买房贷款后还款方式能改吗?不会透露房贷猫腻

沭阳官方实播台  2018-03-19 14:50

[摘要] 无论是看房选房，还是申请房贷，还是得加倍小心，签合同的时候要看清条款，并将签约过程录音留证据，出现问题也能有足够的证据维权。

RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">我们知道，买房贷款还款方式主要有等额本金和等额本息两种，经常有朋友问怎么选还款方式最合适，首先我们先来了解一下两种还款方式各自的特点:
RD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px"/>RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">等额本金
RD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px"/>RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">释义:等额本金还款是指每月等额偿还贷款本金，贷款利息随本金逐月递减。即将本金分摊到每个月中，同时付清上一还款日到本次还款日之间的利息。
RD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px"/>RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">特点:随着时间的推移还款负担会逐渐减轻，还款前期压力较大。这种还款方式的好处是相比等额本息前期偿还的利息更多，故能节省更多的利息。坏处是前期还款压力较大。
RD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px"/>RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">适用人群:收入较高的人。
RD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px"/>RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">等额本息
RD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px"/>RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">释义:等额本息还款是指贷款期每月以相等的额度平均偿还贷款本息，即把按揭贷款的本金总额与利息本金总额相加，平均分摊到还款期限的每个月中，目前选择这种还款方式的人较多。
RD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px"/>RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">特点:每月还款额中，本金比重逐月递增，利息比重逐月递减。
RD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px"/>RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">适用人群:比较适合收入相对稳定的家庭，买房自住，经济条件不允许前期投入过大，如公务员、教师等收入稳定的人群。
RD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px"/>RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">总之，这两种还款方式就是等额本金比等额本息更能节省利息，但对贷款人的经济能力要求更高;等额本息比较适合一般的购房人，支付的总利息也多。
RD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px"/>RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">银行失误弄错还款方式可要求其更改吗?
RD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px"/>RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">不过还是有人会问，买房还款方式能改吗?
RD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px"/>RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">无论是看房选房，还是申请房贷，还是得加倍小心，签合同的时候要看清条款，并将签约过程录音留证据，出现问题也能有足够的证据维权。
RD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px"/>RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">正常办理房贷，还款中途可以改还款方式吗?
RD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px"/>RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">房贷还款方式能否更改，主要取决于银行的规定，银行不同规定也可能不同，有的银行默认还款方式是等额本金，不同意更改还款方式，原因有两点:
RD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px"/>RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">一是贷款还款方式已经落实到合同中，变更的话手续会比较繁琐，会耗费银行的人力物力。
RD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px"/>RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">二是从的角度，等额本息的总利息更多，对于银行来说利润更大。
RD-SPACING: 0px;TEXT-TRANSFORM: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px"/>RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;FONT-WEIGHT: normal;COLOR: rgb(68,68,68);FONT-STYLE: normal;ORPHANS: 2;WIDOWS: 2;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">即使可以更改还款方式，部分银行会要求购房人提前还款，申请提前还款需要重新签订贷款合同，但是这样的话就要按照的贷款利率政策执行，近一年房贷利率政策收紧，以前享受折扣利率的人就要慎重点了。

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