请教贷款问题

世事无绝对

想请教一下：贷款的时候关于只是还息好还是本息一起还好，我一点概念都没有，请达人给个明白。最好给个例子说明！

NewLynnHse

http://www.sorted.org.nz/home/so ... s/types-of-mortgage

Table loan

This is the most common type of home loan. You can choose a term up to 30 years with most lenders. Most of your early repayments go to pay interest, while most of the later payments go to pay off the principal (the lump sum you borrowed). You can take a table loan with a fixed rate of interest or a floating rate.

Application fees for table loans range from nothing to over $1,000. Most lenders which do have a fee, charge around $200 to $400. This is often negotiable.

For:

• Table loans provide the discipline of regular payments and a set date when they will be paid off.
• They provide the certainty of knowing what payments will be (unless you have a floating rate, in which case repayment amounts can change).
  

Against:

• Fixed regular payments might be difficult to make for people with irregular income.
  

Interest-only

You don't repay the money you've borrowed until an agreed time. Some borrowers take an interest-only loan for a year or two and then switch to a table loan; the normal table loan application fees apply.

For:

• You have more cash for other purposes, such as renovations.
  

Against:

• You still owe the full amount at the end of the term.
  

clcgroup

谢谢楼上的

阿海

如果自己住的家，那就principle+interest

如果是投资的，那就interest only，省下来的钱先还自己家贷款。