房屋按揭贷款利息怎么算？ 按揭房贷款利息是多少,是怎么算的。

利率计算公式：1、存款利率是由国家统一规定，中国人民银行挂牌公告。利率也称为利息率，是在一定日期内利息与本金的比率，一般分为年利率、月利率、日利率三种。2、三种利率之间可以换算，其换算公式为：年利率÷12=月利率；月利率÷30=日利率；年利率÷360=日利率。3、计算利息的基本公式，储蓄存款利息计算的基本公式为：利息=本金×存期×利率；4、利率的换算，其中年利率、月利率、日利率三者的换算关系是：年利率=月利率×12（月）=日利率×360（天）；月利率=年利率÷12（月）=日利率×30（天）；日利率=年利率÷360（天）=月利率÷30（天）

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一般都是等额本息还款法,以10万贷款10年还款基准利息为例:期数未偿还本金偿还本金偿还利息偿还本息和1100,000.00584.12566.71,150.82299,415.88587.43563.391,150.82398,828.45590.76560.061,150.82498,237.69594.11556.711,150.82597,643.58597.47553.351,150.82697,046.11600.86549.961,150.82796,445.25604.26546.561,150.82895,840.99607.69543.131,150.82995,233.30611.13539.691,150.821094,622.17614.6536.221,150.821194,007.57618.08532.741,150.821293,389.49621.58529.241,150.821392,767.91625.1525.721,150.821492,142.81628.65522.171,150.821591,514.16632.21518.611,150.821690,881.95635.79515.031,150.821790,246.16639.4511.421,150.821889,606.76643.02507.81,150.821988,963.74646.66504.161,150.822088,317.08650.33500.491,150.822187,666.75654.01496.811,150.822287,012.74657.72493.11,150.822386,355.02661.45489.371,150.822485,693.57665.19485.631,150.822585,028.38668.96481.861,150.822684,359.42672.76478.061,150.822783,686.66676.57474.251,150.822883,010.09680.4470.421,150.822982,329.69684.26466.561,150.823081,645.43688.14462.681,150.823180,957.29692.04458.781,150.823280,265.25695.96454.861,150.823379,569.29699.9450.921,150.823478,869.39703.87446.951,150.823578,165.52707.86442.961,150.823677,457.66711.87438.951,150.823776,745.79715.9434.921,150.823876,029.89719.96430.861,150.823975,309.93724.04426.781,150.824074,585.89728.14422.681,150.824173,857.75732.27418.551,150.824273,125.48736.42414.41,150.824372,389.06740.59410.231,150.824471,648.47744.79406.031,150.824570,903.68749.01401.811,150.824670,154.67753.25397.571,150.824769,401.42757.52393.31,150.824868,643.90761.823891,150.824967,882.08766.13384.691,150.825067,115.95770.47380.351,150.825166,345.48774.84375.981,150.825265,570.64779.23371.591,150.825364,791.41783.65367.171,150.825464,007.76788.09362.731,150.825563,219.67792.55358.271,150.825662,427.12797.05353.771,150.825761,630.07801.56349.261,150.825860,828.51806.1344.721,150.825960,022.41810.67340.151,150.826059,211.74815.27335.551,150.826158,396.47819.89330.931,150.826257,576.58824.53326.291,150.826356,752.05829.21321.611,150.826455,922.84833.91316.911,150.826555,088.93838.63312.191,150.826654,250.30843.38307.441,150.826753,406.92848.16302.661,150.826852,558.76852.97297.851,150.826951,705.79857.8293.021,150.827050,847.99862.66288.161,150.827149,985.33867.55283.271,150.827249,117.78872.47278.351,150.827348,245.31877.41273.411,150.827447,367.90882.39268.431,150.827546,485.51887.39263.431,150.827645,598.12892.42258.41,150.827744,705.70897.47253.351,150.827843,808.23902.56248.261,150.827942,905.67907.67243.151,150.828041,998.00912.822381,150.828141,085.18917.99232.831,150.828240,167.19923.19227.631,150.828339,244.00928.42222.41,150.828438,315.58933.69217.131,150.828537,381.89938.98211.841,150.828636,442.91944.3206.521,150.828735,498.61949.65201.171,150.828834,548.96955.03195.791,150.828933,593.93960.44190.381,150.829032,633.49965.89184.931,150.829131,667.60971.36179.461,150.829230,696.24976.86173.961,150.829329,719.38982.4168.421,150.829428,736.98987.97162.851,150.829527,749.01993.57157.251,150.829626,755.44999.2151.621,150.829725,756.241,004.86145.961,150.829824,751.381,010.55140.271,150.829923,740.831,016.28134.541,150.8210022,724.551,022.04128.781,150.8210121,702.511,027.83122.991,150.8210220,674.681,033.66117.161,150.8210319,641.021,039.51111.311,150.8210418,601.511,045.41105.411,150.8210517,556.101,051.3399.491,150.8210616,504.771,057.2993.531,150.8210715,447.481,063.2887.541,150.8210814,384.201,069.3081.521,150.8210913,314.901,075.3675.461,150.8211012,239.541,081.4669.361,150.8211111,158.081,087.5963.231,150.8211210,070.491,093.7557.071,150.821138,976.741,099.9550.871,150.821147,876.791,106.1844.641,150.821156,770.611,112.4538.371,150.821165,658.161,118.7632.061,150.821174,539.401,125.1025.721,150.821183,414.301,131.4719.351,150.821192,282.831,137.8812.941,150.821201,144.951,144.336.491,150.82合计0.6299,999.3838,099.02138,098.40

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由于你提供的还款日期不详细，所以建议你使用提前还款计算器自己计算。一、提前还贷利息计算方法：1、根据一般房贷还款方式的计算公式分为两种等额本息和等额本金两种方式。等额本息计算公式。计算原则：银行从每月月供款中，先收剩余本金利息，后收本金;利息在月供款中的比例中随剩余本金的减少而降低，本金在月供款中的比例因增加而升高，但月供总额保持不变。2、等额本金计算公式：每月还款额=每月本金+每月本息每月本金=本金/还款月数每月本息=(本金-累计还款总额)X月利率计算原则：每月归还的本金额始终不变，利息会随剩余本金的减少而减少

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你贷款40万、期限20年、按年利率7.05%计算，等额本息法，每月的还款额为 3113.21 元，20年的总利息是347170.92元。简单的计算公式如下：先计算每月的月还款额：月还款额=本金*月利率*(1+月利率)^n/[(1+月利率)^n-1]式中：月利率=年利率/12，n表示贷款月数，^n表示n次方，如^240，表示240次方（贷款20年、240个月）。注意：计算(1+月利率)^n-1时，要先将小括号内的算出来，乘方后再减1。总利息=月还款额*贷款月数-本金。这样算出来的总利息是347170.40元，与你在网上计算器看到的相差0.52元，这是因为用这个简易公式计算时的月还款额只取了两位小数，实际上精确的月还款额是3113.212152元，如果以这个月还款额来计算总利息：3113.212152*240-400000=347170.9165元=347170.92元。另外，关于对利息的叫法，有分、厘等，一般来说是以1元为本金，比方说借款100元，月利息1分（每元1分），那借100元一个月的利息就是1元；如果是8厘，那一个月的利息就是8角；如果是1分5厘，那一个月就是1角5分。

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建议一曾享7折优惠的不适合提前还贷前几年在银行办按揭的购房者可能享受过7折到9折的优惠利率，从长达几十年的借贷周期算下来，可以节省一大笔按揭利息。虽然此次央行房贷新政提出，符合首套房标准的贷款利率下限为基础利率的7折，但是在政策落地执行的过程中，由于银行的资金成本问题，7折利率很难再次出现。理财师认为，对于这些曾经享受优惠按揭利率的贷款人来说，提前还贷并不合算。建议二考虑处于还款初期还是后期很多贷款人可能并不知道，他们在还款初期还的大部分是利息，到了中期乃至后期才是在偿还本金。因此，如果一个贷款15年的购房者，已经偿还了8年的房贷，此时再来提前还贷是不太划算的。理财师建议，想要提前还贷的购房者可以考虑自己所处的还款阶段，如果还款时间不长，选择提前还贷可有效节省利息支出；如果是在中后期，已经偿还了大部分利息，就不适合提前还贷。建议三向银行了解是否因违约而罚息想要提前还贷的购房者，需要向所贷款银行了解，是否会因为提前还贷造成违约，而需支付一定的违约金。记者了解到，部分银行会在贷款合同中列明，提前还款可能需要支付一定的违约金。一般来说，违约金为提前还款金额的1%或者月供的3至6倍。在流程上，提前还贷需向银行提交书面申请，审核时间在一周至一个月。此外，银行会设立提前还贷的起征点，比如3万或者5万，并接受整数倍的还款数额，借款人能够偿还的额度必须是以万为单位的整数倍。建议四考虑是否有更好的“钱生钱”渠道随着互联网金融的发展，目前居民投资理财渠道渐多，想要获得7%及以上的年投资回报也非难事，对于这部分家庭来说，选择用闲置资金进行投资获取收益，可能大于通过提前还贷节约下的利息。如果不是有特别强烈的购买二套房意愿，不妨有效利用好手中资金，以钱生钱。但需注意的是，投资总是有风险，且高收益伴随高风险，对于那些理财能力弱、只追求稳定储蓄收益的家庭来说，提前还款以节省利息会是个不错的选择。

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