長沙貸款還款方式(貸款的主流還款方式和貸款期限)
上面幾篇文章大體提到過貸款還款方式和貸款期限問題,這篇就說一下這個事。我們知道現在貸款主要有抵押貸款,信用貸(dai)(dai)款和(he)擔保貸(dai)(dai)款等(deng),下面就分開說一下各(ge)個貸(dai)(dai)款的還款方式和(he)貸(dai)(dai)款期限(xian)。還款方式問題各(ge)有利弊,蘿卜(bu)青菜各(ge)有所愛,適合自己的才是好的。
1.貸資金房屋抵押貸款期(qi)(qi)(qi)限(xian)有(you)一(yi)年(nian)(nian)(nian)(nian)期(qi)(qi)(qi),三年(nian)(nian)(nian)(nian)期(qi)(qi)(qi),十(shi)(shi)(shi)年(nian)(nian)(nian)(nian)期(qi)(qi)(qi),二(er)十(shi)(shi)(shi)年(nian)(nian)(nian)(nian)期(qi)(qi)(qi),目前(qian)沒(mei)有(you)30年(nian)(nian)(nian)(nian)期(qi)(qi)(qi)。①一(yi)年(nian)(nian)(nian)(nian)期(qi)(qi)(qi)一(yi)般(ban)是(shi)(shi)先息(xi)(xi)(xi)后(hou)(hou)本(ben)(ben)(ben)還(huan)(huan)(huan)(huan)(huan)(huan)(huan)款(kuan)(kuan)(kuan)(kuan)方(fang)(fang)式(shi),每(mei)個(ge)(ge)(ge)月(yue)(yue)只(zhi)還(huan)(huan)(huan)(huan)(huan)(huan)(huan)利息(xi)(xi)(xi),例(li)(li)如(ru)貸(dai)款(kuan)(kuan)(kuan)(kuan)30萬(wan),月(yue)(yue)息(xi)(xi)(xi)3厘(li)(就(jiu)是(shi)(shi)年(nian)(nian)(nian)(nian)化(hua)3.6%,前(qian)面(mian)利息(xi)(xi)(xi)文章(zhang)中有(you)介(jie)紹),每(mei)個(ge)(ge)(ge)月(yue)(yue)只(zhi)還(huan)(huan)(huan)(huan)(huan)(huan)(huan)900元(yuan)(yuan),到(dao)(dao)第(di)(di)12個(ge)(ge)(ge)月(yue)(yue)結(jie)束(shu)的(de)(de)最(zui)(zui)后(hou)(hou)幾天內還(huan)(huan)(huan)(huan)(huan)(huan)(huan)上(shang)(shang)(shang)本(ben)(ben)(ben)金(jin)(jin)(jin)30萬(wan),這(zhe)(zhe)種(zhong)(zhong)(zhong)一(yi)般(ban)是(shi)(shi)授信(xin)3年(nian)(nian)(nian)(nian)或10年(nian)(nian)(nian)(nian),在(zai)三年(nian)(nian)(nian)(nian)或十(shi)(shi)(shi)年(nian)(nian)(nian)(nian)內,你沒(mei)有(you)逾期(qi)(qi)(qi)還(huan)(huan)(huan)(huan)(huan)(huan)(huan)上(shang)(shang)(shang)本(ben)(ben)(ben)金(jin)(jin)(jin)后(hou)(hou)會很快放(fang)下來。②三年(nian)(nian)(nian)(nian)期(qi)(qi)(qi)的(de)(de)也(ye)是(shi)(shi)先息(xi)(xi)(xi)后(hou)(hou)本(ben)(ben)(ben)還(huan)(huan)(huan)(huan)(huan)(huan)(huan)款(kuan)(kuan)(kuan)(kuan)方(fang)(fang)式(shi),只(zhi)不(bu)(bu)過是(shi)(shi)三年(nian)(nian)(nian)(nian)還(huan)(huan)(huan)(huan)(huan)(huan)(huan)一(yi)次本(ben)(ben)(ben)金(jin)(jin)(jin),例(li)(li)如(ru)貸(dai)30萬(wan),月(yue)(yue)息(xi)(xi)(xi)3厘(li)(年(nian)(nian)(nian)(nian)化(hua)3.6%),每(mei)個(ge)(ge)(ge)月(yue)(yue)只(zhi)還(huan)(huan)(huan)(huan)(huan)(huan)(huan)利息(xi)(xi)(xi)900元(yuan)(yuan),到(dao)(dao)第(di)(di)36個(ge)(ge)(ge)月(yue)(yue)結(jie)束(shu)的(de)(de)最(zui)(zui)后(hou)(hou)幾天內還(huan)(huan)(huan)(huan)(huan)(huan)(huan)上(shang)(shang)(shang)30萬(wan),這(zhe)(zhe)種(zhong)(zhong)(zhong)一(yi)般(ban)就(jiu)是(shi)(shi)授信(xin)10年(nian)(nian)(nian)(nian),在(zai)十(shi)(shi)(shi)年(nian)(nian)(nian)(nian)內,也(ye)是(shi)(shi)沒(mei)有(you)逾期(qi)(qi)(qi)一(yi)般(ban)還(huan)(huan)(huan)(huan)(huan)(huan)(huan)上(shang)(shang)(shang)后(hou)(hou)很快放(fang)下來。③十(shi)(shi)(shi)年(nian)(nian)(nian)(nian)期(qi)(qi)(qi)的(de)(de)是(shi)(shi)等(deng)額(e)本(ben)(ben)(ben)息(xi)(xi)(xi)或等(deng)額(e)本(ben)(ben)(ben)金(jin)(jin)(jin)還(huan)(huan)(huan)(huan)(huan)(huan)(huan)款(kuan)(kuan)(kuan)(kuan)方(fang)(fang)式(shi),等(deng)額(e)本(ben)(ben)(ben)息(xi)(xi)(xi)就(jiu)是(shi)(shi)和房貸(dai)還(huan)(huan)(huan)(huan)(huan)(huan)(huan)款(kuan)(kuan)(kuan)(kuan)方(fang)(fang)式(shi)一(yi)樣的(de)(de),本(ben)(ben)(ben)金(jin)(jin)(jin)?利息(xi)(xi)(xi)一(yi)塊還(huan)(huan)(huan)(huan)(huan)(huan)(huan),每(mei)個(ge)(ge)(ge)月(yue)(yue)還(huan)(huan)(huan)(huan)(huan)(huan)(huan)的(de)(de)錢是(shi)(shi)一(yi)樣的(de)(de)。等(deng)額(e)本(ben)(ben)(ben)金(jin)(jin)(jin)也(ye)是(shi)(shi)本(ben)(ben)(ben)金(jin)(jin)(jin)?利息(xi)(xi)(xi)一(yi)塊還(huan)(huan)(huan)(huan)(huan)(huan)(huan),但是(shi)(shi)月(yue)(yue)還(huan)(huan)(huan)(huan)(huan)(huan)(huan)款(kuan)(kuan)(kuan)(kuan)會越來越少。這(zhe)(zhe)個(ge)(ge)(ge)用(yong)(yong)房貸(dai)計(ji)算器一(yi)算就(jiu)能(neng)(neng)得(de)(de)出,上(shang)(shang)(shang)面(mian)文章(zhang)寫過,這(zhe)(zhe)里(li)不(bu)(bu)再(zai)做介(jie)紹。例(li)(li)如(ru)貸(dai)30萬(wan),年(nian)(nian)(nian)(nian)化(hua)3.6%(這(zhe)(zhe)里(li)得(de)(de)用(yong)(yong)年(nian)(nian)(nian)(nian)化(hua)算,具(ju)體月(yue)(yue)息(xi)(xi)(xi)多少得(de)(de)用(yong)(yong)房貸(dai)計(ji)算器測(ce)算,人(ren)工不(bu)(bu)好算,利息(xi)(xi)(xi)文章(zhang)中講(jiang)過),等(deng)額(e)本(ben)(ben)(ben)息(xi)(xi)(xi)月(yue)(yue)還(huan)(huan)(huan)(huan)(huan)(huan)(huan)款(kuan)(kuan)(kuan)(kuan)2980元(yuan)(yuan),每(mei)個(ge)(ge)(ge)月(yue)(yue)都是(shi)(shi)還(huan)(huan)(huan)(huan)(huan)(huan)(huan)2980元(yuan)(yuan)。等(deng)額(e)本(ben)(ben)(ben)金(jin)(jin)(jin)的(de)(de)話(hua)第(di)(di)一(yi)個(ge)(ge)(ge)月(yue)(yue)還(huan)(huan)(huan)(huan)(huan)(huan)(huan)款(kuan)(kuan)(kuan)(kuan)3400元(yuan)(yuan),以(yi)后(hou)(hou)每(mei)月(yue)(yue)減(jian)少七八塊錢。這(zhe)(zhe)個(ge)(ge)(ge)還(huan)(huan)(huan)(huan)(huan)(huan)(huan)完十(shi)(shi)(shi)年(nian)(nian)(nian)(nian)這(zhe)(zhe)筆貸(dai)款(kuan)(kuan)(kuan)(kuan)就(jiu)結(jie)清了(le)。④二(er)十(shi)(shi)(shi)年(nian)(nian)(nian)(nian)期(qi)(qi)(qi)這(zhe)(zhe)種(zhong)(zhong)(zhong)嚴格(ge)(ge)意義(yi)上(shang)(shang)(shang)不(bu)(bu)能(neng)(neng)說二(er)十(shi)(shi)(shi)年(nian)(nian)(nian)(nian)期(qi)(qi)(qi),只(zhi)是(shi)(shi)分二(er)十(shi)(shi)(shi)年(nian)(nian)(nian)(nian)還(huan)(huan)(huan)(huan)(huan)(huan)(huan),還(huan)(huan)(huan)(huan)(huan)(huan)(huan)是(shi)(shi)要求(qiu)十(shi)(shi)(shi)年(nian)(nian)(nian)(nian)內還(huan)(huan)(huan)(huan)(huan)(huan)(huan)上(shang)(shang)(shang)。還(huan)(huan)(huan)(huan)(huan)(huan)(huan)款(kuan)(kuan)(kuan)(kuan)方(fang)(fang)式(shi)是(shi)(shi)等(deng)額(e)本(ben)(ben)(ben)息(xi)(xi)(xi)。舉例(li)(li):貸(dai)30萬(wan),年(nian)(nian)(nian)(nian)化(hua)3.6%,每(mei)個(ge)(ge)(ge)月(yue)(yue)還(huan)(huan)(huan)(huan)(huan)(huan)(huan)款(kuan)(kuan)(kuan)(kuan)1755元(yuan)(yuan),在(zai)第(di)(di)120個(ge)(ge)(ge)月(yue)(yue)(十(shi)(shi)(shi)年(nian)(nian)(nian)(nian))的(de)(de)最(zui)(zui)后(hou)(hou)幾天需(xu)要還(huan)(huan)(huan)(huan)(huan)(huan)(huan)上(shang)(shang)(shang)176673元(yuan)(yuan)(剩余本(ben)(ben)(ben)金(jin)(jin)(jin)),這(zhe)(zhe)種(zhong)(zhong)(zhong)還(huan)(huan)(huan)(huan)(huan)(huan)(huan)款(kuan)(kuan)(kuan)(kuan)方(fang)(fang)式(shi)就(jiu)是(shi)(shi)月(yue)(yue)供少了(le),減(jian)輕了(le)還(huan)(huan)(huan)(huan)(huan)(huan)(huan)款(kuan)(kuan)(kuan)(kuan)壓力,但是(shi)(shi)到(dao)(dao)第(di)(di)120個(ge)(ge)(ge)月(yue)(yue)需(xu)要還(huan)(huan)(huan)(huan)(huan)(huan)(huan)上(shang)(shang)(shang)剩余本(ben)(ben)(ben)金(jin)(jin)(jin)。房屋抵(di)押(ya)貸(dai)款(kuan)(kuan)(kuan)(kuan)利息(xi)(xi)(xi)雖低,但是(shi)(shi)要求(qiu)也(ye)嚴格(ge)(ge),試問,如(ru)果用(yong)(yong)資金(jin)(jin)(jin),又有(you)多少人(ren)能(neng)(neng)夠房產抵(di)押(ya)……所以(yi)才有(you)其它貸(dai)款(kuan)(kuan)(kuan)(kuan)種(zhong)(zhong)(zhong)類的(de)(de)市場。
2.信用貸款
信譽批貸扣款的方法大組成地方是等額投資款還本付息還本付息或等額投資款還本付息投資款,較半數證券公司小品類標客戶分析才有先息后本扣款的方法(那里不講,不有著考慮市場價值)。批貸時間是很多年期,可憐的期,一年期,四五年期。大組成地方是一年期,兩種時間是不怎么。為例:貸三十萬,月息7厘,一年期,月還10433元。 里較為常見即是本額等額本息本息或本額資金逾期還款,時限兩年(36十一個月)。 3.保障 按揭 融資擔保借款還清原則是先息后本,全都兩年周期,信貸兩年。舉個例子,貸三十萬,月息5厘,可是月還150元,首位1個月結尾還上三十萬,沒逾期還款,會再丟開來。 放貸方式常識多,沒事多瞧瞧。放貸方式會越變越合法,真切的服務于經濟實惠發展趨勢,而不是以貸養貸。窮則變,變則通,通則久。 商丘借款正常扣款的途徑(借款的主打正常扣款的途徑和借款時間)以上就是長沙貸款網為大家介紹的長沙貸款還款方式(貸款的主流還款方式和貸款期限)的全部內容,如果大家還有相關貸款、融資問題,歡迎咨詢!
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