I calculate the attention for our Private Instalment Mortgage to the good reducing harmony
Rates| Buyers phase | Loan amount | Amount borrowed >= VND 200 billion |
|---|
| Staff Banking Service (EBS) people 2 | % p.an excellent. | % p.a good. |
|---|
| Prominent consumers | % p.a beneficial. | % p.good. |
|---|
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| Some other clients | % p.an excellent. | % p.an excellent. |
|---|
| Customer part | Employee Financial Solution (EBS) consumers dos |
|---|
| Loan amount | % p.an excellent. |
|---|
| Loan amount >= VND 2 hundred mil | % p.an excellent. |
|---|
| Customers part | Biggest people |
|---|
| Amount borrowed | % p.a great. |
|---|
| Amount borrowed >= VND two hundred mil | % p.good. |
|---|
| Customer part | Other customers |
|---|
| Amount borrowed | % p.a good. |
|---|
| Loan amount >= VND two hundred million | % p.a good. |
|---|
| Payment method of | Payment rate |
|---|
| Application percentage | Totally free |
|---|
| Late commission rate of interest | 150% regarding relevant interest and charges on the overdue principle |
|---|
| Very early percentage payment | step step three% into prepaid service concept (just full cost was acceptance) |
|---|
| Commission type of | Software commission |
|---|
| Percentage rates | Free |
|---|
| Commission variety of | Late percentage rate of interest |
|---|
| Fee speed | 150% off appropriate interest and charge into the overdue principle |
|---|
| Payment type of | Early commission fee |
|---|
| Fee price | 3% for the prepaid idea (only full fees was greet) |
|---|
Exemplory case of appeal computation
| Times | Idea | Appeal | Instalment |
|---|
| 1 | 5,one hundred thousand,100 | cuatro43,83six | 5,443,836 |
|---|
| 2 | 5,100,100000 | 443,836 | 5,443,836 |
|---|
| 3 | 5,100000,000 | 443,836 | 5,443,836 |
|---|
| 4 | 5,100,one hundred thousand | 443,836 | 5,443,836 |
|---|
| 5 | 5,100000,100000 | 443,836 | 5,443,836 |
|---|
| 6 | 5,100,one hundred thousand | 443,836 | 5,443,836 |
|---|
| eight | 5,000,100000 | 443,836 | 5,443,836 |
|---|
| 8 | 5,one hundred thousand,100000 | 443,836 | 5,443,836 |
|---|
| nine | 5,000,100000 | 443,836 | 5,443,836 |
|---|
| 10 | 5,000,one hundred thousand | 443,836 | 5,443,836 |
|---|
| eleven | 5,one hundred thousand,100000 | 443,836 | 5,443,836 |
|---|
| a dozen | 5,one hundred thousand,one hundred thousand | 443,836 | 5,443,836 |
|---|
| Total | 60,100,100000 | 5,326,027 | 65,326,027 |
|---|
| Month | 1 |
|---|
| Principle | 5,100000,100000 |
|---|
| Interest | 443,836 |
|---|
| Instalment | 5,443,836 |
|---|
| Month | 2 |
|---|
| Principle | 5,100000,100000 |
|---|
| Interest | 443,836 |
|---|
| Instalment | 5,443,836 |
|---|
| Month | 3 |
|---|
| Principle | 5,100000,one hundred thousand |
|---|
| Interest | 443,836 |
|---|
| Instalment | 5,443,836 |
|---|
| Month | 4 |
|---|
| Principle | 5,100,000 |
|---|
| Interest | 443,836 |
|---|
| Instalment | 5,443,836 |
|---|
| Month | 5 |
|---|
| Principle | 5,100,one hundred thousand |
|---|
| Interest | 443,836 |
|---|
| Instalment | 5,443,836 |
|---|
| Month | 6 |
|---|
| Principle | 5,100000,100000 |
|---|
| Interest | 443,836 |
|---|
| Instalment | 5,443,836 |
|---|
| Month | 7 |
|---|
| Principle | 5,100,000 |
|---|
| Interest | 443,836 |
|---|
| Instalment | 5,443,836 |
|---|
| Month | 8 |
|---|
| Principle | 5,100000,100000 |
|---|
| Interest | 443,836 |
|---|
| Instalment | 5,443,836 |
|---|
| Month | 9 |
|---|
| Principle | 5,one hundred thousand,000 |
|---|
| Interest | 443,836 |
|---|
| Instalment | 5,443,836 |
|---|
| Month | 10 |
|---|
| Principle | 5,100,one hundred thousand |
|---|
| Interest | 443,836 |
|---|
| Instalment | 5,443,836 |
|---|
| Month | 11 |
|---|
| Principle | 5,100000,000 |
|---|
| Interest | 443,836 |
|---|
| Instalment | 5,443,836 |
|---|
| Month | 12 |
|---|
| Principle | 5,100,000 |
|---|
| Interest | 443,836 |
|---|
| Instalment | 5,443,836 |
|---|
| Month | Total |
|---|
| Principle | 60,one hundred thousand,100 |
|---|
| Interest | 5,326,027 |
|---|
| Instalment | 65,326,027 |
|---|
| Month | Principle | Interest | Instalment |
|---|
| 1 | cuatro,576,165 | 788,548 | 5,443,568 |
|---|
| 2 | 4,763,722 | 727,370 | 5,443,568 |
|---|
| 3 | cuatro,799,962 | 665,387 | 5,443,568 |
|---|
| 4 | cuatro,840,852 | 602,590 | 5,443,568 |
|---|
| 5 | 4,868,533 | 538,968 | 5,443,568 |
|---|
| 6 | 4,984,294 | 474,509 | 5,443,568 |
|---|
| 7 | 5,020,310 | 409,203 | 5,443,568 |
|---|
| 8 | 5,088,488 | 343,039 | 5,443,568 |
|---|
| 9 | 5,166,818 | 276,006 | 5,443,568 |
|---|
| 10 | 5,213,838 | 208,091 | 5,443,568 |
|---|
| 11 | 5,312,600 | 139,284 | 5,443,568 |
|---|
| 12 | 5,364,418 | 69,573 | 5,363,325 |
|---|
| Total | 60,100,one hundred thousand | 5,242,568 | 65,242,568 |
|---|
| Month | 1 |
|---|
| Principle | cuatro,576,165 |
|---|
| Interest | 788,548 |
|---|
| Instalment | 5,443,568 |
|---|
| Month | 2 |
|---|
| Principle | 4,763,722 |
|---|
| Interest | 727,370 |
|---|
| Instalment | 5,443,568 |
|---|
| Month | 3 |
|---|
| Principle | cuatro,799,962 |
|---|
| Interest | 665,387 |
|---|
| Instalment | 5,443,568 |
|---|
| Month | 4 |
|---|
| Principle | cuatro,840,852 |
|---|
| Interest | 602,590 |
|---|
| Instalment | 5,443,568 |
|---|
| Month | 5 |
|---|
| Principle | cuatro,868,533 |
|---|
| Interest | 538,968 |
|---|
| Instalment | 5,443,568 |
|---|
| Month | 6 |
|---|
| Principle | 4,984,294 |
|---|
| Interest | 474,509 |
|---|
| Instalment | 5,443,568 |
|---|
| Month | 7 |
|---|
| Principle | 5,020,310 |
|---|
| Interest | 409,203 |
|---|
| Instalment | 5,443,568 |
|---|
| Month | 8 |
|---|
| Principle | 5,088,488 |
|---|
| Interest | 343,039 |
|---|
| Instalment | 5,443,568 |
|---|
| Month | 9 |
|---|
| Principle | 5,166,818 |
|---|
| Interest | 276,006 |
|---|
| Instalment | 5,443,568 |
|---|
| Month | 10 |
|---|
| Principle | 5,213,838 |
|---|
| Interest | 208,091 |
|---|
| Instalment | 5,443,568 |
|---|
| Month | 11 |
|---|
| Principle | 5,312,600 |
|---|
| Interest | 139,284 |
|---|
| Instalment | 5,443,568 |
|---|
| Month | 12 |
|---|
| Principle | 5,364,418 |
|---|
| Interest | 69,573 |
|---|
| Instalment | 5,363,325 |
|---|
| Month | Total |
|---|
| Principle | 60,000,100000 |
|---|
| Interest | 5,242,568 |
|---|
| Instalment | 65,242,568 |
|---|
Whilst notice paid towards the cutting harmony mortgage looks high, it really is lower than the interest repaid with the fixed balance loan, because of more interest calculation actions.