等額本息貸款年利率計算器

1. 等額本息年利率計算公式

等額本息計算公式:〔貸款本金×月利率×(1+月利率)^還款月數〕÷〔(1+月利率)^還款月數-1〕

等額本金計算公式：每月還款金額= (貸款本金÷ 還款月數)+(本金—已歸還本金累計額)×每月利率

等額本息，是指一種貸款的還款方式。等額本息是在還款期內，每月償還同等數額的貸款(包括本金和利息)。

(1)等額本息貸款年利率計算器擴展閱讀

等額本息還款法，即借款人每月按相等的金額償還貸款本息，其中每月貸款利息按月初剩餘貸款本金計算並逐月付清。這種還款方式，便於借款人合理安排每月的生活和進行理財(如以租養房等)，對於精通投資、擅長於「以錢生錢」的人來說，無疑是較好的選擇。

舉例說明

假設以10000元為本金、在銀行貸款10年、基準利率是6.65%,比較下兩種貸款方式的差異：

等額本息還款法

月利率=年利率÷12=0.0665÷12=0.005541667

月還款本息=〔10000×0.005541667×(1+0.005541667)^120〕÷〔(1+0.005541667)^120 -1〕=114.3127元

合計還款13717.52元

合計利息3717.52萬元

等額本金還款法：

每月還款金額= (貸款本金÷還款月數)+(本金—已歸還本金累計額)×每月利率

=(10000 ÷120)+(10000—已歸還本金累計額)×0.005541667

首月還款138.75元每月遞減0.462元

合計還款13352.71元

利息3352.71元

2. 貸款年化利率計算器

等額本息還款：把按揭貸款的本金總額與利息總額相加，然後平均分攤到還款期限的每個月中。作為還款人，每個月還給銀行固定金額，但每月還款額中的本金比重逐月遞增、利息比重逐月遞減。
等額本金還款：將本金分攤到每個月內,同時付清上一交易日至本次還款日之間的利息。這種還款方式相對等額本息而言,總的利息支出較低,但是前期支付的本金和利息較多,還款負擔逐月遞減。

3. 個人貸款，等額本息還款的計算

1. 用PMT就行了，如果非要計算原理公式，如下：

   =$A$2*$B$2*(1+$B$2)^$D$2/((1+$B$2)^$D$2-1)
   

2. 如圖所示：

4. 等額本息還款計算器每月應還多少本金和利息

我可以幫你計算，不過一定要採納我的回答哈，謝謝！

貸款39萬元，按20年計算，利率是85折，應該是5.5675%。
貸款總額：390,000.00元還款總額：700,614.43元
利息總額：310,614.43元首期還款額：2,919.23元貸款期限：240

你每個月還款情況如下表，只能查到前120個月的情況哈。

還款期數當期還款額當期本金當期利息本金結餘12,919.23790.482,128.75389,209.52 22,919.23794.792,124.44388,414.73 32,919.23799.132,120.10387,615.60 42,919.23803.492,115.74386,812.11 52,919.23807.882,111.35386,004.23 62,919.23812.292,106.94385,191.95 72,919.23816.722,102.51384,375.23 82,919.23821.182,098.05383,554.05 92,919.23825.662,093.57382,728.39 102,919.23830.172,089.06381,898.22 112,919.23834.72,084.53381,063.52 122,919.23839.262,079.97380,224.26 132,919.23843.842,075.39379,380.43 142,919.23848.442,070.78378,531.99 152,919.23853.072,066.15377,678.91 162,919.23857.732,061.50376,821.18 172,919.23862.412,056.82375,958.77 182,919.23867.122,052.11375,091.65 192,919.23871.852,047.38374,219.80 202,919.23876.612,042.62373,343.19 212,919.23881.42,037.83372,461.80 222,919.23886.212,033.02371,575.59 232,919.23891.042,028.18370,684.55 242,919.23895.912,023.32369,788.64 252,919.23900.82,018.43368,887.84 262,919.23905.712,013.51367,982.13 272,919.23910.662,008.57367,071.47 282,919.23915.632,003.60366,155.84 292,919.23920.631,998.60365,235.22 302,919.23925.651,993.58364,309.57 312,919.23930.71,988.52363,378.86 322,919.23935.781,983.44362,443.08 332,919.23940.891,978.34361,502.19 342,919.23946.031,973.20360,556.16 352,919.23951.191,968.04359,604.97 362,919.23956.381,962.84358,648.58 372,919.23961.61,957.62357,686.98 382,919.23966.851,952.37356,720.13 392,919.23972.131,947.10355,747.00 402,919.23977.441,941.79354,770.56 412,919.23982.771,936.46353,787.79 422,919.23988.141,931.09352,799.66 432,919.23993.531,925.70351,806.13 442,919.23998.951,920.28350,807.18 452,919.231,004.401,914.82349,802.77 462,919.231,009.891,909.34348,792.89 472,919.231,015.401,903.83347,777.49 482,919.231,020.941,898.29346,756.55 492,919.231,026.511,892.71345,730.03 502,919.231,032.121,887.11344,697.92 512,919.231,037.751,881.48343,660.16 522,919.231,043.421,875.81342,616.75 532,919.231,049.111,870.12341,567.64 542,919.231,054.841,864.39340,512.80 552,919.231,060.591,858.63339,452.21 562,919.231,066.381,852.84338,385.82 572,919.231,072.201,847.02337,313.62 582,919.231,078.061,841.17336,235.56 592,919.231,083.941,835.29335,151.62 602,919.231,089.861,829.37334,061.76 612,919.231,095.811,823.42332,965.96 622,919.231,101.791,817.44331,864.17 632,919.231,107.801,811.43330,756.37 642,919.231,113.851,805.38329,642.52 652,919.231,119.931,799.30328,522.59 662,919.231,126.041,793.19327,396.55 672,919.231,132.191,787.04326,264.36 682,919.231,138.371,780.86325,125.00 692,919.231,144.581,774.65323,981.42 702,919.231,150.831,768.40322,830.59 712,919.231,157.111,762.12321,673.48 722,919.231,163.431,755.80320,510.05 732,919.231,169.781,749.45319,340.28 742,919.231,176.161,743.07318,164.12 752,919.231,182.581,736.65316,981.53 762,919.231,189.041,730.19315,792.50 772,919.231,195.531,723.70314,596.97 782,919.231,202.051,717.18313,394.92 792,919.231,208.611,710.61312,186.31 802,919.231,215.211,704.02310,971.10 812,919.231,221.841,697.38309,749.26 822,919.231,228.511,690.71308,520.74 832,919.231,235.221,684.01307,285.53 842,919.231,241.961,677.27306,043.57 852,919.231,248.741,670.49304,794.83 862,919.231,255.561,663.67303,539.27 872,919.231,262.411,656.82302,276.86 882,919.231,269.301,649.93301,007.56 892,919.231,276.231,642.00299,731.34 902,919.231,283.191,636.03298,448.14 912,919.231,290.201,629.03297,157.95 922,919.231,297.241,621.99295,860.71 932,919.231,304.321,614.91294,556.39 942,919.231,311.441,607.79293,244.95 952,919.231,318.601,600.63291,926.35 962,919.231,325.801,593.43290,600.55 972,919.231,333.031,586.19289,267.52 982,919.231,340.311,578.92287,927.21 992,919.231,347.621,571.60286,579.59 1002,919.231,354.981,564.25285,224.61 1012,919.231,362.381,556.85283,862.23 1022,919.231,369.811,549.41282,492.42 1032,919.231,377.291,541.94281,115.13 1042,919.231,384.811,534.42279,730.32 1052,919.231,392.371,526.86278,337.96 1062,919.231,399.971,519.26276,937.99 1072,919.231,407.611,511.62275,530.39 1082,919.231,415.291,503.94274,115.10 1092,919.231,423.021,496.21272,692.08 1102,919.231,430.781,488.44271,261.30 1112,919.231,438.591,480.63269,822.71 1122,919.231,446.441,472.78268,376.26 1132,919.231,454.341,464.89266,921.92 1142,919.231,462.281,456.95265,459.64 1152,919.231,470.261,448.97263,989.39 1162,919.231,478.281,440.94262,511.10 1172,919.231,486.351,432.87261,024.75 1182,919.231,494.471,424.76259,530.28 1192,919.231,502.621,416.60258,027.66 1202,919.231,510.831,408.40256,516.83