Buy a house, the full amount is 345,000 yuan, the down payment is 30%, about 65,438+million yuan, and the loan is 240,000 yuan, which will be repaid in 20 years. The monthly payment is about 1790 yuan. If you can repay in advance, use the average capital repayment method.

At present, the repayment methods of bank personal housing loans mainly include equal principal and interest and average capital. wait for

Matching principal and interest repayment method repays the loan principal and interest in equal amount every month, with the interest decreasing month by month and the principal increasing month by month; In the average capital, the repayment amount is decreasing, the principal remains unchanged in the monthly repayment, and the interest decreases month by month.

The main difference between the two is that the former has the same repayment amount in each installment, that is, the total monthly principal plus interest is the same, and the repayment pressure of customers is balanced, but the interest burden is relatively large; The latter is also called' decreasing repayment method'. The monthly principal is the same but the interest is different. The early repayment pressure is great, but the future repayment amount is gradually reduced, and the total interest burden is less.

Now, people who know these two ways think that it is cost-effective to choose average capital, because they choose to pay more principal and interest with equal amount, while average capital pays less interest. Moreover, they think that once they repay the loan in advance, they will find that the equal amount of principal and interest will pay more interest, not the principal, and they will feel great losses.

Matching principal and interest repayment method has a balanced repayment pressure but needs to pay more interest, which is suitable for people with certain savings, but their income may be flat or declining, and their living burden is increasing day by day, and there is no prepayment plan.

The average capital repayment method, because the lender can repay the principal quickly, can pay less interest, but the early repayment amount is large, so it is more favorable for people with higher income at present, or those who expect a substantial increase in income in the near future and are ready to repay in advance. The repayment amount of average capital is decreasing, and the monthly repayment amount of equal principal and interest is fixed.