多付本金之后是否要求银行重新算月供？updated! - 未名空间MITBBS历史存档

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多付本金之后是否要求银行重新算月供？updated!

多付本金之后是否要求银行重新算月供？updated!# Living

b*w2012-02-23 08:02

1 楼

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r*y2012-02-23 08:02

2 楼

一个10年的房屋贷款，目前月供是$1400。
如果我这个月打算额外多付$20000的本金，是否应该要求银行重新计算今后的月供（因
为前台曾经问是否要重新计算月供）? 比如说从现在起月供降低到$1200。从减少贷款
利息总支出的角度考虑。
谢谢！

l*r2012-02-23 08:02

3 楼

我送过一个LeSportsac的双肩背书包，小姑娘大爱。

n*e2012-02-23 08:02

4 楼

no, it usually will reduce the length of the mortgage, not each payment.
you can request to recalculate, but you need to pay some fees.

r*y2012-02-23 08:02

5 楼

多谢！
前台上次问是否要重新计算月供的时候没有提有额外费用。
再解释一下问题。
我现在的月供，$1400 = $1100 (principle) + $300 (interests).
多付$20000的本金之后。
1) 如果不重新计算月供，我下个月的月供，~$1400 = $1095 (principle) + $295 (
interests).
2) 如果重新计算月供，我下个月的月供，~$1225 = $950 (principle) + $275 (
interests).
看起来，重新计算月供后，每个月的利息支出降低了。
而如果不重新计算月供，相当于我以后每个月都多付~$200的本金+利息，而不是本金
only了。以上算法有问题吗？
谢谢！

k*l2012-02-23 08:02

6 楼

your calculation must be wrong (not enough data to be sure though)
1) 1400 is your monthly. 1095 go for principle only if you don't pay 20K extra principle. After you pay 20K extra principle, it should be say, 1200 (exact number depends on your loan) out of 1400 goes to principle.
In another word, your monthly payment do not change. However the ratio (of your monthly) goes to interest dramatically drop after you pay extra principle.

【在 r*******y 的大作中提到】

: 多谢！
: 前台上次问是否要重新计算月供的时候没有提有额外费用。
: 再解释一下问题。
: 我现在的月供，$1400 = $1100 (principle) + $300 (interests).
: 多付$20000的本金之后。
: 1) 如果不重新计算月供，我下个月的月供，~$1400 = $1095 (principle) + $295 (
: interests).
: 2) 如果重新计算月供，我下个月的月供，~$1225 = $950 (principle) + $275 (
: interests).
: 看起来，重新计算月供后，每个月的利息支出降低了。

r*y2012-02-23 08:02

7 楼

多谢！

s*x2012-02-23 08:02

8 楼

that still means they recalculate, otherwise, things just stay the same.
that is what LZ is asking I think.
so basically it does recalculate, however, your monthly payment is the same.
so you will end up pay off quickly.

extra principle. After you pay 20K extra principle, it should be say, 1200 (
exact number depends on your loan) out of 1400 goes to principle.
your monthly) goes to interest dramatically drop after you pay extra
principle.

【在 k**l 的大作中提到】

: your calculation must be wrong (not enough data to be sure though)
: 1) 1400 is your monthly. 1095 go for principle only if you don't pay 20K extra principle. After you pay 20K extra principle, it should be say, 1200 (exact number depends on your loan) out of 1400 goes to principle.
: In another word, your monthly payment do not change. However the ratio (of your monthly) goes to interest dramatically drop after you pay extra principle.

p*y2012-02-23 08:02

9 楼

有些银行是同意重算月供的，比如Hudson City，但是要交手续费，几百刀吧。。。大
部分银行的月供是不改变的，不过，里面的本金和利息的比例会改变很多，本金比例明
显增加。最终pay off的时间会提前。

p*a2012-02-23 08:02

10 楼

It is mot so-called recalculation, at least not what LZ means. The interest
each month is always depending on your current balance.

that still means they recalculate, otherwise, things just stay the same.that
is what LZ ........
★ Sent from iPhone App: iReader Mitbbs Lite 7.39

【在 s**x 的大作中提到】

: that still means they recalculate, otherwise, things just stay the same.
: that is what LZ is asking I think.
: so basically it does recalculate, however, your monthly payment is the same.
: so you will end up pay off quickly.
:
: extra principle. After you pay 20K extra principle, it should be say, 1200 (
: exact number depends on your loan) out of 1400 goes to principle.
: your monthly) goes to interest dramatically drop after you pay extra
: principle.

w*52012-02-23 08:02

11 楼

你什么都不需要做。每月付款总数不变。你下个月的利息=这个月balance×利率/12.其
余部分为principal pay back.
你可以做个excel file. 自己监控一下。我这个月已经把贷款还清了。15年的房贷，八
年还清。

w*52012-02-23 08:02

12 楼

c*y2012-02-23 08:02

13 楼

Mark

【在 w**5 的大作中提到】

: 你什么都不需要做。每月付款总数不变。你下个月的利息=这个月balance×利率/12.其
: 余部分为principal pay back.
: 你可以做个excel file. 自己监控一下。我这个月已经把贷款还清了。15年的房贷，八
: 年还清。

k*o2012-02-23 08:02

14 楼

In general, when you have 10 year fixed, you have a constant montly payment.
However, the percentage of interest and principle are variables, depending
on the left loan principle.

【在 r*******y 的大作中提到】

: 一个10年的房屋贷款，目前月供是$1400。
: 如果我这个月打算额外多付$20000的本金，是否应该要求银行重新计算今后的月供（因
: 为前台曾经问是否要重新计算月供）? 比如说从现在起月供降低到$1200。从减少贷款
: 利息总支出的角度考虑。
: 谢谢！