10年8月份购房贷款28万,贷10年,每月还多少,10年共支付利息多少

2025-02-25 12:29:50
推荐回答(2个)
回答1:

不知道你的利率打了几折?
按标准利率5.94%来算,贷款28万,贷10年,等额本息:
月均还款:3100.14 元
支付利息:92016.80元
还款总额:372016.8元

按标准利率下浮30%来算是4.518%,贷款28万,贷10年,等额本息:
月均还款:2904.31 元
支付利息:68517.20元
还款总额:348517.2元

等额本息就是每个月还款数都一样的,但是总额会多一些,但是压力小一些
等额本金就是开始还的多后来少,每月递减,还款总额少一些,但是开始压力大
如果你提前还清其实差的不多,所以现在大部分人选择等额本息。

按标准利率下浮30%来算是4.518%,贷款28万,贷10年,等额本金:
支付利息:63779.40元
还款总额:343779.40元

1期 1054.20元 2333.33元 3387.53元 277666.67元
2期 1045.42元 2333.33元 3378.75元 275333.34元
3期 1036.63元 2333.33元 3369.96元 273000.01元
4期 1027.85元 2333.33元 3361.18元 270666.68元
5期 1019.06元 2333.33元 3352.39元 268333.35元
6期 1010.28元 2333.33元 3343.61元 266000.02元
7期 1001.49元 2333.33元 3334.82元 263666.69元
8期 992.71元 2333.33元 3326.04元 261333.36元
9期 983.92元 2333.33元 3317.25元 259000.03元
10期 975.14元 2333.33元 3308.47元 256666.70元

116期 43.93元 2333.33元 2377.26元 9333.72元
117期 35.14元 2333.33元 2368.47元 7000.39元
118期 26.36元 2333.33元 2359.69元 4667.06元
119期 17.57元 2333.33元 2350.90元 2333.73元
120期 8.79元 2333.73元 2342.52元 0.0元

回答2:

一,商业贷款,2010年8月份执行2008年12月23日的基准利率5.94。
二,贷款28万10年还清,按上述基准利率5.94,等额本息还款方式,月供3100.14元,总利息92017.3元,还款总额372017.3元。
三,等额本息的月供计算公式如下:
[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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