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等额本金还是等额本息。用数据说明等额本息和等额本金的优缺点。

sanrenxing 世界观 2021-03-04 4586 0 | 文章出自：https://mp.weixin.qq.com/s?__biz=MzI5OTAwNjMzMg==&tempkey=MTEwM191dGJMUHJOZXp6WCtobmhjRFZ3SGkwSE1CSGJydHBLYzRmeDNtLWJVR2hwQzgwQzBHQTkwQ1NHVFRDVUFWcVctSGtDa0VLTHR3c0JnOWl5RDNCZjJiTWlKTHRWYnJaVVpBY280OEVnLVhWVzJoa1JIbVFfNUFwcUxVTXZiTldjVnk0MlgzWVp6anMzTzBCaC1tdW9uVDFjTWo3M0lMMmNHZkZTSzN3fn4%3D&chksm=49c84d087ebfc41e8975b6045054164d2f7d3aa212270be5d172e783accbbfbe6ee002ef7891#rd 等额本金还是等额本息用数据说明等额本息和等额本金的优缺点。



一文看懂等额本息与等额本金的优缺点




什么是等额本息、等额本金

    有借有还，再借不难。向银行金主爸爸借钱都是要还的，并且要按时还。通常情况下银行有等额本息和等额本金两种还款方式供选择，也有部分银行只提供等额本息还款方式。

    顾名思义，等额本息就是每期还款金额（本金+利息）都相同、等额本金就是每期还款本金都相同，因为利息不同，所以还款额不同，每个月会减少。

    如果借款少、时间短，两者差别不大，但是对于房贷这种长期大额贷款而言，弄不好就是一辆特斯拉的差距，还是非常明显的。特别是很多房奴都是掏空了六个钱包凑来的首付，更要精打细算。




等额本息需要付更多利息

    举个例子，贷款150万，期限20年，年化利率5.58%，坚持还款到最后一期的话，等额本息比等额本金多还15万，每年一部iphone就这样没了。




等额本金前期还款压力更大

    看了总利息就想选等额本金，那你就真的是太“too young too simple”，还是得先看看钱包答不答应。第一个期还款时等额本息还款总额为10386.20元，等额本金还款总额为13225元，要多支出近3000元，不只是首期，往后的8年里，等额本金的还款额都会高于等额本息。对于刚凑完首付，每日吃土的人来说，也是非常大的压力。


▲上下滑动阅览▼



等额本息
月付		周期等额本金
月付
        10,386.201        13,225.00
        10,386.202        13,195.94
        10,386.203        13,166.88
        10,386.204        13,137.81
        10,386.205        13,108.75
        10,386.206        13,079.69
        10,386.207        13,050.63
        10,386.208        13,021.56
        10,386.209        12,992.50
        10,386.2010        12,963.44
        10,386.2011        12,934.38
        10,386.2012        12,905.31
        10,386.2013        12,876.25
        10,386.2014        12,847.19
        10,386.2015        12,818.13
        10,386.2016        12,789.06
        10,386.2017        12,760.00
        10,386.2018        12,730.94
        10,386.2019        12,701.88
        10,386.2020        12,672.81
        10,386.2021        12,643.75
        10,386.2022        12,614.69
        10,386.2023        12,585.63
        10,386.2024        12,556.56
        10,386.2025        12,527.50
        10,386.2026        12,498.44
        10,386.2027        12,469.38
        10,386.2028        12,440.31
        10,386.2029        12,411.25
        10,386.2030        12,382.19
        10,386.2031        12,353.13
        10,386.2032        12,324.06
        10,386.2033        12,295.00
        10,386.2034        12,265.94
        10,386.2035        12,236.88
        10,386.2036        12,207.81
        10,386.2037        12,178.75
        10,386.2038        12,149.69
        10,386.2039        12,120.63
        10,386.2040        12,091.56
        10,386.2041        12,062.50
        10,386.2042        12,033.44
        10,386.2043        12,004.38
        10,386.2044        11,975.31
        10,386.2045        11,946.25
        10,386.2046        11,917.19
        10,386.2047        11,888.13
        10,386.2048        11,859.06
        10,386.2049        11,830.00
        10,386.2050        11,800.94
        10,386.2051        11,771.88
        10,386.2052        11,742.81
        10,386.2053        11,713.75
        10,386.2054        11,684.69
        10,386.2055        11,655.63
        10,386.2056        11,626.56
        10,386.2057        11,597.50
        10,386.2058        11,568.44
        10,386.2059        11,539.38
        10,386.2060        11,510.31
        10,386.2061        11,481.25
        10,386.2062        11,452.19
        10,386.2063        11,423.13
        10,386.2064        11,394.06
        10,386.2065        11,365.00
        10,386.2066        11,335.94
        10,386.2067        11,306.88
        10,386.2068        11,277.81
        10,386.2069        11,248.75
        10,386.2070        11,219.69
        10,386.2071        11,190.63
        10,386.2072        11,161.56
        10,386.2073        11,132.50
        10,386.2074        11,103.44
        10,386.2075        11,074.38
        10,386.2076        11,045.31
        10,386.2077        11,016.25
        10,386.2078        10,987.19
        10,386.2079        10,958.13
        10,386.2080        10,929.06
        10,386.2081        10,900.00
        10,386.2082        10,870.94
        10,386.2083        10,841.88
        10,386.2084        10,812.81
        10,386.2085        10,783.75
        10,386.2086        10,754.69
        10,386.2087        10,725.63
        10,386.2088        10,696.56
        10,386.2089        10,667.50
        10,386.2090        10,638.44
        10,386.2091        10,609.38
        10,386.2092        10,580.31
        10,386.2093        10,551.25
        10,386.2094        10,522.19
        10,386.2095        10,493.13
        10,386.2096        10,464.06
        10,386.2097        10,435.00
        10,386.2098        10,405.94
       10,386.2099       10,376.88
        10,386.20100        10,347.81
        10,386.20101        10,318.75
        10,386.20102        10,289.69
        10,386.20103        10,260.63
        10,386.20104        10,231.56
        10,386.20105        10,202.50
        10,386.20106        10,173.44
        10,386.20107        10,144.38
        10,386.20108        10,115.31
        10,386.20109        10,086.25
        10,386.20110        10,057.19
        10,386.20111        10,028.13
        10,386.20112          9,999.06
        10,386.20113          9,970.00
        10,386.20114          9,940.94
        10,386.20115          9,911.88
        10,386.20116          9,882.81
        10,386.20117          9,853.75
        10,386.20118          9,824.69
        10,386.20119          9,795.63
        10,386.20120          9,766.56
        10,386.20121          9,737.50
        10,386.20122          9,708.44
        10,386.20123          9,679.38
        10,386.20124          9,650.31
        10,386.20125          9,621.25
        10,386.20126          9,592.19
        10,386.20127          9,563.13
        10,386.20128          9,534.06
        10,386.20129          9,505.00
        10,386.20130          9,475.94
        10,386.20131          9,446.88
        10,386.20132          9,417.81
        10,386.20133          9,388.75
        10,386.20134          9,359.69
        10,386.20135          9,330.63
        10,386.20136          9,301.56
        10,386.20137          9,272.50
        10,386.20138          9,243.44
        10,386.20139          9,214.38
        10,386.20140          9,185.31
        10,386.20141          9,156.25
        10,386.20142          9,127.19
        10,386.20143          9,098.13
        10,386.20144          9,069.06
        10,386.20145          9,040.00
        10,386.20146          9,010.94
        10,386.20147          8,981.88
        10,386.20148          8,952.81
        10,386.20149          8,923.75
        10,386.20150          8,894.69
        10,386.20151          8,865.63
        10,386.20152          8,836.56
        10,386.20153          8,807.50
        10,386.20154          8,778.44
        10,386.20155          8,749.38
        10,386.20156          8,720.31
        10,386.20157          8,691.25
        10,386.20158          8,662.19
        10,386.20159          8,633.13
        10,386.20160          8,604.06
        10,386.20161          8,575.00
        10,386.20162          8,545.94
        10,386.20163          8,516.88
        10,386.20164          8,487.81
        10,386.20165          8,458.75
        10,386.20166          8,429.69
        10,386.20167          8,400.63
        10,386.20168          8,371.56
        10,386.20169          8,342.50
        10,386.20170          8,313.44
        10,386.20171          8,284.38
        10,386.20172          8,255.31
        10,386.20173          8,226.25
        10,386.20174          8,197.19
        10,386.20175          8,168.13
        10,386.20176          8,139.06
        10,386.20177          8,110.00
        10,386.20178          8,080.94
        10,386.20179          8,051.88
        10,386.20180          8,022.81
        10,386.20181          7,993.75
        10,386.20182          7,964.69
        10,386.20183          7,935.63
        10,386.20184          7,906.56
        10,386.20185          7,877.50
        10,386.20186          7,848.44
        10,386.20187          7,819.38
        10,386.20188          7,790.31
        10,386.20189          7,761.25
        10,386.20190          7,732.19
        10,386.20191          7,703.13
        10,386.20192          7,674.06
        10,386.20193          7,645.00
        10,386.20194          7,615.94
        10,386.20195          7,586.88
        10,386.20196          7,557.81
        10,386.20197          7,528.75
        10,386.20198          7,499.69
        10,386.20199          7,470.63
        10,386.20200          7,441.56
        10,386.20201          7,412.50
        10,386.20202          7,383.44
        10,386.20203          7,354.38
        10,386.20204          7,325.31
        10,386.20205          7,296.25
        10,386.20206          7,267.19
        10,386.20207          7,238.13
        10,386.20208          7,209.06
        10,386.20209          7,180.00
        10,386.20210          7,150.94
        10,386.20211          7,121.88
        10,386.20212          7,092.81
        10,386.20213          7,063.75
        10,386.20214          7,034.69
        10,386.20215          7,005.63
        10,386.20216          6,976.56
        10,386.20217          6,947.50
        10,386.20218          6,918.44
        10,386.20219          6,889.38
        10,386.20220          6,860.31
        10,386.20221          6,831.25
        10,386.20222          6,802.19
        10,386.20223          6,773.13
        10,386.20224          6,744.06
        10,386.20225          6,715.00
        10,386.20226          6,685.94
        10,386.20227          6,656.88
        10,386.20228          6,627.81
        10,386.20229          6,598.75
        10,386.20230          6,569.69
        10,386.20231          6,540.63
        10,386.20232          6,511.56
        10,386.20233          6,482.50
        10,386.20234          6,453.44
        10,386.20235          6,424.38
        10,386.20236          6,395.31
        10,386.20237          6,366.25
        10,386.20238          6,337.19
        10,386.20239          6,308.13
        10,386.20240          6,279.06



贷款额、利率和年限都会影响每日还款额，所以小编（）为你特别送上计算方法。超级简单，打开Excel就行。

等额本息：

每月还款额：=ABS(PMT($B$5/12,240,$B$4))

每月归还利息：剩余还款额×（年化利率/12）

每月归还本金：每月还款额-每月归还利息

等额本金：

每月还款额：每月归还利息+每月归还本金

每月归还利息：剩余还款额×（年化利率/12）

每月归还本金：总贷款额/(贷款年限×12）

至于下边的多列多系列多组堆积柱形图，就更简单了，只是用到了Python和Pyecharts的条形图。就是480个横条确实太多了。

▲上下滑动阅览▼




提前还款

    房子确实挺贵的，但人若没有梦想，和咸鱼有什么区别。以5年提前还款为例，等额本息比等额本金累计多还了21,313.27元，去除前期等额本金每期多还的3000元的利息收益，真的是彼此彼此了。

    注：1、待还本金+利息项中小编使用的公式是，即仅计算1个月的利息，各银行规定不同，注意看下房贷合同。

        2、提前还款时间不同，也会导致差额变化。


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