t*******s
发帖数: 398 | 1 If I finance $5000 for 3 years, how is the remaining calculated if I pay $x
for the first month? I want to pay back earlier than 3 years. Thanks！
我的是规定至少6个月还至少5000，
如果我第一个月还了很大部分，假如第二个月余额就剩$100,那我以后的利息就只是基
于这$100,而不是基于$5000? |
t*******s
发帖数: 398 | 2 如果第一个月就把剩余的都还了，是不是相当于就付了一个月的利息？
x
【在 t*******s 的大作中提到】
: If I finance $5000 for 3 years, how is the remaining calculated if I pay $x
: for the first month? I want to pay back earlier than 3 years. Thanks！
: 我的是规定至少6个月还至少5000，
: 如果我第一个月还了很大部分，假如第二个月余额就剩$100,那我以后的利息就只是基
: 于这$100,而不是基于$5000?
|
s**c
发帖数: 34339 | 3 一般一个月不让吧，至少也得90天
好像就只付前面的利息 |
t*******s
发帖数: 398 | 4 我的是规定至少6个月，
如果我第一个月还了很大部分，假如第二个月余额就剩$100,那我以后的利息就只是基
于这$100,而不是基于$5000?
【在 s**c 的大作中提到】
: 一般一个月不让吧，至少也得90天
: 好像就只付前面的利息
|
t*******s
发帖数: 398 | 5 自己顶一下
x
【在 t*******s 的大作中提到】
: If I finance $5000 for 3 years, how is the remaining calculated if I pay $x
: for the first month? I want to pay back earlier than 3 years. Thanks！
: 我的是规定至少6个月还至少5000，
: 如果我第一个月还了很大部分，假如第二个月余额就剩$100,那我以后的利息就只是基
: 于这$100,而不是基于$5000?
|
d****n
发帖数: 12461 | 6 除非拿到3.99%这样的利率，否则利息不算什么啊，为啥要“马上”还完呢？ |
N**********0
发帖数: 506 | 7 Yes.
You finance $5000. If you pay $4900 for first month, then about $4800(for
example) goes to principal, $100 goes to interest. so you still have 5000-
4800 = $200 to pay. the interest is then based on the remaining $200.
【在 t*******s 的大作中提到】
: 我的是规定至少6个月，
: 如果我第一个月还了很大部分，假如第二个月余额就剩$100,那我以后的利息就只是基
: 于这$100,而不是基于$5000?
|
t*******s
发帖数: 398 | 8 say my interest rate is 5% for $5000, and minimum payment period is 6 months
. Does that mean I need to pay $5000*5%/2 =125 interest rate.
If I pay $5125 in the first month, does that mean I finish all payment?
【在 N**********0 的大作中提到】
: Yes.
: You finance $5000. If you pay $4900 for first month, then about $4800(for
: example) goes to principal, $100 goes to interest. so you still have 5000-
: 4800 = $200 to pay. the interest is then based on the remaining $200.
|
G*********s
发帖数: 6786 | 9 利息都是即时的，
总是根据你的借款额度和利率随时调整，
利率通常不变，结算到月。
如果你当月借款5000，就按5000计算利息，
还清3000后，下月就按照2000计算利息。
x
【在 t*******s 的大作中提到】
: If I finance $5000 for 3 years, how is the remaining calculated if I pay $x
: for the first month? I want to pay back earlier than 3 years. Thanks！
: 我的是规定至少6个月还至少5000，
: 如果我第一个月还了很大部分，假如第二个月余额就剩$100,那我以后的利息就只是基
: 于这$100,而不是基于$5000?
|
P***0
发帖数: 368 | 10 almost right. If allowed, at the first month, if you pay 5020.82, leaving 1c
as the principle, and after 6 months, pay 2c and you finish all payment.
but really, the rate is very low now, like from 2@3yrs (mine was 1.99%) and
three year interest is about 400.
you can google a mortgage amortization spreadsheet (only change the time
span to 3-5 yrs instead of 15-20 yr) and you can see the amortization.
for simple monthly payment calculation, you can goto many online calculator
(e.g., kbb).
months
【在 t*******s 的大作中提到】
: say my interest rate is 5% for $5000, and minimum payment period is 6 months
: . Does that mean I need to pay $5000*5%/2 =125 interest rate.
: If I pay $5125 in the first month, does that mean I finish all payment?
|
g*q
发帖数: 26623 | 11 很多financing公司允许的.个别公司比较黑
【在 s**c 的大作中提到】
: 一般一个月不让吧，至少也得90天
: 好像就只付前面的利息
|
