**急**花旗財務提早還款問題..(私人貸款)

2007-09-19 8:34 am

金額 127490 (1.45% per mouth)一年的利率包括手續費(35.74%)
本是 4200X 54期 ..
已清還了七期..家下有筆資金比我清..
因合約上只寫明，要還4.5%的手續費...
我想問..是否要我還要我還埋餘下的 4200X47?(咁我提早還..咪無意思..)
有朋友話:要還平息..姐係黎緊下一期來作計算(下期的本+息)...
好煩惱呀..本想明天走去問..但我有一點心急
想知如果我係呢期全數還哂會係幾多錢..
呢間銀行慣例又會係點...thx all^^

回答 (1)

匿名

2007-09-19 7:18 pm

✔ 最佳答案

You only have to pay the outstanding balance + 4.5% handling charge

Principal = HK$127,490.00
Effective monthly interest = (1 + 35.74%) ^ (1 / 12) - 1 = 2.58%
monthly payment = HK$127,490.00 x 2.58% / {1 - [(1 + 2.58%) ^ -54]} = HK$4,400.73

After 7 payments:

You have paid HK$22,387.70 (arithmatical sum)
Your outstanding balance = HK$119,072.62

Your lump sum repayment should be
HK$119,072.62 x (1 + 4.5%) = HK$124,430.89

If you choose not to repay now, you still have to pay HK$206,834.69

If you use your HK$124,430.89 to invest now and repay the loan regularly at HK$4,400.73, your investment must have effective yearly yield = 32.13% in order to settle your debt after total 54 months

From that IRR figure, it seems you should repay your loan now with the lump sum money you have now.

2007-09-19 11:24:22 補充：
After 7 payments:You have paid HK$22,387.70 interest (arithmatical sum)

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