친한 동생 이야기입니다.
60개월 할부. 년 8.13% 입니다.
원금+이자 말고, 두어달에 한번씩 500만원정도씩 쳐내면서 갚아가는게 나을까요.
아니면 다 모았다가 10개월, 11개월쯤 한꺼번에 다 갚는게 나을까요?
중도상환수수료는 1~3개월 4%
4~6개월 3%
12개월 이후 1% 라고 합니다.
중간 중간 갚아 나가는게 좋을지, 나중에 한꺼번에 다 갚을지...
어느게 나을려나요.
납입원금 이자 매월납입액 " 대출잔액
(남은돈)"
60 2014/1/10 329,797 164,732 494,529 23,984,927 329,797
59 2014/2/10 332,031 162,498 494,529 23,652,896 661,828
58 2014/3/10 334,281 160,248 494,529 23,318,615 996,109
57 2014/4/10 336,545 157,984 494,529 22,982,070 1,332,654
56 2014/5/10 338,826 155,704 494,529 22,643,244 1,671,480
55 2014/6/10 341,121 153,408 494,529 22,302,123 2,012,601
54 2014/7/10 343,432 151,097 494,529 21,958,691 2,356,033
53 2014/8/10 345,759 148,770 494,529 21,612,932 2,701,792
52 2014/9/10 348,101 146,428 494,529 21,264,830 3,049,893
51 2014/10/10 350,460 144,069 494,529 20,914,370 3,400,353
50 2014/11/10 352,834 141,695 494,529 20,561,536 3,753,187
49 2014/12/10 355,225 139,304 494,529 20,206,312 4,108,412
48 2015/1/10 357,631 136,898 494,529 19,848,680 4,466,043
47 2015/2/10 360,054 134,475 494,529 19,488,626 4,826,098
46 2015/3/10 362,494 132,035 494,529 19,126,132 5,188,591
45 2015/4/10 364,950 129,580 494,529 18,761,183 5,553,541
44 2015/5/10 367,422 127,107 494,529 18,393,761 5,920,963
43 2015/6/10 369,911 124,618 494,529 18,023,849 6,290,874
42 2015/7/10 372,418 122,112 494,529 17,651,432 6,663,292
41 2015/8/10 374,941 119,588 494,529 17,276,491 7,038,232
40 2015/9/10 377,481 117,048 494,529 16,899,010 7,415,713
39 2015/10/10 380,038 114,491 494,529 16,518,972 7,795,752
38 2015/11/10 382,613 111,916 494,529 16,136,359 8,178,365
37 2015/12/10 385,205 109,324 494,529 15,751,154 8,563,570
36 2016/1/10 387,815 106,714 494,529 15,363,339 8,951,385
35 2016/2/10 390,442 104,087 494,529 14,972,896 9,341,827
34 2016/3/10 393,088 101,441 494,529 14,579,809 9,734,915
33 2016/4/10 395,751 98,778 494,529 14,184,058 10,130,666
32 2016/5/10 398,432 96,097 494,529 13,785,626 10,529,098
31 2016/6/10 401,131 93,398 494,529 13,384,494 10,930,229
30 2016/7/10 403,849 90,680 494,529 12,980,645 11,334,079
29 2016/8/10 406,585 87,944 494,529 12,574,060 11,740,664
28 2016/9/10 409,340 85,189 494,529 12,164,720 12,150,004
27 2016/10/10 412,113 82,416 494,529 11,752,607 12,562,117
26 2016/11/10 414,905 79,624 494,529 11,337,702 12,977,022
25 2016/12/10 417,716 76,813 494,529 10,919,986 13,394,738
24 2017/1/10 420,546 73,983 494,529 10,499,439 13,815,284
23 2017/2/10 423,395 71,134 494,529 10,076,044 14,238,680
22 2017/3/10 426,264 68,265 494,529 9,649,780 14,664,944
21 2017/4/10 429,152 65,377 494,529 9,220,628 15,094,095
20 2017/5/10 432,059 62,470 494,529 8,788,569 15,526,155
19 2017/6/10 434,987 59,543 494,529 8,353,583 15,961,141
18 2017/7/10 437,934 56,596 494,529 7,915,649 16,399,075
17 2017/8/10 440,901 53,629 494,529 7,474,748 16,839,975
16 2017/9/10 443,888 50,641 494,529 7,030,861 17,283,863
15 2017/10/10 446,895 47,634 494,529 6,583,966 17,730,758
14 2017/11/10 449,923 44,606 494,529 6,134,043 18,180,681
13 2017/12/10 452,971 41,558 494,529 5,681,072 18,633,652
12 2018/1/10 456,040 38,489 494,529 5,225,032 19,089,691
11 2018/2/10 459,129 35,400 494,529 4,765,903 19,548,821
10 2018/3/10 462,240 32,289 494,529 4,303,663 20,011,061
9 2018/4/10 465,372 29,157 494,529 3,838,291 20,476,433
8 2018/5/10 468,525 26,004 494,529 3,369,766 20,944,957
7 2018/6/10 471,699 22,830 494,529 2,898,067 21,416,656
6 2018/7/10 474,895 19,634 494,529 2,423,173 21,891,551
5 2018/8/10 478,112 16,417 494,529 1,945,061 22,369,663
4 2018/9/10 481,351 13,178 494,529 1,463,709 22,851,014
3 2018/10/10 484,612 9,917 494,529 979,097 23,335,627
2 2018/11/10 487,896 6,633 494,529 491,201 23,823,523
1 2018/12/10 491,201 3,328 494,529 (0) 24,314,724 | |
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