房贷计算及还款方式比较表

银行住房贷款还款计算公式
在购房过程中，很多人都会选择申请银行住房贷款。

了解贷款还款计算公式是非常重要的，这样可以帮助我们计划和管理自己的还款。

银行住房贷款的还款计算一般采用等额本息的方式，也就是每个月还款金额相同。

还款计算公式如下所示：
月还款金额 = （贷款本金 ×月利率 ×（1 + 月利率）^ 还款总月数）/ （（1 + 月利率）^ 还款总月数 - 1）
其中，月利率 = 年利率 / 12，还款总月数 = 还款年限 × 12。

举个例子，假设你贷款100万元，年利率为5%，还款年限为20年。

我们来计算一下每个月的还款金额：
首先，月利率 = 5% / 12 = 0.004167，还款总月数 = 20 × 12 = 240。

代入公式进行计算：
月还款金额 = （1000000 × 0.004167 ×（1 + 0.004167）^ 240）/ （（1 +
0.004167）^ 240 - 1）
通过计算得出，每个月的还款金额大约为6947.42元。

需要注意的是，银行住房贷款的计算公式只是个大致估算，具体的还款金额还会受到利率浮动、贷款期限等因素的影响。

此外，还款期间可能会发生变化，例如在财务紧张的时候可能会选择提前还款或者重新安排还款计划。

因此，当你申请银行住房贷款时，建议与银行取得联系，了解具体的还款方式和条件，以便更好地计划自己的还款。

说明：1 利率折扣，如果为优惠7折则填入：0.7；为8.5折则填写0.85;2月利率、折后利率、还款月数、系数栏仅为函数计算方便，无需填写任何数字3 如果还款年限非整数，可以在还款月数直接填写还款月数；贷款金额年利率月利率利率折扣折后利率300000 5.94%0.004950.850.0042075290000 5.94%0.004950.850.0042075280000 5.94%0.004950.850.0042075270000 5.94%0.004950.850.0042075260000 5.94%0.004950.850.0042075250000 5.94%0.004950.850.0042075240000 5.94%0.004950.850.0042075230000 5.94%0.004950.850.0042075220000 5.94%0.004950.850.0042075210000 5.94%0.004950.850.0042075200000 5.94%0.004950.850.0042075190000 5.94%0.004950.850.0042075180000 5.94%0.004950.850.0042075170000 5.94%0.004950.850.0042075160000 5.94%0.004950.850.0042075150000 5.94%0.004950.850.0042075140000 5.94%0.004950.850.0042075130000 5.94%0.004950.850.0042075120000 5.94%0.004950.850.0042075110000 5.94%0.004950.850.0042075100000 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1554.4561492.2781430.0991367.9211305.7431243.5645831181.386 1550.0731488.071426.0671364.0641302.0611240.0583331178.055 1545.691483.8631422.0351360.2071298.381236.5520831174.724 1541.3071479.6551418.0031356.351294.6981233.0458331171.394 1536.9241475.4481413.9711352.4941291.0171229.5395831168.063 1532.5421471.241409.9381348.6371287.3351226.0333331164.732 1528.1591467.0331405.9061344.781283.6531222.5270831161.401 1523.7761462.8251401.8741340.9231279.9721219.020*******.07 1519.3931458.6181397.8421337.0661276.291215.5145831154.739 1515.011454.411393.811333.2091272.6091212.0083331151.408 1510.6281450.2031389.7771329.3521268.9271208.5020831148.077 1506.2451445.9951385.7451325.4951265.2461204.9958331144.746 1501.8621441.7881381.7131321.6391261.5641201.4895831141.415 1497.4791437.581377.6811317.7821257.8831197.9833331138.084 1493.0961433.3731373.6491313.9251254.2011194.4770831134.753 1488.7141429.1651369.6161310.0681250.5191190.9708331131.422 1484.3311424.9581365.5841306.2111246.8381187.4645831128.091 1479.9481420.751361.5521302.3541243.1561183.9583331124.76 1475.5651416.5431357.521298.4971239.4751180.4520831121.429 1471.1821412.3351353.4881294.641235.7931176.9458331118.099 1466.7991408.1281349.4561290.7841232.1121173.4395831114.768 1462.4171403.921345.4231286.9271228.431169.9333331111.437 1458.0341399.7131341.3911283.071224.7481166.4270831108.106 1453.6511395.5051337.3591279.2131221.0671162.9208331104.775 1449.2681391.2981333.3271275.3561217.3851159.4145831101.444 1444.8851387.091329.2951271.4991213.7041155.9083331098.113 1440.5031382.8831325.2621267.6421210.0221152.4020831094.7821436.121378.6751321.231263.7851206.3411148.8958331091.451 1431.7371374.4681317.1981259.9291202.6591145.3895831088.12 1427.3541370.261313.1661256.0721198.9781141.8833331084.789 1422.9711366.0531309.1341252.2151195.2961138.3770831081.458 1418.5891361.8451305.1011248.3581191.6141134.8708331078.127 1414.2061357.6381301.0691244.5011187.9331131.3645831074.796 1409.8231353.431297.0371240.6441184.2511127.8583331071.465 1405.441349.2231293.0051236.7871180.571124.3520831068.134 1401.0571345.0151288.9731232.931176.8881120.8458331064.804 1396.6741340.8081284.9411229.0741173.2071117.3395831061.473 1392.2921336.61280.9081225.2171169.5251113.8333331058.142 1387.9091332.3931276.8761221.361165.8431110.3270831054.811 1383.5261328.1851272.8441217.5031162.1621106.8208331051.48 1379.1431323.9781268.8121213.6461158.481103.3145831048.149 1374.761319.771264.781209.7891154.7991099.8083331044.818 1370.3781315.5631260.7471205.9321151.1171096.3020831041.487 1365.9951311.3551256.7151202.0751147.4361092.7958331038.156 1361.6121307.1481252.6831198.2191143.7541089.2895831034.825 1357.2291302.941248.6511194.3621140.0731085.7833331031.494 1352.8461298.7331244.6191190.5051136.3911082.2770831028.163 1348.4641294.5251240.5861186.6481132.7091078.7708331024.832 1344.0811290.3181236.5541182.7911129.0281075.2645831021.501 1339.6981286.111232.5221178.9341125.3461071.7583331018.17 1335.3151281.9031228.491175.0771121.6651068.2520831014.839 1330.9321277.6951224.4581171.221117.9831064.7458331011.509 1326.5491273.4881220.4261167.3641114.3021061.2395831008.178 1322.1671269.281216.3931163.5071110.621057.7333331004.847 1317.7841265.0731212.3611159.651106.9381054.2270831001.516 1313.4011260.8651208.3291155.7931103.2571050.720833998.1848 1309.0181256.6581204.2971151.9361099.5751047.214583994.8539 1304.6351252.451200.2651148.0791095.8941043.708333991.5229 1300.2531248.2431196.2321144.2221092.2121040.202083988.192 1295.871244.0351192.21140.3651088.5311036.695833984.861 1291.4871239.8281188.1681136.5091084.8491033.189583981.5301 1287.1041235.621184.1361132.6521081.1681029.683333978.1992 1282.7211231.4131180.1041128.7951077.4861026.177083974.8682 1278.3391227.2051176.0711124.9381073.8041022.670833971.5373 1273.9561222.9981172.0391121.0811070.1231019.164583968.2064 1269.5731218.791168.0071117.2241066.4411015.658333964.8754 1265.191214.5831163.9751113.3671062.761012.152083961.5445 1260.8071210.3751159.9431109.511059.0781008.645833958.2135 1256.4241206.1681155.9111105.6541055.3971005.139583954.8826 1252.0421201.961151.8781101.7971051.7151001.633333951.5517 1247.6591197.7531147.8461097.941048.033998.1270833948.2207 1243.2761193.5451143.8141094.0831044.352994.6208333944.8898 1238.8931189.3381139.7821090.2261040.67991.1145833941.5589 1234.511185.131135.751086.3691036.989987.6083333938.22791230.1281180.9231131.7171082.5121033.307984.1020833934.897 1225.7451176.7151127.6851078.6551029.626980.5958333931.566 1221.3621172.5081123.6531074.7991025.944977.0895833928.2351 1216.9791168.31119.6211070.9421022.263973.5833333924.9042 1212.5961164.0931115.5891067.0851018.581970.0770833921.5732 1208.2141159.8851111.5561063.2281014.899966.5708333918.2423 1203.8311155.6781107.5241059.3711011.218963.0645833914.9114 1199.4481151.471103.4921055.5141007.536959.5583333911.5804 1195.0651147.2631099.461051.6571003.855956.0520833908.2495 1190.6821143.0551095.4281047.81000.173952.5458333904.9185 1186.2991138.8481091.3961043.944996.4916949.0395833901.5876 1181.9171134.641087.3631040.087992.81945.5333333898.2567 1177.5341130.4331083.3311036.23989.1284942.027*******.9257 1173.1511126.2251079.2991032.373985.4469938.5208333891.5948 1168.7681122.0181075.2671028.516981.7653935.0145833888.2639 1164.3851117.811071.2351024.659978.0838931.5083333884.9329 1160.0031113.6031067.2021020.802974.4022928.0020833881.602 1155.621109.3951063.171016.945970.7206924.4958333878.271 1151.2371105.1881059.1381013.089967.0391920.9895833874.9401 1146.8541100.981055.1061009.232963.3575917.4833333871.6092 1142.4711096.7731051.0741005.375959.6759913.9770833868.2782 1138.0891092.5651047.0411001.518955.9944910.4708333864.9473 1133.7061088.3581043.009997.661952.3128906.9645833861.6164 1129.3231084.151038.977993.8042948.6313903.4583333858.2854 1124.941079.9431034.945989.9473944.9497899.9520833854.9545 1120.5571075.7351030.913986.0904941.2681896.4458333851.6235 1116.1741071.5281026.881982.2335937.5866892.9395833848.2926 1111.7921067.321022.848978.3767933.905889.4333333844.9617 1107.4091063.1131018.816974.5198930.2234885.9270833841.6307 1103.0261058.9051014.784970.6629926.5419882.4208333838.2998 1098.6431054.6981010.752966.806922.8603878.9145833834.9689 1094.261050.491006.72962.9492919.1788875.4083333831.6379 1089.8781046.2831002.687959.0923915.4972871.9020833828.307 1085.4951042.075998.6552955.2354911.8156868.3958333824.976 1081.1121037.868994.623951.3785908.1341864.8895833821.6451 1076.7291033.66990.5908947.5217904.4525861.3833333818.3142 1072.3461029.453986.5586943.6648900.7709857.8770833814.9832 1067.9641025.245982.5265939.8079897.0894854.3708333811.6523 1063.5811021.038978.4943935.951893.4078850.8645833808.3214 1059.1981016.83974.4621932.0942889.7263847.3583333804.9904 1054.8151012.623970.4299928.2373886.0447843.852*******.6595 1050.4321008.415966.3977924.3804882.3631840.3458333798.3285 1046.0491004.208962.3655920.5235878.6816836.8395833794.9976 376750.9361680.9346610.9331540.8316470.8301400.75286330.7 250000240000230000220000210000200000190000 126750.9121680.9116610.9111540.8106470.8101400.7596330.71。

房贷计算方式房贷是如何计算出来的呢?以下是小编为您整理房贷计算方式，供您参考，希望对你有所帮助，更多详细内容请点击查看。

房贷计算方式一、利息计算[7]的基本常识(一)人民币业务的利率换算公式为(注：存贷通用)：1.日利率(0/000)=年利率(%)÷360=月利率(‰)÷302.月利率(‰)=年利率(%)÷12个人住房公积金贷款利率表(二)银行可采用积数计息法和逐笔计息法计算利息。

1.积数计息法按实际天数每日累计账户余额，以累计积数乘以日利率计算利息。

计息公式为：利息=累计计息积数×日利率，其中累计计息积数=每日余额合计数。

2.逐笔计息法按预先确定的计息公式利息=本金×利率×贷款期限逐笔计算利息，具体有三：计息期为整年(月)的，计息公式为：①利息=本金×年(月)数×年(月)利率计息期有整年(月)又有零头天数的，计息公式为：②利息=本金×年(月)数×年(月)利率+本金×零头天数×日利率同时，银行可选择将计息期全部化为实际天数计算利息，即每年为365天(闰年366天)，每月为当月公历实际天数，计息公式为：③利息=本金×实际天数×日利率这三个计算公式实质相同，但由于利率换算中一年只作360天，但实际按日利率计算时，一年将作365天计算，得出的结果会稍有偏差。

具体采用那一个公式计算，央行赋予了金融机构自主选择的权利。

因此，当事人和金融机构可以就此在合同中约定。

(三)复利：复利即对利息按一定的利率加收利息。

按照央行的规定，借款方未按照合同约定的时间偿还利息的，就要加收复利。

(四)罚息：贷款人未按规定期限归还银行贷款,银行按与当事人签订的合同对失约人的处罚利息叫银行罚息。

(五)贷款逾期违约金：性质与罚息相同，对合同违约方的惩罚措施。

房贷利息(月供)的计算方法公式如下：等额本息计算公式a=F*i(1+i)^n/[(1+i)^n-1]a:月供;F:贷款总额;i:贷款利率(月利率);n：还款月数^：次方等额本金计算方法：a1=(F÷n)+F*ia2=(F÷n)+(F-F÷n)*ia3=(F÷n)+[F-2F÷n)]*i.....an=(F÷n)+[F-(n-1)F÷n)]*ia1,a2....an 月供F贷款总额n还款月数i贷款月利率对于100万贷款，贷款20年，按照最新利率5.9%计算如下：每月等额还款每月等额还款即等额本息还款法，指借款人每月按相等的金额偿还贷款本息，其中每月贷款利息按月初剩余贷款本金计算并逐月结清。

个人住房贷款还本付息计算表贷款年限(年) 贷款金额(元) 个人住房公积金贷款个人住房商业贷款（基准利率） 年利率（%） 月利率（‰） 月均还款额（元） 还款总额（元）年利率（%）月利率（‰） 月均还款额（元）还款总额（元） 1 10000 2.750 2.292 一次还本付息 10275.00 4.600 3.833 一次还本付息 10460.00 2 10000 2.750 2.292 428.71 10288.97 5.000 4.167 438.71 10529.13 3 10000 2.750 2.292 289.71 10429.62 5.000 4.167 299.71 10789.52 4 10000 2.750 2.292 220.24 10571.52 5.000 4.167 230.29 11054.06 5 10000 2.750 2.292 178.58 10714.69 5.000 4.167 188.71 11322.74 6 10000 3.250 2.708 153.06 11020.16 5.150 4.292 161.75 11645.71 7 10000 3.250 2.708 133.26 11194.07 5.150 4.292 142.04 11931.78 8 10000 3.250 2.708 118.43 11369.73 5.150 4.292 127.31 12222.20 9 10000 3.250 2.708 106.92 11547.14 5.150 4.292 115.90 12516.95 10 10000 3.250 2.708 97.72 11726.28 5.150 4.292 106.80 12816.03 11 10000 3.250 2.708 90.21 11907.17 5.150 4.292 99.39 13119.40 12 10000 3.250 2.708 83.96 12089.80 5.150 4.292 93.24 13427.04 13 10000 3.250 2.708 78.68 12274.15 5.150 4.292 88.07 13738.93 14 10000 3.250 2.708 74.17 12460.23 5.150 4.292 83.66 14055.03 15 10000 3.250 2.708 70.27 12648.04 5.150 4.292 79.86 14375.33 16 10000 3.250 2.708 66.86 12837.56 5.150 4.292 76.56 14699.78 17 10000 3.250 2.708 63.87 13028.79 5.150 4.292 73.67 15028.36 18 10000 3.250 2.708 61.21 13221.73 5.150 4.292 71.12 15361.03 19 10000 3.250 2.708 58.84 13416.37 5.150 4.292 68.85 15697.75 20 10000 3.250 2.708 56.72 13612.70 5.150 4.292 66.83 16038.48 21 10000 3.250 2.708 54.80 13810.71 5.150 4.292 65.01 16383.19 22 10000 3.250 2.708 53.07 14010.41 5.150 4.292 63.38 16731.83 23 10000 3.250 2.708 51.49 14211.77 5.150 4.292 61.90 17084.35 24 10000 3.250 2.708 50.05 14414.80 5.150 4.292 60.56 17440.72 25 10000 3.250 2.708 48.73 14619.49 5.150 4.292 59.34 17800.88 26 10000 3.250 2.708 47.52 14825.82 5.150 4.292 58.22 18164.79 27 10000 3.250 2.708 46.40 15033.79 5.150 4.292 57.20 18532.40 28 10000 3.250 2.708 45.37 15243.38 5.150 4.292 56.26 18903.67 29 10000 3.250 2.708 44.41 15454.60 5.150 4.292 55.40 19278.53 3010000 3.250 2.708 43.5215667.43 5.150 4.292 54.6019656.94注：表中利率自2015年8月26日开始执行。