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How to calculate interest after mortgage prepayment?

Time: 2014-12-08         Source: Financial 360         Author: Yuan Yuan

A lot of house slaves with loans are accustomed to having spare cashPrepayment. Early repayment figure what? Nothing more than to save interest expenses. So, how to calculate the interest after early repayment? Below, let's talk about it.

Early repayment is divided into two types, one is all early repayment, the other is part of the advance repayment.

  All early repaymentIs a one-time settlement of the principal and interest of the mortgage. After all prepayment, the interest calculation deadline to pay off the principal and interest of the bank's day, in other words how long you borrow the bank's long-term interest.

  Partial prepaymentIs only part of the loan repayment of principal and interest, as well as the remaining principal and interest have not been settled. The outstanding loan principal and interest, interest or in accordance with the original loan contract agreedLending ratesExecutive (discount will have been concessions down).

360 financial tips, for some prepayment outstanding loan balance part, there are two ways to repay, one is to shorten the repayment period of the loan, the inconvenience for the amount of the second is the same loan repayment deadline to reduce the monthly Month for the amount. In contrast, the first is more interest-saving.

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    Renovation loan

    Buy a home renovation loan