住房公积金还款的利率问题?
我用住房公积金贷了10W,十年还期,每月还本息是不是这样算的??第一年连本带息还了1万多,第二年本金只有9万,可是还要还1万多,第三年只有8万本金,还要还一万多,这样算,每年的本金在减少,可是还款却没有减少,总的利息不止3万这样算来那十年的利息就是按算复利来算的?请问;这方面的内行是这样吗?有那种还款的方法对我们贷款人有利呢?谢谢
采纳答案
等额本息 偿还本息(元)偿还利息(元)偿还本金(元)剩余本金(元) 11036.38375661.3899338.62 21036.38372.52663.8698674.75 31036.38370.03666.3598008.4 41036.38367.53668.8597339.55 51036.38365.02671.3696668.18 61036.38362.51673.8795994.31 71036.38359.98676.495317.9 81036.38357.44678.9494638.96 91036.38354.9681.4893957.47 101036.38352.34684.0493273.43 111036.38349.78686.692586.82 121036.38347.2689.1891897.63 131036.38344.62691.7691205.87 141036.38342.02694.3690511.5 151036.38339.42696.9689814.54 161036.38336.8699.5889114.96 171036.38334.18702.288412.76 181036.38331.55704.8387707.92 191036.38328.9707.4887000.44 201036.38326.25710.1386290.31 211036.38323.59712.7985577.51 221036.38320.92715.4684862.04 231036.38318.23718.1584143.89 241036.38315.54720.8483423.05 251036.38312.84723.5482699.5 261036.38310.12726.2681973.24 271036.38307.4728.9881244.26 281036.38304.67731.7180512.54 291036.38301.92734.4679778.08 301036.38299.17737.2179040.86 311036.38296.4739.9878300.88 321036.38293.63742.7577558.12 331036.38290.84745.5476812.58 341036.38288.05748.3376064.24 351036.38285.24751.1475313.1 361036.38282.42753.9674559.14 371036.38279.6756.7873802.35 381036.38276.76759.6273042.73 391036.38273.91762.4772280.25 401036.38271.05765.3371514.92 411036.38268.18768.270746.72 421036.38265.3771.0869975.63 431036.38262.41773.9769201.66 441036.38259.51776.8768424.78 451036.38256.59779.7967644.99 461036.38253.67782.7166862.27 471036.38250.73785.6566076.62 481036.38247.79788.5965288.03 491036.38244.83791.5564496.47 501036.38241.86794.5263701.95 511036.38238.88797.562904.45 521036.38235.89800.4962103.96 531036.38232.89803.4961300.46 541036.38229.88806.560493.96 551036.38226.85809.5359684.42 561036.38223.82812.5658871.86 571036.38220.77815.6158056.24 581036.38217.71818.6757237.57 591036.38214.64821.7456415.83 601036.38211.56824.8255591 611036.38208.47827.9154763.08 621036.38205.36831.0253932.06 631036.38202.25834.1353097.92 641036.38199.12837.2652260.65 651036.38195.98840.451420.25 661036.38192.83843.5550576.69 671036.38189.66846.7249729.97 681036.38186.49849.8948880.07 691036.38183.3853.0848026.99 701036.38180.1856.2847170.7 711036.38176.89859.4946311.21 721036.38173.67862.7145448.49 731036.38170.43865.9544582.54 741036.38167.18869.243713.34 751036.38163.93872.4542840.88 761036.38160.65875.7341965.15 771036.38157.37879.0141086.14 781036.38154.07882.3140203.83 791036.38150.76885.6239318.21 801036.38147.44888.9438429.27 811036.38144.11892.2737536.99 821036.38140.76895.6236641.37 831036.38137.41898.9735742.39 841036.38134.03902.3534840.04 851036.38130.65905.7333934.31 861036.38127.25909.1333025.18 871036.38123.84912.5432112.64 881036.38120.42915.9631196.68 891036.38116.99919.3930277.28 901036.38113.54922.8429354.44 911036.38110.08926.328428.13 921036.38106.61929.7727498.35 931036.38103.12933.2626565.09 941036.3899.62936.7625628.32 951036.3896.11940.2724688.04 961036.3892.58943.823744.24 971036.3889.04947.3422796.9 981036.3885.49950.8921846 991036.3881.92954.4620891.54 1001036.3878.34958.0419933.5 1011036.3874.75961.6318971.86 1021036.3871.14965.2418006.63 1031036.3867.52968.8617037.77 1041036.3863.89972.4916065.27 1051036.3860.24976.1415089.13 1061036.3856.58979.814109.33 1071036.3852.91983.4713125.86 1081036.3849.22987.1612138.7 1091036.3845. 一般都是等额本息还,这样每个月都一样,比等额本金总的利息高一点,但这个比较合算
全部6个回答
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了解ta
你好,银行贷款都是这样的,本金少利息多!...公积金的利率是一样的。首套4.5%2套4.9%。利息也是不变的
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了解ta
你说的是等额本息,这样还利息多,
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了解ta
利率是不会变的,首套4.5%,二套上浮10%。
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了解ta
等额本息 偿还本息(元)偿还利息(元)偿还本金(元)剩余本金(元) 11036.38375661.3899338.62 21036.38372.52663.8698674.75 31036.38370.03666.3598008.4 41036.38367.53668.8597339.55 51036.38365.02671.3696668.18 61036.38362.51673.8795994.31 71036.38359.98676.495317.9 81036.38357.44678.9494638.96 91036.38354.9681.4893957.47 101036.38352.34684.0493273.43 111036.38349.78686.692586.82 121036.38347.2689.1891897.63 131036.38344.62691.7691205.87 141036.38342.02694.3690511.5 151036.38339.42696.9689814.54 161036.38336.8699.5889114.96 171036.38334.18702.288412.76 181036.38331.55704.8387707.92 191036.38328.9707.4887000.44 201036.38326.25710.1386290.31 211036.38323.59712.7985577.51 221036.38320.92715.4684862.04 231036.38318.23718.1584143.89 241036.38315.54720.8483423.05 251036.38312.84723.5482699.5 261036.38310.12726.2681973.24 271036.38307.4728.9881244.26 281036.38304.67731.7180512.54 291036.38301.92734.4679778.08 301036.38299.17737.2179040.86 311036.38296.4739.9878300.88 321036.38293.63742.7577558.12 331036.38290.84745.5476812.58 341036.38288.05748.3376064.24 351036.38285.24751.1475313.1 361036.38282.42753.9674559.14 371036.38279.6756.7873802.35 381036.38276.76759.6273042.73 391036.38273.91762.4772280.25 401036.38271.05765.3371514.92 411036.38268.18768.270746.72 421036.38265.3771.0869975.63 431036.38262.41773.9769201.66 441036.38259.51776.8768424.78 451036.38256.59779.7967644.99 461036.38253.67782.7166862.27 471036.38250.73785.6566076.62 481036.38247.79788.5965288.03 491036.38244.83791.5564496.47 501036.38241.86794.5263701.95 511036.38238.88797.562904.45 521036.38235.89800.4962103.96 531036.38232.89803.4961300.46 541036.38229.88806.560493.96 551036.38226.85809.5359684.42 561036.38223.82812.5658871.86 571036.38220.77815.6158056.24 581036.38217.71818.6757237.57 591036.38214.64821.7456415.83 601036.38211.56824.8255591 611036.38208.47827.9154763.08 621036.38205.36831.0253932.06 631036.38202.25834.1353097.92 641036.38199.12837.2652260.65 651036.38195.98840.451420.25 661036.38192.83843.5550576.69 671036.38189.66846.7249729.97 681036.38186.49849.8948880.07 691036.38183.3853.0848026.99 701036.38180.1856.2847170.7 711036.38176.89859.4946311.21 721036.38173.67862.7145448.49 731036.38170.43865.9544582.54 741036.38167.18869.243713.34 751036.38163.93872.4542840.88 761036.38160.65875.7341965.15 771036.38157.37879.0141086.14 781036.38154.07882.3140203.83 791036.38150.76885.6239318.21 801036.38147.44888.9438429.27 811036.38144.11892.2737536.99 821036.38140.76895.6236641.37 831036.38137.41898.9735742.39 841036.38134.03902.3534840.04 851036.38130.65905.7333934.31 861036.38127.25909.1333025.18 871036.38123.84912.5432112.64 881036.38120.42915.9631196.68 891036.38116.99919.3930277.28 901036.38113.54922.8429354.44 911036.38110.08926.328428.13 921036.38106.61929.7727498.35 931036.38103.12933.2626565.09 941036.3899.62936.7625628.32 951036.3896.11940.2724688.04 961036.3892.58943.823744.24 971036.3889.04947.3422796.9 981036.3885.49950.8921846 991036.3881.92954.4620891.54 1001036.3878.34958.0419933.5 1011036.3874.75961.6318971.86 1021036.3871.14965.2418006.63 1031036.3867.52968.8617037.77 1041036.3863.89972.4916065.27 1051036.3860.24976.1415089.13 1061036.3856.58979.814109.33 1071036.3852.91983.4713125.86 1081036.3849.22987.1612138.7 1091036.3845. 一般都是等额本息还,这样每个月都一样,比等额本金总的利息高一点,但这个比较合算
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了解ta
公积金的利率是一样的。首套4.5%2套4.9%。利息也是不变的
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了解ta
你好,银行贷款都是这样的,本金少利息多!
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