However, you can borrow cash in advance by credit card, deposit it in the repayment account after withdrawal, and wait for the bank to automatically deduct it.
It is worth noting that credit card withdrawal requires a certain amount of interest and handling fee, which is charged at one time (different banks charge different fees, subject to the provisions of the issuing bank), and there is no interest-free period. The daily interest rate is 0.05% of the loan amount, with monthly compound interest from the date of withdrawal.
What should I pay attention to when repaying my mortgage?
1. Note: You need to contact the bank yourself to adjust the repayment amount. Since it is the amount agreed between the purchaser and the bank, the monthly supply will not decrease with the central bank's interest rate cut. Therefore, it is necessary for the buyer to agree with the loan bank again that the monthly payment will be adjusted according to the new interest rate from the first repayment date in 2008, otherwise the bank will still calculate according to the original monthly payment, and will not be able to enjoy the actual benefits brought by the interest rate cut in a short time.
Commercial loans with equal principal and interest are suitable for buyers with stable income. In most cases, the mortgage will be equal principal and interest, because for those who have little knowledge about buying a house or even lending, all they need to know is how much they have to pay back for a fixed month. Equal principal and interest means that the money you pay back every month is fixed. Although the overall interest rate will increase, it is convenient for borrowers to arrange income and expenditure, and it also saves a lot of trouble.
2. Note: The monthly payment of equal principal and interest 1 may increase, and the change of the monthly payment of commercial loans 1 will be different due to different loan banks and repayment methods. Under the repayment method of equal principal and interest, the monthly payment of most banks will increase slightly to 1. Specifically, although the interest is decreasing, the adjusted principal has increased. This situation will change in February, that is, the monthly supply will decrease in February, and the annual monthly supply will be subject to February.
General funds, suitable for property buyers with relatively abundant funds at hand. Because the mortgaged principal in the average capital is the same from beginning to end, but the interest is less changeable, the monthly repayment amount will decrease month by month with the passage of time. For those who just need to buy a house for urgent renovation, the initial repayment pressure is too great to choose. But if you have abundant funds, it is more cost-effective to choose the average capital with less interest.
3. Note: prepayment is not recommended for average capital. Under the repayment method of average capital, the borrower's interest this month decreased slightly, and the overall monthly payment was lower than last year. Specific to different banks, the monthly payment of 1 month will also decrease and increase differently. Because the repayment is made according to the average capital method, the interest is mainly returned by the purchaser in advance. At present, the central bank is in the channel of interest rate reduction, and the interest rate of bank loans has dropped, which makes the interest returned at this time relatively reduced, so buyers do not have to rush to repay in advance in June 2006.