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首页 > 法律咨询 > 按揭购房后，若提前还清款项，银行的贷款利率如何计算？
债权债务

按揭购房后，若提前还清款项，银行的贷款利率如何计算？

1 解答 0 浏览 2017-06-06 10:44
问题补充
按揭购房后，若是提前还清款项，银行的贷款利率如何计算？
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律师解答 (1)
蔡律师律师
2017-06-07 10:18
你好，计算原则：每月归还的本金额始终不变，利息会随剩余本金的减少而减少。根据一般房贷还款方式的计算公式分为两种等额本息和等额本金两种方式。不明事宜，可以致电进一步咨询。
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最新解答
欠我钱的那个人签了一个房产抵押合同但是只有签字和手印，没有房产证和购房合同，有法律效应吗？
朱建宇 · 07-30 16:07
刑事案件会见咨询
朱建宇 · 07-30 16:01
尽快联系我好吗 非常着急
朱建宇 · 07-30 16:00
这个看守所被关押的人。不能给家里写信，不能回家人的信吗？
朱建宇 · 07-18 10:47
欠两万可以不用还吗 会影响公职人员吗
朱建宇 · 07-18 10:46
人被抓了该怎么办
朱建宇 · 07-07 10:35
你好，我想贵州六盘水律师
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我是家属，想探望
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  1. CONNECT:[ UseTime:0.000647s ] mysql:host=127.0.0.1;port=3306;dbname=dev_51wf_net;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fa_route_redirect` [ RunTime:0.000795s ]
  3. SELECT * FROM `fa_route_redirect` WHERE `status` = 'normal' AND `is_regex` = 0 AND `old_url` = '/question/1121707.html' LIMIT 1 [ RunTime:0.000515s ]
  4. SELECT * FROM `fa_route_redirect` WHERE `status` = 'normal' AND `is_regex` = 1 ORDER BY `weigh` ASC [ RunTime:0.000326s ]
  5. SHOW FULL COLUMNS FROM `fa_city` [ RunTime:0.000831s ]
  6. SELECT * FROM `fa_city` WHERE `pinyin` <> '' AND `pinyin` IS NOT NULL ORDER BY `sort_order` LIMIT 20 [ RunTime:0.000688s ]
  7. SELECT * FROM `fa_city` WHERE `pinyin` <> '' AND `pinyin` IS NOT NULL ORDER BY `pinyin` [ RunTime:0.001255s ]
  8. SHOW FULL COLUMNS FROM `fa_province` [ RunTime:0.000558s ]
  9. SELECT * FROM `fa_province` WHERE `natual_id` <> '' AND `natual_id` IS NOT NULL ORDER BY `sort_order` LIMIT 20 [ RunTime:0.000354s ]
  10. CONNECT:[ UseTime:0.128607s ] mysql:host=43.136.182.166;port=3306;dbname=ai_brain;charset=utf8mb4
  11. SHOW FULL COLUMNS FROM `fa_ai_usage` [ RunTime:0.086236s ]
  12. SELECT * FROM `fa_ai_usage` WHERE ( `user_id` = 0 AND `client_ip` = '216.73.216.109' ) AND `usage_date` = '2026-11-02' LIMIT 1 [ RunTime:0.085898s ]
  13. SHOW FULL COLUMNS FROM `fa_question` [ RunTime:0.001088s ]
  14. SELECT * FROM `fa_question` WHERE `question_id` = '1121707' AND `audit_status` = 1 AND `deletetime` IS NULL LIMIT 1 [ RunTime:0.000546s ]
  15. SHOW FULL COLUMNS FROM `fa_qa_category` [ RunTime:0.000883s ]
  16. SELECT `text`,`category_id` FROM `fa_qa_category` WHERE `category_id` IN ('10001','10016') [ RunTime:0.000362s ]
  17. SELECT * FROM `fa_province` WHERE `province_id` = '16' LIMIT 1 [ RunTime:0.000266s ]
  18. SELECT * FROM `fa_city` WHERE `city_id` = '427' LIMIT 1 [ RunTime:0.000251s ]
  19. SHOW FULL COLUMNS FROM `fa_answer` [ RunTime:0.000629s ]
  20. SELECT `a`.`answer_id`,`a`.`content`,`a`.`creator_id`,`a`.`is_best`,`a`.`is_top`,`a`.`good_rate`,`a`.`is_ai_answer`,`a`.`ai_confidence`,`a`.`claimed_by`,`a`.`createtime`,l.name as nickname,`l`.`avatar`,`l`.`username` FROM `fa_answer` `a` LEFT JOIN `fa_lawyer` `l` ON `a`.`creator_id`=`l`.`id` WHERE `a`.`question_id` = '1121707' AND `a`.`audit_status` = '1' AND `a`.`deletetime` IS NULL ORDER BY `a`.`is_top` DESC,`a`.`is_best` DESC,`a`.`good_rate` DESC,`a`.`createtime` ASC [ RunTime:0.000532s ]
  21. SELECT `question_id`,`title`,`answer_count`,`view_count`,`create_time` FROM `fa_question` WHERE `audit_status` = 1 AND `deletetime` IS NULL AND `question_id` <> '1121707' AND `second_category_id` = '10016' ORDER BY `create_time` DESC LIMIT 8 [ RunTime:0.000655s ]
  22. SHOW FULL COLUMNS FROM `fa_lawyer_expertise` [ RunTime:0.000424s ]
  23. SELECT `l`.`id`,`l`.`name`,`l`.`avatar`,`l`.`slogan`,`l`.`answer_count`,`l`.`follower_count` FROM `fa_lawyer_expertise` `e` INNER JOIN `fa_lawyer` `l` ON `l`.`id`=`e`.`lawyer_id` WHERE `e`.`category_id` = '10016' AND `l`.`audit_status` = '1' AND `l`.`status` = 'normal' AND `l`.`deletetime` IS NULL ORDER BY `l`.`answer_count` DESC LIMIT 6 [ RunTime:0.000399s ]
  24. SHOW FULL COLUMNS FROM `fa_lawyer` [ RunTime:0.000725s ]
  25. SELECT `id`,`username`,name as nickname,`avatar`,`slogan`,`answer_count` FROM `fa_lawyer` WHERE `audit_status` = 1 AND `status` = 'normal' AND `deletetime` IS NULL AND `answer_count` > 0 ORDER BY `answer_count` DESC LIMIT 6 [ RunTime:0.002773s ]
  26. SHOW FULL COLUMNS FROM `fa_article` [ RunTime:0.000660s ]
  27. SELECT `a`.`id`,`a`.`title`,`a`.`thumbnail`,`a`.`view_count`,c.text as category_name FROM `fa_article` `a` LEFT JOIN `fa_qa_category` `c` ON `a`.`category_id`=`c`.`category_id` WHERE `a`.`audit_status` = '1' AND `a`.`deletetime` IS NULL ORDER BY CASE WHEN a.category_id = 10016 THEN 0 ELSE 1 END,`a`.`view_count` DESC LIMIT 4 [ RunTime:0.052908s ]
  28. SELECT `content`,`is_best`,`createtime`,`lawyer_id`,`good_rate` FROM `fa_answer` WHERE `question_id` = '1121707' AND `audit_status` = 1 AND `deletetime` IS NULL ORDER BY `is_best` DESC,`is_top` DESC,`good_rate` DESC,`createtime` ASC LIMIT 10 [ RunTime:0.000790s ]
0.464839s