Paying 3,000 real estate goods a month, in fact, how much is in the principal of the house, it can t

It depends on which loan method you choose 1. Equal repayment of principal and interest.

In fact, when you are looking at a first-hand house, the sales lady will give you this calculation, because the monthly repayment amount is fixed, and compared with the other way, this amount is smaller and more acceptable to buyers. But do you know what the real repayment situation looks like?

Take a loan of 20 years, a loan of 1 million yuan, and a monthly repayment of January as an example. The bank dollar is repaid every month--- of which the yuan is the interest and the yuan is the principal, that is, most of the money you repay is the bank interest, and the principal is less.

When the repayment period is half (for example, it is repaid in 20 years, and you have repaid it for 10 years), the interest has been almost repaid in the first 10 years, but there is still a large part of your principal that has not been repaid, and these must be repaid, even if you are much better after 10 years, you can repay it in advance, but the back is basically the principal, the interest is very little, and there is no point in you repaying it in advance.

When you are in the bank, you will basically only tell you this one, because in this way, the bank's interests will be maximized.

For most families, since the loan is 20 years, it is impossible to repay it in a short period of time, but it can generally be repaid after 10 years. In this way, the bank's interest income will be reduced a lot, so they let you pay the interest for the first 10 years, and the principal is basically not reduced. Even if you have money and repay it, the bank will earn most of the interest income, and you will not lose anything to the bank if you pay it back early.

2. Equal principal repayment.

One of the problems I found was that the bank would not offer to have this repayment method. Basically, only the former is said. Fortunately, I learned about it before, so I proposed to repay the equal principal model.

This is still based on a loan of 20 years, a loan of 1 million yuan, and a monthly repayment of 9,625 yuan as an example.

The monthly repayment is more than 2,140 yuan more than the equivalent principal. Among them, the yuan is the principal, and the 5,458 yuan is the interest. At the beginning of the second month, only the yuan will be repaid, because the principal was repaid last month, and the interest of this month will be recalculated, and the interest will be 23 yuan less.

And so on, the later you go, the less pressure you have to repay the loan. And the most important thing is that when you want to repay the loan in advance, for example, after 5 years, because of the method you choose, the principal is repaid more, and the principal is much less than the previous method, and the principal part of the early repayment is offset more, so that the interest expense will be much less when the interest is recalculated (nearly 10,000 yuan of interest for each year less).

And even if you don't repay it in advance, in this way, if you repay it for 20 years, you will have to pay about 14 less interest! It's just that the pressure in the early stage is greater! But for the sake of the long term!

Equal repayment of principal and interest, with more interest and less principal in the monthly repayment amount in previous years. The late stage is the opposite.

Summary. Kiss. Hello, happy to answer this question for you. If the mortgage is 3,000 per month, there is a principal amount of 1,800 to 1,900.

Kiss. Hello, happy to answer this question for you. If the mortgage is 3,000 per month, there is a principal amount of 1,800 to 1,900.

If your mortgage is repaid with equal principal and interest, and this is the upfront period, the upfront principal is in the range of 1,000 yuan.

The monthly payment of 3,000 yuan in the later period is 2100 to 2200 yuan.

Because if the repayment method of equal principal and interest is used, the repayment in the early stage is basically interest, and the repayment in the later period is basically the principal.

520,000 house price, down payment of 180,000, repayment of the loan for 37 years and monthly repayment of 2,900, repayment for 10 years, now ready to pay it off at one time, how much money is needed.

Isn't the mortgage up to 30 years? Why 37 years?

Bought it in 12 years.

The loan is repaid for 15 years.

Uh-huh. Are you there.

How much more money is needed.

It was also 10 years old.

You have to at least tell the loan principal, the loan term and the loan interest rate.

And how much you have already repaid, you have to tell me about this.

You didn't say any of the key information.