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枫下家园 / 住房话题 / 贷款问题: 比如原来定的25年利率4%的贷款, 过了1年2年, 手头有钱了, 想加速还本金, 银行会要求付罚款嘛?
-phoebus(天行者);
2003-6-13
(#1238140@0)
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ask your bank first, most banks allow clients to pay extra 15% each year
-chou(踏上青春的岸);
2003-6-13
(#1238162@0)
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这里头有个付款方式叫做Bi-Weekly Rapid 是什么意思, 有没有人给我说说?
-phoebus(天行者);
2003-6-13
(#1238221@0)
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suppose your monthly payment is 1000, if you choose Bi-Weekly Rapid you will pay 500 every 2 weeks. You know that 1 month is more than 2 X 2 weeks. So you pay more and you will save interest.
-lowmortgagerate(better service);
2003-6-13
(#1238503@0)
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It's not that easy, do you notice there is Bi-Weekly & Bi-Weekly Rapid. They are diff.
-phoebus(天行者);
2003-6-13
(#1238516@0)
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Yes. They are different. Bi-Weekly just pay Bi-Weekly, won't save much interest.
-lowmortgagerate(better service);
2003-6-13
(#1238521@0)
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看你怎么签的了,有的允许每年多还10%,有的是25%,你还可以选择DOUBLE PAY,全在于你最初的合同上是怎么写的
-beetgrey(Girl Interrupted);
2003-6-13
(#1238541@0)
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what is double pay?
-phoebus(天行者);
2003-6-13
(#1238564@0)
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每个银行不是很一样,总之呢就是DOUBLE你的每次付款,多付的部分全算是PRINCIPLE的.
-beetgrey(Girl Interrupted);
2003-6-13
(#1238589@0)