Apr 25th, 2011, 22:16 | #1 |
Senior Member
注册日期: Jan 2010
帖子: 470
|
这贷款利率怎么算的?
5年的固定,每月付的基本都是利息.那5年过后,还的全是本金?那5年后的利率有啥用? 如果double pay和15%多付的话,到底还的是那部分的钱?谁给科普一下还贷款知识? |
|
Apr 25th, 2011, 23:12 | 只看该作者 #3 |
《东方报》特邀投 理财专栏评论
注册日期: Apr 2009
帖子: 629
声望: 115507
|
Monthly Payment含有Principle本金和Interest利息,开头几年,Monthly Payment里面本金部分要少于利息,但是慢慢随着本金还得越多,同样的月付进去本金部分就越来越多。 这是个25年,根据300,000,利息4%的table,25年的Amortization是指假设每个月的monthly payment月付不变,假设25年每年都是4%(实际上5年term过去后一般利率会改变,或高或低),每年同样的还款,进去本金和还掉利息的比例。 Year Principal Outstanding Principal & Interest Payment Interest Principal New Principal Outstanding Payment Options Selected Amortization Table Year Principal Outstanding Principal & Interest Payment Interest Principal New Principal Outstanding Payment Options Selected 1 $300,000.00 $18,936.84 $11,771.86 $7,164.98 $292,835.02 2 $292,835.02 $18,936.84 $11,482.40 $7,454.45 $285,380.58 3 $285,380.58 $18,936.84 $11,181.24 $7,755.60 $277,624.97 4 $277,624.97 $18,936.84 $10,867.91 $8,068.93 $269,556.04 5 $269,556.04 $18,936.84 $10,541.92 $8,394.92 $261,161.12 6 $261,161.12 $18,936.84 $10,202.77 $8,734.07 $252,427.05 7 $252,427.05 $18,936.84 $9,849.91 $9,086.93 $243,340.13 8 $243,340.13 $18,936.84 $9,482.80 $9,454.04 $233,886.09 9 $233,886.09 $18,936.84 $9,100.86 $9,835.98 $224,050.11 10 $224,050.11 $18,936.84 $8,703.48 $10,233.36 $213,816.75 11 $213,816.75 $18,936.84 $8,290.06 $10,646.78 $203,169.97 12 $203,169.97 $18,936.84 $7,859.93 $11,076.91 $192,093.06 13 $192,093.06 $18,936.84 $7,412.42 $11,524.42 $180,568.63 14 $180,568.63 $18,936.84 $6,946.83 $11,990.01 $168,578.63 15 $168,578.63 $18,936.84 $6,462.44 $12,474.40 $156,104.22 16 $156,104.22 $18,936.84 $5,958.47 $12,978.37 $143,125.86 17 $143,125.86 $18,936.84 $5,434.14 $13,502.70 $129,623.16 18 $129,623.16 $18,936.84 $4,888.64 $14,048.20 $115,574.96 19 $115,574.96 $18,936.84 $4,321.09 $14,615.75 $100,959.20 20 $100,959.20 $18,936.84 $3,730.61 $15,206.23 $85,752.98 21 $85,752.98 $18,936.84 $3,116.28 $15,820.56 $69,932.42 22 $69,932.42 $18,936.84 $2,477.13 $16,459.71 $53,472.71 23 $53,472.71 $18,936.84 $1,812.16 $17,124.68 $36,348.02 24 $36,348.02 $18,936.84 $1,120.32 $17,816.52 $18,531.51 25 $18,531.51 $18,932.04 $400.53 $18,531.51 $0.00 |
Frank Zhang 张鹏 TD道明银行地区房贷经理 地区业务量第一 Top行业Producer TD Canada Trust,Email:frank.p.zhang@td.com 电话:403-629-2288 传真: 1 403 770 8864欢迎查询房贷按揭 |
|
|
感谢 CrazyBanker 此篇文章之用户: |
polarman (Apr 25th, 2011) |