招商銀行_手工算息表(1216)

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1、更更新新日日期期:2008-12-162008-12-16月月均均還還款款法法1-30年還款參考表遞遞減減還還款款法法現(xiàn)行貸款利率表靈靈活活還還款款法法利率變動(dòng)跟蹤表固固定定還還款款額額推推算算期期限限身份證號(hào)碼查詢系統(tǒng)提提前前還還款款違違約約金金計(jì)計(jì)息息表表萬(wàn)年歷公公積積金金貸貸款款使用說(shuō)明編輯:屈明磊月月均均還還款款法法（等等額額本本息息還還款款法法）利利率率種種類類貸貸款款本本金金(元元)期期限限(月月)浮浮動(dòng)動(dòng)比比年年利利率率月月利利率率月月還還款款額額預(yù)預(yù)計(jì)計(jì)總總支支付付利利息息住房貸款優(yōu)惠利率基準(zhǔn)利率浮動(dòng)利率其它返返回回首首頁(yè)頁(yè)遞遞減減還還款款法法（等等額額本本金金還還款款法法）利

2、利率率種種類類貸貸款款本本金金(元元)期期限限(月月)浮浮動(dòng)動(dòng)比比年年利利率率月月利利率率月月還還款款額額（首首期期）逐逐月月遞遞減減額額預(yù)預(yù)計(jì)計(jì)總總支支付付利利息息住房貸款優(yōu)惠利率基準(zhǔn)利率浮動(dòng)利率其它返返回回首首頁(yè)頁(yè)靈靈活活還還款款法法還還款款方方式式貸貸款款本本金金(元元)期期限限(月月)年年利利率率月月利利率率按月付息，到期還本按月付息，按季還本到期一次性還本付息注：以上還款方式請(qǐng)?jiān)谡咴试S范圍內(nèi)使用返返回回首首頁(yè)頁(yè)月月還還款款額額預(yù)預(yù)計(jì)計(jì)總總支支付付利利息息到到期期還還款款金金額額靈靈活活還還款款法法提提前前還還款款違違約約金金計(jì)計(jì)算算表表還還款款金金額額(元元)年年利利率率應(yīng)應(yīng)還還違

3、違約約金金正正常常貸貸款款結(jié)結(jié)清清計(jì)計(jì)息息表表貸貸款款本本金金(元元)年年利利率率貸貸款款日日還還款款日日應(yīng)應(yīng)還還利利息息 本本息息合合計(jì)計(jì)逾逾期期貸貸款款結(jié)結(jié)清清計(jì)計(jì)息息表表貸貸款款本本金金(元元)正正常常利利率率（年年）逾逾期期利利率率（日日）貸貸款款日日到到期期日日還還款款日日應(yīng)應(yīng)還還利利息息 本本息息合合計(jì)計(jì)返返回回首首頁(yè)頁(yè)固固定定還還款款額額推推算算期期限限還還款款方方式式貸貸款款本本金金(元元)年年利利率率(%)(%)月月還還款款額額(元元)參參考考貸貸款款期期限限(月月)月月均均還還款款法法遞遞減減還還款款法法（首首期期）返返回回首首頁(yè)頁(yè)返返回回首首頁(yè)頁(yè)個(gè)人按揭貸款還款參考表以貸

4、款 1萬(wàn)元 為例：?jiǎn)螁挝晃唬涸J貸款款年年限限基基準(zhǔn)準(zhǔn)利利率率利利率率下下浮浮-15%月月均均還還款款法法/等等額額本本息息法法遞遞減減還還款款法法/等等額額本本金金法法實(shí)實(shí)際際執(zhí)執(zhí)行行年年利利率率（%）實(shí)實(shí)際際執(zhí)執(zhí)行行月月利利率率（）月月還還款款額額預(yù)預(yù)計(jì)計(jì)總總支支付付利利息息首首期期還還款款額額 遞遞減減額額預(yù)預(yù)計(jì)計(jì)總總支支付付利利息息（年年）（%）15.58%4.7430%3.95250854.90258.77872.863.29256.9125.67%4.8195%4.01625437.91509.74456.831.67502.033298.90760.37317.941.1274

5、3.0145.94%5.0490%4.20750230.511064.72250.410.881030.845188.941336.21208.740.701283.2966.12%5.2020%4.33500161.991663.14182.240.601582.287142.291952.38162.400.521842.388127.562246.06147.520.452102.489116.152544.17135.940.402362.5810107.062846.67126.680.362622.671199.653153.56119.110.332882.781293.5134

6、64.81112.790.303142.881388.343780.39107.450.283402.981483.934100.26102.870.263663.081580.144424.4198.910.243923.181676.844752.7995.430.234183.271773.955085.3892.370.214443.381871.405422.1389.650.204703.481969.145763.0187.210.194963.582067.126107.9785.020.185223.682165.316456.9883.030.175483.782263.6

7、76809.9981.230.165743.882362.207166.9679.580.166003.972460.867527.8478.070.156264.082559.647892.5876.680.146524.172658.538261.1375.400.146784.282757.518633.4474.210.137044.382856.589009.4773.110.137304.482955.729389.1572.090.127564.573054.929772.4471.130.127824.68返返回回首首頁(yè)頁(yè)貸款利率變動(dòng)跟蹤表 項(xiàng)項(xiàng) 目目2008.10.30調(diào)調(diào)整

8、整2008.10.09調(diào)調(diào)整整2008.09.16調(diào)調(diào)整整2007.12.21調(diào)調(diào)整整2007.9.15調(diào)調(diào)整整年利率月利率年利率月利率年利率月利率年利率月利率年利率月利率短期貸款六個(gè)月以下（含六個(gè)月）6.030000%0.502500%6.120000%0.510000%6.210000%0.517500%6.570000%0.547500%6.480000%0.540000%六個(gè)月至一年（含一年）6.660000%0.555000%6.930000%0.577500%7.200000%0.600000%7.470000%0.622500%7.290000%0.607500%中長(zhǎng)期貸款一年以

9、上至三年（含三年）6.750000%0.562500%7.020000%0.585000%7.290000%0.607500%7.560000%0.630000%7.470000%0.622500%三年以上至五年（含五年）7.020000%0.585000%7.290000%0.607500%7.560000%0.630000%7.740000%0.645000%7.650000%0.637500%五年以上7.200000%0.600000%7.470000%0.622500%7.740000%0.645000%7.830000%0.652500%7.830000%0.652500%個(gè)人住房貸

10、款個(gè)人住房公積金貸款五年以下（含五年）4.050000%0.337500%4.320000%0.360000%4.590000%0.382500%4.770000%0.397500%4.770000%0.397500%五年以上4.590000%0.382500%4.860000%0.405000%5.130000%0.427500%5.220000%0.435000%5.220000%0.435000%自營(yíng)性個(gè)人住房貸款6個(gè)月以下（含6個(gè)月）5.125500%0.427125%5.202000%0.433500%5.278500%0.439875%5.584500%0.465375%5.508

11、000%0.459000%6個(gè)月1年（含1年）5.661000%0.471750%5.890500%0.490875%6.120000%0.510000%6.349500%0.529125%6.196500%0.516375%13年（含3年）5.737500%0.478125%5.967000%0.497250%6.196500%0.516375%6.426000%0.535500%6.349500%0.529125%35年（含5年）5.967000%0.497250%6.196500%0.516375%6.426000%0.535500%6.579000%0.548250%6.502500%

12、0.541875%5年以上6.120000%0.510000%6.349500%0.529125%6.579000%0.548250%6.655500%0.554625%6.655500%0.554625%優(yōu)惠貸款利率船舶4.050000%0.337500%4.320000%0.360000%4.590000%0.382500%4.860000%0.405000%4.680000%0.390000%成套和高技術(shù)含量4.860000%0.405000%5.130000%0.427500%5.400000%0.450000%5.670000%0.472500%5.490000%0.457500%低

13、技術(shù)含量和一般產(chǎn)品5.580000%0.465000%5.850000%0.487500%6.120000%0.510000%6.390000%0.532500%6.210000%0.517500%民政部門福利工廠貸款5.220000%0.435000%5.490000%0.457500%5.760000%0.480000%6.030000%0.502500%5.850000%0.487500%老少邊窮發(fā)展經(jīng)濟(jì)貸款3.780000%0.315000%4.050000%0.337500%4.320000%0.360000%4.590000%0.382500%4.410000%0.367500%貧

14、困縣辦工業(yè)貸款3.780000%0.315000%4.050000%0.337500%4.320000%0.360000%4.590000%0.382500%4.410000%0.367500%民族貿(mào)易及民族用品生產(chǎn)貸款3.780000%0.315000%4.050000%0.337500%4.320000%0.360000%4.590000%0.382500%4.410000%0.367500%存款利率表項(xiàng)項(xiàng) 目目2008.10.30調(diào)調(diào)整整2008.10.09調(diào)調(diào)整整2007.12.21調(diào)調(diào)整整2007.9.15調(diào)調(diào)整整2007.8.22調(diào)調(diào)整整活期0.72%0.72%0.72%0.81%

15、0.81%定期存款三個(gè)月2.88%3.15%3.33%2.88%2.61%半 年3.24%3.51%3.78%3.42%3.15%一 年3.60%3.87%4.14%3.87%3.60%二 年4.14%4.41%4.68%4.50%4.23%三 年4.77%5.13%5.40%5.22%4.95%五 年5.13%5.58%5.85%5.76%5.49%零存整取一 年2.88%3.15%3.33%2.88%2.61%三 年3.24%3.51%3.78%3.42%3.15%五 年3.60%3.87%4.14%3.87%3.60%協(xié)定1.53%1.53%1.53%1.53%1.53%通知存款一天1.

16、17%1.17%1.17%1.17%1.17%七天1.71%1.71%1.71%1.71%1.71%存存款款準(zhǔn)準(zhǔn)備備金金率率歷歷次次調(diào)調(diào)整整情情況況表表調(diào)調(diào)整整時(shí)時(shí)間間調(diào)調(diào)整整前前調(diào)調(diào)整整后后調(diào)調(diào)整整幅幅度度2008年06月25日17.00%17.50%0.50%2008年06月15日16.50%17.00%0.50%2008年05月20日16.00%16.50%0.50%2008年04月25日15.50%16.00%0.50%2008年03月25日15.00%15.50%0.50%2008年01月25日14.50%15.00%0.50%2007年12月25日13.50%14.50%1%200

17、7年11月26日13.00%13.50%0.50%2007年10月25日12.50%13.00%0.50%2007年09月25日12.00%12.50%0.50%2007年08月15日11.50%12.00%0.50%2007年06月05日11.00%11.50%0.50%2007年05月15日10.50%11.00%0.50%2007年04月16日10.00%10.50%0.50%2007年02月25日9.50%10.00%0.50%2007年01月15日9.00%9.50%0.50%2006年11月15日8.50%9.00%0.50%2006年08月15日8.00%8.50%0.50%20

18、06年07月05日7.50%8.00%0.50%2004年04月25日7.00%7.50%0.50%2003年09月21日6.00%7.00%1%1999年11月21日8.00%6.00%-2%1998年03月21日13.00%8.00%-5%1988年09月01日12.00%13.00%1%1987年10.00%12.00%2%1985年央行將法定存款準(zhǔn)備金率統(tǒng)一調(diào)整為101984年央行按存款種類規(guī)定法定存款準(zhǔn)備金率，企業(yè)存款20%，農(nóng)村存款25%，儲(chǔ)蓄存款40%2007.8.22調(diào)調(diào)整整2007.7.21調(diào)調(diào)整整2007.5.18調(diào)調(diào)整整2007.3.18調(diào)調(diào)整整2006.8.19調(diào)調(diào)整整

19、2006.4.28調(diào)調(diào)整整2005.3.17調(diào)調(diào)整整（住住房房貸貸款款優(yōu)優(yōu)惠惠利利率率）年利率月利率年利率月利率年利率月利率年利率月利率年利率月利率年利率月利率年利率月利率6.210000%0.517500%6.030000%0.502500%5.850000%0.487500%5.670000%0.472500%5.580000%0.465000%5.400000%0.450000%7.020000%0.585000%6.840000%0.570000%6.570000%0.547500%6.390000%0.532500%6.120000%0.510000%5.850000%0.48750

20、0%7.200000%0.600000%7.020000%0.585000%6.750000%0.562500%6.570000%0.547500%6.300000%0.525000%6.030000%0.502500%7.380000%0.615000%7.200000%0.600000%6.930000%0.577500%6.750000%0.562500%6.480000%0.540000%6.120000%0.510000%7.560000%0.630000%7.380000%0.615000%7.200000%0.600000%7.110000%0.592500%6.840000%0

21、.570000%6.390000%0.532500%4.590000%0.382500%4.500000%0.375000%4.410000%0.367500%4.320000%0.360000%4.140000%0.345000%4.140000%0.345000%3.960000%0.330000%5.040000%0.420000%4.950000%0.412500%4.860000%0.405000%4.770000%0.397500%4.590000%0.382500%4.590000%0.382500%4.410000%0.367500%5.278500%0.439875%5.12

22、5500%0.427125%4.972500%0.414375%4.819500%0.401625%4.743000%0.395250%4.860000%0.405000%4.698000%0.391500%5.967000%0.497250%5.814000%0.484500%5.584500%0.465375%5.431500%0.452625%5.202000%0.433500%5.265000%0.438750%5.022000%0.418500%6.120000%0.510000%5.967000%0.497250%5.737500%0.478125%5.584500%0.46537

23、5%5.355000%0.446250%5.427000%0.452250%5.184000%0.432000%6.273000%0.522750%6.120000%0.510000%5.890500%0.490875%5.737500%0.478125%5.508000%0.459000%5.508000%0.459000%5.265000%0.438750%6.426000%0.535500%6.273000%0.522750%6.120000%0.510000%6.043500%0.503625%5.814000%0.484500%5.751000%0.479250%5.508000%0

24、.459000%4.410000%0.367500%4.230000%0.352500%3.960000%0.330000%3.780000%0.315000%3.510000%0.292500%3.240000%0.270000%5.220000%0.435000%5.040000%0.420000%4.770000%0.397500%4.590000%0.382500%4.320000%0.360000%4.050000%0.337500%5.940000%0.495000%5.760000%0.480000%5.490000%0.457500%5.310000%0.442500%5.04

25、0000%0.420000%4.770000%0.397500%5.580000%0.465000%5.400000%0.450000%5.130000%0.427500%4.950000%0.412500%4.680000%0.390000%4.410000%0.367500%4.140000%0.345000%3.960000%0.330000%3.690000%0.307500%3.510000%0.292500%3.240000%0.270000%2.970000%0.247500%4.140000%0.345000%3.960000%0.330000%3.690000%0.30750

26、0%3.510000%0.292500%3.240000%0.270000%2.970000%0.247500%4.140000%0.345000%3.960000%0.330000%3.690000%0.307500%3.510000%0.292500%3.240000%0.270000%2.970000%0.247500%單位:年率%2007.7.21調(diào)調(diào)整整2007.5.18調(diào)調(diào)整整2007.3.18調(diào)調(diào)整整2006.8.19調(diào)調(diào)整整2005.3.17調(diào)調(diào)整整2002.2.21調(diào)調(diào)整整0.81%0.72%0.72%0.72%0.72%0.72%2.34%2.07%1.98%1.80%1.

27、71%1.71%2.88%2.61%2.43%2.25%2.07%1.89%3.33%3.06%2.79%2.52%2.25%1.98%3.96%3.69%3.33%3.06%2.70%2.25%4.68%4.41%3.96%3.69%3.24%2.52%5.22%4.95%4.41%4.14%3.60%2.79%2.34%2.07%1.98%1.80%1.71%1.71%2.88%2.61%2.43%2.25%2.07%1.89%3.33%3.06%2.79%2.52%2.25%1.98%1.53%1.44%1.44%1.44%1.44%1.17%1.08%1.08%1.08%1.08%1.

28、71%1.62%1.62%1.62%1.62%2004.10.29調(diào)調(diào)整整2002.2.21調(diào)調(diào)整整年利率月利率年利率月利率5.220000%0.435000%5.040000%0.420000%5.580000%0.465000%5.310000%0.442500%5.760000%0.480000%5.490000%0.457500%5.850000%0.487500%5.580000%0.465000%6.120000%0.510000%5.760000%0.480000%3.780000%0.315000%3.600000%0.300000%4.230000%0.352500%4.05

29、0000%0.337500%4.950000%0.412500%4.770000%0.397500%5.310000%0.442500%5.040000%0.420000%4.140000%0.345000%3.870000%0.322500%2.700000%0.225000%2.430000%0.202500%2.700000%0.225000%2.430000%0.202500%2.700000%0.225000%2.430000%0.202500%現(xiàn)現(xiàn)行行貸貸款款利利率率返返回回首首頁(yè)頁(yè)更更新新日日期期:2008-12-162008-12-16期期限限基基準(zhǔn)準(zhǔn)利利率率住住房房?jī)?yōu)優(yōu)惠惠年

30、年利利率率六個(gè)月以下（含六個(gè)月）5.040000%4.284000%六個(gè)月至一年（含一年）5.580000%4.743000%一年以上至三年（含三年）5.670000%4.819500%三年以上至五年（含五年）5.940000%5.049000%五年以上6.120000%5.202000%個(gè)人住房公積金貸款五年以下（含五年）3.5100%五年以上4.0500%住住房房?jī)?yōu)優(yōu)惠惠月月利利率率0.357000%0.395250%0.401625%0.420750%0.433500%0.292500%0.337500%身身份份證證號(hào)號(hào)碼碼查查詢?cè)兿迪到y(tǒng)統(tǒng)輸輸入入身身份份證證號(hào)號(hào)碼碼性性別別年年齡齡出出

31、生生日日期期所所屬屬省省份份所所屬屬地地區(qū)區(qū)15位位舊舊號(hào)號(hào)18位位新新號(hào)號(hào)返返回回首首頁(yè)頁(yè)2008鼠鼠返返回回首首頁(yè)頁(yè)星期日 星期一 星期二 星期三 星期四 星期五 星期六星期日 星期一 星期二 星期三 星期四 星期五星期六星期日 星期一 星期二 星期三 星期四 星期五 星期六12345121678910111234567892345678131415161718191011121314151691011121314152021222324252617181920212223161718192021222728293031242526272829232425262728293031星期日 星

32、期一 星期二 星期三 星期四 星期五 星期六星期日 星期一 星期二 星期三 星期四 星期五星期六星期日 星期一 星期二 星期三 星期四 星期五 星期六12345123123456767891011124567891089101112131413141516171819111213141516171516171819202120212223242526181920212223242223242526272827282930252627282930312930星期日 星期一 星期二 星期三 星期四 星期五 星期六星期日 星期一 星期二 星期三 星期四 星期五星期六星期日 星期一 星期二 星期三 星

33、期四 星期五 星期六1234512123456678910111234567897891011121313141516171819101112131415161415161718192020212223242526171819202122232122232425262727282930312425262728293028293031星期日 星期一 星期二 星期三 星期四 星期五 星期六星期日 星期一 星期二 星期三 星期四 星期五星期六星期日 星期一 星期二 星期三 星期四 星期五 星期六12341123456567891011234567878910111213121314151617189

34、10111213141514151617181920192021222324251617181920212221222324252627262728293031232425262728292829303130月月均均還還款款法法（等等額額本本息息還還款款法法）貸貸款款品品種種貸貸款款本本金金(元元)期期限限(月月)年年利利率率月月利利率率月月還還款款額額預(yù)預(yù)計(jì)計(jì)總總支支付付利利息息公積金貸款遞遞減減還還款款法法（等等額額本本金金還還款款法法）貸貸款款品品種種貸貸款款本本金金(元元)期期限限(月月)年年利利率率月月利利率率月月還還款款額額（首首期期）逐逐月月遞遞減減額額 預(yù)預(yù)計(jì)計(jì)總總支支付付利利

35、息息公積金貸款返返回回首首頁(yè)頁(yè)1-301-30年年還還款款參參考考表表返返回回公公積積金金返返回回首首頁(yè)頁(yè)公積金貸款還款參考表以貸款 1萬(wàn)元 為例：?jiǎn)螁挝晃唬涸J貸款款年年限限（年年）年年利利率率月月利利率率月月均均還還款款法法/等等額額本本息息法法遞遞減減還還款款法法/等等額額本本金金法法（%）（）月月還還款款額額預(yù)預(yù)計(jì)計(jì)總總支支付付利利息息首首期期還還款款額額遞遞減減額額預(yù)預(yù)計(jì)計(jì)總總支支付付利利息息13.510%2.9250849.26191.14862.582.44190.1323.510%2.9250432.07369.72445.921.22365.6333.510%2.92502

36、93.07550.34307.030.81541.1343.510%2.9250223.60733.02237.580.61716.6253.510%2.9250181.96917.73195.920.49892.1364.050%3.3750156.681280.94172.640.471231.8874.050%3.3750136.921501.14152.800.401434.3884.050%3.3750122.131724.05137.920.351636.8894.050%3.3750110.641949.65126.340.311839.38104.050%3.3750101.4

37、82177.95117.080.282041.88114.050%3.375094.012408.94109.510.262244.37124.050%3.375087.802642.60103.190.232446.88134.050%3.375082.562878.9297.850.222649.38144.050%3.375078.083117.9093.270.202851.88154.050%3.375074.223359.5389.310.193054.38164.050%3.375070.853603.7885.830.183256.88174.050%3.375067.9038

38、50.6682.770.173459.38184.050%3.375065.284100.1380.050.163661.88194.050%3.375062.954352.2077.610.153864.38204.050%3.375060.864606.8475.420.144066.88214.050%3.375058.984864.0373.430.134269.38224.050%3.375057.295123.7771.630.134471.88234.050%3.375055.755386.0369.980.124674.37244.050%3.375054.345650.806

39、8.470.124876.88254.050%3.375053.065918.0567.080.115079.37264.050%3.375051.886187.7665.800.115281.88274.050%3.375050.806459.9364.610.105484.38284.050%3.375049.816734.5163.510.105686.88294.050%3.375048.887011.5162.490.105889.37304.050%3.375048.037290.8861.530.096091.88月月均均還還款款法法本本金金（元元）期期限限（月月）利利率率（年年

40、）返回月均法返回首頁(yè)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)123456789101112131415161718192021222324252627282930313233343536373839404142434445464748495051525354555657585960616263646566676869月月均均還還款款法法7071本金利息總額72合計(jì)73合計(jì)月月均均還還款款法法本本金金（元元）期期限限（月月）利利率率（年年）返回月均法返回首頁(yè)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)月月均均還還款款法法

41、本金利息總額合計(jì)月月均均還還款款法法本本金金（元元）期期限限（月月）利利率率（年年）返回月均法返回首頁(yè)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)月月均均還還款款法法本金利息總額合計(jì)月月均均還還款款法法本本金金（元元）期期限限（月月）次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息利利率率（年年）返回月均法返回首頁(yè)合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)月月均均還還款款法法本金利息總額合計(jì)遞遞減減還還款款法法本本金金（元元）期期限限（月月）利利率率（年年）返回遞減法返回首頁(yè)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)1234567

42、89101112131415161718192021222324252627282930313233343536373839404142434445464748495051525354555657585960616263646566676869遞遞減減還還款款法法7071本金利息總額72合計(jì)73遞遞減減還還款款法法本本金金（元元）期期限限（月月）利利率率（年年）返回遞減法返回首頁(yè)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)遞遞減減還還款款法法本金利息總額合計(jì)遞遞減減還還款款法法本本金金（元元）期期限限（月月）利利率率（年年）返回遞減法返回首頁(yè)次數(shù)本金利息合計(jì)

43、次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)遞遞減減還還款款法法本金利息總額合計(jì)遞遞減減還還款款法法本本金金（元元）期期限限（月月）次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息利利率率（年年）返回遞減法返回首頁(yè)合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)遞遞減減還還款款法法本金利息總額合計(jì)表格說(shuō)明1 已安裝Microsoft Excel軟件的計(jì)算機(jī)均可使用此表；2 此表是在1024768屏幕分辨率下制作完成，若打開后表格顯示不完整，可調(diào)整分辨率（調(diào)整為1024768）或調(diào)整表格顯示比例（調(diào)整為80%）即可；3 此表格功能在不斷完善中，最新版本請(qǐng)參看“首頁(yè)”左上角的“更新日期”。4.

44、各位同仁若有增加或修改表格功能的需求，就發(fā)郵件給我.功能說(shuō)明月均還款法及遞減還款法1.表內(nèi)已預(yù)設(shè)下浮15%的住房?jī)?yōu)惠利率、基準(zhǔn)利率及手工調(diào)整浮動(dòng)比的利率，若須計(jì)算其它利率請(qǐng)?jiān)凇捌渌睓谖惠斎耄?.點(diǎn)擊計(jì)算出的“月還款額”可得到月還款明細(xì)清單。表表格格制制作作：招招商商銀銀行行聯(lián)聯(lián)系系電電話話：9555595555郵郵 箱箱 ：oyt返返回回首首頁(yè)頁(yè)月月均均還還款款法法本本金金（元元）期期限限（月月）利利率率（年年）返回公積金返回首頁(yè)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)月月均均還還款款法法本金利息總額合計(jì)合計(jì)遞遞減減還還款款法法本本金金（元元）期期限限

45、（月月）利利率率（年年）返回公積金返回首頁(yè)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)123456789101112131415161718192021222324252627282930313233343536373839404142434445464748495051525354555657585960616263646566676869遞遞減減還還款款法法7071本金利息總額72合計(jì)73合計(jì)按按月月付付息息，按按季季還還本本本本金金（元元）期期限限（月月）次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息利利率率（年年）返回靈活法返回首頁(yè)合計(jì)次數(shù)本金利息合計(jì)次數(shù)本金利息合計(jì)按按月月付付息息，按按季季還還本本本金利息總額合計(jì)