可以提前还房贷吗？

ku_long · Jan 26th, 2008, 17:33

各位大虾，有一个问题请教一下。比如说我现在买房子，但是自己有笔资金不能马上周转出来，那么我贷款以后如果2年之后我资金周转出来，可以提前还清贷款吗？还是必须按贷款合同一期一期还？谢谢！

dalplex · Jan 26th, 2008, 18:08

open term即可。

或者付3个月利息的罚款也可。

蓝色水精灵 · Jan 27th, 2008, 11:07

主要看你当时怎么跟BROKER谈的是什么类型的贷款。我记得有一种可以任意还款的。有没有罚金不清楚

mom3 · Jan 27th, 2008, 14:29

对， OPEN term 就可以没有penalty。如果是closed， then take a look of the contract you signed with mortgage company. You might need to pay a certain months of payment as penalty in order to pay off the mortgage. You can calculate the difference and see if it is worth it... Sometimes it's still worth it by paying off the mortgage earlier with penalty...

Jan 26th, 2008, 17:33	#1
ku_long Senior Member 注册日期: Jul 2004 帖子: 185	可以提前还房贷吗？各位大虾，有一个问题请教一下。比如说我现在买房子，但是自己有笔资金不能马上周转出来，那么我贷款以后如果2年之后我资金周转出来，可以提前还清贷款吗？还是必须按贷款合同一期一期还？谢谢！
ku_long Senior Member 注册日期: Jul 2004 帖子: 185

Jan 27th, 2008, 11:07	只看该作者 #3
蓝色水精灵 Senior Member 注册日期: Jan 2008 帖子: 261 声望: 0	主要看你当时怎么跟BROKER谈的是什么类型的贷款。我记得有一种可以任意还款的。有没有罚金不清楚
蓝色水精灵 Senior Member 注册日期: Jan 2008 帖子: 261 声望: 0

Jan 27th, 2008, 14:29	只看该作者 #4
mom3 Junior Member 注册日期: Jan 2008 帖子: 8 声望: 0	对， OPEN term 就可以没有penalty 对， OPEN term 就可以没有penalty。如果是closed， then take a look of the contract you signed with mortgage company. You might need to pay a certain months of payment as penalty in order to pay off the mortgage. You can calculate the difference and see if it is worth it... Sometimes it's still worth it by paying off the mortgage earlier with penalty...
mom3 Junior Member 注册日期: Jan 2008 帖子: 8 声望: 0

Jan 26th, 2008, 18:08	只看该作者 #2
dalplex Senior Member 注册日期: Jul 2004 帖子: 7,488 积分:39 精华:18 声望: 2255410	open term即可。或者付3个月利息的罚款也可。