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问一下贷款10万元5年还，利息是多少钱，谁有好建议？要注意什么？_其他_设计456问答
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问一下贷款10万元5年还，利息是多少钱，谁有好建议？要注意什么？

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问一下贷款10万元5年还，利息是多少钱，谁有好建议？要注意什么？

浏览：48次 | 提问时间： 07-28 05:52
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6个答案
你如同一个故事 07-28 05:53

题主好，案例分析王先生买了一套总价70万元的房子，首付50%后，贷款额为35万元，贷款期限20年，在其采用等额本息还款法还款6个月后，考量提前还款。此时，他所剩贷款额为335180元，其中所还利息共10117元。从以上数据可以看出，仅半年时间王先生已经支出了1万多元的利息。而通过分别采用以下的5种还款方式计算总利息支出，算出哪种提前还款方式更经济省钱。◆第一种：将所剩贷款一次性还清利息总额

不甘的甘愿 07-28 06:01

提前还贷前的利息额(10117元)◆第二种：部分提前还款，月供不变，缩短还款期限提前还款10万元，仍保持之前的月供水平，即2470元，贷款期限则缩短为10年零6个月，提前还款后的总利息为81000元。利息总额

念你入心怀 07-28 06:10

10117+81000

一个破碎的回忆` 07-28 06:18

91117元◆第三种：部分提前还款，减少月供，还款期限不变提前还款10万元，贷款期限剩余19年6个月，月供减少为1682元，提前还款后总利息为158494元。利息总额

识穿你 07-28 06:26

10117+158494

饮凉薄如画 07-28 06:34

168611◆第四种：部分提前还款，减少月供，缩短还款期限提前还款10万元，月供减少为1960元，还款期限缩短为15年，提前还款后总利息为117804元。利息总额

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