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李女士最近获得了一笔10万元的专利使用费,且又没有新的投资计划和其他用途,存在银行里利息甚微,便决定用这笔款提前偿还银行住房按揭贷款。她到办理贷款的银行去咨询提前还贷的有关事项,银行有关人士向她讲解了提前还贷的有关问题:提前部分还款要还整万数目前提前还款方式存在两种情况:一种是部分提前还款,即借款人在还款的过程中,需要提前偿还其中一部分贷款,但还有一部分房款仍需申请银行贷款。对于这种情况,银行会要求借款人对提前偿还的一部分,要按照整万数比如5万元或10万元偿还给银行。另外一种是全部提前还款。即借款人在偿还了一部分贷款后,将剩余的贷
Ms. Lee recently won a royalties of $ 100,000 and no new investment plans and other uses. With very little interest in the banks, Ms. Lee decided to use the money to repay the mortgage loans in advance. She went to the bank for loans to consult the repayment of the matter ahead of schedule, the bank stakeholders to explain to her the problem of repayment ahead of schedule: Partial repayment in advance to pay the whole number of the current There are two ways of repayment in advance: one Is part of the early repayment, the borrower in the repayment process, need to repay part of the loan in advance, but there are still some of the housing fund still need to apply for bank loans. In this case, the bank will require the borrower to pay part of the advance repayment to the bank according to the whole number of 50,000 yuan or 100,000 yuan. The other is all prepayment. That is, after the borrower repays a part of the loan, it will lend the remaining loan