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燕几年前向银行贷款买了一套房子,贷款额是20万元,期限是20年。几年当中,她省吃俭用攒了5万元钱,目的就是为了能够提前还贷款。每次聚会,燕都说:“总觉得欠着别人的钱,心里挺别扭,等攒够了钱,一定尽快还上。”最近,她向在银行工作的朋友琦询问了提前还贷的具体事宜。提前还贷值不值“你手中有了余钱,不一定非要用来还贷款,如果投资到另一种渠道上,可能回报会比贷款利率高。当你的空余资金的回报率高于贷款的利率时,就不应当提前偿还贷款。”琦对燕的提前还贷想法似乎抱不赞成的态度。
Yan bought a house loan from a bank a few years ago, with a loan amount of 200,000 yuan and a term of 20 years. In a few years, she saved 50,000 yuan for frugal purposes, the purpose is to be able to advance the loan. At each party, Yan Duo said: “I always felt owed to someone else’s money, my heart was awkward, so I saved enough money and I still had to return soon.” Recently, she asked Qi, a friend who works at a bank, Specific issues. Early repayments worthless “” You have more money in your hands, not necessarily used to repay the loan, if you invest in another channel, the return may be higher than the loan interest rate. When your high return on vacant funds At the interest rate of the loan, it should not repay the loan in advance. “” Qi’s idea of repaying loans to Yan seems to disapprove.