分期付款买房究竟是“等额还款”照样“递减还款”好？(国外英文资料).docVIP

分期付款买房到底是“等额还款”还是“递减还款”好？(国外英文资料) Instalments to buy a house is equal forehead reimbursement or decline reimbursement good? Published by the peoples bank of China in May 1998 the measures for the administration of individual housing loans, housing loans have equal principal and interest and standard of two kinds of payment methods, allowing borrowers and lenders in the negotiations on the basis of choice. In practice, however, many Banks simply recommend the repayment method of the equivalent principal rate, which is referred to as principal principal or diminishing repayment. Banks explanation is that the law of reimbursement of diminishing it is difficult to understand for customers, different from the method of principal and interest waiting for the forehead, just tell the customer the amount of pay a fixed monthly pay is ok. But the reporter also found at the same time, choose which kind of payment way can not only use the final draw payment, think that the total number of the principal and interest waiting for the forehead reimbursement less is good, because in the ten years or even decades of mortgage payments, in the process of RMB appreciation or depreciation is uncertain. Two kinds of loan repayment laws An equal amount of interest, usually referred to as the equal repayment. That is, the borrower repays the principal and interest of the loan at the same amount each month; An equal amount of principal, or diminishing repayment, that is, the borrower pays the principal on a monthly basis, and the interest on the loan decreases with the principal monthly. If the loan is in 440000 yuan, the time limit for 30 years as an example, with the method of principal and interest waiting for the forehead, fixed pay 2372.78 yuan per month, when the debts accumulated interest is 410000 yuan. If you use the regressive repayment method, you will pay a different amount each month, and the accumulated interest is 330,000 yuan. In other words, if it is purely from the point o