贷款17万,利率是5.5%期限10年。怎么算每月还款多少啊,能告诉详细的计算方式吗?

2024-12-25 17:36:28
推荐回答(3个)
回答1:

每月1844.95元

公式:等额还款计算公式
每月还本付息金额 = [ 本金 * 月利率 * (1+月利率)^贷款月数 ]
/ [(1+月利率)^还款月数 - 1]
其中:每月利息 = 剩余本金 * 贷款月利率
每月本金 = 每月月供额 – 每月利息
(公式中的^表示N次方)

你的月利率=5.5% /12=0.4583%
贷款月数=120
根据公式:分子=170000*0.004583*1.004583^120
分母=1.004583^120-1
你用计算器算下即可得出你的每月供款为1844.95元

回答2:

公式:等额还款计算公式
每月还本付息金额 = [ 本金 * 月利率 * (1+月利率)贷款月数 ]
/ [(1+月利率)还款月数 - 1]
其中:每月利息 = 剩余本金 * 贷款月利率
每月本金 = 每月月供额 – 每月利息

计算原则:银行从每月月供款中,先收剩余本金利息,后收本金;利息在月供款
中的比例中随剩余本金的减少而降低,本金在月供款中的比例因而升高,但月供
总额保持不变。

按月递减还款计算公式
每月还本付息金额 = (本金 / 还款月数)+ (本金 – 累计已还本金)* 月利率
每月本金 = 总本金 / 还款月数
每月利息 = (本金 – 累计已还本金) * 月利率

计算原则:每月归还的本金额始终不变,利息随剩余本金的减少而减少

回答3:

http://www.daikuanjisuanqi.com/ 根据银行算算即可

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