most banks, the method of matching principal and interest is chosen, and the monthly repayment is about 1376.9 yuan. The total repayment amount is 330,000 yuan, of which the interest payment is 6,543,800 yuan+3,000 yuan. In this regard, bank financial experts analyzed that matching the principal and interest to repay the mortgage is convenient for arranging income and expenditure, and the borrower bears the same amount every month. Matching principal and interest repayment method is especially suitable for people with stable income, who buy a house and live in it, and whose economic conditions do not allow excessive investment in the early stage. Equal principal repayment: suitable for people with higher income at present. In addition to the equal principal and interest repayment method, average capital repayment method is also a common method to repay the mortgage, and the borrower can gradually reduce the burden with the increase of repayment period. This repayment method distributes the principal to each month and pays off the interest between the last repayment date and the current repayment date. For example, suppose you need to borrow 200,000 yuan from a bank with a repayment period of 20 years. According to the current interest rates of most banks, the average capital method is selected. In the initial repayment period, the monthly repayment amount in the first year is about 1.700 yuan; The average monthly repayment in the last year was around 800 yuan. The total repayment amount of the average capital method is 365,438+0,000 yuan, of which the amount of interest paid is 65,438+0,654,38+0,000 yuan. The characteristic of average capital repayment method is that when the borrower starts to repay the loan, the monthly burden is heavier than the equal principal and interest. But with the passage of time, the repayment burden will be gradually reduced. Compared with the method of equal principal and interest in the same period, the total interest expense of this repayment method is lower. If the mortgage interest rate enters the interest rate increase cycle, the average capital repayment method will have more advantages. According to the regulations of most banks now, some loans can only be repaid once a year in advance. If the borrower intends to repay in advance, the average capital repayment method is also a good choice. Equal increase (decrease): the flexible equal increase repayment method and equal decrease repayment method refer to the interval and amount of increase or decrease repayment agreed by investors with banks when handling personal housing commercial loan business; In the initial period, repayment shall be made at a fixed amount; After that, the monthly repayment method is based on the interval and the corresponding increase or decrease. Where the interval is at least 1 month. It subdivides the repayment period, and in each subdivision unit, the repayment method is equivalent to the equal principal and interest. The difference is that the repayment amount of each time division unit may be increased or decreased equally. Take the loan of 654.38 million yuan and the term of 10 year as an example. If the repayment is increased by equal amount, it is assumed that 10 year is divided into five equal stages. As long as 700 yuan is above in the first two years, the monthly loan may be increased to 900 yuan in the second year and to 1 10 in the third year. Equal reduction is just the opposite. In the first two years, you need to pay more 1.300 yuan per month, and then decrease the 200 yuan every two years until it is reduced to more than 700 yuan per month in the last two years. The equal incremental method is suitable for people with weak repayment ability at present, but it is expected to increase gradually in the future. On the contrary, if the expected income decreases, or the current economy is affluent, you can choose to reduce it by an equal amount. Repaying the principal and interest on schedule: It is suitable for real estate investors to "repay the principal and interest on schedule", that is, the borrower sets different repayment time units for the repayment of the loan principal and interest through consultation with the bank. That is, decide to repay once a month, quarterly or annually. In fact, according to different financial conditions, the borrower collects the money to be repaid every month and pays it back together for several months. It is reported that at present, China Merchants Bank is the bank that adopts the method of repaying principal and interest on schedule. After consultation with the bank, the borrower of the principal repayment plan will repay the principal at least 65,438+0,000 yuan each time, and the interval between two repayments will not exceed 65,438+0.2 months, and the interest can be repaid monthly or quarterly. For example, for a loan of 200,000 yuan with a term of 10 year, the borrower can repay the interest and principal respectively, and the interest is still repaid monthly and quarterly, and the amount is decreasing. According to the regulations, the borrower must repay the principal for at least six months at a time, that is, 10000 yuan, and the next repayment of the principal cannot exceed one year. According to bank financial experts, the method of repaying principal and interest on schedule is suitable for people with unstable income and self-employed businessmen. At present, it is more difficult for small and medium-sized enterprises to borrow a sum of money from banks with housing mortgage than to apply for working capital loans from banks through enterprises themselves. Therefore, some people who have enough one-time payment to buy a house still choose a mortgage. However, it is understood that at present, many young property buyers also have a tendency to choose the method of repaying principal and interest on schedule.