小产权房558等额本息，是将个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房抵押_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>金与利息总额相加，_blank class=infotextkey>get=_blank class=infotextkey>然后平摊到_blank class=infotextkey>get=_blank class=infotextkey>每个月_blank class=infotextkey>get=_blank class=infotextkey>中。因此，_blank class=infotextkey>get=_blank class=infotextkey>每月的还款_blank class=infotextkey>get=_blank class=infotextkey>金额是固_blank class=infotextkey>定_blank class=infotextkey>不变的，只是利息和_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不断_blank class=infotextkey>get=_blank class=infotextkey>变化罢了。
这种还款_blank class=infotextkey>get=_blank class=infotextkey>方式，_blank class=infotextkey>get=_blank class=infotextkey>操作_blank class=infotextkey>get=_blank class=infotextkey>简_blank class=infotextkey>单，_blank class=infotextkey>get=_blank class=infotextkey>比较易于_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>合理安排_blank class=infotextkey>get=_blank class=infotextkey>资_blank class=infotextkey>get=_blank class=infotextkey>金的_blank class=infotextkey>收支。
_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>贷款_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限内，_blank class=infotextkey>get=_blank class=infotextkey>每月_blank class=infotextkey>get=_blank class=infotextkey>贷款利息按月初_blank class=infotextkey>get=_blank class=infotextkey>剩余_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金计算，并逐月结_blank class=infotextkey>get=_blank class=infotextkey>清。换句话说，随着_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时间的推移，_blank class=infotextkey>get=_blank class=infotextkey>每月还款额_blank class=infotextkey>get=_blank class=infotextkey>中，利息所_blank class=infotextkey>get=_blank class=infotextkey>占比例_blank class=infotextkey>get=_blank class=infotextkey>会逐月减_blank class=infotextkey>get=_blank class=infotextkey>少，而_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_blank class=infotextkey>get=_blank class=infotextkey>会逐月增加。
_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>贷款前期，归还的_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金较_blank class=infotextkey>get=_blank class=infotextkey>少，_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>资_blank class=infotextkey>get=_blank class=infotextkey>金占用的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时间更长、_blank class=infotextkey>get=_blank class=infotextkey>金额更_blank class=infotextkey>get=_blank class=infotextkey>多。因此，同样的_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金、同样的_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限，_blank class=infotextkey>get=_blank class=infotextkey>采用等额本息还款_blank class=infotextkey>get=_blank class=infotextkey>方式的总利息_blank class=infotextkey>get=_blank class=infotextkey>会比等额_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金要_blank class=infotextkey>get=_blank class=infotextkey>多很_blank class=infotextkey>get=_blank class=infotextkey>多。
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_blank class=infotextkey>如果想提前还.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>贷款，当然_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时间越早越好，个_blank class=infotextkey>get=_blank class=infotextkey>人建议_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>最好_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不要_blank class=infotextkey>get=_blank class=infotextkey>超过_blank class=infotextkey>get=_blank class=infotextkey>贷款总_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限的1/_blank class=infotextkey>3。
前_blank class=infotextkey>面_blank class=infotextkey>get=_blank class=infotextkey>说了，等额本息，前期_blank class=infotextkey>get=_blank class=infotextkey>主要还的是利息，后期_blank class=infotextkey>get=_blank class=infotextkey>主要还的是_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金。因此，_blank class=infotextkey>get=_blank class=infotextkey>一般到_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1/_blank class=infotextkey>3左右，就已经偿还了_blank class=infotextkey>近一半的利息。
在此_blank class=infotextkey>get=_blank class=infotextkey>之前，提前还_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>贷款的话，是_blank class=infotextkey>get=_blank class=infotextkey>比较换算的，_blank class=infotextkey>get=_blank class=infotextkey>可以节省很_blank class=infotextkey>get=_blank class=infotextkey>大一_blank class=infotextkey>部分的利息支出；_blank class=infotextkey>如果_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限已过1/_blank class=infotextkey>3，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>南岭村_blank class=infotextkey>get=_blank class=infotextkey>家具_blank class=infotextkey>get=_blank class=infotextkey>处理，提前还款的_blank class=infotextkey>意义_blank class=infotextkey>get=_blank class=infotextkey>就_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>大了。
比如，_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>房贷_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限_blank class=infotextkey>get=_blank class=infotextkey>5年，_blank class=infotextkey>get=_blank class=infotextkey>考虑提前还款的话，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>最好是在前_blank class=infotextkey>3_blank class=infotextkey>get=_blank class=infotextkey>年内；_blank class=infotextkey>否则，宁愿将_blank class=infotextkey>get=_blank class=infotextkey>资_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>购买_blank class=infotextkey>get=_blank class=infotextkey>理财_blank class=infotextkey>get=_blank class=infotextkey>产品，_blank class=infotextkey>get=_blank class=infotextkey>没必要_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择提前还款，并_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>划算。
_blank class=infotextkey>如果签订个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房抵押_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时候，享受了_blank class=infotextkey>get=_blank class=infotextkey>基准8折~9折的_blank class=infotextkey>get=_blank class=infotextkey>利率优_blank class=infotextkey>get=_blank class=infotextkey>惠。_blank class=infotextkey>get=_blank class=infotextkey>无论_blank class=infotextkey>get=_blank class=infotextkey>什么_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时候，提前还款_blank class=infotextkey>get=_blank class=infotextkey>都是_blank class=infotextkey>不明_blank class=infotextkey>get=_blank class=infotextkey>智的。
按_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>长期_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>基准_blank class=infotextkey>get=_blank class=infotextkey>利率4.9%来算，即使享受9折的_blank class=infotextkey>get=_blank class=infotextkey>利率优_blank class=infotextkey>get=_blank class=infotextkey>惠，也_blank class=infotextkey>不过才4.41%而已，现_blank class=infotextkey>get=_blank class=infotextkey>如_blank class=infotextkey>get=_blank class=infotextkey>今_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>定期_blank class=infotextkey>get=_blank class=infotextkey>理财、结构性存款，_blank class=infotextkey>get=_blank class=infotextkey>投资_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限在_blank class=infotextkey>3_blank class=infotextkey>get=_blank class=infotextkey>60天左右，_blank class=infotextkey>get=_blank class=infotextkey>绿色_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产证_blank class=infotextkey>get=_blank class=infotextkey>怎么办_blank class=infotextkey>get=_blank class=infotextkey>过户，_blank class=infotextkey>get=_blank class=infotextkey>都能达到5%以_blank class=infotextkey>get=_blank class=infotextkey>上的年化_blank class=infotextkey>收益，_blank class=infotextkey>get=_blank class=infotextkey>每年至_blank class=infotextkey>get=_blank class=infotextkey>少_blank class=infotextkey>get=_blank class=infotextkey>有0.59%的利差，_blank class=infotextkey>get=_blank class=infotextkey>相当于_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>10_blank class=infotextkey>get=_blank class=infotextkey>万元_blank class=infotextkey>get=_blank class=infotextkey>每年_blank class=infotextkey>get=_blank class=infotextkey>多出590元的_blank class=infotextkey>收益。
所以，此刻_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择提前还_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>贷款，就_blank class=infotextkey>get=_blank class=infotextkey>相当于给_blank class=infotextkey>get=_blank class=infotextkey>银行送钱。
