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我的付款情形如何? 運用房貸計算機可計算目前房貸的分期付款表格﹐立即可知所支付的利息和本金結餘。也可瞭解預付本金的結果。 |
| 名詞解釋Definitions |
| 貸款額 Mortgage amount |
房屋貸款的總額。 Original or expected balance for your mortgage. |
| 利率 Interest rate |
貸款的年度利率。 Annual interest rate for this mortgage |
| 貸款期 Term in years |
償還貸款年期﹐通常是15年或30年。 The number of years over which you will repay this loan. The most common mortgage terms are 15 years and 30 years. |
| 月付款額 Monthly payment |
每月付的本金和利息。 Monthly principal and interest payment (PI). |
| 總付款額 Total payments |
貸款期間若無先付本金情形時的每月付款總額。 Total of all monthly payments over the full term of the mortgage. This total payment amount assumes that there are no prepayments of principal. |
| 利息總額 Total interest |
貸款期間若無先付本金情形時的每月所付利息的總額。 Total of all interest paid over the full term of the mortgage. This total interest amount assumes that there are no prepayments of principal. |
| 先付款方式 Prepayment type |
先付款的次數﹐可選年﹐每月﹐每年﹐或一次性。 The frequency of prepayment. The options are none, monthly, yearly and a one time payment. |
| 先付款金額 Prepayment amount |
依指定之先付款的次數﹐準備先付的金額﹐將用於支付貸款的本金部份。 Amount that will be prepaid on your mortgage. This amount will be applied to the mortgages principal balance, based on the prepayment type. |
| 開始先付 Start with payment |
由該次付款期開始進行先付。一次性付款即為該次﹐所有用償還本金的先付款金額﹐須在銀行指定日前收到﹐以便列入下一個月的利息計算。 This is the payment number that your prepayments will begin with. For a one time payment, this is the payment number that the single prepayment will be included in. All prepayments of principal are assumed to be received by your lender in time to be included in the following months interest calculation. |
| 節省 Savings |
先付貸款省下的利息總額。 Total amount of interest you will save by prepaying your mortgage. |