等额本金和等额本息的题~

2024-11-18 12:18:27
推荐回答(3个)
回答1:

15万5年(60个月),年利率4.77%,月利率=4.77%/12=0.3975%
1.等额本息月还款额:
[150000*0.3975%*(1+0.3975%)^60]/[(1+0.3975%)^60-1]=2814.91元
利息总额:2814.91*60-150000=18894.6元
说明:^60为60次方
2.等额本金:每月本金150000/60=2500元
首月利息:150000*0.3975%=596.25
第二个月利息:(150000-2500*1)*0.3975%=586.31
第三个月利息:(150000-2500*2)*0.3975%=576.38元
……
最后一个月禅迹哗利息:(150000-2500*59)*0.3975%=9.94元
合计利息:18185.55元
3.比较结果,显然是等额本金合算,当然起初几个月还款压贺行力相对较大
4.在银行有存款而无其他投资方式的情州戚况下,应当选择提前还款,因为与贷款利率丰比存款利率相对较低,一方面低利存款,另一方面高利还款总是不合算的.
要提前还款,只要到贷款银行办理一个提前还款的申请,待上级银行审批后即可.

回答2:

你好,采用等额本息累计还款总额: 168,894.34元 支付息款: 18,894.34元 ,采用等桥坦滚额敏余本金累计还款总额: 168,185.55元 支付息款: 18,185.55元,很显然用等额本金还款方式。

银行有存款而无其他收入的情况下不该选择提前还款,应救急用。

因为利息并不高,没必要信局提前还~

回答3:

等额本金贷款计算公式:每月还款金额 = (贷款本金 / 还扰尘款月数)+(本金 — 已归芦李凳还本金累计额)×每月利率
等额本息贷款计算公式陪旅:每月还款金额 =  [贷款本金×月利率×(1+月利率)^还款月数]÷[(1+月利率)^还款月数-1]

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