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简明房贷计算表

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房贷计算公式表

房贷计算公式表

房贷计算公式表随着房价的持续上涨，购房者背负的贷款也越来越大，而如何计算房贷是购房者最关心的问题之一。

对于房贷计算，我们可以使用一些公式来计算，需要下面这张“房贷计算公式表”：1.月还款额（X）＝贷款本金÷还款期数（Y）2.月均利息费（A）＝每月还款额（X）＊利率（C）3.月还款总额（B）＝每月本息（X）＋每月均利息费（A）4.利息总额（D）＝月还款总额（B）＊还款期数（Y）－贷款本金（Z）由于每个银行的利率不同，购房者在购房贷款时，利率也是需要考虑的重要因素。

由于利率不同，计算得出的月还款总额也不同，因此，购房者要根据自身实际情况，在能接受的范围内，选择一款合适的贷款。

除了计算月还款总额之外，购房者还需要考虑利息总额问题，利息总额是按照贷款本金、利率以及还款期数来计算的，因此，在选择贷款的时候，要考虑到哪种贷款，所交的利息总额更低。

房贷计算是购房过程中最重要的一环，在计算房贷时，除了要遵循“房贷计算公式表”外，购房者也应该根据自身的能力与需求，以及银行的利率优惠，进行考虑和参考，以便能更好的完成购房的过程。

计算房贷的过程并不复杂，主要是根据月还款总额以及利息总额来确定贷款本金和贷款期数。

根据“房贷计算公式表”，购房者可以通过以下步骤来计算：1.确定贷款利率、贷款本金和还款期数；2.按照第一步确定的信息，以“房贷计算公式表”中的公式计算月还款和利息；3.根据月还款总额和利息总额，确定最佳的贷款方案。

最后，在购房过程中，购房者要谨记购买的房屋要符合法律法规，并且要了解购买房屋的产权概况，才能确保自己的资金安全，最终能够顺利完成购房贷款审批过程。

以上就是关于《房贷计算公式表》的介绍，我们可以通过这张表来计算房贷，购房者在选择最佳的贷款方案时，需要根据自身的能力，实际情况以及银行的利率优惠，进行考虑和参考，以便能够更好的完成房贷的计算。

房贷计算表

房贷计算表

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第196月 第197月 第198月 第199月 第200月 第201月 第202月 第203月 第204月 第205月 第206月 第207月 第208月 第209月 第210月 第211月 第212月 第213月 第214月 第215月 第216月 第217月 第218月 第219月 第220月 第221月 第222月 第223月 第224月 第225月 第226月 第227月 第228月 第229月 第230月 第231月 第232月 第233月 第234月 第235月 第236月 第237月 第238月 第239月 第240月
第146月 第147月 第148月 第149月 第150月 第151月 第152月 第153月 第154月 第155月 第156月 第157月 第158月 第159月 第160月 第161月 第162月 第163月 第164月 第165月 第166月 第167月 第168月 第169月 第170月 第171月 第172月 第173月 第174月 第175月 第176月 第177月 第178月 第179月 第180月 第181月 第182月 第183月 第184月 第185月 第186月 第187月 第188月 第189月 第190月 第191月 第192月 第193月 第194月 第195月
贷款额 基准利率 1,860,000.00 4.90% 累计还款额 2,411,397.00 剩余本金 1,844,500.00 1,829,000.00 1,813,500.00 1,798,000.00 1,782,500.00 1,767,000.00 1,751,500.00 1,736,000.00 1,720,500.00 1,705,000.00 1,689,500.00 1,674,000.00 1,658,500.00 1,643,000.00 1,627,500.00 1,612,000.00 1,596,500.00 1,581,000.00 1,565,500.00 1,550,000.00 1,534,500.00 1,519,000.00 1,503,500.00 1,488,000.00 1,472,500.00 1,457,000.00 1,441,500.00 1,426,000.00 1,410,500.00 1,395,000.00 1,379,500.00 1,364,000.00 1,348,500.00 1,333,000.00 1,317,500.00 1,302,000.00 1,286,500.00 1,271,000.00 1,255,500.00 1,240,000.00 1,224,500.00 1,209,000.00 1,193,500.00 1,178,000.00 1,162,500.00 每月还款 24,614.00 24,538.05 24,462.10 24,386.15 24,310.20 24,234.25 24,158.30 24,082.35 24,006.40 23,930.45 23,854.50 23,778.55 23,702.60 23,626.65 23,550.70 23,474.75 23,398.80 23,322.85 23,246.90 23,170.95 23,095.00 23,019.05 22,943.10 22,867.15 22,791.20 22,715.25 22,639.30 22,563.35 22,487.40 22,411.45 22,335.50 22,259.55 22,183.60 22,107.65 22,031.70 21,955.75 21,879.80 21,803.85 21,727.90 21,651.95 21,576.00 21,500.05 21,424.10 21,348.15 21,272.20

等额本息房贷计算过程表

等额本息房贷计算过程表

592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50 592.50
95,161.02 95,035.60 94,909.57 94,782.92 94,655.65 94,527.76 94,399.23 94,270.08 94,140.29 94,009.87 93,878.80 93,747.09 93,614.74 93,481.73 93,348.08 93,213.76 93,078.79 92,943.16 92,806.85 92,669.89 92,532.24 92,393.93 92,254.93 92,115.25 91,974.89 91,833.83 91,692.09 91,549.64 91,406.50 91,262.66 91,118.11 90,972.85 90,826.88 90,680.19 90,532.79 90,384.65 90,235.79 90,086.21 89,935.88 89,784.82 89,633.02 89,480.47 89,327.17 89,173.12 89,018.32 88,862.75 88,706.42

房贷计算公式表

房贷计算公式表

房贷计算公式表现在，越来越多的人开始考虑是否购买房屋，以满足自己的财产需求。

由于房屋价格昂贵，偿还房贷可能是购房者最大的问题。

因此，计算房贷是必要的。

本文主要介绍了房贷计算的主要公式，以及如何使用这些公式来计算房贷费用。

首先，我们介绍了基础公式，它可以帮助我们计算房贷总额、月还款金额和月利息。

其次，我们介绍了住房支持公式，它可以帮助房贷申请人获得更低的利率，以及更快的支付速度。

最后，我们介绍了税务减免公式，它可以帮助房贷申请人获得税收优惠。

下面列出了常用的房贷计算公式：1.贷总额（T）=借款金额（L）×款期限（N）×利率（r）2.款本息总额（B）=房贷总额（T）×（1+N×r）3.还款总额（M）=（1+N×r）×房贷总额（T）/月还款期限（n）4.利息（I）=房贷总额（T）×利率（r）/125. 住房支持指数（HP）=贷款金额（L）×款期限（N）/实际交付贷款金额（A）6.务减免比例（TR）=贷款金额（L）×款期限（N）/收入（I）以上是房贷计算的主要公式表。

计算房贷的大致过程如下：首先，填写个人信息，并输入贷款金额、贷款期限、年利率等基本信息；其次，根据前面介绍的公式计算出房贷总额、月还款金额和月利息；最后，根据个人情况，计算出住房支持指数和税务减免比例，以获得更低的利率和更快的支付速度。

以上就是本文有关房贷计算公式表的介绍，希望对您有所帮助。

在进行房贷申请前，建议您再三确认后，再根据上述公式进行计算。

只要您能够充分利用这些公式，就可以有效地避免经济损失，并确保全面的房贷投资规划。

房贷还款利息计算表

房贷还款利息计算表
等额本息还款法借款月均还款还本付息计算表(元) 等额本息还款法借款月均还款还本付息计算表 元
输入本金: 输入还款期数(月): 输入月利率:
1000000 240 0.005875
月还Байду номын сангаас息合计:
7783.030380
240 还款 次数 第1个月 第2个月 第3个月 第4个月 第5个月 第6个月 第7个月 第8个月 第9个月 第10个月 第11个月 第12个月 第13个月 第14个月 第15个月 第16个月 第17个月 第18个月 第19个月 第20个月 第21个月 第22个月 第23个月 第24个月 第25个月 第26个月 第27个月 第28个月 第29个月 第30个月 第31个月 第32个月 第33个月 第34个月 第35个月 第36个月 第37个月 第38个月 第39个月 第40个月 第41个月 第42个月 第43个月
0.005875 月利率 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500 0.00587500

房贷最简单的计算方法2篇

房贷最简单的计算方法2篇

房贷最简单的计算方法2篇第一篇：房贷最简单的计算方法房贷是一个很常见的财务问题，很多人都需要贷款购买自己的房子，但是不知道如何计算房贷的具体数值。

这篇文章将介绍两种最简单的计算房贷的方法，帮助你了解房贷的基本知识。

方法一：等额本息法等额本息法是目前最常用的房贷计算方式之一，也被称为等额分期还款法。

该方法的特点是每月偿还的贷款额是固定的，每月偿还的利息和本金的比例也是固定的。

这种方法最大的优点是每月还款额相同，能够方便贷款人进行经济规划，每月还款金额需用如下公式进行计算：每月应还款额=贷款金额×月利率×（1+月利率）^贷款期限÷（1+月利率）^贷款期限-1其中，月利率为年利率÷12，贷款期限为按揭还款的月数。

例如，如果你要借贷50万，期限是30年，利率为5.5%，那么每月需要还款额为：每月应还款额=500000×0.00458×（1+0.00458）^360÷（1+0.00458）^360-1=2825元（精确到分）需要注意的是，这种方法在前几年的还款中，偿还的本金较少，大部分都是利息，后几年偿还的本金逐渐增多，利息逐渐减少。

方法二：等额本金法等额本金法是一种与等额本息法相对应的计算方法。

该方法在还款期内每月偿还的本金是固定的，每月偿还的利息则随着剩余本金的减少而降低。

这种方法的优点是总利息较少，还款期间负担较轻，需要还款的本金及期数也能直观明了地被计算出来。

每月还款金额需用如下公式进行计算：每月还款额=（贷款金额÷贷款期限）+（贷款本金-已还本金）×月利率其中，月利率和贷款期限的计算方法与等额本息法相同。

以同样的例子，每月需要还款额为：每月还款额=（500000÷360）+（500000-（500000÷360×已还期数））×0.00458例如，第10个月还款，则已还期数为10，每月需要还款额为：每月还款额=（500000÷360）+（500000-（500000÷360×10））×0.00458=2478元（精确到分）两种方法都有其特点，选择哪种方法还款应视个人情况而定。

房贷计算表格


备注: 黄色为输入数据 利息 ¥1,960.82 ¥1,952.65 ¥1,944.48 ¥1,936.31 ¥1,928.14 ¥1,919.97 ¥1,911.80 ¥1,903.63 ¥1,895.46 ¥1,887.29 ¥1,879.12 ¥1,870.95 ¥1,862.78 ¥1,854.61 ¥1,846.44 ¥1,838.27 ¥1,830.10 ¥1,821.93 ¥1,813.76 ¥1,805.59 ¥1,797.42 ¥1,789.25 ¥1,781.08 ¥1,772.91 ¥1,764.74 ¥1,756.56 ¥1,748.39 ¥1,740.22 ¥1,732.05 ¥1,723.88 ¥1,715.71 ¥1,707.54 ¥1,699.37 ¥1,691.20 ¥1,683.03 ¥1,674.86 ¥1,666.69 ¥1,658.52 ¥1,650.35 ¥1,642.18 ¥1,634.01 ¥1,625.84 ¥1,617.67 ¥1,609.50 ¥1,601.33 ¥1,593.16 ¥1,584.99 ¥1,576.82 ¥1,568.65 ¥1,560.48 ¥1,552.31 ¥1,544.14 期末余额 总利息 ¥487,958.33 ¥236,278.41 ¥485,916.67 ¥483,875.00 ¥481,833.33 ¥479,791.67 ¥477,750.00 ¥475,708.33 ¥473,666.67 ¥471,625.00 ¥469,583.33 ¥467,541.67 ¥465,500.00 ¥463,458.33 ¥461,416.67 ¥459,375.00 ¥457,333.33 ¥455,291.67 ¥453,250.00 ¥451,208.33 ¥449,166.67 ¥447,125.00 ¥445,083.33 ¥443,041.67 ¥441,000.00 ¥438,958.33 ¥436,916.67 ¥434,875.00 ¥432,833.33 ¥430,791.67 ¥428,750.00 ¥426,708.33 ¥424,666.67 ¥422,625.00 ¥420,583.33 ¥418,541.67 ¥416,500.00 ¥414,458.33 ¥412,416.67 ¥410,375.00 ¥408,333.33 ¥406,291.67 ¥404,250.00 ¥402,208.33 ¥400,166.67 ¥398,125.00 ¥396,083.33 ¥394,041.67 ¥392,000.00 ¥389,958.33 ¥387,916.67 ¥385,875.00 ¥383,833.33

常用房贷还款计算方法即计算公式excel详解

还款计算
房屋贷款 年换利率6% 0.5%月 贷款12万元 1年还清 12期 利息12*6%=0.72万元（错误）
等额本金 本金12万/12 本期还款本金12万/12=1万元 利息 12万*0.5%=600元 11万*0.5%=550元 ………… 1万*0.5%=50元 600+550+……+50=3900元 合计：0.39万+12万=12.39万
幕布 - 极简大纲笔记 | 一键生成思维导图
等额本息（每月还的本金和利息不变） 假设一共12期，每期还款分别是a0,a1,a2,a3,a4,a5……a12=0；每月还款A（本金+利息）
a0=12万 a1=a0(1+0.5%)-A …… a12=a11(1+0.5%)-A=0 A=10328元 每月应还金额：A=a*[i*(1+i)^n]/[(1+i)^n-1] 等额本息还贷第n个月还贷本金：：C=a*i(1+i)^(n-1)/[(1+i)^N-1] 等额本息还贷第n个月还贷利息：I=A-C= a*i(1+i)^N/[(1+i)^N-1]- a*i(1+i)^(n-1)/[(1+i)^N-1] 总体等额本息>等额本金 Excel计算公式： 等额本息：PMT(rate, nper, pv, [fv], [type]) rate=月利率，nper贷款月份，pv贷款金额 计算等额本息每期应还本息计算等额来自息每期利息 等额本息本金计算公式
RATE(nper, pmt, pv, [fv], [type], [guess]) 等额本息计算利率公式
IRR(Internal Rate of Return) 内部收益率 计算先息后本，包括砍头息
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注：6.55% 6.15% 4.90% 4.90%4.90%11.08①执行新的利率时，修改贷款总数(即剩余本金)和剩余还款总期数重新计算；②若提前还款，按还款后剩余本金和剩余还款期数计算即可；③为防出错，表格已保护，可在菜单处点击：审阅--撤销工作表保护，密码112233；④ 底纹、红色字体为按需输入项。

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2820.001791.67-1791.67658504.152907.633482.50-574.87819951.20 2830.001791.67-1791.67658504.152907.633497.86-590.23822858.83 2840.001791.67-1791.67658504.152907.633513.28-605.65825766.46 2850.001791.67-1791.67658504.152907.633528.78-621.15828674.09 2860.001791.67-1791.67658504.152907.633544.34-636.71831581.72 2870.001791.67-1791.67658504.152907.633559.97-652.34834489.34 2880.001791.67-1791.67658504.152907.633575.67-668.04837396.97 2890.001791.67-1791.67658504.152907.633591.44-683.81840304.60 2900.001791.67-1791.67658504.152907.633607.28-699.65843212.23 2910.001791.67-1791.67658504.152907.633623.18-715.55846119.86 2920.001791.67-1791.67658504.152907.633639.16-731.53849027.49 2930.001791.67-1791.67658504.152907.633655.21-747.58851935.11 2940.001791.67-1791.67658504.152907.633671.33-763.70854842.74 2950.001791.67-1791.67658504.152907.633687.52-779.89857750.37 2960.001791.67-1791.67658504.152907.633703.78-796.15860658.00 2970.001791.67-1791.67658504.152907.633720.12-812.49863565.63 2980.001791.67-1791.67658504.152907.633736.52-828.89866473.26 2990.001791.67-1791.67658504.152907.633753.00-845.37869380.88 3000.001791.67-1791.67658504.152907.633769.55-861.92872288.51 3010.001791.67-1791.67658504.152907.633786.17-878.55875196.14 3020.001791.67-1791.67658504.152907.633802.87-895.24878103.77 3030.001791.67-1791.67658504.152907.633819.64-912.01881011.40 3040.001791.67-1791.67658504.152907.633836.49-928.86883919.03 3050.001791.67-1791.67658504.152907.633853.41-945.78886826.66 3060.001791.67-1791.67658504.152907.633870.40-962.77889734.28 3070.001791.67-1791.67658504.152907.633887.47-979.84892641.91 3080.001791.67-1791.67658504.152907.633904.61-996.98895549.54 3090.001791.67-1791.67658504.152907.633921.83-1014.20898457.17 3100.001791.67-1791.67658504.152907.633939.13-1031.50901364.80 3110.001791.67-1791.67658504.152907.633956.50-1048.87904272.43 3120.001791.67-1791.67658504.152907.633973.95-1066.32907180.05 3130.001791.67-1791.67658504.152907.633991.47-1083.84910087.683140.001791.67-1791.67658504.152907.634009.07-1101.44912995.31 3150.001791.67-1791.67658504.152907.634026.75-1119.12915902.94 3160.001791.67-1791.67658504.152907.634044.51-1136.88918810.57 3170.001791.67-1791.67658504.152907.634062.35-1154.72921718.20 3180.001791.67-1791.67658504.152907.634080.26-1172.63924625.82 3190.001791.67-1791.67658504.152907.634098.26-1190.63927533.45 3200.001791.67-1791.67658504.152907.634116.33-1208.70930441.08 3210.001791.67-1791.67658504.152907.634134.48-1226.85933348.71 3220.001791.67-1791.67658504.152907.634152.72-1245.09936256.34 3230.001791.67-1791.67658504.152907.634171.03-1263.40939163.97 3240.001791.67-1791.67658504.152907.634189.42-1281.79942071.59 3250.001791.67-1791.67658504.152907.634207.90-1300.27944979.22 3260.001791.67-1791.67658504.152907.634226.46-1318.83947886.85 3270.001791.67-1791.67658504.152907.634245.09-1337.47950794.48 3280.001791.67-1791.67658504.152907.634263.81-1356.19953702.11 3290.001791.67-1791.67658504.152907.634282.62-1374.99956609.74 3300.001791.67-1791.67658504.152907.634301.50-1393.88959517.36 3310.001791.67-1791.67658504.152907.634320.47-1412.85962424.99 3320.001791.67-1791.67658504.152907.634339.53-1431.90965332.62 3330.001791.67-1791.67658504.152907.634358.66-1451.04968240.25 3340.001791.67-1791.67658504.152907.634377.89-1470.26971147.88 3350.001791.67-1791.67658504.152907.634397.19-1489.56974055.51 3360.001791.67-1791.67658504.152907.634416.58-1508.96976963.13 3370.001791.67-1791.67658504.152907.634436.06-1528.43979870.76 3380.001791.67-1791.67658504.152907.634455.62-1548.00982778.39 3390.001791.67-1791.67658504.152907.634475.27-1567.65985686.02 3400.001791.67-1791.67658504.152907.634495.01-1587.38988593.65 3410.001791.67-1791.67658504.152907.634514.83-1607.20991501.28 3420.001791.67-1791.67658504.152907.634534.74-1627.12994408.90 3430.001791.67-1791.67658504.152907.634554.74-1647.11997316.53 3440.001791.67-1791.67658504.152907.634574.83-1667.201000224.16 3450.001791.67-1791.67658504.152907.634595.00-1687.371003131.79 3460.001791.67-1791.67658504.152907.634615.27-1707.641006039.42 3470.001791.67-1791.67658504.152907.634635.62-1727.991008947.05 3480.001791.67-1791.67658504.152907.634656.06-1748.441011854.683490.001791.67-1791.67658504.152907.634676.60-1768.971014762.30 3500.001791.67-1791.67658504.152907.634697.22-1789.591017669.93 3510.001791.67-1791.67658504.152907.634717.94-1810.311020577.56 3520.001791.67-1791.67658504.152907.634738.74-1831.111023485.19 3530.001791.67-1791.67658504.152907.634759.64-1852.011026392.82 3540.001791.67-1791.67658504.152907.634780.63-1873.001029300.45 3550.001791.67-1791.67658504.152907.634801.71-1894.081032208.07 3560.001791.67-1791.67658504.152907.634822.89-1915.261035115.70 3570.001791.67-1791.67658504.152907.634844.16-1936.531038023.33 3580.001791.67-1791.67658504.152907.634865.52-1957.891040930.96 3590.001791.67-1791.67658504.152907.634886.98-1979.351043838.59 3600.001791.67-1791.67658504.152907.634908.53-2000.901046746.22 3610.001791.67-1791.67658504.152907.634930.17-2022.551049653.84等额本息还款法:每月月供额=贷款本金×月利率×(1＋月利率)＾还款月数〕÷〔(1＋月利率)＾还款月数-1〕)= （贷款本金+利息总数）/还款月数本月应还利息=贷款本金×月利率×〔(1+月利率)^还款月数-(1+月利率)^(还款月序号-1)〕÷〔(1+月利率)^还款月数-1〕=剩余本金*贷款月利率本月应还本金=贷款本金×月利率×(1+月利率)^(还款月序号-1)÷〔(1+月利率)^还款月数-1〕=每月月供-本月应还利息总利息=还款月数×每月月供额-贷款本金等额本金还款法:本月月供额=(贷款本金÷还款月数)+(贷款本金-已归还本金累计额)×月利率每月应还本金=贷款本金÷还款月数本月应还利息=剩余本金×月利率=(贷款本金-已归还本金累计额)×月利率每月月供递减额=每月应还本金×月利率=贷款本金÷还款月数×月利率总利息=还款月数×(总贷款额×月利率-月利率×(总贷款额÷还款月数)*(还款月数-1)÷2+总贷款额÷还款月数)月利率=年利率÷12款月利率。