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Living版 - A mortgage question
相关主题
我应该多还一些房贷的本金吗?关于LOAN的问题,这样正常吗?
a question about mortgage monthly payment关于refinance的几个问题,大侠们给指点一下
问 martgage请教一个关于mortgage利息抵税的问题
Re: online calculator for Mortgagemortgage提前部分付款
[合集] 算一个买房子的帐,有些糊涂的说!谁可以贡献一下spreadsheet,比较mortgage ?
贷款最开始的两年中,月供里面多少比例是利息阿?有没有什么公式可以算?还mortgage问题。
why does bi-weekly mortgage payments save more money than monthly payment?Mortgage的问题
相同program下,如果利率降了,refin一定可以省钱怎么算什么时候能付清mortgage,如果每年多放两个月payment的话
相关话题的讨论汇总
话题: interest话题: principle话题: mortgage话题: question话题: pay
进入Living版参与讨论
1 (共1页)
C*S
发帖数: 1658
1
For a 30-year fixed mortgage, are the principle and interest evenly
distributed over the 360 monthly payments? Or can I specify the amount for
interest and principle for each monthly payment? I have this question
because people told me that most of the payments in the first few years will
be used to pay off interest. So, if I have already paid off all the
interest after the first few years, there seems no need at all to refinance
to a short term mortgage, because I have only principle to pay. Experts
please correct my wrongful interpretation. Thanks.
b*d
发帖数: 9308
2
你可以用一下的Calculator算一下Amortization的Schedule,以及本金和利率的比例:
http://www.bankrate.com/calculators/mortgages/mortgage-calculat
刚开始的时候肯定是在还利息,后面本金的比例会逐渐增加.

will
refinance

【在 C*S 的大作中提到】
: For a 30-year fixed mortgage, are the principle and interest evenly
: distributed over the 360 monthly payments? Or can I specify the amount for
: interest and principle for each monthly payment? I have this question
: because people told me that most of the payments in the first few years will
: be used to pay off interest. So, if I have already paid off all the
: interest after the first few years, there seems no need at all to refinance
: to a short term mortgage, because I have only principle to pay. Experts
: please correct my wrongful interpretation. Thanks.

n*******9
发帖数: 3244
3
you got it totally wrong. your payment this month is for the interest
generated from last month plus the principle pay back. unless you pay off
all your principle, there will be interest generated and you have to pay it.

will
refinance

【在 C*S 的大作中提到】
: For a 30-year fixed mortgage, are the principle and interest evenly
: distributed over the 360 monthly payments? Or can I specify the amount for
: interest and principle for each monthly payment? I have this question
: because people told me that most of the payments in the first few years will
: be used to pay off interest. So, if I have already paid off all the
: interest after the first few years, there seems no need at all to refinance
: to a short term mortgage, because I have only principle to pay. Experts
: please correct my wrongful interpretation. Thanks.

1 (共1页)
进入Living版参与讨论
相关主题
怎么算什么时候能付清mortgage,如果每年多放两个月payment的话[合集] 算一个买房子的帐,有些糊涂的说!
问一个interest Charge的问题贷款最开始的两年中,月供里面多少比例是利息阿?有没有什么公式可以算?
Mortgage monthly payment 的问题why does bi-weekly mortgage payments save more money than monthly payment?
extra mortgage payment for principle相同program下,如果利率降了,refin一定可以省钱
我应该多还一些房贷的本金吗?关于LOAN的问题,这样正常吗?
a question about mortgage monthly payment关于refinance的几个问题,大侠们给指点一下
问 martgage请教一个关于mortgage利息抵税的问题
Re: online calculator for Mortgagemortgage提前部分付款
相关话题的讨论汇总
话题: interest话题: principle话题: mortgage话题: question话题: pay