[halley5217]

貌似现在银行的贷款都是复率计算的。

请教高手：复率计算是每个月计算一次付款多，还是每半年计算一次付款多。

[halley5217]

刚刚在网上找到这篇文章

加拿大买房必看之房贷利息的计算
house.yorkbbs.ca/artic...68764.html

看来是半年一算的划得来。

[3M]

halley5217 写道:

貌似现在银行的贷款都是复率计算的。 请教高手：复率计算是每个月计算一次付款多，还是每半年计算一次付款多。

申请贷款时能让你选择吗？

[halley5217]

3M 写道:

halley5217 写道: 貌似现在银行的贷款都是复率计算的。 请教高手:复率计算是每个月计算一次付款多,还是每半年计算一次付款多。 申请贷款时能让你选择吗?

这个不知道,但是可以比较不同银行的不同产品。

[dingjerry]

3M 写道:

halley5217 写道: 貌似现在银行的贷款都是复率计算的。 请教高手:复率计算是每个月计算一次付款多,还是每半年计算一次付款多。 申请贷款时能让你选择吗?

9494,银行的人来说说

[RBCJASONWANG]

here is a professional answer:

var rate - comp monthly;
fix rate - comp semi-annually;

which one is better? if you consider comp frequency only, fix rate is better. if you consider var rate does have a lower avg, go for var.

another term u want to look up is
"apr"
www.rbcroyalbank.com/m...rates.html

annual percentage rate.

example,

4 Year

4.640%

3.390%(3)4 Year

4.640%

3.390%(3)

3.39% as quo on bank's website, is base on
semi annual comp. the same rate can be translated into "annual" comp rate, aka apr,
that is,

explaination item (3),
3. APR 3.430%. Offer expires February 29, 2012

see, the mid yr compound increase the actual rate
to 3.43%


* all bank website quo fix rate base on semi annual
calculation *