初めての繰上げ返済。

質問と回答
  • 初めての繰上げ返済。返済方法は? ボーナスと貯金が貯まりましたので一部繰上げ返済をしようと思うのですが 「期限繰上」か「再計算」のどちらかを選択しなければいけないのですが どちらがお得なのでしょうか? プロの方のアドバイスのほど宜しくお願いします。 ・ローン期間 15年→現在2年半経過 ・借り入れ金 1500万円→残高1250万円 ・ローン内容 変動1.275%、元利均等 ・毎月支払額 約94300円(ボーナス時払いなし) 繰上げ返済金 500万円 繰上げ返済金後の希望、支払額は変わらなくてもいいので 無駄な利子を払わずに完済したときに一番お得な方法で 繰上げ返済したいですが素人にはよくわからないので 教えてください。宜しくお願いします。
  • 繰り上げ返済せず現行のままですと、残りの返済回数は142.947回で、返済総額は142.947回×94,300円=13,479,902円です。うち利息分は13,479,902円-12,500,000円=979,902円です。 返済期間短縮型で500万円を繰り上げし、残り7,500,000円を毎月94,300円で返済すると、返済回数が59.807回減り、残り83.140回となります。 今後の支払い額は83.140回×94,300円=7,840,102円で、うち利息分は7,840,102円-7,500,000円=340,102円です。 返済額軽減型の場合、ローン残7,500,000円で、143回まで年利1.275%で変動しないとしたら、毎月の返済額は56,561円となります。 返済総額は143回×56,561円=8,088,223円で、うち利息分が8,088,223円-7,500,000円=588,223円です。 これより返済期間短縮型の方が588,223円-340,102円=248,121円有利なことがわかります。 繰り上げ返済は、手数料が安価ならば、無理のない範囲で、こまめに、できるだけ早く行った方が有利になります。

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