等额本息,等额本金,自由还款三种还款方式比较
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M贷款总金额800000
r贷款月利率0.375%BX=Mr(1+r)^N÷[(1+r)^N-1] N还款总月数240B=Mr(1+r)^(n-1)÷[(1+r)^N-1] n第n期还贷数
公积金年利率 4.50%
贷款年限20
总利息额414686.80
总还款额1214686.80
BX=等额本息还贷每月所还本金和利息总额，
B=等额本息还贷每月所还本金，
Mr(1+r)^N7366.40
(1+r)^N-1 1.455466361
BX5061.20
本金(B)利息总额(BX)
12061.203000.005061.195
22068.922992.275061.195
32076.682984.515061.195
42084.472976.725061.195
52092.292968.915061.195
62100.132961.065061.195
72108.012953.195061.195
82115.912945.285061.195
92123.852937.355061.195
102131.812929.385061.195
112139.812921.395061.195
122147.832913.365061.195
132155.892905.315061.195
142163.972897.225061.195
152172.092889.115061.195
162180.232880.965061.195
172188.412872.795061.195
182196.612864.585061.195
192204.852856.345061.195
202213.122848.085061.195
212221.422839.785061.195
222229.752831.455061.195
232238.112823.095061.195
242246.502814.695061.195
252254.932806.275061.195
262263.382797.815061.195
272271.872789.325061.195
282280.392780.805061.195
292288.942772.255061.195
302297.532763.675061.195
312306.142755.055061.195
322314.792746.415061.195
332323.472737.735061.195
342332.182729.015061.195
352340.932720.275061.195
362349.712711.495061.195
372358.522702.685061.195
382367.362693.835061.195
392376.242684.965061.195
412394.102667.105061.195 422403.072658.125061.195 432412.082649.115061.195 442421.132640.075061.195 452430.212630.995061.195 462439.322621.875061.195 472448.472612.735061.195 482457.652603.545061.195 492466.872594.335061.195 502476.122585.085061.195 512485.402575.795061.195 522494.722566.475061.195 532504.082557.125061.195 542513.472547.735061.195 552522.902538.305061.195 562532.362528.845061.195 572541.852519.345061.195 582551.382509.815061.195 592560.952500.245061.195 602570.562490.645061.195 612580.202481.005061.195 622589.872471.325061.195 632599.582461.615061.195 642609.332451.865061.195 652619.122442.085061.195 662628.942432.265061.195 672638.802422.405061.195 682648.692412.505061.195 692658.622402.575061.195 702668.592392.605061.195 712678.602382.595061.195 722688.652372.555061.195 732698.732362.475061.195 742708.852352.355061.195 752719.012342.195061.195 762729.202331.995061.195 772739.442321.765061.195 782749.712311.485061.195 792760.022301.175061.195 802770.372290.825061.195 812780.762280.435061.195 822791.192270.015061.195 832801.662259.545061.195 842812.162249.035061.195 852822.712238.495061.195 862833.292227.905061.195 872843.922217.285061.195 882854.582206.615061.195 892865.292195.915061.195 902876.032185.165061.195 912886.822174.385061.195 922897.642163.555061.195 932908.512152.695061.195