Can you reduce your mortgage by paying two years half-payments a month instead of a full payment?

In: Mortgage Payment

5 Oct 2010

I know this is true, but you have your mortgage in any way set?

Even if I have a mortgage payment after the deadline but before the end of the grace period, I will be more interest than if I paid to pay when due?

In fact, you are wrong. You can reduce your time by the mortagage payments every 2 weeks instead of monthly. Every 2 weeks is different than twice a month. With every 2 weeks, you make 26 payments per year, including 13 months “monhtly” payments. The payment of an additional month per year, you can shave 6-8 years of your mortgage.

I agree that if you are already established in a 30-year mortgage, you have to work to make an additional payment of principle rather than simply split the payment, provided you have no prepayment penalty. He tends to work better with interest.

You can pay fortnightly in two different ways.
1. To set up a mortgage that a payment plan has two weekly
2. On your own. However, if you are caught in September, you can not decide to make a payment in mid-October. You must send your payment and half in October each other by your due date.

Whether you will be charged interest, if the compounds of interest from.



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