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5 kinds shift to an earlier date pop chart of reimbursement means be economical

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Of Central Bank not long ago add again breath, make each big the person buy a house that the bank still borrows ahead of schedule is in close paragraph of time is apparent grow in quantity. In fact, no matter add,cease, the person that buy a house is fond of very in the condition suitable case falls, the choice still is borrowed ahead of schedule purchase room cost in order to decrease. And the personage inside course of study also thinks, before a few years when borrowing money, especially before 5 years must strive for much reimbursement, the capital base in making always borrow money drops, in the rest loan interest burden can be reduced.

Current, the bank offers ahead of schedule reimbursement means has 5 kinds basically, namely one-time pay off; The month is offerred changeless, shorten reimbursement fixed number of year; Reduce a month to offer, reimbursement period is changeless; Reduce a month to offer, shorten reimbursement deadline and increase a month to offer, shorten reimbursement deadline. And do these 5 kinds still borrow way ahead of schedule after all which kind of most economic be economical? For this, we consulted ground of Beijing Central Plains technically to produce 3 class market to study the professional personage of the ministry, do for you with case fore-and-aft quite.

   Case analysis

Mr Wang purchased a total 700 thousand yuan house, head pay 50% hind, loan specified amount is 350 thousand yuan, loan time limit 20 years, reimbursement of law of reimbursement of principal and interest waiting for the forehead is used in its after 6 months, the consideration shifts to an earlier date reimbursement. Right now, specified amount of loan of his place remnant is 335180 yuan, what return interest among them in all 10117 yuan. From above data can see, only gentleman of king of time of half an year already defray 10 thousand multivariate accrual. And calculate through using means of the following 5 kinds of reimbursement respectively total interest expenses, cipher out shifts to an earlier date which kinds reimbursement means more economic be economical.

The first kind: Borrow money place remnant one-time pay off
The interest specified number before accrual amount = still is borrowed ahead of schedule (10117 yuan)

The 2nd kind: The part shifts to an earlier date reimbursement, the month is offerred changeless, shorten reimbursement deadline

Shift to an earlier date reimbursement 100 thousand yuan, the lunar water supply before still maintaining is smooth, namely 2470 yuan, loan time limit shortens for 10 years 6 0 months, ahead of schedule the total interest after reimbursement is 81000 yuan.
Accrual amount =10117 81000=91117 yuan

The 3rd kind: The part shifts to an earlier date reimbursement, reduce a month to offer, reimbursement deadline is changeless

Shift to an earlier date reimbursement 100 thousand yuan, loan time limit is odd 19 years 6 months, the month is 1682 yuan for decreasing, ahead of schedule total interest is 158494 yuan after reimbursement.