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更新时间：2017年03月24日您当前的位置：首页 > 资讯 > 购房贷款

等额本息贷款还款注意事项

2017-03-24 14:02 浏览：19 编辑：搜狐焦点网

在房屋抵押贷款普及的今天，房屋抵押贷款已成为大部分工薪阶层最主要的家庭支出。各家银行在还贷方式上推出的产品层出不穷，各种还贷方式令人眼花缭乱，而结合今年央行二度降息如何巧还贷款就更加考验家庭理财者的智慧了。贷款者可根据自己收入状况，巧妙灵活地选择不同的还款方式。

传统的银行贷款还款方式主要是等额本息偿还和等额本金偿还。

等额本息贷款还款是指在还款期内，每月偿还同等数额的贷款(包括本金和利息)。每月还款额计算公式为：[贷款本金×月利率×(1+月利率)^还款月数]÷[(1+月利率)^还款月数-1]

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[ DB ] CONNECT:[ UseTime:0.000306s ] mysql:host=localhost;dbname=fcmslyw;charset=utf8
[ SQL ] SHOW COLUMNS FROM `fang_city` [ RunTime:0.003805s ]
[ SQL ] SELECT * FROM `fang_city` WHERE `status` = 1 AND `domain` = 'xinxing' LIMIT 1 [ RunTime:0.000331s ]
[ SQL ] SHOW COLUMNS FROM `fang_nav` [ RunTime:0.003207s ]
[ SQL ] SELECT * FROM `fang_nav` WHERE `model` = 'News' LIMIT 1 [ RunTime:0.000212s ]
[ SQL ] SELECT `spid` FROM `fang_city` WHERE `id` = 1024 LIMIT 1 [ RunTime:0.000170s ]
[ SQL ] SELECT `id` FROM `fang_city` WHERE `spid` LIKE '1024|%' [ RunTime:0.000124s ]
[ SQL ] SHOW COLUMNS FROM `fang_house` [ RunTime:0.003104s ]
[ SQL ] SELECT COUNT(*) AS tp_count FROM `fang_house` WHERE `status` = 1 AND `city` IN (1024,0) LIMIT 1 [ RunTime:0.000131s ]
[ SQL ] SELECT * FROM `fang_house` WHERE `status` = 1 AND `city` IN (1024,0) ORDER BY `hits` DESC LIMIT 0,10 [ RunTime:0.000197s ]
[ SQL ] SHOW COLUMNS FROM `fang_article` [ RunTime:0.002880s ]
[ SQL ] SELECT * FROM `fang_article` WHERE ( `status` = 1 AND `city` IN (1024,0) ) AND `fang_article`.`delete_time` IS NULL ORDER BY `hits` DESC LIMIT 10 [ RunTime:0.006875s ]
[ SQL ] SELECT * FROM `fang_article` WHERE ( `status` = 1 AND `city` IN (1024,0) AND `id` = 13555 ) AND `fang_article`.`delete_time` IS NULL LIMIT 1 [ RunTime:0.000316s ]
[ SQL ] SHOW COLUMNS FROM `fang_article_cate` [ RunTime:0.002934s ]
[ SQL ] SELECT * FROM `fang_article_cate` WHERE `id` = 44 LIMIT 1 [ RunTime:0.000248s ]
[ SQL ] UPDATE `fang_article` SET `hits` = `hits` + 1 WHERE ( `id` = 13555 ) AND `fang_article`.`delete_time` IS NULL [ RunTime:0.071261s ]
[ SQL ] SELECT * FROM `fang_article` WHERE ( `status` = 1 AND `city` IN (1024,0) AND `id` > 13555 ) AND `fang_article`.`delete_time` IS NULL ORDER BY `id` ASC LIMIT 8 [ RunTime:0.000528s ]
[ SQL ] SELECT `spid` FROM `fang_article_cate` WHERE `id` = 44 LIMIT 1 [ RunTime:0.000376s ]
[ SQL ] SELECT `id`,`name`,`alias` FROM `fang_article_cate` WHERE `status` = 1 AND `id` IN (44,0) [ RunTime:0.000389s ]
[ SQL ] SELECT `id`,`title` FROM `fang_article` WHERE ( `status` = 1 AND `city` IN (1024,0) AND `id` < 13555 AND `cate_id` = 44 AND `create_time` < 1716061489 ) AND `fang_article`.`delete_time` IS NULL ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000557s ]
[ SQL ] SELECT `id`,`title` FROM `fang_article` WHERE ( `status` = 1 AND `city` IN (1024,0) AND `id` > 13555 AND `cate_id` = 44 AND `create_time` < 1716061489 ) AND `fang_article`.`delete_time` IS NULL ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000501s ]

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