个人住房公积金贷款提前还款哪种还款方法合算？？-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	个人住房公积金贷款提前还款哪种还款方法合算？？
释义	个人住房公积金贷款提前还款哪种还款方法合算？？如果你还没有进行贷款，那么和你提前还款的时间有关。如果是贷款发放1年以上（银行规定按揭满1年后才允许提前还款）5年之内打算提前还款，那么就选择等额本金（利息逐月降低）还款法；如果是贷款发放5年之后才打算提前还款，那么就选择等额本息（利息每月相同）还款法。需要提醒的是，等额本金较等额本息总共支出的利息少。此外，提前还款也有两种，一种是全部还掉，这没什么好说的啦，所有利息都没了；另一种是还一部分，这也有两种方式：一是每月还款数不变，减少还款年限，二是还款年限不变，减少每月还款额，后者较前者支出利息少。其实，你可以借助房贷计算器来计算一下，更直观。百度一下，有很多。至于住房公积金与商贷之间，仅仅是利息和具体办理手续不同，其他都一样的。这就是关于您问题的相关法律。该内容由杨振军律师和律说律答共创回答
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