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Personal housing loans to repay the way introduced

Time: 2017-01-19         Source: Rong 360 finishing         Author: 360 Financial consolidation

1, expired a debt service method

Loan applicants in the loan period, not the monthly repayment of principal and interest, but the loan after the expiration of one-time return all the principal and interest, the current People's Bank issued 1 year (including 1 year)Personal housing loans, Is used in this way.

2,Equal principal and interest repaymentlaw

The principal and interest repayment method is a way of repayment of the principal amount of the loan with a monthly repayment. As the monthly repayment amount is the same, simple and simple, applicable to the entire loan period of family income has a stable source of credit, such as state organs, scientific research, teaching staff and so on. CurrentlyHousing provident fund loansAnd most of the bank's commercial individual housing loans are used in this way.

3, the amount of principal repayment method

Also said that with the Qing law, and so on the law does not wait for repayment, that is, the loan will be the average amount of loans to the entire repayment of each period (month) return, while paying the previous trading day to the repayment A repayment of interest on the day. This month the amount of monthly repayment decreases month by month, more suitable for already have some savings, but the expected income may be gradually reduced loan applicants, such as middle-aged workers family, its existing savings, but in the future with retirement Near income will be diminishing. The way was launched in January 1999 and is being gradually adopted by banks.

In addition, there are still a small number of domestic banks (such as the Construction Bank) is large and medium cities in the pilot two new ways of repayment:

1, equal to progressive repayment method

Also known as the ratio of incremental (minus) progressive method, that is, the entire repayment period by a certain period of time division, each time period than the previous time (less) according to the agreed fixed ratio, and each time period A repayment method of repayment of principal and interest on the same amount of repayment.

2, the amount of progressive repayment method

Also known as the amount of incremental (minus) progressive method, and its "equal progressive repayment method" is similar to the difference is that each time period agreed on more (less) repayment of the "fixed proportion" to "fixed amount "To repay the principal and interest of the loan with the same amount of repayment in the same period in each time period.

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