个人住房贷款还款方式对比表2008.12.23(上浮10％)

贷款年限

贷款月数

年利率%

月利率 ‰ 

月均还款法

等额本金还款法

两者差额

每月还款金额

贷款总利息

首月还款金额

贷款总利息

2

24

5.94

4.95

442.94

630.46

466.17

618.75

11.71

3

36

5.94

4.95

303.95

942.11

327.28

915.75

26.36

4

48

6.336

5.28

236.39

1346.91

261.13

1293.60

53.31

5

60

6.336

5.28

194.89

1693.65

219.47

1610.40

83.25

6

72

6.534

5.445

168.26

2114.81

193.34

1987.43

127.38

7

84

6.534

5.445

148.66

2487.36

173.50

2314.13

173.23

8

96

6.534

5.445

134.03

2866.86

158.62

2640.83

226.03

9

108

6.534

5.445

122.72

3253.26

147.04

2967.53

285.74

10

120

6.534

5.445

113.72

3646.53

137.78

3294.23

352.30

11

132

6.534

5.445

106.41

4046.59

130.21

3620.93

425.66

12

144

6.534

5.445

100.37

4453.40

123.89

3947.63

505.77

13

156

6.534

5.445

95.30

4866.88

118.55

4274.33

592.56

14

168

6.534

5.445

90.99

5286.97

113.97

4601.03

685.95

15

180

6.534

5.445

87.30

5713.60

110.01

4927.73

785.87

16

192

6.534

5.445

84.10

6146.68

106.53

5254.43

892.25

17

204

6.534

5.445

81.30

6586.13

103.47

5581.13

1005.00

18

216

6.534

5.445

78.85

7031.86

100.75

5907.83

1124.04

19

228

6.534

5.445

76.68

7483.80

98.31

6234.53

1249.27

20

240

6.534

5.445

74.76

7941.83

96.12

6561.23

1380.60

21

252

6.534

5.445

73.04

8405.86

94.13

6887.93

1517.94

22

264

6.534

5.445

71.50

8875.80

92.33

7214.63

1661.18

23

276

6.534

5.445

70.11

9351.54

90.68

7541.33

1810.22

24

288

6.534

5.445

68.86

9832.98

89.17

7868.03

1964.95

25

300

6.534

5.445

67.73

10320.00

87.78

8194.73

2125.27

26

312

6.534

5.445

66.71

10812.50

86.50

8521.43

2291.07

27

324

6.534

5.445

65.77

11310.36

85.31

8848.13

2462.23

28

336

6.534

5.445

64.92

11813.47

84.21

9174.83

2638.65

29

348

6.534

5.445

64.14

12321.73

83.19

9501.53

2820.20

30

360

6.534

5.445

63.43

12835.00

82.23

9828.23

3006.78