房贷什么情况下提前还贷划算?
提问者 :
李幸乐搜房网
时间 :
2015-03-09 13:39
所属分类 :
买房-贷款办理-贷款流程
回答详情
共有1个回答
-
李振宇
你好，房贷还款方案的设计也需要被列入考虑范围。有两类贷款者不宜提前还贷。一类是已进入还款阶段中期的、使用等额本息还款法的消费者，由于提前还款是通过减少本金来减少利息支出，如果中期之后提前还款，更多偿还的是本金，实际节省的利息有限。二是还款期已达到1/4的、使用等额本金还款法的消费者，此时月供的构成中，本金开始多于利息，此时提前还款，也不利于有效节省利息。
2015-03-09 13:42
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