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how to deal with increasing interest loans property buyers, the recent media coverage has become hot. To choose matching repayment of principal Act (hereinafter referred to as the law of) instead of matching interest repayment options Law (hereinafter referred to as the matching law) is a lot of so-called "experts" to the borrower, but senior bank loans experts are reminding the borrower to save loan interest, the key is to choose a reasonable repayment period, instead of repayment methods. housing experts point out that the so-called matching law, the law than the savings interest is one-sided perspective. The same borrowing period, the total interest paid, etc. This is indeed lower than matching law, but the borrower pay less interest cost is also more early repayment of loans by way of return, rather than "ministry" out. To the original commercial mortgage interest rates, for example, if the borrowing 10 million, the repayment period to 10 years, the use of matching law, the monthly repayment amount 1062.61 yuan, total interest to 27513.37 yuan; First, the law on the use of repayment 1253.33 yuan, after monthly repayment over 3.5 billion, total interest to 25409.6 million France underpayment interest than matching 2103.77 million. but we may discover that the same 100,000 yuan loan, a matching 8-year loan repayment law, the repayment amount from 1267.90 million, and basic first 10 months this year, also close to the amount, 21718.13 yuan and the total interest is more than 10 years, this underpayment interest 3691.47 million. What is the reason for this? Simple, 8-year matching the monthly repayment amount is in addition to the first month, than 10 years of the repayment period of more than France, more repayments, interest on the underpayment of course. housing experts point out that the introduction of this bank, a borrower does not provide interest savings methods, but because of the gradual reduction of the amount of this monthly repayment, those who can adapt to the expected decline in income borrowers demand. most stable income, even in the future may increase income borrowers, the lending rates are expected to rise in the circumstances, should be based on their economic capacity, to reduce the borrowing period, is the right way to save interest. The above example, since the borrowers monthly capacity of 1,250 yuan loans, the amount of course choice is the eight-year fixed monthly matching law, and should not have to choose the amount decreased month by month, this 10-year period. To those who have the repayment period borrowers, with the interest rate increases, may require banks to shorten the repayment period and not to change the repayment savings interest. |
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