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Today chaired Wu Xiaomin
Frequent central bank to raise interest rates, prepayment option for many mortgage owners, but for most people for loans to buy a house moncler jacken, full prepayment is clearly unrealistic louis vuitton outlet, most people choose part of the early repayment. In this regard, financial experts said that if the mortgage loans on the part of the loan repayment plan in advance, select equal principal repayment method is more cost-effective. Letters inviting current financial classrooms Hangzhou Branch of Guangdong Development Bank Xu Yan Certified Financial Planner to answer some questions.
Q: To buy a house loans G-star, commercial loans $ 500,000, the repayment period of 20 years, after a few years may have lost part of the loan ahead of schedule, the banks have equal principal and interest payments and principal repayment are two ways to equal choice, which one should I choose?
A: The principal and interest equal repayment method: the borrower equal to the amount of monthly principal and interest to repay the loan. Equal principal repayment method: the borrower equal monthly repayment of principal, interest on loans decreased month by month. Equal installments of principal and interest repayment method is also not the same amount of principal Mbt schuh, the initial monthly loan repayment, the interest accounting for a larger proportion of the smaller proportion of total capital. Equal principal repayment method in the entire repayment period, principal installment amount in the same, to reduce the monthly repayment of interest. Time of the loan under the same conditions, the use of principal and interest equal repayment method is higher than the interest paid by equal principal repayment method.
Example Nike Free Run, apply the $ 200,000 two years ago, 20 years of commercial mortgage interest rate of 5.508%. If you choose to principal and interest equal repayment method Abercrombie fitch germany, for the month was 1376.68 yuan Belstaff jacken, the first 5-year cumulative repayment amount 82600.8 yuan, of which the return of principal is 31600.77 yuan, interest is 51000.03 yuan, most of the money to repay the interest, principal only 38.26 percent. If you choose to equal principal repayment method mbt schuh, the first 5-year cumulative repayment amount 98309.7 yuan, of which the return of principal to 49,999.8 yuan, interest of 48 Moncler herren,309.9 yuan, accounting for 50.86% of principal.
Be seen, the use of principal and interest equal repayment method, as the initial years of repayment of interest paid to banks far more than the principal amount, relatively speaking, a bit early repayment does not pay. Therefore, if you intend to buy a house when the prepayment, the best choice for equal principal repayment method.
Q: daughter to study abroad for two years nike damen günstig, before going abroad is not required in the country buy insurance? Abroad to be able to protect it?
A: At present Asics, insurance companies have not devoted to the student insurance coverage. If you must buy it, consider buying an overseas travel accident insurance, this insurance generally take into account the medical and accident protection. In the event of an accident, but also return claims, but the insured to the insurance company can apply for overseas emergency relief services. As the domestic insurance companies to confirm the occurrence of insured events overseas, claims and other aspects of the program on more complex, it is recommended best buy local insurance company's products Mbt günstig, although the cost will be expensive, but foreign insurance design, better insurance coverage, etc. students to adapt to local conditions more conducive to students to obtain insurance coverage.
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