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标题: 银行贷款如果fix 2 年，但是他算还利息是按照30年 [打印本页]

作者: aa_2010 时间: 2013-1-9 14:25:20 标题: 银行贷款如果fix 2 年，但是他算还利息是按照30年

银行贷款如果fix 2 年，但是他算还利息是按照30年，那么如果2年到期了，我要转另外一个银行，这个30年有什么约束，例如要罚款么？

还有在fix的2年期间，如果1年后要提前还一部分钱，有些银行要算贷款合同的利率(例如7%）以及当前的whoelsale利率(6%)，然后通过这个差额 1% 还有你剩余的期限来计算要罚多少钱

我的问题是如果上面这个例子，他的remaining term是指1年还是指29年？

Prepayment Cost = Loan amount prepaid * (Interest Rate Differential) * Remaining Term

An example:

You wish to prepay a fixed rate loan balance of $100,000 which has two years of its original fixed rate

term left to run. The hedge rate at the start of the fixed rate period was 7.00% p.a., but wholesale rates

have fallen since then and the current hedge rate for the remaining fixed rate term is now at 6.00% p.a.

The interest rate differential is 1.00% p.a. The approximate prepayment cost would therefore be:

Prepayment Cost = $100,000* 1.00%p.a. * 2 years = approx $2,000

作者: NewLynnHse 时间: 2013-1-9 14:27:42

1年

作者: seanyseany 时间: 2013-1-9 14:33:50

If you fix for 2 years, after 2 years it will become variable. That means if you want to change your bank at that time there will be no extra charge, as long as you fully paid off the remaining loan balance.

And remaining term is 1 year (the fixed term).

作者: zyan024 时间: 2013-1-9 14:46:24

本帖最后由 zyan024 于 2013-1-9 14:46 编辑

楼上解答的好！
比沙发解答的好{:8_482:}

作者: aa_2010 时间: 2013-1-9 15:08:02

seanyseany 发表于 2013-1-9 14:33
If you fix for 2 years, after 2 years it will become variable. That means if you want to change your ...

thanks seanyseany

作者: aa_2010 时间: 2013-1-9 15:08:26

NewLynnHse 发表于 2013-1-9 14:27
1年

谢谢小老鼠

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