我家房子贷款,28万12年,怎么银行算出来每个月要还3424啊
推荐回答
1、目前商业银行5年以上贷款利率为6.55%。2、每月还款额=贷款额*投资回收系数=贷款额/年金现值系数=460000/{/6.55%/12}=3443.19元3、利息额=3443.19*20*12-460000=366365.60第一个月的利息=460000*6.55%/12=2510.83元，还本金=3443.19-2510.83=932.36元，还剩下本金460000-932.36=459067.64元。第二个月的利息=459067.64*6.55%/12=2505.74元，还本金=3443.19-2505.74=937.45元，还剩下本金=459067.64-937.45=458130.19元第三个月……第四个月……如此如此，参第N月本金还利息还本金月还款额剩余本金1460000.002510.83932.363443.19459067.642459067.642505.74937.453443.19458130.193458130.192500.63942.563443.19457187.634457187.632495.48947.713443.19456239.925456239.922490.31952.883443.19455287.046455287.042485.11958.083443.19454328.967454328.962479.88963.313443.19453365.658453365.652474.62968.573443.19452397.089452397.082469.33973.863443.19451423.2210451423.222464.02979.173443.19450444.0511450444.052458.67984.523443.19449459.5312449459.532453.30989.893443.19448469.6413448469.642447.90995.293443.19447474.3514447474.352442.461000.733443.19446473.6215446473.622437.001006.193443.19445467.4316445467.432431.511011.683443.19444455.7517444455.752425.991017.203443.19443438.5518443438.552420.441022.753443.19442415.8019442415.802414.851028.343443.19441387.4620441387.462409.241033.953443.19440353.5121440353.512403.601039.593443.19439313.9222439313.922397.921045.273443.19438268.6523438268.652392.221050.973443.19437217.6824437217.682386.481056.713443.19436160.97..22939889.21217.733225.463443.1936663.7523036663.75200.123243.073443.1933420.6823133420.68182.423260.773443.1930159.9123230159.91164.623278.573443.1926881.3423326881.34146.733296.463443.1923584.8823423584.88128.733314.463443.1920270.4223520270.42110.643332.553443.1916937.8723616937.8792.453350.743443.1913587.1323713587.1374.163369.033443.1910218.1023810218.1055.773387.423443.196830.682396830.6837.283405.913443.193424.772403424.7718.693424.503443.190.004、提前一次性还完，肯定能节约利息的。如果你不贷款，就能节约366365.74元的利息。部分偿还的话，也能节约利息。5、若两年后提前还完。则，你已经偿还了利息58797.53元，可节约利息366365.60-58797.53=307568.07元。
黎益仕2020-01-17 15:55:21
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其他回答
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房价41万。首付13万，就是要贷款28万。按现在5.15的利率算十年：等额本息：本金加利息358848.73元。每月还款2990.41。等额本金：本金加利息352700.83元。期次还款利息本金剩余本金135351201.672333.33277666.6723524.981191.652333.33275333.3333514.971181.642333.3327300043504.961171.632333.33270666.6753494.941161.612333.33268333.3363484.931151.62333.3326600073474.911141.582333.33263666.6783464.91131.572333.33261333.3393454.891121.562333.33259000103444.871111.542333.33256666.67113434.861101.532333.33254333.33123424.841091.512333.33252000133414.831081.52333.33249666.67143404.821071.492333.33247333.33153394.81061.472333.33245000163384.791051.462333.33242666.67173374.771041.442333.33240333.33183364.761031.432333.33238000193354.751021.422333.33235666.67203344.731011.42333.33233333.33213334.721001.392333.33231000223324.71991.382333.33228666.67233314.69981.362333.33226333.33243304.68971.352333.33224000253294.66961.332333.33221666.67263284.65951.322333.33219333.33273274.64941.312333.33217000283264.62931.292333.33214666.67293254.61921.282333.33212333.33303244.59911.262333.33210000313234.58901.252333.33207666.67323224.57891.242333.33205333.33333214.55881.222333.33203000343204.54871.212333.33201966.67353194.52861.192333.33198333.33363184.51851.182333.33196000373174.5841.172333.33193666.67383164.48831.152333.33191333.33393154.47821.142333.33189000403144.46811.132333.33186666.67413134.44801.112333.33184333.33423124.43791.12333.33182000433114.41781.082333.33179666.67443104.4771.072333.33177333.33453094.39761.062333.33175000463084.37751.042333.33172666.67473074.36741.032333.33170333.33483064.34731.012333.33168000493054.337212333.33165666.67503044.32710.992333.33163333.33513034.3700.972333.33161000523024.29690.962333.33158666.67533014.27680.942333.33156333.33543004.26670.932333.33154000552994.25660.922333.33151666.67562984.23650.92333.33149333.33572974.22640.892333.33147000582964.21630.882333.33144666.67592954.19620.862333.33142333.33602944.18610.852333.33140000612934.16600.832333.33137666.67622924.15590.822333.33135333.33632914.14580.812333.33133000642904.12570.792333.33130666.67652894.11560.782333.33128333.33662884.09550.762333.33126000672874.08540.752333.33123666.67682864.07530.742333.33121333.33692854.05520.722333.33119000702844.04510.712333.33116666.67712834.02500.692333.33114333.33722824.01490.682333.33112000732814480.672333.33109666.67742803.98470.652333.33107333.33752793.97460.642333.33105000762783.96450.632333.33102666.67772773.94440.612333.33100333.33782763.93430.62333.3398000792753.91420.582333.3395666.67802743.9410.572333.3393333.33812733.89400.562333.3391000822723.87390.542333.3388666.67832713.86380.532333.3386333.33842703.84370.512333.3384000852693.83360.52333.3381666.67862683.82350.492333.3379333.33872673.8340.472333.3377000882663.79330.462333.3374666.67892653.77320.442333.3372333.33902643.76310.432333.3370000912633.75300.422333.3367666.67922623.73290.42333.3365333.33932613.72280.392333.3363000942603.71270.382333.3360666.67952593.69260.362333.3358333.33962583.68250.352333.3356000972573.66240.332333.3353666.67982563.65230.322333.3351333.33992553.64220.312333.33490001002543.62210.292333.3346666.671012533.61200.282333.3344333.331022523.59190.262333.33420001032513.58180.252333.3339666.671042503.57170.242333.3337333.331052493.55160.222333.33350001062483.54150.212333.3332666.671072473.52140.192333.3330333.331082463.51130.182333.33280001092453.5120.172333.3325666.671102443.48110.152333.3323333.331112433.47100.142333.33210001122423.4690.132333.3318666.671132413.4480.112333.3316333.331142403.4370.12333.33140001152393.4160.082333.3311666.671162383.450.072333.339333.331172373.3940.062333.3370001182363.3730.042333.334666.671192353.3620.032333.332333.331202343.3410.012333.330如果提前还款要按当时情况算的。
辛国良2020-01-17 17:19:07
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按15年和20年分等额本息和等额本金共四种情况给你计算吧：贷款类型:商业贷款还款方式:等额本息贷款金额:440000元贷款年限:15年180个月年利率:7.05%月利率5.875‰每月月供:3967.15元总利息:274087.76元贷款类型:商业贷款还款方式:等额本金贷款金额:440000元贷款年限:15年180个月年利率:7.05%月利率5.875‰首月月供:5029.44元逐月递减:14.36元末月月供:2458.81元总利息:233942.5元贷款类型:商业贷款还款方式:等额本息贷款金额:440000元贷款年限:20年240个月年利率:7.05%月利率5.875‰每月月供:3424.53元总利息:381888.01元贷款类型:商业贷款还款方式:等额本金贷款金额:440000元贷款年限:20年240个月年利率:7.05%月利率5.875‰首月月供:4418.33元逐月递减:10.77元末月月供:1844.1元总利息:311492.5元。
贺龙龙2020-01-17 17:00:10
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每个银行的利息都不一样，具体得看银行的产品，一般月息4-6厘的样子吧。
齐月升2020-01-17 15:59:55
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按揭买房买方违约：第一，如果买方不愿意还款，银行将联合法院查封该房进行拍卖，拍卖出来的钱全部拿去还贷款，如果钱比贷款总数多，那么多出部分退还买方，如果钱不足贷款部分，银行只能自己填补；第二，如果买方不想买了，卖方可以没收首付款。房子还是归卖方所有。按揭”一词是英文“Mortgage”的粤语音译，指以房地产等实物资产或有价证券、契约等作抵押，获得银行贷款并依合同分期付清本息，贷款还清后银行归还抵押物。
龚小辉2020-01-17 15:37:21