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贷款20万15年月供多少钱

贷款20万15年月供多少钱

浏览：86次 | 提问时间： 07-13 06:00

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5个答案

凉世病人鲸屿蔚蓝 07-13 06:00

第1种方式，商业贷款。它的利率是4.90%，比较高，所以你的还款压力也非常大。用20万元乘以4.90%，计算出来的总利息是82,814元。把82,814元跟20万元相加，再除以180个月，就可以得出每个月的月供是1571元。
第2种方式，公积金贷款。它的利率是3.25%，在这种情况下，你需要支付的总利息是52,961元，月供是1405元，选择这一种方式肯定会比较划算。

一患七年 07-13 06:09

如果贷款20万15年还清月供是1560元，这个是根据等额本息计算出来的。并且银行在不同的时机可能会调整一次利率，这个时候就会有一些变化。建议大家还是使用公积金进行贷款如果有公积金，因为公积金的金额会低一些。

贷款越多公积金的作用越明显。如果贷款少公积金相差几百块钱，现在人们买房很多人都是贷款买房。所以说为了还房贷一定要努力奋斗，让自己的生活变得更好。

只是小伤口 07-13 06:17

这个其实是要看实际情况的，第一种情况就是你是使用商业贷款，商业贷款的利率比较的高，贷款15年的利率应该是在5.4%左右，如果按照这个利率进行计算，月供的金额通常要达到2920元。
第二种情况就是使用公积金了，但前提条件是你得满足公积金贷款的条件才行。如果是公积金办理的贷款贷款15年的利率大概只有2.43%，按照这个利率进行计算，月供的金额大概只有1220元。

我是被遗忘者 07-13 06:26

贷款20万，分15年来还，要看你的月供是多少，得知道你选择的是商业贷款还是公积金贷款。
假如现在选择的是公积金贷款，还有两种还款的方式，一种就是等额本金的还款方法，还有一个是等额本息的还款方式。
如果选择第1种，那么总的还款利息就会稍微少一些，一开始还款的资金就多一些，第1个月是1927元，以后会越来越少。如果选择的是等额本息的还款方式，每个月还款金额就是1571元。

我最闪亮 07-13 06:34

贷款总额为20万元，这个数额并不是特别的大，但是如果分15年还清，还款利息还是比较多的，按照等额本息的还款方式，每个月的还款金额大概是1200元左右，那么总的利息已经达到了66,000元左右。
我个人觉得最好还是选择等额本金的还款方式，虽然前期的还款金额达到了2000元到3000元，但是对于大部分人来讲在可承受范围之内，这种还款方式总的还款利息也才只有59,000元。

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贷款20万15年月供多少钱