array(3) { ["data"] => array(20) { [0] => array(11) { ["tagname"] => string(27) "房贷可以缩短年限吗" ["inlink"] => int(0) ["addtime"] => string(10) "1594371661" ["tagid"] => int(500201) ["id"] => string(6) "500201" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503927747543056) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/500201" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/500201" } [1] => array(11) { ["tagname"] => string(18) "房贷还款年限" ["inlink"] => int(0) ["addtime"] => string(10) "1598923693" ["tagid"] => int(915038) ["id"] => string(6) "915038" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941635932163) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/915038" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/915038" } [2] => array(11) { ["tagname"] => string(21) "申请房贷的流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598923399" ["tagid"] => int(850341) ["id"] => string(6) "850341" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503939767369754) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/850341" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/850341" } [3] => array(11) { ["tagname"] => string(27) "房贷缩短年限计算器" ["inlink"] => int(0) ["addtime"] => string(10) "1594371661" ["tagid"] => int(499994) ["id"] => string(6) "499994" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503927741251617) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/499994" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/499994" } [4] => array(11) { ["tagname"] => string(18) "房贷还款流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598923399" ["tagid"] => int(843669) ["id"] => string(6) "843669" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503939579674650) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/843669" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/843669" } [5] => array(11) { ["tagname"] => string(24) "房贷提前还款申请" ["inlink"] => int(0) ["addtime"] => string(10) "1598924665" ["tagid"] => int(1064429) ["id"] => string(7) "1064429" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503945895247876) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1064429" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1064429" } [6] => array(11) { ["tagname"] => string(18) "申请房贷流程" ["inlink"] => int(0) ["addtime"] => string(10) "1594371558" ["tagid"] => int(480681) ["id"] => string(6) "480681" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503927172923402) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/480681" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/480681" } [7] => array(11) { ["tagname"] => string(18) "房贷申请流程" ["inlink"] => int(0) ["addtime"] => string(10) "1594371661" ["tagid"] => int(500051) ["id"] => string(6) "500051" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503927743348751) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/500051" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/500051" } [8] => array(11) { ["tagname"] => string(75) "上海居住证积分打分怎样申请申请的流程是什么有谁清楚" ["inlink"] => int(0) ["addtime"] => string(10) "1599534137" ["tagid"] => int(1224247) ["id"] => string(7) "1224247" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951825993730) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1224247" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1224247" } [9] => array(11) { ["tagname"] => string(21) "装修流程谁清楚" ["inlink"] => int(0) ["addtime"] => string(10) "1606727762" ["tagid"] => int(5939547) ["id"] => string(7) "5939547" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504113283629067) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/5939547" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/5939547" } [10] => array(11) { ["tagname"] => string(66) "北京申请入台证办理流程谁清楚材料需要准备什么" ["inlink"] => int(0) ["addtime"] => string(10) "1599534045" ["tagid"] => int(1207781) ["id"] => string(7) "1207781" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951255568414) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1207781" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1207781" } [11] => array(11) { ["tagname"] => string(24) "房贷提前还款流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598923862" ["tagid"] => int(951272) ["id"] => string(6) "951272" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503942687653896) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/951272" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/951272" } [12] => array(11) { ["tagname"] => string(27) "房贷提前还款申请表" ["inlink"] => int(0) ["addtime"] => string(10) "1598923730" ["tagid"] => int(927516) ["id"] => string(6) "927516" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941989302277) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/927516" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/927516" } [13] => array(11) { ["tagname"] => string(24) "房贷申请提前还款" ["inlink"] => int(0) ["addtime"] => string(10) "1598924665" ["tagid"] => int(1064424) ["id"] => string(7) "1064424" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503945894199330) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1064424" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1064424" } [14] => array(11) { ["tagname"] => string(27) "装修施工流程谁清楚" ["inlink"] => int(0) ["addtime"] => string(10) "1606814382" ["tagid"] => int(6167888) ["id"] => string(7) "6167888" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504120005001216) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/6167888" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/6167888" } [15] => array(11) { ["tagname"] => string(27) "房屋公证流程谁清楚" ["inlink"] => int(0) ["addtime"] => string(10) "1608629480" ["tagid"] => int(7721881) ["id"] => string(7) "7721881" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504172875251713) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/7721881" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/7721881" } [16] => array(11) { ["tagname"] => string(30) "邮政房贷提前还款流程" ["inlink"] => int(0) ["addtime"] => string(10) "1594371456" ["tagid"] => int(471555) ["id"] => string(6) "471555" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503926909730825) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/471555" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/471555" } [17] => array(11) { ["tagname"] => string(30) "房贷申请提前还款程序" ["inlink"] => int(0) ["addtime"] => string(10) "1594371661" ["tagid"] => int(500050) ["id"] => string(6) "500050" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503927743348750) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/500050" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/500050" } [18] => array(11) { ["tagname"] => string(24) "商业贷款缩短年限" ["inlink"] => int(0) ["addtime"] => string(10) "1598923636" ["tagid"] => int(896974) ["id"] => string(6) "896974" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941135761408) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/896974" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/896974" } [19] => array(11) { ["tagname"] => string(30) "家装流程是什么谁清楚" ["inlink"] => int(0) ["addtime"] => string(10) "1604570311" ["tagid"] => int(4611812) ["id"] => string(7) "4611812" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504068221075475) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/4611812" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/4611812" } } ["counts"] => int(599297) ["pagecount"] => float(29965) }

当前位置：首页>

装修问答

其他

房贷缩短还款年限的申请流程谁清楚？

房贷缩短还款年限的申请流程谁清楚？

浏览：74次 | 提问时间： 08-06 08:23

分享到：

5个答案

你留下回忆 08-06 08:24

刺冢 08-06 08:32

1、缩短年限很容易，提前还款后做一次变更，二选一，一个是缩短年限，每月还款额基本不变，另一个是年限不变，每个月还款额减少！
2、如果没有提前还款，缩短年限意味着每个月的还款额要增加，这种情况，需要审批，即审核你的还款能力！
3、月冲一定能减少利息支出，因为利息

赠我回忆 08-06 08:40

贷款余额*利率，余额减少意味着利息减少，虽然公积金存款也有利息，但利息远远低于贷款利息，息差就是你省下的钱！
4、如果调整后的还款额低于原来批复的还款额，商业贷款只需要签署一份变更申请即可，银行审批通过后，会告诉你以后每个月还多少钱！
5、等额本金（每个月归还的本金相同，利息逐年递减）还款方式最好，本金归还的快，利息支出少！
6、如果可以买第二套房，并且你虽在的城市房价有升值空间，建议不提前归还公积金房贷，利率低，可以把攒下来的钱用开买房！
希望可以帮到您，谢谢。

夏天我男神是空调 08-06 08:49

理论上提前还房贷是能缩短房贷年限的。提前还部分房贷，能选择两种，一种是缩短还款年限，月还款额度不变;另一种是减少月还款，还款期限不变。而若在还款期未到之前即先行偿还贷款能缩短还款年限，而保持月还款不变的话，申请人能省比较多的房贷利息。　　不过不同的银行对于提前还房贷的规定不同的。一些银行能使得申请人自己选择，而有一些银行，就算申请人提前还房贷想要缩短房贷的年限，也不能。这些银行是指定了提前还房贷只能降低房贷的月还款，而还款期限不变的。
1、缩短年限很容易，提前还款后做一次变更，二选一，一个是缩短年限，每月还款额基本不变，另一个是年限不变，每个月还款额减少！ 2、如果没有提前还款，缩短年限意味着每个月的还款额要增加，这种情况，需要审批，即审核你的还款能力！ 3、月冲一定能减少利息支出，因为利息

不美不萌又怎样 08-06 08:57

贷款余额*利率，余额减少意味着利息减少，虽然公积金存款也有利息，但利息远远低于贷款利息，息差就是你省下的钱！ 4、如果调整后的还款额低于原来批复的还款额，商业贷款只需要签署一份变更申请即可，银行审批通过后，会告诉你以后每个月还多少钱！ 5、等额本金（每个月归还的本金相同，利息逐年递减）还款方式最好，本金归还的快，利息支出少！ 6、如果可以买第二套房，并且你虽在的城市房价有升值空间，建议不提前归还公积金房贷，利率低，可以把攒下来的钱用开买房！希望可以帮到您，谢谢。

装修问答

其他

房贷缩短还款年限的申请流程谁清楚？

最新问题

相关搜索

最新推荐

房贷缩短还款年限的申请流程谁清楚？