请问贷款总额怎么算？

doremi

<P>如题。</P>
<P>假如10年贷款30万，每年利息3.5%，就是每年付300000*3.5%=10500? 平均每月875？十年后共付300000+10500*10=405000？</P>
<P>假如3年后一次性付清，是不是总额是：300000+10500*3=331500？</P>
<P>多谢指教！！</P>

[此贴子已经被作者于2006-2-23 10:47:28编辑过]

dimvar

<P>不是..你去银行的网站比如 <a href="http://www.ocbc.com/personal-banking/loans/Lns_Prl_HDBHomeLoan.shtm" target="_blank" >http://www.ocbc.com/personal-banking/loans/Lns_Prl_HDBHomeLoan.shtm</A></P>
<P>用<a href="http://www.ocbc.com/personal-banking/loans/Lns_Prl_HDBHomeLoan.shtm#" target="_blank" >HDB Home Loan Calculator</A>来算.</P>

doremi

<P>dimvar,谢谢你的回复，上面是我计算出来的结果，10年贷款320000。</P>
<P>这种利息配套是不是所谓的固定配套？如果我3年之后全部付清，是把总额$376,490.92除去前3年交的剩余部分交给银行，还是只是把320000的剩余部分（$234,388.15）交给银行？</P>

[此贴子已经被作者于2006-2-23 11:33:45编辑过]

doremi

<TABLE cellSpacing=0 cellPadding=0 width=550 align=center border=0>

<TR align=middle>
<TD width=43>Year</TD>
<TD width=65>(%) of<br>Interest *</TD>
<TD width=84>Monthly<br>Instalment </TD>
<TD width=108>Total Interest Paid<br>for the Year</TD>
<TD width=108>Total Principal Paid<br>for the Year</TD>
<TD width=142>Outstanding Principal at<br>the End of the Year</TD></TR>
<TR>
<TD colSpan=7 height=8></TD></TR></TABLE>
<TABLE cellSpacing=0 cellPadding=0 width=550 align=center border=0>

<TR align=middle bgColor=#faf7f7 height=5>
<TD width=43>1</TD>
<TD width=65>2.75</TD>
<TD class=MonthlyPayMent width=84>$3,053.15</TD>
<TD width=108>$8,446.43</TD>
<TD width=108>$28,191.40</TD>
<TD width=142>$291,808.60</TD></TR></TABLE>
<TABLE cellSpacing=0 cellPadding=0 width=550 align=center border=0>

<TR align=middle height=5>
<TD width=43>2</TD>
<TD width=65>3.25</TD>
<TD class=MonthlyPayMent width=84>$3,119.96</TD>
<TD width=108>$9,063.57</TD>
<TD width=108>$28,375.91</TD>
<TD width=142>$263,432.69</TD></TR></TABLE>
<TABLE cellSpacing=0 cellPadding=0 width=550 align=center border=0>

<TR align=middle bgColor=#faf7f7 height=5>
<TD width=43>3</TD>
<TD width=65>3.50</TD>
<TD class=MonthlyPayMent width=84>$3,150.14</TD>
<TD width=108>$8,757.16</TD>
<TD width=108>$29,044.54</TD>
<TD width=142>$234,388.15</TD></TR></TABLE>
<TABLE cellSpacing=0 cellPadding=0 width=550 align=center border=0>

<TR align=middle height=5>
<TD width=43>4</TD>
<TD width=65>3.50</TD>
<TD class=MonthlyPayMent width=84>$3,150.14</TD>
<TD width=108>$7,724.14</TD>
<TD width=108>$30,077.57</TD>
<TD width=142>$204,310.59</TD></TR></TABLE>
<TABLE cellSpacing=0 cellPadding=0 width=550 align=center border=0>

<TR align=middle bgColor=#faf7f7 height=5>
<TD width=43>5</TD>
<TD width=65>3.50</TD>
<TD class=MonthlyPayMent width=84>$3,150.14</TD>
<TD width=108>$6,654.37</TD>
<TD width=108>$31,147.33</TD>
<TD width=142>$173,163.25</TD></TR></TABLE>
<TABLE cellSpacing=0 cellPadding=0 width=550 align=center border=0>

<TR>
<TD height=7></TD></TR></TABLE>
<TABLE cellSpacing=0 cellPadding=0 width=550 align=center border=0>

<TR>
<TD class=style2 colSpan=3>  Monthly Instalment amount will remain constant from Year 5 to the end of the loan repayment period.</TD></TR>
<TR>
<TD colSpan=3 height=7></TD></TR>
<TR>
<TD width=20></TD>
<TD width=270>Total Payments Towards Interest / Principal</TD>
<TD class=FinalResult width=260>$56,490.92 / $320,000.00</TD></TR>
<TR>
<TD></TD>
<TD>Total Principal Plus Interest Paid</TD>
<TD class=TotalResult>$376,490.92</TD></TR></TABLE>

[此贴子已经被作者于2006-2-23 11:22:55编辑过]

逍遥居士

<P><STRONG><FONT style="BACKGROUND-COLOR: #bbbbbb">以下是引用<I>doremi</I>在2006-2-23 11:21:00的发言：<br></FONT></STRONG></P>
<P><FONT style="BACKGROUND-COLOR: #bbbbbb">这种利息配套是不是所谓的固定配套？如果我3年之后全部付清，是把总额$376,490.92除去前3年交的剩余部分交给银行，<FONT color=#f70997>还是只是把320000的剩余部分（$234,388.15）交给银行</FONT>？</FONT></P>
<P>先看清合约书，若3年后你可以不受限制地作Refinancing，就没有理由还剩余7年的借贷利息吧，应该是<FONT color=#ee1196>把320000的剩余部分（$234,388.15）交给银行</FONT></P>

[此贴子已经被作者于2006-2-23 11:39:57编辑过]

doremi

<P>这个是OCBC的interest rate, 有没有哪个银行更合算呢？</P>
<P>
<TABLE cellSpacing=1 cellPadding=3 width="100%" align=left border=0>

<TR align=middle bgColor=#e6e9fb>
<TD class=clsBodyContentBold vAlign=center align=middle width="20%">
<P align=left>Package</P></TD>
<TD class=clsBodyContentBold vAlign=center align=middle width="20%">
<P align=left>Variable</P></TD>
<TD class=clsBodyContentBold vAlign=center align=middle width="20%">
<P align=left>1 Yr Fixed</P></TD>
<TD class=clsBodyContentBold vAlign=center align=middle width="20%">
<P align=left>2 Yrs Fixed</P></TD></TR>
<TR bgColor=#f4f5fd>
<TD class=clsBodyContent width="20%" bgColor=#ffffff>Year 1</TD>
<TD class=clsBodyContent width="20%" bgColor=#ffffff>3.25% (BR Less 0.50%)</TD>
<TD class=clsBodyContent width="20%" bgColor=#ffffff>3.75% (Fixed)</TD>
<TD class=clsBodyContent width="20%" bgColor=#ffffff>3.75% (Fixed)</TD></TR>
<TR bgColor=#ffffff>
<TD class=clsBodyContent>Year 2</TD>
<TD class=clsBodyContent>3.50% (BR Less 0.25%)</TD>
<TD class=clsBodyContent>3.50% (BR Less 0.25%)</TD>
<TD class=clsBodyContent>4.00% (Fixed)</TD></TR>
<TR bgColor=#ffffff>
<TD class=clsBodyContent>Year 3 onwards</TD>
<TD class=clsBodyContent>3.75% (BR)</TD>
<TD class=clsBodyContent>3.75% (BR)</TD>
<TD class=clsBodyContent>3.75% (BR)</TD></TR></TABLE></P>

[此贴子已经被作者于2006-2-23 11:44:11编辑过]