银行利率是5厘25,若贷18万(15年的本息本金)每月还房贷多少? 现在的房贷利率是多少,首套房贷25万,还15年,每月本金加利...
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10\u5e74\u6bd415\u5e74\u6bcf\u6708\u8fd8\u6b3e\u91d1\u989d\u591a475.5\uff0c\u5229\u606f\u770137317
15\u5e74\u6bd425\u5e74\u6bcf\u6708\u8fd8\u6b3e\u91d1\u989d\u591a351.95\uff0c\u5229\u606f\u770183169
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\u57fa\u51c6\u5229\u7387\uff1a\u6708\u5229\u7387\u4e3a6.55%/12
25\u4e0715\u5e74(180\u4e2a\u6708)\u6708\u8fd8\u6b3e\u989d:
250000*6.55%/12*(1+6.55%/12)^180/[(1+6.55%/12 )^180-1]=2184.65\u5143
\u8bf4\u660e:^180\u4e3a180\u6b21\u65b9
\u4f18\u60e0\u5229\u7387\uff1a\u6708\u5229\u7387\u4e3a6.55%*0.85/12
25\u4e0715\u5e74(180\u4e2a\u6708)\u6708\u8fd8\u6b3e\u989d:
250000*6.55%*0.85/12*(1+6.55%*0.85/12)^180/[(1+6.55%*0.85/12 )^180-1]=2051.67\u5143
\u8bf4\u660e:^180\u4e3a180\u6b21\u65b9
1,等额本息,1447元/月;本息合计:260456元;
2,等额本金,1787.5元首月,每月递减4.38元,本息合计251269元
绛旓細鏈堣繕娆鹃=180000/((1-1/(1+5.25%/12)^(15*12))/(5.25%/12))=1446.98
绛旓細姣忎釜鏈堢殑鍒╂伅鏄900鍏冦傝鏄庯細1. 璐锋閲戦涓18涓锛屾湀鍒╃巼涓5鍘锛岀浉褰撲簬0.05%銆2. 鎸夌収涓ゅ勾杩樻竻鐨勮姹傦紝涓鍏遍渶瑕24涓湀銆3. 姣忎釜鏈堢殑鍒╂伅璁$畻鍏紡涓猴細璐锋閲戦 脳 鏈堝埄鐜 = 180,000 脳 0.0005 = 900鍏冦
绛旓細濡傛灉鎸夌収浜鸿鐨勪竴骞存湡璐锋鍩哄噯鍒╃巼4.35%璁$畻锛屽埄鐜绾7830鍏冿紝鍗180000*4.35%=7830鍏冦傚湪閾惰璐锋18涓囷紝涓骞鐨勫埄鎭澶ф鏈夊灏戯紝杩欎釜鐪嬩綘鍦ㄤ粈涔堥摱琛岃捶娆撅紝姣忓閾惰杩樻槸鏈夊樊寮傜殑銆傛甯哥殑閾惰閮芥槸缁熶竴鍩哄噯璐锋鍒╃巼锛杩欎釜鏄汉姘戦摱琛屽嚭鍙板埗瀹氾紝濡傛灉鎸夌収浜鸿鐨勪竴骞存湡璐锋鍩哄噯鍒╃巼4.35%璁$畻锛屽埄鐜囩害7830鍏冦備笉鍚...
绛旓細鍦閾惰璐锋25涓,5骞磋繕娓,姣忎釜鏈堟湰鎭杩樺灏戦挶姣忎釜閾惰鐨勫埄鎭涓嶄竴鏍凤紝杩欎釜瑕佺湅浣犳湰閲戯紝鍒╂伅锛岃繕鏈夋湡闄愶紝姣忎釜鏈堣繕娆=70000/24锛涘啀鍔犲綋鏈堢殑鍒╂伅銆傚綋鏈堝埄鎭=璐锋浣欓*鏈堝埄鐜囥傝捶娆炬庝箞绠楄繕娆剧殑鏂瑰紡鏈変袱绉嶏紝绛夐鏈伅鍜岀瓑棰濇湰閲戙傜瓑棰濇湰鎭氨鏄瘡涓繕璐锋湡杩樼殑閲戦鏄竴鏍风殑銆傜瓑棰濇湰閲戝氨鏄瘡涓繕璐锋湡杩樼殑鏈噾鏄...
绛旓細涓銆佸伐鍟閾惰鎸夋彮鎴璐25骞18涓姣忎釜鏈堣繕 1銆佺瓑棰濇湰鎭細璐锋鎬婚180,000.00 鍏 杩樻鏈堟暟300 鏈 姣忔湀杩樻1,148.76 鍏 鎬绘敮浠鍒╂伅164,629.33 鍏 鏈伅鍚堣344,629.33 鍏 2銆佺瓑棰濇湰閲戯細璐锋鎬婚180,000.00 鍏 杩樻鏈堟暟300 鏈 棣栨湀杩樻1,485.00 鍏 姣忔湀閫掑噺锛2.95 鍏 鎬绘敮浠樺埄鎭133,192.50 ...
绛旓細锛2锛夊晢涓璐锋锛鏂板彂鏀剧殑璐锋鍒╃巼浠ユ渶杩戜竴鏈熺殑鍚屾湡LPR涓哄熀鍑+閾惰瀹氬熀鐐规墽琛岋紝姣斿2022骞8鏈20鏃5骞村強浠ヤ笂LPR鎶ヤ环鏄430%锛屽亣璁鹃摱琛岀粰鍊熸浜虹‘瀹氱殑鍩虹偣鏄180涓狟P锛屽垯鎴胯捶鍒╃巼鏄430%+18%=61%銆傦紙3锛夌粍鍚堣捶娆撅細涓哄叕绉噾璐锋+鍟嗕笟璐锋鐨勭粍鍚堜綋锛屼笉鍚岄儴鍒嗚捶娆惧埄鐜囧垎鍒寜涓婅堪涓ょ绫诲瀷鎴胯捶鎵ц銆傚彲浠ュ湪鐢宠...
绛旓細姣忔湀鍒╂伅500鍏冿紝涓骞翠笅鏉ュ埄鎭氨鏄6000鍏冦5鍘樺埄閫氬父鏄敤鏉ヨ〃绀烘湀鍒╃巼锛屽嵆璐锋鍒╃巼涓0.5%/鏈堛傚皢鏈堝埄鐜囨崲绠楁垚骞村埄鐜囷紝0.5%*12=6%锛屼篃灏辨槸骞村埄鐜囦负6%銆傚熸10涓囧厓锛鍊熸鏈熼檺涓1骞达紝閭d箞10涓囧厓5鍘鍒╀竴骞鍒╂伅涓100000鍏*6%=6000鍏冿紝杩欐槸涓涓瘮杈冮備腑鐨勮捶娆惧埄鐜囨按骞炽傝繖涓埄鐜囦笉绠楀緢楂樹篃涓嶇畻寰堜綆銆
绛旓細鍊熸18涓,姣忔湀鍒╂伅5000,骞村埄鐜囨槸33 鏈堟伅鏄互鍗冨垎涔嬪嚑璁$畻锛屽勾鎭互鐧惧垎涔嬪嚑锛屽湪姘戦棿鍊熻捶涓紝鏈堟伅涓鑸槸浠モ滃垎鈥濅负鍗曚綅杩涜璁$畻銆傚鏋滄崲鎴閾惰鐨勫勾鎭娉曠殑璇濓紝鈥滃嚑鍒嗗埄鎭濅篃灏辨槸鎴戜滑甯歌鐨勨滅櫨鍒嗕箣鍑犫濓紝涔熷氨鏄锛1鍒=1%锛2鍒=2%锛屾墍浠1.5鍒=1.5%锛屽勾鎭负18%銆傛皯闂村璐峰埄鐜鍙互閫傚綋楂樹簬閾惰...
绛旓細鍒╂伅涓18000鍏冿紱濡傛灉鏄棩鍒╃巼锛300000脳1脳(0.5%脳360)=540000鍏;30涓囧厓锛鏃鍒╃巼涓5鍘橈紝鍒╂伅涓540000鍏 璐锋10涓囷紝鍒╃巼5鍘橈紝涓骞磋澶氬皯鍒╂伅锛熶竴骞寸殑鍒╂伅鏄6000鍏冦傚埄鎭5鍘橀氬父鎸囩殑鏄湀鍒╃巼0.5%锛屾墍浠10涓囦竴鏈堢殑鍒╂伅鏄100000脳0.005=500鍏冦10涓囦竴涓骞寸殑鍒╂伅鏄100000脳0.005脳12=6000鍏冦
绛旓細3鍘樺埄鎭槸澶氬皯锛熶竴骞存槸澶氬皯锛3鍘樹竴鑸兘鏄湀鎭紝涔熷氨鏄熶竴鍏冮挶涓涓湀鐨勫埄鎭槸3鍘樸3鍘樻湀鍒╃巼涓0.3%锛屽鏋滄槸鍊10涓囧潡锛屼竴涓湀鐨勫埄鎭槸10涓*0.3%=300鍏冿紱涓骞寸殑鍒╂伅鏄3600鍏冿紱杩欎釜鍊熸鐨勫埄鎭繕鏄彲浠ョ殑锛屼笉鏄緢楂樸傚叾瀹炶繖鏍风殑鍊熸鍒╃巼鍦2018骞村凡缁忓緢灏戣浜嗐傞氳繃閾惰鍊熸锛屽熸涓骞璐锋鍩哄噯鍒╃巼锛...