我有些不明白。怎样避免银行收手续费呢？

我觉得不存在楼上说的给银行2周无息贷款的情况，房贷我不是很清楚，但是我的车贷就是什么时候还什么时候apply的。

利息一般是按天计算的，我认为lz看到的这个2周付一次的诀窍重点就在于省了利息！你每次payment是先apply to the intrest accrued from your last payment, then to your principal。也就是所每月第一个2周还了的款项先付了自从上次payment到这次payment之间的利息，然后再付本金。那么理所当然的就使本金减少，从而使第2个2周的还款里包含的利息减少，payment里面还本金的比例增加。到再下一个2周，由于你上个月的2次payment还的本金比如果每月只付一次payment的多（省了2周的利息$xxx，并且多还了本金这2周的利息的钱$xxx），换句话说，本金比正常还款剩余的要少，因而利息少，省下的payment都去付本金了。这是个连锁反应，一年下来你的payment付给本金的就会大大增加

但是注意，提早pay off根据不同银行的规定会收不同程度的手续费。这一点要看清contract，或者问银行。

What LZ has asked is called "bi-weekly mortgage."  It reduces number of years you pay off the mortgage.  There are few mortgage lenders who will accept half payments so third-party services are usually the ones who set up biweekly mortgage plans.  However, there typically has fees associated with such service.

"The faster a borrower pays back a mortgage, the faster the borrower builds home equity. A biweekly home mortgage is a mortgage loan plan that helps the borrower achieve this goal. The biweekly mortgage allows the borrower to divide the monthly mortgage payment in half and pay them every other week. Because there are 52 weeks in a year, the borrower ends up making 26 payments, which add up to 13 monthly installments instead of the usual 12. Because of the extra installment per year, a 30-year biweekly mortgage is typically paid off in about 23 years and a 15-year biweekly mortgage is paid off in about 12 years."

以下是引用闲云飞在2006-8-18 18:33:00的发言：
我也很想知道这个方法可行吗?

According to the posts above, it should be working.  However, do check with the mortgage company to see if they offer such service or if there are any fees associated with this service.

谢谢了