个人住房贷款问题，贷款15万．二十年，等额本金还款，每月还多少？？5年以后一次还清，要还多少？？？？ 房贷15万十年还清，等额本金和等额本息分别还多少
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3\u3001\u8fd8\u8d37\u65b9\u6cd5\u4e0d\u540c\uff1a
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\u540c\u65f6\uff0c\u6211\u4eec\u53ef\u4ee5\u770b\u51fa\u6765\u5728\u524d\u516b\u5e74\u4e2d\uff0c\u7b49\u989d\u672c\u91d1\u8fd8\u6b3e\u603b\u989d\u66f4\u9ad8\uff0c\u5229\u606f\u5c11\u4e00\u4e9b\uff0c\u4f46\u662f\u6708\u4f9b\u538b\u529b\u4f1a\u66f4\u5927\uff0c\u8fd9\u6bb5\u65f6\u95f4\u4e5f\u51e0\u4e4e\u611f\u53d7\u4e0d\u5230\u5229\u606f\u5c11\u7684\u597d\u5904\u3002\u56e0\u6b64\u7b49\u989d\u672c\u606f\u8bf4\u767d\u4e86\u5c31\u662f\u7528\u66f4\u591a\u7684\u5229\u606f\u6765\u6362\u53d6\u66f4\u5c0f\u7684\u8fd8\u6b3e\u538b\u529b\uff0c\u5bf9\u4e8e\u9996\u4ed8\u8d44\u91d1\u8f83\u5c11\u7684\u4eba\u7fa4\u6765\u8bf4\uff0c\u7b49\u989d\u672c\u606f\u7684\u8fd8\u6b3e\u65b9\u5f0f\u80fd\u591f\u652f\u6301\u66f4\u5927\u603b\u989d\u7684\u8d37\u6b3e\uff0c\u800c\u5bf9\u4e8e\u5e26\u6709\u6295\u8d44\u76ee\u7684\u548c\u9996\u4ed8\u6bd4\u4f8b\u6bd4\u8f83\u9ad8\u7684\u8d2d\u623f\u8005\u6765\u8bf4\u7b49\u989d\u672c\u91d1\u4f1a\u66f4\u52a0\u5408\u7b97\u3002
累计本金 150,000.00
累计利息 102,513.60
累计本息 252,513.60
等额本金还款每月本金相同，为625，还款额成递减方式，第2至5期分别为1,471.96
1,468.41
1,464.87
1,461.33
5年后本金还剩625*180=112500
不过国家基准利率马上又会上调了，浮动利率是会跟着调的
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