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近来提前还贷成了各方关注的热点,某报上刊登了一篇题为“提前还贷,利息损失多!”的文章。文中说道:“提前还贷时,已支付的利息是不退还的,所以,就等于相对支付了许多原本不应该提前支付的利息,借款期限越长,利息损失越大。而等本还款法相对于等额还款法,利息的损失就较少一些。”真是这样吗?提前还贷要损失利息?许多人容易这样理解:采用等额还款法,在还款初期,每月还款中包含的本金部分只有一点点,而大部分是利息,所以起初还贷时多支付了以后年份的利息,到后来年份,还款利息的比重逐渐下降,本金逐渐上升,就如有的报纸所指出的,提前还贷将损失一笔不小的利息费用。在这种观点的指导下,等本还款法较等额还款法,就具有相对的优势,因为在起初还款中本金所占的比重较大,总的利息支出比较少。有的借款人认为等额还款法,就是将一次到期还本利息的总额平均分摊到每
Recently, early repayment has become a hot topic of concern to all parties, a newspaper published an article entitled “Early repayment, interest loss and more!” The article said: “Early repayment, the interest paid is non-refundable, therefore, is equivalent to the relative payment of many should not be paid in advance of the interest, the longer the term of the loan, the greater the interest loss. Law relative to the equal repayment method, the interest loss is less. ”Really? Early repayments to the loss of interest? Many people easy to understand: the use of equal repayment method, in the initial repayment, the monthly repayment Contains only a small part of the principal, but most of the interest, so the initial repayment of more interest in subsequent years, the later years, the proportion of repayments interest gradually declined, the principal gradually increased, as some newspapers As pointed out, early repayments will lose a small interest expense. Under the guidance of this view, the equal repayment method is more advantageous than the equal repayment method because the proportion of principal in the initial repayment is relatively large, and the total interest expense is relatively small. Some borrowers think equal repayment method, that is, the average amount of interest on a debt repayment averaged to each