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等额本金还款法最划算目前,消费者购房贷款的方式有多种,但常用的是等额本息还款法,即每月还款额相同,俗称等额还款法。另有一种等额本金还款法,即递降还款法,就是根据公式,下一个月比上个月还款少一些。经过“链家”金融中心人士测算后发现,在消费者购房贷款还款方式选择中,等额本金还款法最划算。以商业贷款为例,李先生购买一套二手商品房,建筑面积120平方米,房屋总价为81.6万元,李先生首付25万元,剩余56.6万元打算通过银行贷款来交纳,并且打算用15年时间还清贷款。李先生可承受的月支付款在5000～6000元之间,针对此情况,专业人士为他算了一笔账《目前商业贷款的利率为5.51%):
Equal principal repayment method is the most cost-effective At present, there are many ways for consumers to purchase loans, but commonly used is equal principal and interest repayment method, that is, the same monthly repayment amount, commonly known as the equal repayment method. Another equal principal repayment method, that is, descending repayment method is based on the formula, the next month less than the repayment last month. After “chain home ” financial center estimates, found that in the purchase of home buyers loan repayment options, matching the principal repayment method is the most cost-effective. To commercial loans, for example, Mr. Lee to buy a set of second-hand housing, construction area of 120 square meters, the total housing price of 816,000 yuan, Mr Lee down 250,000 yuan, the remaining 566,000 yuan intended to be paid through bank loans, and plans to use 15 Time to pay off the loan. Mr. Li affordable monthly payments in the 5000 ~ 6000 yuan, in view of this situation, professionals calculated for him an account "The current commercial loan interest rate of 5.51%):