关于按揭购房柔性还贷的构想

等额本息还款法,等额本金还款法,等比累进还款法,等额累进还款法是国内外比较常见的按揭购房还贷计息方式。但每种还贷方式都规定贷款人必须在还款期限内的某个时刻向银行缴纳一定的还款额。在本金确定还贷方式确定的情况下该还款额是一个确定的数值,贷款人须按时向银行缴纳该数值的还款额而没有任何还款时间和数量上的柔性空间。根据技术经济学资金等值的概念,按揭购房柔性还贷的构想应该是可行的。

The Stochastic Refund Notion for Housing Loan

There are four familiar methods for the refund function of housing loan at home and abroad,for example,the method of equality corpus and interest,the method of equality corpus,the method of equality scale crescent,etc.But,all methods want debtor to give back the fixed money to the bank on time.If corpus and the method are certain ,then the money given back to bank is fixed.The debtor has no right to time and amount.According to the concept on corpus equal calculation in economy, advancing the stochastic refund for housing loan is possible.