The mortgage on the selection of matching interest and equal principal stress ssport

The mortgage on the selection of matching interest and equal principal stress [Abstract] this year, real estate investment also enthusiasm. But you know, buy a house after the so-called "month for" two repayment means "matching service" and "matching principal", where the difference between them? This year, a second tier cities in the real estate market is very prosperous, people’s enthusiasm for real estate investment is also rising. But you know, buy a house after the so-called "month for" two repayment means "matching service" and "matching principal", where the difference between them? According to the wealth management institutions Richwood Reed financial planner David, the difference is that in the calculation of bank mortgage repayment amount for borrowers, usually monthly savings, and borrowers also "for months" is composed of two parts. Part of the principal, part of the interest, the two add up, it is also the monthly amount of the month. The so-called "matching service", the monthly repayment of the interest + "and remain unchanged; and" matching principal ", is the monthly repayment amount, the principal portion remains unchanged, interest is also considered. After the repayment of this repayment method, the less the total amount of arrears, the less the interest part of the arrears. Often hear the term, "matching principal repayment" than "matching service repayment cost, the idea of? In this regard, David pointed out that this formulation has a greater understanding of the misunderstanding. For example: if the loan 1 million, choose to pay off in 20 years, the annual interest rate of 6.55%, the monthly interest rate of $0.5458%. A repayment, matching principal, the monthly repayment of principal for 1 million and 240 months, the monthly 4167 yuan; (1) the first month of the repayment of interest is 1 million yuan *0.5458%=5458, the first month repayment amount for 4167+5458=9625 yuan. (2) second months remaining principal is 1 million -4167=995833 yuan, second months will also interest: 995833*0.5458%=5435.26 yuan, the actual second months of payments for 4167+5435.26=9602.26 yuan and so on. Finally, a total of 20 years under the equal principal repayment of about 1 million 660 thousand yuan, a total payment of 660 thousand yuan interest. Two,. If it is a matching service, borrowing 1 million yuan, 20 years to pay off, the annual interest rate of 6.55%, the monthly interest rate of 0.5458%, the monthly repayment amount (including the interest of 7485.2 yuan). (1) the first month to calculate the same interest for 5458 yuan, the first month return of principal 7485.2-5458=2027.2 yuan; (2) second months interest is last month that the principal balance of 1 million yuan -2027.2=997972.8, second months should also interest 997972.8*0.5458%= is 5446.94 yuan, return second the principal is 7485.2-5446.94=2038.26 yuan and so on. Finally, a total of 20 years under the matching interest repayment of about 1 million 800 thousand yuan, a total of 800 thousand yuan to pay interest. In fact, from the point of view of repayment相关的主题文章: