Did you pay the mortgage after the loan was released?

After the mortgage loan is released, the repayment will be notified. Generally, the bank sends SMS notification through the mobile phone number reserved for the lender. After the mortgage loan is released, it is generally paid back from the next month. Of course, sometimes if the loan date is close to the first repayment date, it may be postponed until next month. For example, the loan date is on the 27th of this month, and the repayment date is on the 2nd of each month. Because the 27th is a little short of the first repayment date, that is, the 2nd of next month, the bank will directly postpone the repayment until the 2nd of next month. However, the specific repayment calculation and repayment time shall be subject to the provisions of the handling bank.

There are several ways to repay the mortgage.

1, equal repayment of principal and interest

Matching principal and interest repayment method is the most widely used repayment method in banks at present. This repayment method is to add up the total principal and interest of mortgage repayment, and then distribute it evenly to each month of the repayment period. As a repayment, he pays a fixed amount every month, but the proportion of principal in the monthly repayment increases month by month, and the proportion of interest decreases month by month.

According to the analysis of bank financial experts, matching the principal and interest to repay the house payment is convenient for borrowers to bear the same amount every month to arrange income and expenditure. Matching principal and interest repayment method is especially suitable for people with stable income and freedom to buy a house, and economic conditions do not allow excessive investment in the early stage.

2. Repayment by average capital

The average capital repayment method is also a common method to repay mortgage loans. With the increase of repayment period, the borrower can gradually reduce the burden. This repayment method is to allocate the principal to each month and pay off the interest from the previous repayment date to the current repayment date.

The repayment method in average capital is characterized by the heavy monthly burden of equal principal and interest when the borrower repays. But with the passage of time, the repayment burden will be gradually reduced. Compared with the method of equal principal and interest in the same period, the total interest expense of this repayment method is lower. If the mortgage interest rate is added to the interest rate hike cycle, the average capital repayment method will also have more advantages.

3. Equal increase (decrease)

Flexible equal increasing repayment method and equal decreasing repayment method refer to the interval and amount of increasing or decreasing repayment agreed with the bank when the lender handles the housing commercial loan business.

Repay at a fixed amount at the beginning, and then repay every month according to the interval and the corresponding increase and decrease. Where the interval is at least 1 month; It subdivides the repayment period, and in each subdivision unit, the repayment method is equivalent to the equal principal and interest. The difference is that the repayment amount of each time division unit may be increased or decreased equally.

Take the loan of 654.38+million yuan with a term of 10 year as an example. If the repayment is increased by equal amount, it is assumed that 10 is divided into five stages, and the monthly repayment may increase to 900 yuan in the second year and 1 100 in the third year.

On the other hand, the credit needs 1300 yuan in the first two years, and then the 200 yuan decreases every two years until it is reduced to 700 yuan per month in the last two years. The equal diminishing method is currently suitable for people with weak repayment ability, but it is expected to increase gradually in the future. On the contrary, if the expected income decreases or the economy is affluent, you can choose to decrease by an equal amount.

4. Pay interest and repay the principal on schedule.

Repaying the principal and interest on schedule means that the borrower sets different repayment time units for repaying the principal and interest of the loan through consultation with the bank, that is, decides to repay the loan on a monthly, quarterly or annual basis. In fact, according to different financial conditions, the borrower collects the money to be repaid every month and pays it back together for several months.

5. Repay the principal and interest every week

On the basis of equal principal and interest or average capital repayment, the repayment period of principal and interest is 7 days or an integer multiple of 7 days, with the shortest period of 7 days and the longest period not exceeding 2 1 day (inclusive).