房贷提前还款还的是利息还是本金-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	房贷提前还款还的是利息还是本金
释义	提前偿还房贷的是利息： 1、如果是等额本息贷款（大部分人都是这样的，一般来说每月还款数是相等的），还款初期主要是利息，也就是说贷款三年内提前还款比价合适，然后剩下的主要是本金，利息前面几乎是银行交的。注意利息不是每年交的，而是前面交的； 2、如果是等额本金贷款（即月供每月减少），提前还款的时间没那么强。【本文关联的相关法律依据】《中华人民共和国民法典》第六百七十七条借款人提前返还借款的，除当事人另有约定外，应当按照实际借款的期间计算利息。
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