小产权房558_blank class=infotextkey>原_blank class=infotextkey>get=_blank class=infotextkey>标题：掌握_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>按揭_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>技巧_blank class=infotextkey>get=_blank class=infotextkey>”
在_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>时，_blank class=infotextkey>部分_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>按揭_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房，因为相比_blank class=infotextkey>get=_blank class=infotextkey>一次性付款，_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>按揭_blank class=infotextkey>get=_blank class=infotextkey>压力更_blank class=infotextkey>get=_blank class=infotextkey>小。_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房的还款_blank class=infotextkey>get=_blank class=infotextkey>方式_blank class=infotextkey>get=_blank class=infotextkey>有哪几种？_blank class=infotextkey>get=_blank class=infotextkey>什么_blank class=infotextkey>get=_blank class=infotextkey>情况_blank class=infotextkey>get=_blank class=infotextkey>下_blank class=infotextkey>get=_blank class=infotextkey>适_blank class=infotextkey>合提前还款？
_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房还款_blank class=infotextkey>get=_blank class=infotextkey>方式_blank class=infotextkey>get=_blank class=infotextkey>主要_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>2种
_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房的还款_blank class=infotextkey>get=_blank class=infotextkey>方式_blank class=infotextkey>get=_blank class=infotextkey>有等额_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金、等额本息_blank class=infotextkey>get=_blank class=infotextkey>2种。
等额_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金还款是将_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金分摊到_blank class=infotextkey>get=_blank class=infotextkey>每个月里，_blank class=infotextkey>get=_blank class=infotextkey>同_blank class=infotextkey>时付_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>上一还款日到本次还款日之_blank class=infotextkey>get=_blank class=infotextkey>间的利息，借款_blank class=infotextkey>get=_blank class=infotextkey>人可随还贷年份的增加逐渐减轻负担。
等额本息还款是把_blank class=infotextkey>get=_blank class=infotextkey>按揭_blank class=infotextkey>get=_blank class=infotextkey>贷款的_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金总额和利息总额相加，.fan_blank class=infotextkey>g558.com/_blank class=infotextkey>gushu/ tar_blank class=infotextkey>get=_blank class=infotextkey>固戍得宝_blank class=infotextkey>get=_blank class=infotextkey>楼是_blank class=infotextkey>村委_blank class=infotextkey>get=_blank class=infotextkey>房吗，_blank class=infotextkey>get=_blank class=infotextkey>然后_blank class=infotextkey>get=_blank class=infotextkey>平均分摊到还款_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限的_blank class=infotextkey>get=_blank class=infotextkey>每个月里，还款_blank class=infotextkey>get=_blank class=infotextkey>金额_blank class=infotextkey>get=_blank class=infotextkey>每个月_blank class=infotextkey>get=_blank class=infotextkey>都是固_blank class=infotextkey>_blank class=infotextkey>定的，但是_blank class=infotextkey>get=_blank class=infotextkey>每月还款额_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中的_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金比_blank class=infotextkey>get=_blank class=infotextkey>重逐月递增、利息比_blank class=infotextkey>get=_blank class=infotextkey>重逐月递减。
提前还款各_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>利弊，提前还款_blank class=infotextkey>get=_blank class=infotextkey>可以缩短借贷_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时间产_blank class=infotextkey>get=_blank class=infotextkey>生的利息，减_blank class=infotextkey>get=_blank class=infotextkey>少_blank class=infotextkey>get=_blank class=infotextkey>压力和负担。虽然_blank class=infotextkey>get=_blank class=infotextkey>如此，但在_blank class=infotextkey>合适的_blank class=infotextkey>get=_blank class=infotextkey>情况_blank class=infotextkey>get=_blank class=infotextkey>下_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择提前还款_blank class=infotextkey>get=_blank class=infotextkey>才能_blank class=infotextkey>get=_blank class=infotextkey>省钱，提前还款_blank class=infotextkey>get=_blank class=infotextkey>需要在符_blank class=infotextkey>合_blank class=infotextkey>get=_blank class=infotextkey>规_blank class=infotextkey>定的_blank class=infotextkey>get=_blank class=infotextkey>情况_blank class=infotextkey>get=_blank class=infotextkey>下_blank class=infotextkey>get=_blank class=infotextkey>进行，_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>部分_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>需要在开始_blank class=infotextkey>get=_blank class=infotextkey>贷款一年之后_blank class=infotextkey>get=_blank class=infotextkey>才能提前还款，_blank class=infotextkey>否则_blank class=infotextkey>get=_blank class=infotextkey>需要支付一_blank class=infotextkey>_blank class=infotextkey>定的_blank class=infotextkey>get=_blank class=infotextkey>违约_blank class=infotextkey>get=_blank class=infotextkey>金。
提前还款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时间_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>讲究
_blank class=infotextkey>get=_blank class=infotextkey>什么_blank class=infotextkey>get=_blank class=infotextkey>情况_blank class=infotextkey>get=_blank class=infotextkey>下_blank class=infotextkey>get=_blank class=infotextkey>适_blank class=infotextkey>合提前还款？
_blank class=infotextkey>get=_blank class=infotextkey>业内_blank class=infotextkey>get=_blank class=infotextkey>人士_blank class=infotextkey>get=_blank class=infotextkey>表示，一类是_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业_blank class=infotextkey>get=_blank class=infotextkey>贷款且还款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时间尚未_blank class=infotextkey>get=_blank class=infotextkey>超过总_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限的一半。总_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限前一半_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时间，例如总_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限_blank class=infotextkey>30年，前_blank class=infotextkey>get=_blank class=infotextkey>1_blank class=infotextkey>get=_blank class=infotextkey>5年的还款_blank class=infotextkey>get=_blank class=infotextkey>大半_blank class=infotextkey>get=_blank class=infotextkey>都是在还利息，还的_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金相对较_blank class=infotextkey>get=_blank class=infotextkey>小；后_blank class=infotextkey>get=_blank class=infotextkey>1_blank class=infotextkey>get=_blank class=infotextkey>5年还的款_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>部分才是_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金，所以_blank class=infotextkey>如果_blank class=infotextkey>get=_blank class=infotextkey>贷款属于_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业_blank class=infotextkey>get=_blank class=infotextkey>贷款且_blank class=infotextkey>get=_blank class=infotextkey>你的还款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时间尚未_blank class=infotextkey>get=_blank class=infotextkey>超过总_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限的一半，_blank class=infotextkey>get=_blank class=infotextkey>那么提前还_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>房贷或许_blank class=infotextkey>get=_blank class=infotextkey>“更_blank class=infotextkey>get=_blank class=infotextkey>划算_blank class=infotextkey>get=_blank class=infotextkey>”。
另一类是手里_blank class=infotextkey>get=_blank class=infotextkey>有闲钱的_blank class=infotextkey>get=_blank class=infotextkey>情况_blank class=infotextkey>get=_blank class=infotextkey>下_blank class=infotextkey>get=_blank class=infotextkey>可以提前还款。因为_blank class=infotextkey>get=_blank class=infotextkey>房贷利息_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>会增加与_blank class=infotextkey>get=_blank class=infotextkey>银行的_blank class=infotextkey>get=_blank class=infotextkey>基准_blank class=infotextkey>get=_blank class=infotextkey>利率直接相关，_blank class=infotextkey>如果_blank class=infotextkey>get=_blank class=infotextkey>基准_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上涨了，_blank class=infotextkey>get=_blank class=infotextkey>那么_blank class=infotextkey>get=_blank class=infotextkey>你的还贷利息将加_blank class=infotextkey>get=_blank class=infotextkey>大，供_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>压力也将增_blank class=infotextkey>get=_blank class=infotextkey>大，特别是_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业_blank class=infotextkey>get=_blank class=infotextkey>贷款，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>深圳.fan_blank class=infotextkey>g558.com/baoan/ tar_blank class=infotextkey>get=_blank class=infotextkey>宝安.fan_blank class=infotextkey>g558.com/xixian_blank class=infotextkey>g/ tar_blank class=infotextkey>get=_blank class=infotextkey>西乡_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>房，_blank class=infotextkey>get=_blank class=infotextkey>你的还贷_blank class=infotextkey>get=_blank class=infotextkey>压力更_blank class=infotextkey>get=_blank class=infotextkey>大，所以_blank class=infotextkey>如果_blank class=infotextkey>get=_blank class=infotextkey>基准_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上涨幅度很_blank class=infotextkey>get=_blank class=infotextkey>大，_blank class=infotextkey>get=_blank class=infotextkey>那么_blank class=infotextkey>get=_blank class=infotextkey>你_blank class=infotextkey>get=_blank class=infotextkey>有闲钱的话建议提前还_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>贷款，便_blank class=infotextkey>get=_blank class=infotextkey>可以省_blank class=infotextkey>get=_blank class=infotextkey>下一笔利息。
(责编：李强强、_blank class=infotextkey>get=_blank class=infotextkey>高红霞)
