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我該多付本金嗎?
多付貸款月付額可省下多少利息呢?利用以下計算機即可查閱完整的房貸付款表格﹐以及可省下的利息金額。
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| 名詞解釋Definitions |
| 年利率 Annual interest rate: | 最高可至20%. Annual interest rate. Maximum interest rate is 20%。 |
| 貸款年期 Mortgage length (years): | 貸款全期年數﹐通常是15年或30年。 Total length, or term, of your original mortgage in years. Most common lengths are 30 years and 15 years. |
| 貸款開始總額 Original mortgage amount: | 總貸款額﹐勿與貸款結餘混淆。 The original amount financed with your mortgage, not to be confused with the remaining balance or principal balance. |
| 每月多付金額 Additional monthly payment: | 準備每月多付的金額﹐用於支付本金結餘。 Your proposed extra payment per month. This payment will be used to reduce your principal balance. |
| 分期付款額 Scheduled payment: | 根據貸款總額﹐年期與利率計算出的每月本金和利息付款。 Monthly principal and interest payment based on your original mortgage amount, term and interest rate. |
| 加速付款額 Accelerated payment: | 分期付款加上多付的金額。 Scheduled payment plus additional monthly payment. |
| 利息節省 Total savings: | 按加速付款額﹐付款至期滿為止﹐所省下的利息總額。 Total amount you would save in interest if you made the accelerated payment until your mortgage was paid in full. |