Main component plants the way that the room borrows: Commerce borrows money, accumulation fund borrows money, combination loan.
The reimbursement way that the room borrows basically is two kinds: Wait for frontal principal and interest, wait for frontal capital.
The reimbursement time that the room borrows: Fixed number of year differs, choose 20 years commonly or 30 years.
Select different loan kind, different loan time, different bank borrows money, the interest rate of loan can have bigger difference. Select different reimbursement kind, different loan fixed number of years, amount of every months of reimbursement can have bigger difference, can affect month of lunar amount.
Of loan means different -- current standard loan interest rate is 4.9% , interest rate of accumulation fund loan is 3.25% ;
Loan time is different -- 2009 of the bank 7 change interest rate, the attune on always of silver-colored nowadays action 20% ;
Different bank borrows money -- final loan interest rate is decided by each him bank, some rise 10% , some rise even 40% ;
Different reimbursement kind -- the reimbursement amount that waits for frontal principal and interest every months is fixed, before amount of reimbursement of capital waiting for the forehead tall hind low;
Different loan fixed number of years -- term is shorter, reimbursement amount of every months is higher, vice versa;
We assume the bank used standard loan interest rate in August 2018, reimbursement deadline 30 years, wait for frontal principal and interest, what house-owner chooses is commercial loan (restrain a condition) , so every months of reimbursement 1857.54 yuan.
If be below similar tie requirement, selection accumulation fund borrows money, so every months of reimbursement 1523.22 yuan.
In similar obligation the condition falls, selection accumulation fund borrows money, return 334.32 yuan less every months.
We assume the bank used standard loan interest rate in August 2018, commerce borrows money, wait for frontal principal and interest, what house-owner chooses is 20 years of reimbursement (restrain a condition) , so every months of reimbursement 2290. Yuan.
In similar obligation the condition falls, choose 30 years to wait for reimbursement of frontal principal and interest to return 433.01 yuan lesser than.
We assume the bank used standard loan interest rate in August 2018, commerce borrows money, 30 years of reimbursement, the reimbursement means of the frontal capital such as house-owner choice (restrain a condition) , so reimbursement of the first month 2401.39 yuan, month by month is degressive.
We assume house-owner chose commercial loan in August 2018, 30 years of reimbursement, wait for the reimbursement means of frontal principal and interest, rise of some bank interest rate 20% (restrain a condition) , so every months of reimbursement 2071.5 yuan.
In similar obligation the condition falls, choose standard loan interest rate to compare interest rate rise the bank of 20% , return 213.96 yuan less every months.
