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装修贷款的费用利息如何计算

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装修贷款的费用利息如何计算

浏览：45次 | 提问时间： 09-04 03:16

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2个答案

狐狸不骚何来妖 09-04 03:17

1.等额本息贷款计算每月还款金额(简称每月本息)

恨 09-04 03:25

[贷款本金X月利率×(1+月利率)^还款月数]/[(1+月利率)^还款月数-1]此公式采用的是复合方法计算利息,即本金和利息都要产生利息--“利滚利”,相对于等额本金计算,支出的利息较多,还款初期利息占每月供款的大部分,随本金逐渐返还供款中本金比重增加,但每月月的还款额是固定的。比较适合用于现期收入少,预期收入将稳定或增加的借款人,或预算清晰的人士

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