• 買 賣
  • 出 租
  • 法 拍
區域:   售價: 萬以下
坪數: ~ 用途:
       
       
貸款算法
發表者:小妹  發表數:-17 IP:61.221.189.* 2003-08-26 11:37:07

小妹頭一次向銀行貸款160萬購屋, 適用2.3%的利率, 這個月起每月繳本息8324元, 我很好奇的
是這8324元是怎麼樣算出來的, 其中本金佔多少, 利息佔多少?
有勞各位大大解答, 謝謝!

回覆者:alice 發表數:-17 IP:218.32.86.* 2003-09-16 02:54:44
James:
期待你的mail,Thks!!(我是第一次留言,不太會留言,請見諒)
我的Email: cly120780443@yahoo.com.tw
回覆者:alice 發表數:-17 IP:218.32.86.* 2003-09-16 02:47:13
期待你的mail,Thks!!
回覆者:Erica 發表數:-17 IP:61.229.51.* 2003-09-16 02:29:18
哈~~我真豬頭 沒看清楚後面還有一欄還本的欄位說
真的很謝謝你們還幫我設計一份 謝謝哦^^
回覆者:Erica 發表數:-17 IP:61.229.51.* 2003-09-16 02:19:21
謝謝哦^^~ 我收到了
這樣真的超方便的~~
如果陸續還本金的話也可用此表嗎? 謝了^^
回覆者:Irene 發表數:-17 IP:210.59.168.* 2003-09-16 01:15:32
我最近也準備買房子..
可否麻煩cyc168 & maggie 寄給我呢? 謝謝...
yenyingc@ara.seed.net.tw
回覆者:maggie 發表數:-17 IP:211.23.76.* 2003-09-15 17:43:44
Erica:

寄給你了, 是一個Excel檔案
貸款金額和利率是我假設的
你可以自己輸入實際數字, 就可以計算出來了
回覆者:Erica 發表數:-17 IP:61.229.60.* 2003-09-15 15:58:54
我也極需計算公式可否麻煩cyc168 & maggie 寄給我呢? 非常感謝^^
e-mail vicky_chen11@yahoo.com.tw
回覆者:Erica 發表數:-17 IP:61.229.60.* 2003-09-15 15:52:16
cyc168 & maggie 方便也傳一份計算公式給我嗎 感謝哦^^
因為目前也有購屋打算, 但對貸款計算仍一知半解
謝謝你們哦^^
e-mail vicky_chen11@yahoo.com.tw
e2uaidjol@yahoo.com.tw 謝謝^^
回覆者:無殼蝸牛 發表數:-17 IP:61.224.161.* 2003-09-08 14:38:43
cyc168
我也想要公式,可否寄一份給我呢
謝謝
blueskoko@yahoo.com.tw
回覆者:KK 發表數:-17 IP:61.226.46.* 2003-09-07 08:30:38
請問有貸第一批200萬優惠房貸的人現在月繳多少錢? 我繳
10500, 想知道一下你們的銀行收多少.
回覆者:小定 發表數:-17 IP:218.173.108.* 2003-09-06 16:09:37
我會先還利息
然後在三年內不定期的還本金(一定要做到這一項,如果無法辦到請以本利還方式)

優點:
提高現金周轉率
馬上出現利息下降的情形
回覆者:小妹 發表數:-17 IP:61.221.189.* 2003-09-03 13:18:48
小俠兄:
很感謝你的回覆
回覆者:小俠 發表數:-17 IP:218.165.38.* 2003-09-02 10:35:11
以下為貸款160萬
二十年共240期(月)
本息平均攤還
每期本息8323.4元
各期別所繳本金及利息表


期別 每期本息和 本期本金 本期所繳利息
1 $8,323 $5,257 $3,067
2 $8,323 $5,267 $3,057
3 $8,323 $5,277 $3,046
4 $8,323 $5,287 $3,036
5 $8,323 $5,297 $3,026
6 $8,323 $5,307 $3,016
7 $8,323 $5,317 $3,006
8 $8,323 $5,328 $2,996
9 $8,323 $5,338 $2,986
10 $8,323 $5,348 $2,975
11 $8,323 $5,358 $2,965
12 $8,323 $5,369 $2,955
13 $8,323 $5,379 $2,944
14 $8,323 $5,389 $2,934
15 $8,323 $5,400 $2,924
16 $8,323 $5,410 $2,913
17 $8,323 $5,420 $2,903
18 $8,323 $5,431 $2,893
19 $8,323 $5,441 $2,882
20 $8,323 $5,452 $2,872
21 $8,323 $5,462 $2,861
22 $8,323 $5,472 $2,851
23 $8,323 $5,483 $2,840
24 $8,323 $5,493 $2,830
25 $8,323 $5,504 $2,819
26 $8,323 $5,515 $2,809
27 $8,323 $5,525 $2,798
28 $8,323 $5,536 $2,788
29 $8,323 $5,546 $2,777
30 $8,323 $5,557 $2,767
31 $8,323 $5,568 $2,756
32 $8,323 $5,578 $2,745
33 $8,323 $5,589 $2,734
34 $8,323 $5,600 $2,724
35 $8,323 $5,610 $2,713
36 $8,323 $5,621 $2,702
37 $8,323 $5,632 $2,692
38 $8,323 $5,643 $2,681
39 $8,323 $5,654 $2,670
40 $8,323 $5,664 $2,659
41 $8,323 $5,675 $2,648
42 $8,323 $5,686 $2,637
43 $8,323 $5,697 $2,626
44 $8,323 $5,708 $2,616
45 $8,323 $5,719 $2,605
46 $8,323 $5,730 $2,594
47 $8,323 $5,741 $2,583
48 $8,323 $5,752 $2,572
49 $8,323 $5,763 $2,561
50 $8,323 $5,774 $2,550
51 $8,323 $5,785 $2,538
52 $8,323 $5,796 $2,527
53 $8,323 $5,807 $2,516
54 $8,323 $5,818 $2,505
55 $8,323 $5,829 $2,494
56 $8,323 $5,841 $2,483
57 $8,323 $5,852 $2,472
58 $8,323 $5,863 $2,460
59 $8,323 $5,874 $2,449
60 $8,323 $5,885 $2,438
61 $8,323 $5,897 $2,427
62 $8,323 $5,908 $2,415
63 $8,323 $5,919 $2,404
64 $8,323 $5,931 $2,393
65 $8,323 $5,942 $2,381
66 $8,323 $5,953 $2,370
67 $8,323 $5,965 $2,359
68 $8,323 $5,976 $2,347
69 $8,323 $5,988 $2,336
70 $8,323 $5,999 $2,324
71 $8,323 $6,011 $2,313
72 $8,323 $6,022 $2,301
73 $8,323 $6,034 $2,290
74 $8,323 $6,045 $2,278
75 $8,323 $6,057 $2,266
76 $8,323 $6,069 $2,255
77 $8,323 $6,080 $2,243
78 $8,323 $6,092 $2,232
79 $8,323 $6,104 $2,220
80 $8,323 $6,115 $2,208
81 $8,323 $6,127 $2,196
82 $8,323 $6,139 $2,185
83 $8,323 $6,150 $2,173
84 $8,323 $6,162 $2,161
85 $8,323 $6,174 $2,149
86 $8,323 $6,186 $2,138
87 $8,323 $6,198 $2,126
88 $8,323 $6,210 $2,114
89 $8,323 $6,222 $2,102
90 $8,323 $6,233 $2,090
91 $8,323 $6,245 $2,078
92 $8,323 $6,257 $2,066
93 $8,323 $6,269 $2,054
94 $8,323 $6,281 $2,042
95 $8,323 $6,293 $2,030
96 $8,323 $6,306 $2,018
97 $8,323 $6,318 $2,006
98 $8,323 $6,330 $1,994
99 $8,323 $6,342 $1,982
100 $8,323 $6,354 $1,969
101 $8,323 $6,366 $1,957
102 $8,323 $6,378 $1,945
103 $8,323 $6,391 $1,933
104 $8,323 $6,403 $1,921
105 $8,323 $6,415 $1,908
106 $8,323 $6,427 $1,896
107 $8,323 $6,440 $1,884
108 $8,323 $6,452 $1,871
109 $8,323 $6,464 $1,859
110 $8,323 $6,477 $1,847
111 $8,323 $6,489 $1,834
112 $8,323 $6,502 $1,822
113 $8,323 $6,514 $1,809
114 $8,323 $6,527 $1,797
115 $8,323 $6,539 $1,784
116 $8,323 $6,552 $1,772
117 $8,323 $6,564 $1,759
118 $8,323 $6,577 $1,747
119 $8,323 $6,589 $1,734
120 $8,323 $6,602 $1,721
121 $8,323 $6,615 $1,709
122 $8,323 $6,627 $1,696
123 $8,323 $6,640 $1,683
124 $8,323 $6,653 $1,671
125 $8,323 $6,666 $1,658
126 $8,323 $6,678 $1,645
127 $8,323 $6,691 $1,632
128 $8,323 $6,704 $1,619
129 $8,323 $6,717 $1,607
130 $8,323 $6,730 $1,594
131 $8,323 $6,743 $1,581
132 $8,323 $6,755 $1,568
133 $8,323 $6,768 $1,555
134 $8,323 $6,781 $1,542
135 $8,323 $6,794 $1,529
136 $8,323 $6,807 $1,516
137 $8,323 $6,820 $1,503
138 $8,323 $6,834 $1,490
139 $8,323 $6,847 $1,477
140 $8,323 $6,860 $1,464
141 $8,323 $6,873 $1,450
142 $8,323 $6,886 $1,437
143 $8,323 $6,899 $1,424
144 $8,323 $6,913 $1,411
145 $8,323 $6,926 $1,398
146 $8,323 $6,939 $1,384
147 $8,323 $6,952 $1,371
148 $8,323 $6,966 $1,358
149 $8,323 $6,979 $1,344
150 $8,323 $6,992 $1,331
151 $8,323 $7,006 $1,318
152 $8,323 $7,019 $1,304
153 $8,323 $7,033 $1,291
154 $8,323 $7,046 $1,277
155 $8,323 $7,060 $1,264
156 $8,323 $7,073 $1,250
157 $8,323 $7,087 $1,237
158 $8,323 $7,100 $1,223
159 $8,323 $7,114 $1,209
160 $8,323 $7,128 $1,196
161 $8,323 $7,141 $1,182
162 $8,323 $7,155 $1,168
163 $8,323 $7,169 $1,155
164 $8,323 $7,182 $1,141
165 $8,323 $7,196 $1,127
166 $8,323 $7,210 $1,113
167 $8,323 $7,224 $1,100
168 $8,323 $7,238 $1,086
169 $8,323 $7,251 $1,072
170 $8,323 $7,265 $1,058
171 $8,323 $7,279 $1,044
172 $8,323 $7,293 $1,030
173 $8,323 $7,307 $1,016
174 $8,323 $7,321 $1,002
175 $8,323 $7,335 $988
176 $8,323 $7,349 $974
177 $8,323 $7,363 $960
178 $8,323 $7,378 $946
179 $8,323 $7,392 $932
180 $8,323 $7,406 $918
181 $8,323 $7,420 $903
182 $8,323 $7,434 $889
183 $8,323 $7,449 $875
184 $8,323 $7,463 $861
185 $8,323 $7,477 $846
186 $8,323 $7,491 $832
187 $8,323 $7,506 $818
188 $8,323 $7,520 $803
189 $8,323 $7,535 $789
190 $8,323 $7,549 $774
191 $8,323 $7,563 $760
192 $8,323 $7,578 $745
193 $8,323 $7,593 $731
194 $8,323 $7,607 $716
195 $8,323 $7,622 $702
196 $8,323 $7,636 $687
197 $8,323 $7,651 $673
198 $8,323 $7,666 $658
199 $8,323 $7,680 $643
200 $8,323 $7,695 $628
201 $8,323 $7,710 $614
202 $8,323 $7,724 $599
203 $8,323 $7,739 $584
204 $8,323 $7,754 $569
205 $8,323 $7,769 $554
206 $8,323 $7,784 $540
207 $8,323 $7,799 $525
208 $8,323 $7,814 $510
209 $8,323 $7,829 $495
210 $8,323 $7,844 $480
211 $8,323 $7,859 $465
212 $8,323 $7,874 $450
213 $8,323 $7,889 $435
214 $8,323 $7,904 $419
215 $8,323 $7,919 $404
216 $8,323 $7,934 $389
217 $8,323 $7,950 $374
218 $8,323 $7,965 $359
219 $8,323 $7,980 $343
220 $8,323 $7,995 $328
221 $8,323 $8,011 $313
222 $8,323 $8,026 $297
223 $8,323 $8,041 $282
224 $8,323 $8,057 $267
225 $8,323 $8,072 $251
226 $8,323 $8,088 $236
227 $8,323 $8,103 $220
228 $8,323 $8,119 $205
229 $8,323 $8,134 $189
230 $8,323 $8,150 $173
231 $8,323 $8,166 $158
232 $8,323 $8,181 $142
233 $8,323 $8,197 $127
234 $8,323 $8,213 $111
235 $8,323 $8,228 $95
236 $8,323 $8,244 $79
237 $8,323 $8,260 $64
238 $8,323 $8,276 $48
239 $8,323 $8,292 $32
240 $8,323 $8,307 $16
共繳 本金 利息
小計 $1,997,620 $1,600,000 $397,620

結論是
有錢先還掉比較划算

回覆者:小小 發表數:-17 IP:61.59.45.* 2003-09-01 18:54:19
收到啦 .. 3Q ~~~
回覆者:小茵兒 發表數:-17 IP:61.222.49.* 2003-09-01 16:30:23
cyc168
我也想要知道本息的公式,可以也傳給我嗎?謝謝
lori628@cm1.hinet.net
※ 本討論文章係由該作者擔保其合法性,不代表本網站之立場。