十堰房贷还款方式

十堰房贷还款方式 一、等额本金还款法 即贷款人将按揭贷款的本金分摊到每个月内，同时付清上一交易日至本次还款日之间的利息。 计算公式:每月还款额=贷款本金?贷款期月数+(本金-已归还本金累计额)×月利率 其中: 累计已还款本金=贷款本金/总还款月数*已还款月数 优点:随着还款次数的增多，还款压力会越来越小，并且总的利息支出较低。 缺点:前期月供较高，还款压力很大。 适用人群:这种方式适合目前收入高，但预计将来收入会减少的人群，收入高的中年以上人群比较适合选择这种 方法 快递客服问题件处理详细方法山木方法pdf计算方法pdf华与华方法下载八字理论方法下载 。 二、等额本息还款法 等额本息还款法指借款人把按揭贷款的金额和利息总额相加，然后平均分摊到还款期限的每月之中。作为还款人，每个月还给银行固定金额，但每月还款额中的本金比重逐月递增，利息比重逐月递减。 计算公式:每月还款额=[贷款本金×月利率×(1+月利率)^还款月数]?[(1+月利率)^还款月数—1] 优点:操作简单，每月承担相同的款项方便安排收支。 缺点:由于利息不会随本金数额归还而减少，银行资金占用时间长，还款总利息较高。 适用人群:适用于大多数借款人，尤其是收入处于稳定状态的家庭，经济条件不允许前期投入过大的家庭，也可以选择这种方法。 下面小编用实例来为大家说明一下上面两种房贷还款方法的区别在哪里。 实例:2014年3月份王先生在十堰市北京路以5500元/?的价格买了一栋100?的房子，他决定贷款35万元，按20年(240月)按揭付款，年利率以6.55%为基准。 等额本金(元) 等额本息(元) 第1月还款额 3368.75 2619.82 第2月还款额 3360.79 2619.82 第3月还款额 3352.83 2619.82 第4月还款额 3344.87 2619.82 to find solutions. Especially valuable is, these two missions took the city in Beijing, the considerable work in blue, from yinglaisongwang, provide services to invite businessmen and for major projects, micromanaging, hands-on, real offices full service, full service role. Hotel in Pingliang, Pingliang building and printingBrush factory service quality and service levels have also been further enhanced. Second, creatively work towards funding projects onto a new stage. The Beijing liaison office LAN from simple secure funding, and the shift to a more directly involved in the project, from the small projects to large projects to introduce change, strengthening project work. Liaison Office in Beijing, always put the report convergence and implementation, as reported to national construction projects, I work a top priority, take the initiative to strengthen contacts with national ministries and provincial authorities on contact and, from top to bottom convergence projects in advance, timely feedback on the city and the County (district). Liaison Office in Beijing this year, and cooperate with, or directly with item 8 of the interface implemented on the national, provincial, for State investment of nearly 20 million Yuan. The blue Office closely around the city's four pillar industries, large projects and more mature projects, brand focus and direction of the project as an investment. Grasp the „„ „„ „„ 第239月还款额 1474.25 2619.82 第240月还款额 1466.29 2619.82 总还款额 580205.21 628756.54 支付利息款 230205.21 278756.54 由此可见，若王先生选择等额本金还款法，会少还利息48551.33元，但是前几个月的还款压力很大，平均每月比等额本息还款法多还700余元。 三、按期付息还本 按期付息还本是指借款人通过和银行协商，为贷款本金和利息归还制订不同还款时间单位。即自主决定按月、季度或年等时间间隔还款。实际上，就是借款人按照不同财务状况，把每个月要还的钱凑成几个月一起还。 优点:还款比较灵活，适当缓解还款压力 缺点:若长时间收入处于低迷时期，可能导致无法还贷的现象。 适用人群:按期付息还本方式适用于收入不稳定人群，以及个体经营工商业者。目前很多收入与工作量直接挂钩的年轻人也有选择按期付息还本方式的倾向。 四、一次还本付息法 一次还本付息法，又称到期一次还本付息法，是指借款人在贷款期内不是按照月偿还本息，而是贷款到期后一次性归还本金和利息，这种方法只适合短期借贷。 计算公式:到期一次还本付息额=贷款本金×[1+年利率(%)] (贷款期为一年) 到期一次还本付息额=贷款本金×[1+月利率(?)×贷款期(月)] (贷款期不到一年) to find solutions. Especially valuable is, these two missions took the city in Beijing, the considerable work in blue, from yinglaisongwang, provide services to invite businessmen and for major projects, micromanaging, hands-on, real offices full service, full service role. Hotel in Pingliang, Pingliang building and printingBrush factory service quality and service levels have also been further enhanced. Second, creatively work towards funding projects onto a new stage. The Beijing liaison office LAN from simple secure funding, and the shift to a more directly involved in the project, from the small projects to large projects to introduce change, strengthening project work. Liaison Office in Beijing, always put the report convergence and implementation, as reported to national construction projects, I work a top priority, take the initiative to strengthen contacts with national ministries and provincial authorities on contact and, from top to bottom convergence projects in advance, timely feedback on the city and the County (district). Liaison Office in Beijing this year, and cooperate with, or directly with item 8 of the interface implemented on the national, provincial, for State investment of nearly 20 million Yuan. The blue Office closely around the city's four pillar industries, large projects and more mature projects, brand focus and direction of the project as an investment. Grasp the 其中:月利率=年利率?12 优点:对于小企业和个体经营者，这种方式可以减轻还款压力。 缺点:这种方法容易使贷款人缺少还款强迫外力，除非贷款人有比较好的自我安排能力，否则慎用这种方法。 适用人群:这种方法一般适用于期限在一年以内的贷款客户，通常是有价单证(如:银行存单、国债等)质押贷款。 五、转按揭 “转按揭”就是个人住房转按贷款，个人住房转按贷款是指已在银行办理个人住房贷款的借款人，向原贷款银行要求延长贷款期限或将抵押给银行的个人住房出售或转让给第三人而申请办理个人住房贷款变更借款期限、变更借款人或变更抵押物的贷款。 因住房出售申请转按的，贷款额度最高不得超过该房屋交易价格或评估价值(以较小者为准)的70%，商用房最高不超过50%;因房屋赠与、继承等原因申请转按的，转按贷款额度不得超过原贷款余额。 六、宽限期还款法 宽限期还款法是在等额本金还款法的基础上衍生的一种还款方式。 即在贷款合同约定的还款周期(按月/季/年)内(最后一期除外)增加还款宽限期，借款人在宽限期内归还每期还款额的，视同正常还款，不计收宽限期罚息;超过宽限期还款的，将按实际违约天数(含宽限期天数)计收罚息。 优点:减轻支付首期款后的还款压力 缺点:这种方式如果延长还款年限，总利息也会相应增加 to find solutions. Especially valuable is, these two missions took the city in Beijing, the considerable work in blue, from yinglaisongwang, provide services to invite businessmen and for major projects, micromanaging, hands-on, real offices full service, full service role. Hotel in Pingliang, Pingliang building and printingBrush factory service quality and service levels have also been further enhanced. Second, creatively work towards funding projects onto a new stage. The Beijing liaison office LAN from simple secure funding, and the shift to a more directly involved in the project, from the small projects to large projects to introduce change, strengthening project work. Liaison Office in Beijing, always put the report convergence and implementation, as reported to national construction projects, I work a top priority, take the initiative to strengthen contacts with national ministries and provincial authorities on contact and, from top to bottom convergence projects in advance, timely feedback on the city and the County (district). Liaison Office in Beijing this year, and cooperate with, or directly with item 8 of the interface implemented on the national, provincial, for State investment of nearly 20 million Yuan. The blue Office closely around the city's four pillar industries, large projects and more mature projects, brand focus and direction of the project as an investment. Grasp the 适用人群:此种方法主要是解决一些客户临时出差或遇特殊情况而出现的非恶意临时欠款问题，通常银行会对他们的优质客户给予此种配套优惠 方案 气瓶 现场处置方案 .pdf气瓶 现场处置方案 .doc见习基地管理方案.doc关于群访事件的化解方案建筑工地扬尘治理专项方案下载 。 七、双周供 所谓贷款“双周供”，是指个人按揭贷款由传统的每月还款一次改为每两周还款一次，每次还款额为原来月供的一半。 优点:借款人的还款总额获得了有效的减少，还款周期得以明显的缩短，客户在还款期内能省下不少利息。 缺点:双周供对于资金安排的要求将大大高于月供，忘记或者不够还款的可能高于月供，而双周供的罚息还要比一般的要高。 适用人群:适合工资发放时间错开的双职工家庭，以及一些从事零售、网上交易等现金流比较均衡的经营者，可以大大提高资金的利用率。 八、存抵贷法 “存抵贷”是为满足那些经常有余钱以备不时之需的客户而设计的。购房者只需将活期存款账户与房屋贷款关联起来，并将自己的闲置资金放在约定的活期账户上，超过一定数额(各银行标准不同)后银行会按比例将其视作提前还贷，节省的利息作为理财收益返还给客户。 优点:缓解还贷压力，同时保证资金的流动性。 缺点:存款收益与股票、债券等相比略低。 适用人群: 计划 项目进度计划表范例计划下载计划下载计划下载课程教学计划下载 持有房产期限较短或有提前还贷计划，有较强融资需要，资信良好的借款人。 to find solutions. Especially valuable is, these two missions took the city in Beijing, the considerable work in blue, from yinglaisongwang, provide services to invite businessmen and for major projects, micromanaging, hands-on, real offices full service, full service role. Hotel in Pingliang, Pingliang building and printingBrush factory service quality and service levels have also been further enhanced. Second, creatively work towards funding projects onto a new stage. The Beijing liaison office LAN from simple secure funding, and the shift to a more directly involved in the project, from the small projects to large projects to introduce change, strengthening project work. Liaison Office in Beijing, always put the report convergence and implementation, as reported to national construction projects, I work a top priority, take the initiative to strengthen contacts with national ministries and provincial authorities on contact and, from top to bottom convergence projects in advance, timely feedback on the city and the County (district). Liaison Office in Beijing this year, and cooperate with, or directly with item 8 of the interface implemented on the national, provincial, for State investment of nearly 20 million Yuan. The blue Office closely around the city's four pillar industries, large projects and more mature projects, brand focus and direction of the project as an investment. Grasp the 九、公积金转帐还贷 在申请购房组合贷款时，一方面尽量用足公积金贷款并尽量延长贷款年限，在享受低利率好处的同时，最大程度地降低每月公积金的还款额;最大程度地缩短商业贷款年限，在家庭经济可承受范围内尽可能提高每月商业贷款的还款额。这样，月还款额的结构中就会呈现公积金份额少、商业份额多的状态。公积金账户在抵充公积金月供后，余额就能抵充商业性贷款，这样节省的利息就很可观。 优点:在享受低利率好处的同时，最大程度地降低每月公积金的还款额 适用人群:有住房公积金的人群 小编结语:现在房贷还款的方式种类繁多，对于我们来说，房贷还款方式的选择，并不是利息越低的对我们越好，我们还需要根据个人的经济情况而定，只有适合自己的还贷方法才是最省钱的. to find solutions. Especially valuable is, these two missions took the city in Beijing, the considerable work in blue, from yinglaisongwang, provide services to invite businessmen and for major projects, micromanaging, hands-on, real offices full service, full service role. Hotel in Pingliang, Pingliang building and printingBrush factory service quality and service levels have also been further enhanced. Second, creatively work towards funding projects onto a new stage. The Beijing liaison office LAN from simple secure funding, and the shift to a more directly involved in the project, from the small projects to large projects to introduce change, strengthening project work. Liaison Office in Beijing, always put the report convergence and implementation, as reported to national construction projects, I work a top priority, take the initiative to strengthen contacts with national ministries and provincial authorities on contact and, from top to bottom convergence projects in advance, timely feedback on the city and the County (district). Liaison Office in Beijing this year, and cooperate with, or directly with item 8 of the interface implemented on the national, provincial, for State investment of nearly 20 million Yuan. The blue Office closely around the city's four pillar industries, large projects and more mature projects, brand focus and direction of the project as an investment. Grasp the