银行房贷10万 20年还 月供多少 总共利息和本是多少钱

月供668.27元，本息和160384.83元。其实都会上下浮动的，你可以用贷款计算器计算。房贷有两种计算方式：
一、等额本息还款法:
1、等额本息法最重要的一个特点是每月的还款额相同，从本质上来说是本金所占比例逐月递增，利息所占比例逐月递减，月还款数不变，即在月供“本金与利息”的分配比例中，前半段时期所还的利息比例大、本金比例小，还款期限过半后逐步转为本金比例大、利息比例小。
2、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〕
3、每月应还利息=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〕
4、每月应还本金=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〕　
5、总利息=还款月数×每月月供额-贷款本金

二、等额本金还款法:
1、等额本金法最大的特点是每月的还款额不同，呈现逐月递减的状态；它是将贷款本金按还款的总月数均分，再加上上期剩余本金的利息，这样就形成月还款额，所以等额本金法第一个月的还款额最多 ，然后逐月减少，越还越少
2、每月月供额=(贷款本金÷还款月数)+(贷款本金-已归还本金累计额)×月利率
3、每月应还本金=贷款本金÷还款月数
4、每月应还利息=剩余本金×月利率=(贷款本金-已归还本金累计额)×月利率
5、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
6、总利息=〔(总贷款额÷还款月数+总贷款额×月利率)+总贷款额÷还款月数×(1+月利率)〕÷2×还款月数-总贷款额
7、月利率=年利率÷12

银行房贷10万 20年还月供668.27元， 总共利息和本金是160384.83元

建议和贷款机构详细确认，若在招行办理，可以通过招行计算器尝试计算，详见：招行主页，右侧理财计算器。

期次 还款时间 偿还利息 偿还本金 偿还本息 剩余本金
1 2009-11-20 495 200.36 695.36 99799.64
2 2009-12-20 494.01 201.35 695.36 99598.29
3 2010-1-20 493.01 202.35 695.36 99395.95
4 2010-2-20 492.01 203.35 695.36 99192.6
5 2010-3-20 491 204.35 695.36 98988.25
6 2010-4-20 489.99 205.37 695.36 98782.88
7 2010-5-20 488.98 206.38 695.36 98576.5
8 2010-6-20 487.95 207.4 695.36 98369.09
9 2010-7-20 486.93 208.43 695.36 98160.66
10 2010-8-20 485.9 209.46 695.36 97951.2
11 2010-9-20 484.86 210.5 695.36 97740.7
12 2010-10-20 483.82 211.54 695.36 97529.16
13 2010-11-20 482.77 212.59 695.36 97316.57
14 2010-12-20 481.72 213.64 695.36 97102.93
15 2011-1-20 480.66 214.7 695.36 96888.23
16 2011-2-20 479.6 215.76 695.36 96672.47
17 2011-3-20 478.53 216.83 695.36 96455.64
18 2011-4-20 477.46 217.9 695.36 96237.74
19 2011-5-20 476.38 218.98 695.36 96018.76
20 2011-6-20 475.29 220.06 695.36 95798.7
21 2011-7-20 474.2 221.15 695.36 95577.54
22 2011-8-20 473.11 222.25 695.36 95355.3
23 2011-9-20 472.01 223.35 695.36 95131.95
24 2011-10-20 470.9 224.45 695.36 94907.49
25 2011-11-20 469.79 225.57 695.36 94681.93
26 2011-12-20 468.68 226.68 695.36 94455.24
27 2012-1-20 467.55 227.8 695.36 94227.44
28 2012-2-20 466.43 228.93 695.36 93998.51
29 2012-3-20 465.29 230.06 695.36 93768.44
30 2012-4-20 464.15 231.2 695.36 93537.24
31 2012-5-20 463.01 232.35 695.36 93304.89
32 2012-6-20 461.86 233.5 695.36 93071.39
33 2012-7-20 460.7 234.65 695.36 92836.74
34 2012-8-20 459.54 235.82 695.36 92600.92
35 2012-9-20 458.37 236.98 695.36 92363.94
36 2012-10-20 457.2 238.16 695.36 92125.79
37 2012-11-20 456.02 239.33 695.36 91886.45
38 2012-12-20 454.84 240.52 695.36 91645.93
39 2013-1-20 453.65 241.71 695.36 91404.22
40 2013-2-20 452.45 242.91 695.36 91161.31
41 2013-3-20 451.25 244.11 695.36 90917.2
42 2013-4-20 450.04 245.32 695.36 90671.89
43 2013-5-20 448.83 246.53 695.36 90425.36
44 2013-6-20 447.61 247.75 695.36 90177.6
45 2013-7-20 446.38 248.98 695.36 89928.63
46 2013-8-20 445.15 250.21 695.36 89678.41
47 2013-9-20 443.91 251.45 695.36 89426.97
48 2013-10-20 442.66 252.69 695.36 89174.27
49 2013-11-20 441.41 253.94 695.36 88920.33
50 2013-12-20 440.16 255.2 695.36 88665.12
51 2014-1-20 438.89 256.47 695.36 88408.66
52 2014-2-20 437.62 257.73 695.36 88150.92
53 2014-3-20 436.35 259.01 695.36 87891.91
54 2014-4-20 435.06 260.29 695.36 87631.62
55 2014-5-20 433.78 261.58 695.36 87370.04
56 2014-6-20 432.48 262.88 695.36 87107.17
57 2014-7-20 431.18 264.18 695.36 86842.99
58 2014-8-20 429.87 265.48 695.36 86577.5
59 2014-9-20 428.56 266.8 695.36 86310.7
60 2014-10-20 427.24 268.12 695.36 86042.59
61 2014-11-20 425.91 269.45 695.36 85773.14
62 2014-12-20 424.58 270.78 695.36 85502.36
63 2015-1-20 423.24 272.12 695.36 85230.24
64 2015-2-20 421.89 273.47 695.36 84956.77
65 2015-3-20 420.54 274.82 695.36 84681.95
66 2015-4-20 419.18 276.18 695.36 84405.77
67 2015-5-20 417.81 277.55 695.36 84128.22
68 2015-6-20 416.43 278.92 695.36 83849.29
69 2015-7-20 415.05 280.3 695.36 83568.99
70 2015-8-20 413.67 281.69 695.36 83287.3
71 2015-9-20 412.27 283.09 695.36 83004.21
72 2015-10-20 410.87 284.49 695.36 82719.73
73 2015-11-20 409.46 285.89 695.36 82433.83
74 2015-12-20 408.05 287.31 695.36 82146.52
75 2016-1-20 406.63 288.73 695.36 81857.79
76 2016-2-20 405.2 290.16 695.36 81567.63
77 2016-3-20 403.76 291.6 695.36 81276.03
78 2016-4-20 402.32 293.04 695.36 80982.99
79 2016-5-20 400.87 294.49 695.36 80688.5
80 2016-6-20 399.41 295.95 695.36 80392.55
81 2016-7-20 397.94 297.41 695.36 80095.13
82 2016-8-20 396.47 298.89 695.36 79796.25
83 2016-9-20 394.99 300.37 695.36 79495.88
84 2016-10-20 393.5 301.85 695.36 79194.03
85 2016-11-20 392.01 303.35 695.36 78890.68
86 2016-12-20 390.51 304.85 695.36 78585.83
87 2017-1-20 389 306.36 695.36 78279.48
88 2017-2-20 387.48 307.87 695.36 77971.6
89 2017-3-20 385.96 309.4 695.36 77662.2
90 2017-4-20 384.43 310.93 695.36 77351.27
91 2017-5-20 382.89 312.47 695.36 77038.81
92 2017-6-20 381.34 314.02 695.36 76724.79
93 2017-7-20 379.79 315.57 695.36 76409.22
94 2017-8-20 378.23 317.13 695.36 76092.09
95 2017-9-20 376.66 318.7 695.36 75773.39
96 2017-10-20 375.08 320.28 695.36 75453.11
97 2017-11-20 373.49 321.86 695.36 75131.24
98 2017-12-20 371.9 323.46 695.36 74807.79
99 2018-1-20 370.3 325.06 695.36 74482.73
100 2018-2-20 368.69 326.67 695.36 74156.06
101 2018-3-20 367.07 328.29 695.36 73827.77
102 2018-4-20 365.45 329.91 695.36 73497.86
103 2018-5-20 363.81 331.54 695.36 73166.32
104 2018-6-20 362.17 333.18 695.36 72833.14
105 2018-7-20 360.52 334.83 695.36 72498.3
106 2018-8-20 358.87 336.49 695.36 72161.81
107 2018-9-20 357.2 338.16 695.36 71823.65
108 2018-10-20 355.53 339.83 695.36 71483.82
109 2018-11-20 353.84 341.51 695.36 71142.31
110 2018-12-20 352.15 343.2 695.36 70799.11
111 2019-1-20 350.46 344.9 695.36 70454.21
112 2019-2-20 348.75 346.61 695.36 70107.6
113 2019-3-20 347.03 348.32 695.36 69759.27
114 2019-4-20 345.31 350.05 695.36 69409.22
115 2019-5-20 343.58 351.78 695.36 69057.44
116 2019-6-20 341.83 353.52 695.36 68703.92
117 2019-7-20 340.08 355.27 695.36 68348.65
118 2019-8-20 338.33 357.03 695.36 67991.61
119 2019-9-20 336.56 358.8 695.36 67632.81
120 2019-10-20 334.78 360.58 695.36 67272.24
121 2019-11-20 333 362.36 695.36 66909.88
122 2019-12-20 331.2 364.15 695.36 66545.73
123 2020-1-20 329.4 365.96 695.36 66179.77
124 2020-2-20 327.59 367.77 695.36 65812
125 2020-3-20 325.77 369.59 695.36 65442.41
126 2020-4-20 323.94 371.42 695.36 65071
127 2020-5-20 322.1 373.26 695.36 64697.74
128 2020-6-20 320.25 375.1 695.36 64322.64
129 2020-7-20 318.4 376.96 695.36 63945.68
130 2020-8-20 316.53 378.83 695.36 63566.85
131 2020-9-20 314.66 380.7 695.36 63186.15
132 2020-10-20 312.77 382.59 695.36 62803.56
133 2020-11-20 310.88 384.48 695.36 62419.08
134 2020-12-20 308.97 386.38 695.36 62032.7
135 2021-1-20 307.06 388.3 695.36 61644.4
136 2021-2-20 305.14 390.22 695.36 61254.19
137 2021-3-20 303.21 392.15 695.36 60862.04
138 2021-4-20 301.27 394.09 695.36 60467.95
139 2021-5-20 299.32 396.04 695.36 60071.91
140 2021-6-20 297.36 398 695.36 59673.9
141 2021-7-20 295.39 399.97 695.36 59273.93
142 2021-8-20 293.41 401.95 695.36 58871.98
143 2021-9-20 291.42 403.94 695.36 58468.04
144 2021-10-20 289.42 405.94 695.36 58062.1
145 2021-11-20 287.41 407.95 695.36 57654.15
146 2021-12-20 285.39 409.97 695.36 57244.18
147 2022-1-20 283.36 412 695.36 56832.18
148 2022-2-20 281.32 414.04 695.36 56418.14
149 2022-3-20 279.27 416.09 695.36 56002.05
150 2022-4-20 277.21 418.15 695.36 55583.91
151 2022-5-20 275.14 420.22 695.36 55163.69
152 2022-6-20 273.06 422.3 695.36 54741.39
153 2022-7-20 270.97 424.39 695.36 54317.01
154 2022-8-20 268.87 426.49 695.36 53890.52
155 2022-9-20 266.76 428.6 695.36 53461.92
156 2022-10-20 264.64 430.72 695.36 53031.2
157 2022-11-20 262.5 432.85 695.36 52598.34
158 2022-12-20 260.36 435 695.36 52163.35
159 2023-1-20 258.21 437.15 695.36 51726.2
160 2023-2-20 256.04 439.31 695.36 51286.89
161 2023-3-20 253.87 441.49 695.36 50845.4
162 2023-4-20 251.68 443.67 695.36 50401.73
163 2023-5-20 249.49 445.87 695.36 49955.86
164 2023-6-20 247.28 448.08 695.36 49507.78
165 2023-7-20 245.06 450.29 695.36 49057.49
166 2023-8-20 242.83 452.52 695.36 48604.96
167 2023-9-20 240.59 454.76 695.36 48150.2
168 2023-10-20 238.34 457.01 695.36 47693.19
169 2023-11-20 236.08 459.28 695.36 47233.91
170 2023-12-20 233.81 461.55 695.36 46772.36
171 2024-1-20 231.52 463.83 695.36 46308.53
172 2024-2-20 229.23 466.13 695.36 45842.4
173 2024-3-20 226.92 468.44 695.36 45373.96
174 2024-4-20 224.6 470.76 695.36 44903.2
175 2024-5-20 222.27 473.09 695.36 44430.12
176 2024-6-20 219.93 475.43 695.36 43954.69
177 2024-7-20 217.58 477.78 695.36 43476.91
178 2024-8-20 215.21 480.15 695.36 42996.76
179 2024-9-20 212.83 482.52 695.36 42514.24
180 2024-10-20 210.45 484.91 695.36 42029.32
181 2024-11-20 208.05 487.31 695.36 41542.01
182 2024-12-20 205.63 489.72 695.36 41052.29
183 2025-1-20 203.21 492.15 695.36 40560.14
184 2025-2-20 200.77 494.58 695.36 40065.55
185 2025-3-20 198.32 497.03 695.36 39568.52
186 2025-4-20 195.86 499.49 695.36 39069.03
187 2025-5-20 193.39 501.97 695.36 38567.06
188 2025-6-20 190.91 504.45 695.36 38062.61
189 2025-7-20 188.41 506.95 695.36 37555.66
190 2025-8-20 185.9 509.46 695.36 37046.21
191 2025-9-20 183.38 511.98 695.36 36534.23
192 2025-10-20 180.84 514.51 695.36 36019.71
193 2025-11-20 178.3 517.06 695.36 35502.65
194 2025-12-20 175.74 519.62 695.36 34983.03
195 2026-1-20 173.17 522.19 695.36 34460.84
196 2026-2-20 170.58 524.78 695.36 33936.07
197 2026-3-20 167.98 527.37 695.36 33408.69
198 2026-4-20 165.37 529.98 695.36 32878.71
199 2026-5-20 162.75 532.61 695.36 32346.1
200 2026-6-20 160.11 535.24 695.36 31810.86
201 2026-7-20 157.46 537.89 695.36 31272.96
202 2026-8-20 154.8 540.56 695.36 30732.41
203 2026-9-20 152.13 543.23 695.36 30189.17
204 2026-10-20 149.44 545.92 695.36 29643.25
205 2026-11-20 146.73 548.62 695.36 29094.63
206 2026-12-20 144.02 551.34 695.36 28543.29
207 2027-1-20 141.29 554.07 695.36 27989.22
208 2027-2-20 138.55 556.81 695.36 27432.41
209 2027-3-20 135.79 559.57 695.36 26872.84
210 2027-4-20 133.02 562.34 695.36 26310.51
211 2027-5-20 130.24 565.12 695.36 25745.39
212 2027-6-20 127.44 567.92 695.36 25177.47
213 2027-7-20 124.63 570.73 695.36 24606.74
214 2027-8-20 121.8 573.55 695.36 24033.19
215 2027-9-20 118.96 576.39 695.36 23456.79
216 2027-10-20 116.11 579.25 695.36 22877.55
217 2027-11-20 113.24 582.11 695.36 22295.43
218 2027-12-20 110.36 585 695.36 21710.44
219 2028-1-20 107.47 587.89 695.36 21122.55
220 2028-2-20 104.56 590.8 695.36 20531.75
221 2028-3-20 101.63 593.73 695.36 19938.02
222 2028-4-20 98.69 596.66 695.36 19341.36
223 2028-5-20 95.74 599.62 695.36 18741.74
224 2028-6-20 92.77 602.59 695.36 18139.15
225 2028-7-20 89.79 605.57 695.36 17533.58
226 2028-8-20 86.79 608.57 695.36 16925.02
227 2028-9-20 83.78 611.58 695.36 16313.44
228 2028-10-20 80.75 614.61 695.36 15698.83
229 2028-11-20 77.71 617.65 695.36 15081.18
230 2028-12-20 74.65 620.71 695.36 14460.48
231 2029-1-20 71.58 623.78 695.36 13836.7
232 2029-2-20 68.49 626.87 695.36 13209.83
233 2029-3-20 65.39 629.97 695.36 12579.87
234 2029-4-20 62.27 633.09 695.36 11946.78
235 2029-5-20 59.14 636.22 695.36 11310.56
236 2029-6-20 55.99 639.37 695.36 10671.19
237 2029-7-20 52.82 642.54 695.36 10028.65
238 2029-8-20 49.64 645.72 695.36 9382.94
239 2029-9-20 46.45 648.91 695.36 8734.03
240 2029-10-20 43.23 652.12 695.36 8081.9
241 2029-11-20 40.01 655.35 695.36 7426.55
242 2029-12-20 36.76 658.6 695.36 6767.95
243 2030-1-20 33.5 661.86 695.36 6106.1
244 2030-2-20 30.23 665.13 695.36 5440.96
245 2030-3-20 26.93 668.42 695.36 4772.54
246 2030-4-20 23.62 671.73 695.36 4100.81
247 2030-5-20 20.3 675.06 695.36 3425.75
248 2030-6-20 16.96 678.4 695.36 2747.35
249 2030-7-20 13.6 681.76 695.36 2065.59
250 2030-8-20 10.22 685.13 695.36 1380.46
251 2030-9-20 6.83 688.52 695.36 691.93
252 2030-10-20 3.43 691.93 695.36 0
合计 75230.09 100000 175230.09