等额本金和等额本息的利与弊英文论文
等额本金和等额本息的利与弊英文论文
Equamount of principal and interest
Equal amount principal and interest repayment means is inside repayment period, repay the loan of equal amount every month (including principal and interest), so because of monthly repayment amount is fixed, can control the expenditure of family income in a planned way, also facilitate each family according to his income situation, determine loan repayment ability.
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First, the introduction
Equal amount of principal and interest repayment method, namely the borrower pays the loan principal and interest by the equal amount every month, among which the monthly loan interest is calculated by the remaining loan principal at the beginning of the month and settled month by month. Because the monthly repayment amount is equal, so, in the initial monthly repayment of the loan, after excluding the interest settled by the month, the loan pri
中秋节的祝福语ncipal is less; in the monthly repayment at the end of the loan, after excluding the monthly settlement of interest, the loan principal is more. This kind of repayment method, actually occupy the number of bank loans more, occupy a longer time, and it can also facilitate the borrower to reasonably arrange the monthly life and financial management (such as to rent housing, etc.), for proficient in investment, good at "money money" people, is undoubtedly the best choice.
可乐鸡翅的做法Second, the calculation formula
Monthly repayment amount = [monthly loan principal interest rate (1 + monthly interest rate) ^ repayment months] [(1 + monthly interest rate) ^ repayment months-1]大学生活总结
Three, advantages and disadvantages去皱面膜
Advantages: return the same amount every month, as a lender, the operation is relatively simple. Bear the same amount every month also facilitates the arrangement of income and expenditure.
Disadvantage: because interest won't return with principal amount and reduce, bank capital occupies time is long, repayment total interest is compared with the equal amount of principal repayment method that wants to introduce below is high.
Equal amount of principal repayment method
Equal principal repayment method refers to a kind of loan repayment method, is the same amount of the same principal and the remaining loan in the interest generated in the month, so because the monthly repayment amount is fixed, and less interest, the lender repayment pressure at first, but with the passage of time the monthly repayment is less and less. Also facilitate according to oneself income circumstance, determine repay loan ability. The sum of this repayment model expenditure may be reduced relative to the same principal and interest interest, but the repayment pressure is greater at the beginning.
First, the introduction
The money stays in the bank with one day of interest. The more money you save, the more interest you get. Similarly, the same is true for loans. If a bank loan lasts one more day, it has an extra day of interest to be paid. The larger the amount of the loan, the more interest will be paid to the bank.
Second, the calculation formula暮光女向女友求婚
The calculation formula of the bank interest is: the interest = the amount of capital interest rate occupies the time.
Therefore, the amount of interest, in the same interest rate, the decisive factor can only be the actual occupation time of the capital, and the size of the amount of money occupied, rather than which repayment method. This is the sure and fixed truth! Different repayment methods are only set to meet the different needs or consumption preferences of people with different incomes, different ages and different consumption preferences. In essence, nothing more than the loan principal because of "four" or "three" type of first return, causing the loan principal in fact long with short, more and less, and then affect th
e interest with the actual amount of funds and the length of the change and increase or decrease. Visible, no matter adopt what kind of loan repayment method, the bank did not do the business that suffers losses, the customer also does not have the tangible benefit that saves interest expenditure.
Three, advantages and disadvantages
Advantages: the advantage of equal principal repayment method is that with the increase of repayment times, debt repayment pressure will weaken day by day, in the same loan amount, interest rate and loan fixed number of year conditions, the total interest amount of equal principal repayment method should be less than the equal principal and interest repayment method.
Disadvantage: because the monthly return principal is fixed, and the loan interest every month with the reduction of the principal balance and decrease month by month, therefore, the equal amount of principal repayment method in the initial loan monthly repayment amount is large.

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