A. Loan 80W mortgage, choose which repayment method is good? Equal principal and interest, equal principal and interest?10 years or 20 years good? How much interest does one **** need.
AnswerHello, this equal principal and interest and equal principal two methods does not matter which method is good QuestionLoan 800,000, the interest rate of 5.225 just signed the equal principal, the loan ten years, and now become floating, has been repaying for three years and 04 months, the repayment amount of 575,118, and now want to pay back the loan in advance, trouble to ask which year repayment of the most cost-effective AnswerRepayment in advance, if it is The sooner you pay back the less interest, did not say which year is appropriate, the hands have free money can be slowly side to pay back, pay off the part will no longer calculate the interest of the question that early repayment is not a penalty answer this depends on the provisions of the lending bank, I'm in the postal bank is in the full of a year is not a penalty according to my personal are almost basically a loan full of one year can be paid back at any time in advance are not a penalty. The question is, can you help me to calculate the amount of money that I need to pay? question that you can help me calculate, I still need to pay how much money answer good, wait a moment question I have now paid back 588702 back full 10 years a **** need 1088702 yuan, so also have to pay 422039 yuan question is that I now pay back in advance that is not necessary if all the repayment of the words, the interest is only calculated to the day you pay back and then added to the remaining principal can be more 13 _loan 800,000, the interest rate of 5.225 just signed the beginning of the equal principal, the loan ten years, now become floating, has been repaying three years and 04 months, the repayment amount of 575,118, now want to early repayment, trouble to ask which year repayment is the most cost-effective
You are good, this is equal to the principal interest and equal to the principal of the two methods does not matter which is good
Then early repayment is not a liquidated damage
Isn't that early repayment of the liquidated damage
This is not a good idea to pay back the loan in advance. p>
Early repayment is the sooner you pay back the less interest, did not say which year is appropriate, the hands of the free money can be slowly side of the repayment, pay off the part of the interest will no longer be calculated
Then you can help me calculate how much I still need to
This depends on the provisions of the lending bank, I am in the postal bank in the full one year is not required to default on payment of fees
My Now has paid back 588702
According to my personal understanding of the state-owned six banks almost the policy is similar
is that I now pay back in advance, I, but also so much
Basically, the loan is full of one year can be paid back at any time in advance are not required to default on the payment of money.
Two, what are the different ways to get a loan?
Currently, there are three forms of auto loans: credit card installment purchase, auto finance company loans, and major banks' auto loans.1) Credit card installment purchaseCurrently, credit card installment purchase has become one of the most important channels of auto loans, and the most significant advantage of credit card loans lies in the fast approval and relatively simple procedures.2) Auto finance company loansAuto The financial company loan can be applied for directly in the 4s store, for the account and real estate and other hard conditions are not too many requirements, the loan mode is flexible, and the repayment period is longer.3) major banks to buy a car loan to buy a car loan initially started from the bank loan. However, at present, banks are under the pressure of tightening credit scale, car loans and other consumer loan business has also greatly contracted, some of the low and medium-grade automobile bank loans basically can not get approval. For some commercial banks, personal auto consumer loan approval is also easier, the procedures required are also simpler, and even opened the online application, direct online application can be completed, and no property collateral, the operation is convenient and efficient.
Third, the financing is divided into which modes?
One, the concept of financing
1, financing in the narrow sense, refers to an enterprise financing to raise funds
2, financing in the broad sense, refers to the financial, that is, the financing of monetary funds, the parties to the financial market through a variety of ways to raise or lend funds.
Two, the way of financing
Related to the way of financing, the market name, but can be roughly categorized:
1, equity financing, refers to the shareholders of the enterprise is willing to give up part of the ownership of the enterprise, through the enterprise to increase the introduction of new shareholders in the way of financing.
This way is more, especially start-ups, because the need for capital development, business operations and the recognition of the capital side, so the two sides reached *** knowledge, in the form of equity financing. For example, at present, the company's total assets of 500,000, need to finance 1 million, this time, the enterprise will give its capital to a way of discounting shares, but this capital would not be a liability, but a kind of self-sustaining funds, do not need to give interest, and do not need to guarantee funds.
2, debt financing, refers to the enterprise through the borrowing of money for financing, debt financing obtained by the funds, the enterprise first of all to bear the interest on the funds, in addition to the maturity of the borrowing of funds to the creditor to repay the principal.
Debt financing is that the enterprise is simply is to borrow money from investors, investors become creditors, the enterprise becomes a debtor, the creditor is not a shareholder, do not enjoy any shareholders treatment, in accordance with the interest rate agreed upon by the two sides, due to pay back the principal and interest. For example, the enterprise in order to expand the scale, need to finance 1 million, so with the creditor agreed, the annual interest rate of 5%, one year period. This kind of financing, especially for the bridge fund is more, when the enterprise is in urgent need of funds, often give a higher interest rate.
3, bank loans, refers to the bank in accordance with national policy at a certain interest rate will be lent to the funds in need of funds, and agreed to return a period of economic behavior.
Enterprise development is inseparable from the financial, once the enterprise development to a certain extent, the state will give enterprises more favorable interest rates to provide financial assistance, almost every enterprise will use bank loans, after all, bank loans than debt financing to be slightly cheaper, of course, depending on the specific circumstances figure. In different countries, regions and different periods of a country's development, the types of loans by various criteria are also different.
For example, in the past, real estate companies loan is easier, loan interest is lower, now the national real estate control policy under high pressure, real estate companies are difficult to apply for a loan from the bank.
4, financial leasing, refers to the lessor according to the lessee of the specific requirements of the leased object and the choice of the supplier, capital to the supplier to buy leased objects, and leased to the lessee to use, the lessee will pay rent to the lessor by installments, the ownership of the leased object belongs to the lessor during the lease period, the lessee has the right to use the leased object.
This kind of financing is more special, often for the kind of huge assets and equipment, a kind of lease to finance the way. For example, a hospital, the need to introduce an expensive high-end medical equipment, worth tens of millions of dollars, this time, usually take the way of financial leasing.
5, stock financing, stocks have a permanent, no maturity date, do not need to return, there is no pressure to repay the principal and interest, and other characteristics, and thus less risky financing.
Stock financing, simply refers to enterprises that have been successfully listed on the stock market, the company's own shares can be freely circulated, trading, through the issuance of additional shares and other means, to raise funds, and equity financing is a bit like, but there are different places. Financing through the stock market, raising a very wide range of objects, there are public and non-public ways to raise equity financing.
6, bond financing, corporate bonds, also known as corporate bonds, is issued in accordance with legal procedures, agreed to a certain period of time to repay the principal and interest on securities, indicating that the bond-issuing enterprises and investors is a debt relationship.
Bond financing, also refers to specific enterprises, usually listed companies, through the issuance of bonds to raise funds, ordinary entrepreneurial enterprises or no scale of enterprises, is not qualified to issue bonds.
7. Overseas financing refers to the overseas financing methods available to enterprises, including international commercial bank loans, loans from international financial institutions, and the enterprises' bond and stock financing operations in various major overseas capital markets.
Overseas financing, mainly international trade or multinational enterprises a unique way of financing, unlike domestic financing, but to seek funds from the international community. For example, Evergrande Group has a large number of overseas bonds for overseas financing.
Four, what are the types of loans? A *** six, each with different characteristics
Go to the bank to apply for a loan, there will be a special credit manager to ask the borrower, want to apply for which kind of loan? How are you going to apply for a loan? Many borrowers will be confused, to determine the amount they want to apply for a loan, but the loan method is still a little confused. Which kinds of loan methods? A **** six kinds, each with different characteristics!
What kinds of loan methods are there?1, specific loansThe so-called specific loans, in fact, are some special loans, such as the start-up interest-free loans, interest-free loans for people with disabilities, and loans for college students to start a business. This kind of loan is characterized by the state support for processing, if there is any loss, by the state to remedy. And this kind of loan is generally undertaken by state-owned banks.2. Entrusted loan entrusted loan generally refers to the relevant institutions, institutions and individuals and other principals to provide funds, by the lender (i.e., the trustee) according to the principal to determine the object of the loan, the purpose of the loan, the amount of money, the period and interest rate, etc. on behalf of the issuance of the loan, supervise the use of the loan and assist in the recovery of the loan. The lender (trustee) only charges a fee but does not bear the risk of the loan.3. Personal Credit LoanCredit loan refers to a loan that a borrower can take out on the basis of his or her creditworthiness. The amount of credit loan usually does not exceed 200,000 yuan, and it requires the borrower to have good credit, stable income, and a proper job. If the borrower is a civil servant, corporate executive, etc., the loan amount can be higher.4. Mortgage loan refers to the loan issued with the property of the borrower or a third party as collateral in accordance with the prescribed collateral method. Collateral is usually represented by a house, a car, etc. 5. A mortgage loan refers to a loan that is issued in the prescribed manner of pledging the movable property or rights of the borrower or a third party as collateral. Bill discount refers to the lender to purchase the borrower's outstanding commercial paper issued loans. 6, provident fund loans provident fund loans refers to the payment of housing fund employees to enjoy the loan, the state regulations, all the payment of provident fund employees can be in accordance with the relevant provisions of the provident fund loan application for personal housing fund loans. The above is for the "loan method which kinds of" the relevant content to share, I hope to be able to help you!