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贷40万20年月供多少钱

贷40万20年月供多少钱

浏览：51次 | 提问时间： 07-13 06:00

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5个答案

殇者离去 07-13 06:01

通过贷款的方式来购买房子是非常常见的一种现象，一般情况下大家都会选择等额本息的方法进行偿还，这个计算方法是要根据银行贷款的利率来计算的。大多数银行在5年以上的贷款利率都会是5.4%，如果需要带40万，用20年的时间来偿还的话，每个月是需要偿还2700多元的。

在这其中每个月的月供里先收本金的利息，最后才会收取本金。所以，想要使用贷款的方式进行房屋购买的话，还要清楚自己每个月的收入。毕竟收入决定了月供是否可以完成。

你不懂 07-13 06:09

如果是第1套房子，那么需要偿还的月供金额是在2900元，要是第2套房子那么需要偿还的金额大概是在3100多元，这两个月供金额都是按照等额本金的方式进行计算的。要是觉得这种还款方式对个人来讲有一定的压力，那么你可以选择等额本息的还款方式，得额本息的还款方式是指每个月需要偿还的金额都是一样的，不存在每个月递减的情况，这种还款方式每一个月需要偿还的金额大概是在2500多元。

有一种桃花叫做多到忧伤 07-13 06:17

如果按照等额本息的算法，每个月大概需要还款2595.82元。这个算法很多银行都会采用，并且有很多银行只会使用这一种算法。还有一种算法是等额本金的算法，每个月会递减十几块钱。

其实这两种方法都也差不多，你就看个人手里资金的情况。如果有公积金可以用公积金进行贷款，每个月还款的金额还要便宜一些。最主要的就是自己在贷款的时候，自己的工资收入是贷款的两倍多，这样在生活中才不会有太大压力。

怪你过分耀眼 07-13 06:25

贷款40万分20年来还，要想计算月供，有两种方法，一种就是按照商业贷款。按照等额本息的还款方法，每个月固定还款是2617元，选择等额本金的还款方式，虽然一开始需要还款3300元，但是最后几个月还款金额只需要1673元，总的利息会少很多。
第2种就是按照公积金贷款，选择等额本息的还款方式，每月固定还款金额是2268元，如果选择等额本金的还款方式，月供是1671~2750元。

憶 07-13 06:34

虽然现在已经规定了银行执行的基准利率是4.9%，但是大部分银行会在这个基础之上提高10%~20%，据我了解现在大部分银行执行到年利率大概已经达到了6.55%左右。
如果按照这个比例来计算，每个月的还款金额大概是2900元左右，当然这个费用是选择等额本息的还款方式，也就是每个月的还款金额是一样的。
如果个人的收入比较高，那么我们也可以选择的本金，前期的月供大概是3800元左右。

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