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枫下家园 / 住房话题 /
tor
有关MORTGATE的利息计算方法, 请哪位解释一下compouned monthly, semi-annually and annually. 它们有哪些区别? 哪一个更好?
现在哪个银行/broker的rate最好?
-justhaveatry(knockknock);
2005-1-29
(#2100525@0)
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我是选了2周pay一次,听说可以省点利息
-deeply(deeply);
2005-1-29
(#2100672@0)
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annually is the best. But most bank use semi-annually to calculate the interest. Compound monthly is the worst, you will pay more interest in the end.
-lusi(丑小鸭);
2005-2-3
(#2108155@0)
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请问丑小鸭: semi-annually是什么意思, 我现在计划选择BI-WEEK付款, 只因为听说是好点的, 可不知道为什么比月付好? 看你应该是比较了解的,能说说吗?
-samlao(哪里是吾家);
2005-2-3
(#2108203@0)
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帖子问的semi-annually等等是计算复利(利滚利)的方法,即报出的利率是年率6%,如果semi-annually计算,就是(6%/2+1)的平方=1。0609,真正的利率等于1。0609-1=6。09%。你的bi-weekly是付款的频率,跟利率计算是两回事。两周付款一次,你一年下来是26次,比半个月一次(即每年24次)多付了两次,多付的钱是算还了本金的,所以还的快,如果是25的贷款期,这么做比按月付能提前4年左右,即21年还清,你说能省多少利息吧!
-dormouse(mi);
2005-2-3
{193}
(#2108534@0)
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谢谢你详细的解答. 明白了!
-samlao(哪里是吾家);
2005-2-4
(#2108918@0)
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ussally the mtg interest is compound semi-annuyally, some bank like TD some variable mtg is compound monthly. semi is better. As per rates, he have to negotiate to get the best deal for you
-gentleknife(汤汤);
2005-2-3
(#2108488@0)