2. The other is the calculation formula of the average capital method. This calculation method pays more in front and less in the back, and the repayment pressure is getting smaller and smaller, but the disadvantage is that the pressure in front is great. The basic formula is monthly repayment amount = principal /n+ residual principal * monthly interest rate, and total interest = principal * monthly interest rate * (loan months /2+0.5). If you have more money on hand, you can do this.
3. Compared with the above two methods, each has its own advantages. The former needs to repay more loans than the latter, and the average capital method needs less loans than the equal principal and interest method. But you should judge according to your own situation. The borrower can choose which way to repay the loan, and the bank will provide the way according to the customer's opinion.
A house with a loan
1. You can go to the loan bank to consult whether you can refinance the mortgaged property. If you can, you can transfer the loan you still owe to the bank to the buyer's name.
2. If the buyer doesn't want to continue the mortgage, he can also pay off the bank loan directly without bearing the loan interest.
3. If the banking department does not allow mortgage, you can find a formal guarantee company to redeem the deed. After the redemption of the deed, it is equivalent to canceling the mortgage relationship of the original house. In this case, the house can be traded. Of course, the guarantee company will charge fees.
4. You can find a formal intermediary company to pay off the loan first by collecting the advance payment from the buyer, but you need to go to the notary office for notarization, which requires a certain handling fee.