Paying Off Your Mortgage Early按揭提前清偿贵

Early Payoff早收益
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Scott,史葛
I would like to pay off my 80K-15 year, 7.74% mortgage in 8-10 years?我想我的液氮温还清-15年8月10日在年7.74%抵押? How much per month or year do I have to make to reach this goal?每月或每年做多少我要达成这个目标呢?
--John--约翰.

John,约翰,

Thanks for writing--your question is a great Household Math™ problem!感谢写作--你是一个伟大的数学™户问题! In fact, you just inspired me to add a section so people can submit their Household Math™ questions.其实,你只是我的灵感加上一段让人们可以递交家庭数学™提问.

Your question is very straightforward.你的问题很直截了当. You have an $80,000 mortgage for 15 years at 7.74%.你有15年在八万按揭7.74%. Assuming these numbers are exactly correct, and no payment have been made to-date, the monthly payment is $752.57.假定这些数字准确、不付款已向为止,每月752.57元.

To pay off $80,000 at 7.74% in 8 years requires a monthly payment of $1,120.40.在偿还80,0007.74%8年按月发放元1,120.40要求. This saves you $27,904.20 over the 15-year loan.这样节省了你$27,904.2015年的贷款.

To pay off $80,000 at 7.74% in 10 years requires a monthly payment of $959.67.偿还80,0007.74%在10年需要每月港币959.67. This saves you $20,302.20 over the 15-year loan.这样节省了你$20,302.2015年的贷款.

Therefore, any monthly payment greater than $960 will achieve your goal of paying of the loan in 8 to 10 years.因此,任何大于每月960元的目标将实现你付出了8至10年的贷款.

Regards, Scott问候,斯科特

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