Categories: 投资理财

【房屋】问refinance

我当时拿的银行贷款是30年的，听朋友说在开始还贷的前几年，还的大部分都是利息，要三年之后，本金的比例才会逐步增加。那会不会出现这种情况：三年还的利息钱都已经超过三年应付的，甚至付到五年或更久之后的利息？如果是这样子的话，我现在已经快做refinance了，那我多付的利息钱是怎么算的，特别是如果我打算换银行？谢谢！

没有多付的利息，只是因为前几年本金比较多，所以利息相对后面比较多而已
以后本金慢慢减少，利息也相对慢慢减少
银行并不会多收你的利息

所有的银行的利息算法都是相同的，换一家最多是利息低点，不然没大的区别

银行所用的利息算法大致相同。
假设40万，30年的贷款。前三年所附的利息和本金详情如下：

月份 Interest Rate (%) 总共剩本金月供所附利息所还本金剩余本金

1 3.00 $400,000.00 $1,686.42 $1,000.00 $686.42 $399,313.58
2 $399,313.58 $998.28 $688.13 $398,625.45
3 $398,625.45 $996.56 $689.85 $397,935.60
4 $397,935.60 $994.84 $691.58 $397,244.02
5 $397,244.02 $993.11 $693.31 $396,550.72
6 $396,550.72 $991.38 $695.04 $395,855.68
7 $395,855.68 $989.64 $696.78 $395,158.90
8 $395,158.90 $987.90 $698.52 $394,460.38
9 $394,460.38 $986.15 $700.27 $393,760.12
10 $393,760.12 $984.40 $702.02 $393,058.10
11 $393,058.10 $982.65 $703.77 $392,354.33
12 $392,354.33 $980.89 $705.53 $391,648.80
13 3.00 $391,648.80 $1,686.42 $979.12 $707.29 $390,941.50
14 $390,941.50 $977.35 $709.06 $390,232.44
15 $390,232.44 $975.58 $710.84 $389,521.61
16 $389,521.61 $973.80 $712.61 $388,808.99
17 $388,808.99 $972.02 $714.39 $388,094.60
18 $388,094.60 $970.24 $716.18 $387,378.42
19 $387,378.42 $968.45 $717.97 $386,660.45
20 $386,660.45 $966.65 $719.77 $385,940.69
21 $385,940.69 $964.85 $721.56 $385,219.12
22 $385,219.12 $963.05 $723.37 $384,495.75
23 $384,495.75 $961.24 $725.18 $383,770.58
24 $383,770.58 $959.43 $726.99 $383,043.59
25 3.00 $383,043.59 $1,686.42 $957.61 $728.81 $382,314.78
26 $382,314.78 $955.79 $730.63 $381,584.15
27 $381,584.15 $953.96 $732.46 $380,851.70
28 $380,851.70 $952.13 $734.29 $380,117.41
29 $380,117.41 $950.29 $736.12 $379,381.29
30 $379,381.29 $948.45 $737.96 $378,643.32
31 $378,643.32 $946.61 $739.81 $377,903.51
32 $377,903.51 $944.76 $741.66 $377,161.86
33 $377,161.86 $942.90 $743.51 $376,418.35
34 $376,418.35 $941.05 $745.37 $375,672.98
35 $375,672.98 $939.18 $747.23 $374,925.74
36 $374,925.74 $937.31 $749.10 $374,176.64
TOTAL PAYMENTS TWDS % / PRINCIPAL (1st 3Yrs): $34,887.62 $25,823.36