浅析住房按揭贷款还款.docVIP

浅析住房按揭贷款还款 摘要：个人最高额抵押贷款、固定利率个人住房贷款、双周供、接力贷……新的个人按揭贷款方式随着房地产业的火爆愈加丰富多彩，层出不穷。而最近有调查显示，许多年轻人由于采用不恰当的按揭方式，买房的同时也给自己带来了沉重的还款压力，从而严重影响了生活质量。目前，商业银行不断推出新产品，对消费者来说，没有最优惠的，只有最合适的。消费者在选择按揭方式时应该结合自己的实际经济情况，对自己目前的还款能力和预期未来的还款能力做出客观理性的评估，在此基础上选择最适合自己的贷款方式。本文将通过建立模型，实例分析，图表对比，主要分析等额本金还款法、等额本息还款法和双周贷在利息和还款总额方面的差异，建立一个直观的方式，让读者明白哪种还贷方式适合自己的经济情况。 关键词：等额本金还款法、等额本息还款法、双周贷利息和还款总额的差异 Elementary analysis Housing mortgage loan Abstract: Personal loans, mortgage fixed interest rate personal housing loan, two weeks, relay for loans.New personal mortgage loan way with the boom of the real estate industry more rich and colorful, emerge in endlessly. And recent polls show that many young people due to the improper mortgage way, buy a house at the same time also to bring you a heavy reimbursement pressure, thus serious impact on the quality of life. At present, the commercial bank, the introduction of new products to consumers, not the most favorable, only the most appropriate. Consumers in the choice should be combined with mortgage way of their actual economic conditions, with his present reimbursement ability and expected future reimbursement ability make an objective assessment of the rational, and based on this, choose the most suitable way of loan. This paper will set a model, case analysis, comparison chart, the main analysis capital waiting for the forehead of reimbursement of principal and interest waiting for the forehead repayment method, method and double weeks in loan interest and reimbursement amount differences, establish an intuitive way, let the reader know what kind of loans for their own way economic conditions. Keywords: Equal repayment of principal、equal installment payment、Biweekly loan 一、引言 房子——这个对家庭观念很重的中国人来讲，是必不可少，随着经济的发展，房价攀升，全额付款对大多数人来说变得不可能，也因为消费观念的改变，个人住房按揭贷款几乎是必经之路。首付、月供、利息是还贷的三大重要指标。然而如何根据自己的收入情况选择贷款的数量，还款期限，并根据自身收入的变化情况选择首付款按揭方式的不同，会直接影响还款的金额，有时数额会变得很大。 大多数研究认为一般按揭方式有公积金贷款和商业贷款和组合贷款，住房公积金贷款是一种优惠贷款，利率一般比商业贷款低1%到2%左右，但是贷款额度小，只适合缴存了足够公积金的职工。商业贷款一般又有常见的一次性还本付息法、等额本金还