1、住房按揭一次性还款方式2018/12/15 一次性还款 第 1 页，共 12 页公式：还本付息额 = P(1+d/360I)一次还款法 单位：元P n oio At Bt Ct v H贷款本金 还款期数 每期利息 第t期还款额 第t期偿还本金数 第t期利息 还款年数 合计100000 12 5580 1 105580月利率 0.00465 年利率 5.58% 还款年限 1 本金 100000注明:蓝色为变量第 2 页，共 12 页等额还款法 单位：元还本付息额 =Pi(1+.i)n(1+.i)nP n oio At Bt Ct V贷款本金 还款期数 每期利息第t 期还款额第t 期偿还本金 第
2、t 期 利息 还款年数月利率 0.00464 年利率 5.57% 还款年限 30 本金 382000还款期数 月还款额其中 累计归还 未还本金利息 占比 本金 占比1 2185.16 1772.32 81.11% 412.84 18.89% 2185.16 381587.162 2185.16 1770.41 81.02% 414.75 18.98% 4370.32 381172.413 2185.16 1768.48 80.93% 416.68 19.07% 6555.48 380755.734 2185.16 1766.55 80.84% 418.61 19.16% 8740.64 380
3、337.125 2185.16 1764.61 80.75% 420.55 19.25% 10925.80 379916.566 2185.16 1762.65 80.66% 422.50 19.34% 13110.96 379494.067 2185.16 1760.69 80.58% 424.47 19.42% 15296.12 379069.598 2185.16 1758.72 80.48% 426.43 19.52% 17481.28 378643.169 2185.16 1756.75 80.39% 428.41 19.61% 19666.44 378214.7510 2185.1
4、6 1754.76 80.30% 430.40 19.70% 21851.59 377784.3511 2185.16 1752.76 80.21% 432.40 19.79% 24036.75 377351.9512 2185.16 1750.76 80.12% 434.40 19.88% 26221.91 376917.5413 2185.16 1748.74 80.03% 436.42 19.97% 28407.07 376481.1314 2185.16 1746.72 79.94% 438.44 20.06% 30592.23 376042.6815 2185.16 1744.68
5、79.84% 440.48 20.16% 32777.39 375602.2016 2185.16 1742.64 79.75% 442.52 20.25% 34962.55 375159.6817 2185.16 1740.58 79.65% 444.57 20.35% 37147.71 374715.1118 2185.16 1738.52 79.56% 446.64 20.44% 39332.87 374268.4719 2185.16 1736.45 79.47% 448.71 20.53% 41518.03 373819.7620 2185.16 1734.37 79.37% 450
6、.79 20.63% 43703.19 373368.9721 2185.16 1732.28 79.27% 452.88 20.73% 45888.35 372916.0922 2185.16 1730.18 79.18% 454.98 20.82% 48073.51 372461.1023 2185.16 1728.06 79.08% 457.10 20.92% 50258.67 372004.0124 2185.16 1725.94 78.98% 459.22 21.02% 52443.83 371544.7925 2185.16 1723.81 78.89% 461.35 21.11%
7、 54628.99 371083.4426 2185.16 1721.67 78.79% 463.49 21.21% 56814.15 370619.9627 2185.16 1719.52 78.69% 465.64 21.31% 58999.31 370154.3228 2185.16 1717.36 78.59% 467.80 21.41% 61184.46 369686.5229 2185.16 1715.19 78.49% 469.97 21.51% 63369.62 369216.5530 2185.16 1713.01 78.39% 472.15 21.61% 65554.78
8、368744.4131 2185.16 1710.82 78.29% 474.34 21.71% 67739.94 368270.0732 2185.16 1708.62 78.19% 476.54 21.81% 69925.10 367793.5333 2185.16 1706.41 78.09% 478.75 21.91% 72110.26 367314.7834 2185.16 1704.19 77.99% 480.97 22.01% 74295.42 366833.80第 3 页，共 12 页月利率 0.00464 年利率 5.57% 还款年限 30 本金 382000还款期数 月还款
9、额其中 累计归还 未还本金利息 占比 本金 占比35 2185.16 1701.96 77.89% 483.20 22.11% 76480.58 366350.6036 2185.16 1699.71 77.78% 485.45 22.22% 78665.74 365865.1537 2185.16 1697.46 77.68% 487.70 22.32% 80850.90 365377.4638 2185.16 1695.20 77.58% 489.96 22.42% 83036.06 364887.5039 2185.16 1692.93 77.47% 492.23 22.53% 8522
10、1.22 364395.2640 2185.16 1690.64 77.37% 494.52 22.63% 87406.38 363900.7541 2185.16 1688.35 77.26% 496.81 22.74% 89591.54 363403.9342 2185.16 1686.04 77.16% 499.12 22.84% 91776.70 362904.8243 2185.16 1683.73 77.05% 501.43 22.95% 93961.86 362403.3944 2185.16 1681.40 76.95% 503.76 23.05% 96147.02 36189
11、9.6345 2185.16 1679.06 76.84% 506.10 23.16% 98332.18 361393.5346 2185.16 1676.72 76.73% 508.44 23.27% 100517.33 360885.0947 2185.16 1674.36 76.62% 510.80 23.38% 102702.49 360374.2848 2185.16 1671.99 76.52% 513.17 23.48% 104887.65 359861.1149 2185.16 1669.61 76.41% 515.55 23.59% 107072.81 359345.5650
12、 2185.16 1667.21 76.30% 517.95 23.70% 109257.97 358827.6151 2185.16 1664.81 76.19% 520.35 23.81% 111443.13 358307.2652 2185.16 1662.40 76.08% 522.76 23.92% 113628.29 357784.5053 2185.16 1659.97 75.97% 525.19 24.03% 115813.45 357259.3154 2185.16 1657.53 75.85% 527.63 24.15% 117998.61 356731.6955 2185
13、.16 1655.09 75.74% 530.07 24.26% 120183.77 356201.6156 2185.16 1652.63 75.63% 532.53 24.37% 122368.93 355669.0857 2185.16 1650.16 75.52% 535.00 24.48% 124554.09 355134.0858 2185.16 1647.67 75.40% 537.49 24.60% 126739.25 354596.5959 2185.16 1645.18 75.29% 539.98 24.71% 128924.41 354056.6160 2185.16 1
14、642.68 75.17% 542.48 24.83% 131109.57 353514.1361 2185.16 1640.16 75.06% 545.00 24.94% 133294.73 352969.1362 2185.16 1637.63 74.94% 547.53 25.06% 135479.89 352421.6063 2185.16 1635.09 74.83% 550.07 25.17% 137665.05 351871.5364 2185.16 1632.54 74.71% 552.62 25.29% 139850.21 351318.9165 2185.16 1629.9
15、7 74.59% 555.19 25.41% 142035.36 350763.7266 2185.16 1627.40 74.48% 557.76 25.52% 144220.52 350205.9667 2185.16 1624.81 74.36% 560.35 25.64% 146405.68 349645.6168 2185.16 1622.21 74.24% 562.95 25.76% 148590.84 349082.6669 2185.16 1619.60 74.12% 565.56 25.88% 150776.00 348517.1070 2185.16 1616.97 74.
16、00% 568.19 26.00% 152961.16 347948.9171 2185.16 1614.34 73.88% 570.82 26.12% 155146.32 347378.0972 2185.16 1611.69 73.76% 573.47 26.24% 157331.48 346804.6273 2185.16 1609.03 73.63% 576.13 26.37% 159516.64 346228.4974 2185.16 1606.36 73.51% 578.80 26.49% 161701.80 345649.6975 2185.16 1603.67 73.39% 5
17、81.49 26.61% 163886.96 345068.2076 2185.16 1600.97 73.27% 584.19 26.73% 166072.12 344484.01第 4 页，共 12 页月利率 0.00464 年利率 5.57% 还款年限 30 本金 382000还款期数 月还款额其中 累计归还 未还本金利息 占比 本金 占比77 2185.16 1598.26 73.14% 586.90 26.86% 168257.28 343897.1178 2185.16 1595.54 73.02% 589.62 26.98% 170442.44 343307.4979 2185.
18、16 1592.80 72.89% 592.36 27.11% 172627.60 342715.1480 2185.16 1590.06 72.77% 595.10 27.23% 174812.76 342120.0381 2185.16 1587.29 72.64% 597.87 27.36% 176997.92 341522.1782 2185.16 1584.52 72.51% 600.64 27.49% 179183.08 340921.5383 2185.16 1581.73 72.39% 603.43 27.61% 181368.23 340318.1084 2185.16 15
19、78.93 72.26% 606.23 27.74% 183553.39 339711.8885 2185.16 1576.12 72.13% 609.04 27.87% 185738.55 339102.8486 2185.16 1573.30 72.00% 611.86 28.00% 187923.71 338490.9887 2185.16 1570.46 71.87% 614.70 28.13% 190108.87 337876.2788 2185.16 1567.61 71.74% 617.55 28.26% 192294.03 337258.7289 2185.16 1564.74
20、 71.61% 620.42 28.39% 194479.19 336638.3090 2185.16 1561.86 71.48% 623.30 28.52% 196664.35 336015.0091 2185.16 1558.97 71.34% 626.19 28.66% 198849.51 335388.8192 2185.16 1556.06 71.21% 629.10 28.79% 201034.67 334759.7293 2185.16 1553.15 71.08% 632.01 28.92% 203219.83 334127.7094 2185.16 1550.21 70.9
21、4% 634.95 29.06% 205404.99 333492.7695 2185.16 1547.27 70.81% 637.89 29.19% 207590.15 332854.8796 2185.16 1544.31 70.67% 640.85 29.33% 209775.31 332214.0197 2185.16 1541.33 70.54% 643.82 29.46% 211960.47 331570.1998 2185.16 1538.35 70.40% 646.81 29.60% 214145.63 330923.3899 2185.16 1535.35 70.26% 64
22、9.81 29.74% 216330.79 330273.56100 2185.16 1532.33 70.12% 652.83 29.88% 218515.95 329620.74101 2185.16 1529.30 69.99% 655.86 30.01% 220701.11 328964.88102 2185.16 1526.26 69.85% 658.90 30.15% 222886.26 328305.98103 2185.16 1523.20 69.71% 661.96 30.29% 225071.42 327644.02104 2185.16 1520.13 69.57% 66
23、5.03 30.43% 227256.58 326979.00105 2185.16 1517.05 69.42% 668.11 30.58% 229441.74 326310.88106 2185.16 1513.95 69.28% 671.21 30.72% 231626.90 325639.67107 2185.16 1510.83 69.14% 674.33 30.86% 233812.06 324965.34108 2185.16 1507.70 69.00% 677.46 31.00% 235997.22 324287.89109 2185.16 1504.56 68.85% 68
24、0.60 31.15% 238182.38 323607.29110 2185.16 1501.40 68.71% 683.76 31.29% 240367.54 322923.53111 2185.16 1498.23 68.56% 686.93 31.44% 242552.70 322236.60112 2185.16 1495.04 68.42% 690.12 31.58% 244737.86 321546.49113 2185.16 1491.84 68.27% 693.32 31.73% 246923.02 320853.17114 2185.16 1488.63 68.12% 69
25、6.53 31.88% 249108.18 320156.64115 2185.16 1485.39 67.98% 699.77 32.02% 251293.34 319456.87116 2185.16 1482.15 67.83% 703.01 32.17% 253478.50 318753.86117 2185.16 1478.89 67.68% 706.27 32.32% 255663.66 318047.58118 2185.16 1475.61 67.53% 709.55 32.47% 257848.82 317338.03第 5 页，共 12 页月利率 0.00464 年利率 5
26、.57% 还款年限 30 本金 382000还款期数 月还款额其中 累计归还 未还本金利息 占比 本金 占比119 2185.16 1472.32 67.38% 712.84 32.62% 260033.98 316625.19120 2185.16 1469.01 67.23% 716.15 32.77% 262219.13 315909.04121 2185.16 1465.69 67.07% 719.47 32.93% 264404.29 315189.56122 2185.16 1462.35 66.92% 722.81 33.08% 266589.45 314466.75123 21
27、85.16 1458.99 66.77% 726.16 33.23% 268774.61 313740.59124 2185.16 1455.63 66.61% 729.53 33.39% 270959.77 313011.05125 2185.16 1452.24 66.46% 732.92 33.54% 273144.93 312278.14126 2185.16 1448.84 66.30% 736.32 33.70% 275330.09 311541.82127 2185.16 1445.42 66.15% 739.74 33.85% 277515.25 310802.08128 21
28、85.16 1441.99 65.99% 743.17 34.01% 279700.41 310058.91129 2185.16 1438.54 65.83% 746.62 34.17% 281885.57 309312.30130 2185.16 1435.08 65.67% 750.08 34.33% 284070.73 308562.22131 2185.16 1431.60 65.51% 753.56 34.49% 286255.89 307808.66132 2185.16 1428.10 65.35% 757.06 34.65% 288441.05 307051.61133 21
29、85.16 1424.59 65.19% 760.57 34.81% 290626.21 306291.04134 2185.16 1421.06 65.03% 764.10 34.97% 292811.37 305526.94135 2185.16 1417.52 64.87% 767.64 35.13% 294996.53 304759.30136 2185.16 1413.96 64.71% 771.20 35.29% 297181.69 303988.10137 2185.16 1410.38 64.54% 774.78 35.46% 299366.85 303213.31138 21
30、85.16 1406.78 64.38% 778.38 35.62% 301552.00 302434.94139 2185.16 1403.17 64.21% 781.99 35.79% 303737.16 301652.95140 2185.16 1399.54 64.05% 785.62 35.95% 305922.32 300867.34141 2185.16 1395.90 63.88% 789.26 36.12% 308107.48 300078.07142 2185.16 1392.24 63.71% 792.92 36.29% 310292.64 299285.15143 21
31、85.16 1388.56 63.54% 796.60 36.46% 312477.80 298488.55144 2185.16 1384.86 63.38% 800.30 36.62% 314662.96 297688.25145 2185.16 1381.15 63.21% 804.01 36.79% 316848.12 296884.24146 2185.16 1377.42 63.04% 807.74 36.96% 319033.28 296076.50147 2185.16 1373.67 62.86% 811.49 37.14% 321218.44 295265.02148 21
32、85.16 1369.91 62.69% 815.25 37.31% 323403.60 294449.76149 2185.16 1366.12 62.52% 819.04 37.48% 325588.76 293630.73150 2185.16 1362.32 62.34% 822.84 37.66% 327773.92 292807.89151 2185.16 1358.51 62.17% 826.65 37.83% 329959.08 291981.24152 2185.16 1354.67 61.99% 830.49 38.01% 332144.24 291150.75153 21
33、85.16 1350.82 61.82% 834.34 38.18% 334329.40 290316.41154 2185.16 1346.95 61.64% 838.21 38.36% 336514.56 289478.20155 2185.16 1343.06 61.46% 842.10 38.54% 338699.72 288636.10156 2185.16 1339.15 61.28% 846.01 38.72% 340884.88 287790.09157 2185.16 1335.23 61.10% 849.93 38.90% 343070.03 286940.16158 21
34、85.16 1331.28 60.92% 853.88 39.08% 345255.19 286086.28159 2185.16 1327.32 60.74% 857.84 39.26% 347440.35 285228.44160 2185.16 1323.34 60.56% 861.82 39.44% 349625.51 284366.62第 6 页，共 12 页月利率 0.00464 年利率 5.57% 还款年限 30 本金 382000还款期数 月还款额其中 累计归还 未还本金利息 占比 本金 占比161 2185.16 1319.34 60.38% 865.82 39.62% 35
35、1810.67 283500.81162 2185.16 1315.33 60.19% 869.83 39.81% 353995.83 282630.97163 2185.16 1311.29 60.01% 873.87 39.99% 356180.99 281757.10164 2185.16 1307.24 59.82% 877.92 40.18% 358366.15 280879.18165 2185.16 1303.16 59.64% 882.00 40.36% 360551.31 279997.18166 2185.16 1299.07 59.45% 886.09 40.55% 36
36、2736.47 279111.09167 2185.16 1294.96 59.26% 890.20 40.74% 364921.63 278220.89168 2185.16 1290.83 59.07% 894.33 40.93% 367106.79 277326.56169 2185.16 1286.68 58.88% 898.48 41.12% 369291.95 276428.08170 2185.16 1282.51 58.69% 902.65 41.31% 371477.11 275525.43171 2185.16 1278.32 58.50% 906.84 41.50% 37
37、3662.27 274618.60172 2185.16 1274.12 58.31% 911.04 41.69% 375847.43 273707.55173 2185.16 1269.89 58.11% 915.27 41.89% 378032.59 272792.28174 2185.16 1265.64 57.92% 919.52 42.08% 380217.75 271872.77175 2185.16 1261.38 57.72% 923.78 42.28% 382402.90 270948.98176 2185.16 1257.09 57.53% 928.07 42.47% 38
38、4588.06 270020.91177 2185.16 1252.78 57.33% 932.37 42.67% 386773.22 269088.54178 2185.16 1248.46 57.13% 936.70 42.87% 388958.38 268151.84179 2185.16 1244.11 56.93% 941.05 43.07% 391143.54 267210.79180 2185.16 1239.75 56.73% 945.41 43.27% 393328.70 266265.38181 2185.16 1235.36 56.53% 949.80 43.47% 39
39、5513.86 265315.58182 2185.16 1230.95 56.33% 954.21 43.67% 397699.02 264361.37183 2185.16 1226.53 56.13% 958.63 43.87% 399884.18 263402.74184 2185.16 1222.08 55.93% 963.08 44.07% 402069.34 262439.66185 2185.16 1217.61 55.72% 967.55 44.28% 404254.50 261472.11186 2185.16 1213.12 55.52% 972.04 44.48% 40
40、6439.66 260500.07187 2185.16 1208.61 55.31% 976.55 44.69% 408624.82 259523.53188 2185.16 1204.08 55.10% 981.08 44.90% 410809.98 258542.45189 2185.16 1199.53 54.89% 985.63 45.11% 412995.14 257556.82190 2185.16 1194.96 54.69% 990.20 45.31% 415180.30 256566.61191 2185.16 1190.36 54.47% 994.80 45.53% 41
41、7365.46 255571.82192 2185.16 1185.75 54.26% 999.41 45.74% 419550.62 254572.40193 2185.16 1181.11 54.05% 1004.05 45.95% 421735.77 253568.36194 2185.16 1176.45 53.84% 1008.71 46.16% 423920.93 252559.65195 2185.16 1171.77 53.62% 1013.39 46.38% 426106.09 251546.26196 2185.16 1167.07 53.41% 1018.09 46.59
42、% 428291.25 250528.17197 2185.16 1162.35 53.19% 1022.81 46.81% 430476.41 249505.36198 2185.16 1157.60 52.98% 1027.56 47.02% 432661.57 248477.80199 2185.16 1152.83 52.76% 1032.33 47.24% 434846.73 247445.47200 2185.16 1148.04 52.54% 1037.12 47.46% 437031.89 246408.36201 2185.16 1143.23 52.32% 1041.93
43、47.68% 439217.05 245366.43202 2185.16 1138.40 52.10% 1046.76 47.90% 441402.21 244319.67第 7 页，共 12 页月利率 0.00464 年利率 5.57% 还款年限 30 本金 382000还款期数 月还款额其中 累计归还 未还本金利息 占比 本金 占比203 2185.16 1133.54 51.87% 1051.62 48.13% 443587.37 243268.05204 2185.16 1128.66 51.65% 1056.50 48.35% 445772.53 242211.55205 2185
44、.16 1123.76 51.43% 1061.40 48.57% 447957.69 241150.15206 2185.16 1118.84 51.20% 1066.32 48.80% 450142.85 240083.83207 2185.16 1113.89 50.98% 1071.27 49.02% 452328.01 239012.56208 2185.16 1108.92 50.75% 1076.24 49.25% 454513.17 237936.32209 2185.16 1103.93 50.52% 1081.23 49.48% 456698.33 236855.09210
45、 2185.16 1098.91 50.29% 1086.25 49.71% 458883.49 235768.83211 2185.16 1093.87 50.06% 1091.29 49.94% 461068.65 234677.54212 2185.16 1088.81 49.83% 1096.35 50.17% 463253.80 233581.19213 2185.16 1083.72 49.59% 1101.44 50.41% 465438.96 232479.75214 2185.16 1078.61 49.36% 1106.55 50.64% 467624.12 231373.
46、20215 2185.16 1073.48 49.13% 1111.68 50.87% 469809.28 230261.52216 2185.16 1068.32 48.89% 1116.84 51.11% 471994.44 229144.67217 2185.16 1063.14 48.65% 1122.02 51.35% 474179.60 228022.65218 2185.16 1057.93 48.41% 1127.23 51.59% 476364.76 226895.42219 2185.16 1052.70 48.17% 1132.46 51.83% 478549.92 22
47、5762.96220 2185.16 1047.45 47.93% 1137.71 52.07% 480735.08 224625.25221 2185.16 1042.17 47.69% 1142.99 52.31% 482920.24 223482.26222 2185.16 1036.86 47.45% 1148.29 52.55% 485105.40 222333.96223 2185.16 1031.54 47.21% 1153.62 52.79% 487290.56 221180.34224 2185.16 1026.18 46.96% 1158.97 53.04% 489475.
48、72 220021.36225 2185.16 1020.81 46.72% 1164.35 53.28% 491660.88 218857.01226 2185.16 1015.41 46.47% 1169.75 53.53% 493846.04 217687.26227 2185.16 1009.98 46.22% 1175.18 53.78% 496031.20 216512.08228 2185.16 1004.53 45.97% 1180.63 54.03% 498216.36 215331.44229 2185.16 999.05 45.72% 1186.11 54.28% 500
49、401.52 214145.33230 2185.16 993.55 45.47% 1191.61 54.53% 502586.67 212953.72231 2185.16 988.02 45.21% 1197.14 54.79% 504771.83 211756.58232 2185.16 982.46 44.96% 1202.70 55.04% 506956.99 210553.88233 2185.16 976.88 44.71% 1208.28 55.29% 509142.15 209345.60234 2185.16 971.28 44.45% 1213.88 55.55% 511327.31 208131.72235 2185.16 965.64 44.19% 1219.52 55.81% 513512.47 206912.20236 2185.16 959.99 43.93% 1225.17 56.07% 515697.63 205687.03237 2185.16 954.30 43.67% 1230.86 56.33% 517882.79 204456.17238 2185.16 948.59 43.41% 1236.57 56.59% 520067.95 203219.60239 2185.16 942.85 43.15%
