440萬貸款30年

㈠ 用公積金貸款60萬，30年還，利息4.5%，怎麼算

首先說明一下：住房公積金貸款利率由中國人民銀行發布，全國統一執行。目前執行的利率是：5年期以內的（含5年）年利率2.75%，5年期以上的年利率3.25%，沒有你說的4.5這個標准。
公積金貸款60萬元，期限30年，利率是3.25%，有兩種還款方式，計算如下（假設貸款期內利率保持不變）：
1、等額本金還款法：到期支付利息293312.50元，累計還本付息893312.50元；
2、等額本息還款法：到期支付利息340045.65元，累計還本付息940045.65元；
等額本金法每月歸還本金固定，利息隨著本金的減少而減少，缺點是初期還款額多，優點是累計支付利息少。等額本息法每月歸還本息固定，便於安排家庭支出，缺點是累計支付利息多。

㈡ 440萬的借款年利率百分之12,每月還8萬,幾年還清

440萬元的借款，年利率百分之12,那麼利息是：12%*4400000=528000元，本利合計：528000+4400000=4928000元。每月還8萬,需要4928000/80000=61.6個月，合：61.6/12=5.13，也就是5年多可以還清。

㈢ 銀行貸款440萬元2年利息是多少

要知道你做的是購房貸款還是抵押才能准確回答你,如是抵押貸款的,不同銀行的利率有所不同,目前銀行抵押貸款利率通常上浮30%左右，2年期的利率為6.175%.

㈣ 哪位朋友幫忙解釋一下房屋商業貸款50萬年限30年每月還款多少20年又是多少

按住房貸款的標准··我用工行的利率和貸款計算器給你計算
50萬
30年：
貸款金額：500000元 貸款期限：30.0年
貸款年利率：7.20 還款方式：等額本息

期數 應還本金 應還利息 月還款額 貸款余額
0 500000

1 393.94 3,000.00 3,393.94 499,606.06

2 396.30 2,997.64 3,393.94 499,209.75

3 398.68 2,995.26 3,393.94 498,811.07

4 401.07 2,992.87 3,393.94 498,410.00

5 403.48 2,990.46 3,393.94 498,006.52

6 405.90 2,988.04 3,393.94 497,600.61

7 408.34 2,985.60 3,393.94 497,192.28

8 410.79 2,983.15 3,393.94 496,781.49

9 413.25 2,980.69 3,393.94 496,368.24

10 415.73 2,978.21 3,393.94 495,952.51

11 418.23 2,975.72 3,393.94 495,534.28

12 420.74 2,973.21 3,393.94 495,113.54

13 423.26 2,970.68 3,393.94 494,690.28

14 425.80 2,968.14 3,393.94 494,264.49

15 428.35 2,965.59 3,393.94 493,836.13

16 430.92 2,963.02 3,393.94 493,405.21

17 433.51 2,960.43 3,393.94 492,971.70

18 436.11 2,957.83 3,393.94 492,535.59

19 438.73 2,955.21 3,393.94 492,096.86

20 441.36 2,952.58 3,393.94 491,655.50

21 444.01 2,949.93 3,393.94 491,211.49

22 446.67 2,947.27 3,393.94 490,764.82

23 449.35 2,944.59 3,393.94 490,315.47

24 452.05 2,941.89 3,393.94 489,863.42

25 454.76 2,939.18 3,393.94 489,408.66

26 457.49 2,936.45 3,393.94 488,951.17

27 460.23 2,933.71 3,393.94 488,490.93

28 463.00 2,930.95 3,393.94 488,027.94

29 465.77 2,928.17 3,393.94 487,562.17

30 468.57 2,925.37 3,393.94 487,093.60

31 471.38 2,922.56 3,393.94 486,622.22

32 474.21 2,919.73 3,393.94 486,148.01

33 477.05 2,916.89 3,393.94 485,670.96

34 479.92 2,914.03 3,393.94 485,191.04

35 482.79 2,911.15 3,393.94 484,708.25

36 485.69 2,908.25 3,393.94 484,222.56

37 488.61 2,905.34 3,393.94 483,733.95

38 491.54 2,902.40 3,393.94 483,242.41

39 494.49 2,899.45 3,393.94 482,747.93

40 497.45 2,896.49 3,393.94 482,250.47

41 500.44 2,893.50 3,393.94 481,750.03

42 503.44 2,890.50 3,393.94 481,246.59

43 506.46 2,887.48 3,393.94 480,740.13

44 509.50 2,884.44 3,393.94 480,230.63

45 512.56 2,881.38 3,393.94 479,718.07

46 515.63 2,878.31 3,393.94 479,202.44

47 518.73 2,875.21 3,393.94 478,683.72

48 521.84 2,872.10 3,393.94 478,161.88

49 524.97 2,868.97 3,393.94 477,636.91

50 528.12 2,865.82 3,393.94 477,108.79

51 531.29 2,862.65 3,393.94 476,577.50

52 534.48 2,859.46 3,393.94 476,043.02

53 537.68 2,856.26 3,393.94 475,505.34

54 540.91 2,853.03 3,393.94 474,964.43

55 544.15 2,849.79 3,393.94 474,420.28

56 547.42 2,846.52 3,393.94 473,872.86

57 550.70 2,843.24 3,393.94 473,322.15

58 554.01 2,839.93 3,393.94 472,768.15

59 557.33 2,836.61 3,393.94 472,210.81

60 560.68 2,833.26 3,393.94 471,650.14

61 564.04 2,829.90 3,393.94 471,086.10

62 567.42 2,826.52 3,393.94 470,518.67

63 570.83 2,823.11 3,393.94 469,947.84

64 574.25 2,819.69 3,393.94 469,373.59

65 577.70 2,816.24 3,393.94 468,795.89

66 581.17 2,812.78 3,393.94 468,214.72

67 584.65 2,809.29 3,393.94 467,630.07

68 588.16 2,805.78 3,393.94 467,041.91

69 591.69 2,802.25 3,393.94 466,450.22

70 595.24 2,798.70 3,393.94 465,854.98

71 598.81 2,795.13 3,393.94 465,256.17

72 602.40 2,791.54 3,393.94 464,653.77

73 606.02 2,787.92 3,393.94 464,047.75

74 609.65 2,784.29 3,393.94 463,438.09

75 613.31 2,780.63 3,393.94 462,824.78

76 616.99 2,776.95 3,393.94 462,207.79

77 620.69 2,773.25 3,393.94 461,587.09

78 624.42 2,769.52 3,393.94 460,962.68

79 628.16 2,765.78 3,393.94 460,334.51

80 631.93 2,762.01 3,393.94 459,702.58

81 635.73 2,758.22 3,393.94 459,066.85

82 639.54 2,754.40 3,393.94 458,427.31

83 643.38 2,750.56 3,393.94 457,783.93

84 647.24 2,746.70 3,393.94 457,136.70

85 651.12 2,742.82 3,393.94 456,485.58

86 655.03 2,738.91 3,393.94 455,830.55

87 658.96 2,734.98 3,393.94 455,171.59

88 662.91 2,731.03 3,393.94 454,508.68

89 666.89 2,727.05 3,393.94 453,841.79

90 670.89 2,723.05 3,393.94 453,170.90

91 674.92 2,719.03 3,393.94 452,495.98

92 678.97 2,714.98 3,393.94 451,817.02

93 683.04 2,710.90 3,393.94 451,133.98

94 687.14 2,706.80 3,393.94 450,446.84

95 691.26 2,702.68 3,393.94 449,755.58

96 695.41 2,698.53 3,393.94 449,060.18

97 699.58 2,694.36 3,393.94 448,360.60

98 703.78 2,690.16 3,393.94 447,656.82

99 708.00 2,685.94 3,393.94 446,948.82

100 712.25 2,681.69 3,393.94 446,236.57

101 716.52 2,677.42 3,393.94 445,520.05

102 720.82 2,673.12 3,393.94 444,799.23

103 725.15 2,668.80 3,393.94 444,074.08

104 729.50 2,664.44 3,393.94 443,344.59

105 733.87 2,660.07 3,393.94 442,610.71

106 738.28 2,655.66 3,393.94 441,872.44

107 742.71 2,651.23 3,393.94 441,129.73

108 747.16 2,646.78 3,393.94 440,382.57

109 751.65 2,642.30 3,393.94 439,630.92

110 756.16 2,637.79 3,393.94 438,874.76

111 760.69 2,633.25 3,393.94 438,114.07

112 765.26 2,628.68 3,393.94 437,348.82

113 769.85 2,624.09 3,393.94 436,578.97

114 774.47 2,619.47 3,393.94 435,804.50

115 779.11 2,614.83 3,393.94 435,025.39

116 783.79 2,610.15 3,393.94 434,241.60

117 788.49 2,605.45 3,393.94 433,453.11

118 793.22 2,600.72 3,393.94 432,659.88

119 797.98 2,595.96 3,393.94 431,861.90

120 802.77 2,591.17 3,393.94 431,059.13

121 807.59 2,586.35 3,393.94 430,251.55

122 812.43 2,581.51 3,393.94 429,439.11

123 817.31 2,576.63 3,393.94 428,621.81

124 822.21 2,571.73 3,393.94 427,799.60

125 827.14 2,566.80 3,393.94 426,972.45

126 832.11 2,561.83 3,393.94 426,140.35

127 837.10 2,556.84 3,393.94 425,303.25

128 842.12 2,551.82 3,393.94 424,461.13

129 847.17 2,546.77 3,393.94 423,613.95

130 852.26 2,541.68 3,393.94 422,761.70

131 857.37 2,536.57 3,393.94 421,904.33

132 862.52 2,531.43 3,393.94 421,041.81

133 867.69 2,526.25 3,393.94 420,174.12

134 872.90 2,521.04 3,393.94 419,301.22

135 878.13 2,515.81 3,393.94 418,423.09

136 883.40 2,510.54 3,393.94 417,539.69

137 888.70 2,505.24 3,393.94 416,650.98

138 894.04 2,499.91 3,393.94 415,756.95

139 899.40 2,494.54 3,393.94 414,857.55

140 904.80 2,489.15 3,393.94 413,952.75

141 910.22 2,483.72 3,393.94 413,042.53

142 915.69 2,478.26 3,393.94 412,126.84

143 921.18 2,472.76 3,393.94 411,205.66

144 926.71 2,467.23 3,393.94 410,278.96

145 932.27 2,461.67 3,393.94 409,346.69

146 937.86 2,456.08 3,393.94 408,408.83

147 943.49 2,450.45 3,393.94 407,465.34

148 949.15 2,444.79 3,393.94 406,516.19

149 954.84 2,439.10 3,393.94 405,561.35

150 960.57 2,433.37 3,393.94 404,600.77

151 966.34 2,427.60 3,393.94 403,634.44

152 972.13 2,421.81 3,393.94 402,662.30

153 977.97 2,415.97 3,393.94 401,684.34

154 983.84 2,410.11 3,393.94 400,700.50

155 989.74 2,404.20 3,393.94 399,710.76

156 995.68 2,398.26 3,393.94 398,715.09

157 1,001.65 2,392.29 3,393.94 397,713.44

158 1,007.66 2,386.28 3,393.94 396,705.78

159 1,013.71 2,380.23 3,393.94 395,692.07

160 1,019.79 2,374.15 3,393.94 394,672.28

161 1,025.91 2,368.03 3,393.94 393,646.37

162 1,032.06 2,361.88 3,393.94 392,614.31

163 1,038.26 2,355.69 3,393.94 391,576.06

164 1,044.48 2,349.46 3,393.94 390,531.57

165 1,050.75 2,343.19 3,393.94 389,480.82

166 1,057.06 2,336.88 3,393.94 388,423.76

167 1,063.40 2,330.54 3,393.94 387,360.36

168 1,069.78 2,324.16 3,393.94 386,290.59

169 1,076.20 2,317.74 3,393.94 385,214.39

170 1,082.65 2,311.29 3,393.94 384,131.73

171 1,089.15 2,304.79 3,393.94 383,042.58

172 1,095.69 2,298.26 3,393.94 381,946.90

173 1,102.26 2,291.68 3,393.94 380,844.64

174 1,108.87 2,285.07 3,393.94 379,735.76

175 1,115.53 2,278.41 3,393.94 378,620.24

176 1,122.22 2,271.72 3,393.94 377,498.02

177 1,128.95 2,264.99 3,393.94 376,369.07

178 1,135.73 2,258.21 3,393.94 375,233.34

179 1,142.54 2,251.40 3,393.94 374,090.80

180 1,149.40 2,244.54 3,393.94 372,941.40

181 1,156.29 2,237.65 3,393.94 371,785.11

182 1,163.23 2,230.71 3,393.94 370,621.88

183 1,170.21 2,223.73 3,393.94 369,451.67

184 1,177.23 2,216.71 3,393.94 368,274.44

185 1,184.29 2,209.65 3,393.94 367,090.14

186 1,191.40 2,202.54 3,393.94 365,898.74

187 1,198.55 2,195.39 3,393.94 364,700.19

188 1,205.74 2,188.20 3,393.94 363,494.45

189 1,212.97 2,180.97 3,393.94 362,281.48

190 1,220.25 2,173.69 3,393.94 361,061.23

191 1,227.57 2,166.37 3,393.94 359,833.65

192 1,234.94 2,159.00 3,393.94 358,598.72

193 1,242.35 2,151.59 3,393.94 357,356.37

194 1,249.80 2,144.14 3,393.94 356,106.56

195 1,257.30 2,136.64 3,393.94 354,849.26

196 1,264.85 2,129.10 3,393.94 353,584.42

197 1,272.43 2,121.51 3,393.94 352,311.98

198 1,280.07 2,113.87 3,393.94 351,031.91

199 1,287.75 2,106.19 3,393.94 349,744.16

200 1,295.48 2,098.46 3,393.94 348,448.69

201 1,303.25 2,090.69 3,393.94 347,145.44

202 1,311.07 2,082.87 3,393.94 345,834.37

203 1,318.93 2,075.01 3,393.94 344,515.44

204 1,326.85 2,067.09 3,393.94 343,188.59

205 1,334.81 2,059.13 3,393.94 341,853.78

206 1,342.82 2,051.12 3,393.94 340,510.96

207 1,350.88 2,043.07 3,393.94 339,160.08

208 1,358.98 2,034.96 3,393.94 337,801.10

209 1,367.13 2,026.81 3,393.94 336,433.97

210 1,375.34 2,018.60 3,393.94 335,058.63

211 1,383.59 2,010.35 3,393.94 333,675.04

212 1,391.89 2,002.05 3,393.94 332,283.15

213 1,400.24 1,993.70 3,393.94 330,882.91

214 1,408.64 1,985.30 3,393.94 329,474.27

215 1,417.10 1,976.85 3,393.94 328,057.17

216 1,425.60 1,968.34 3,393.94 326,631.57

217 1,434.15 1,959.79 3,393.94 325,197.42

218 1,442.76 1,951.18 3,393.94 323,754.66

219 1,451.41 1,942.53 3,393.94 322,303.25

220 1,460.12 1,933.82 3,393.94 320,843.13

221 1,468.88 1,925.06 3,393.94 319,374.25

222 1,477.70 1,916.25 3,393.94 317,896.55

223 1,486.56 1,907.38 3,393.94 316,409.99

224 1,495.48 1,898.46 3,393.94 314,914.51

225 1,504.45 1,889.49 3,393.94 313,410.06

226 1,513.48 1,880.46 3,393.94 311,896.57

227 1,522.56 1,871.38 3,393.94 310,374.01

228 1,531.70 1,862.24 3,393.94 308,842.32

229 1,540.89 1,853.05 3,393.94 307,301.43

230 1,550.13 1,843.81 3,393.94 305,751.30

231 1,559.43 1,834.51 3,393.94 304,191.86

232 1,568.79 1,825.15 3,393.94 302,623.07

233 1,578.20 1,815.74 3,393.94 301,044.87

234 1,587.67 1,806.27 3,393.94 299,457.20

235 1,597.20 1,796.74 3,393.94 297,860.00

236 1,606.78 1,787.16 3,393.94 296,253.22

237 1,616.42 1,777.52 3,393.94 294,636.80

238 1,626.12 1,767.82 3,393.94 293,010.68

239 1,635.88 1,758.06 3,393.94 291,374.80

240 1,645.69 1,748.25 3,393.94 289,729.11

241 1,655.57 1,738.37 3,393.94 288,073.54

242 1,665.50 1,728.44 3,393.94 286,408.04

243 1,675.49 1,718.45 3,393.94 284,732.55

244 1,685.55 1,708.40 3,393.94 283,047.00

245 1,695.66 1,698.28 3,393.94 281,351.34

246 1,705.83 1,688.11 3,393.94 279,645.51

247 1,716.07 1,677.87 3,393.94 277,929.44

248 1,726.36 1,667.58 3,393.94 276,203.08

249 1,736.72 1,657.22 3,393.94 274,466.36

250 1,747.14 1,646.80 3,393.94 272,719.21

251 1,757.63 1,636.32 3,393.94 270,961.59

252 1,768.17 1,625.77 3,393.94 269,193.42

253 1,778.78 1,615.16 3,393.94 267,414.64

254 1,789.45 1,604.49 3,393.94 265,625.18

255 1,800.19 1,593.75 3,393.94 263,824.99

256 1,810.99 1,582.95 3,393.94 262,014.00

257 1,821.86 1,572.08 3,393.94 260,192.15

258 1,832.79 1,561.15 3,393.94 258,359.36

259 1,843.78 1,550.16 3,393.94 256,515.57

260 1,854.85 1,539.09 3,393.94 254,660.72

261 1,865.98 1,527.96 3,393.94 252,794.75

262 1,877.17 1,516.77 3,393.94 250,917.58

263 1,888.44 1,505.51 3,393.94 249,029.14

264 1,899.77 1,494.17 3,393.94 247,129.37

265 1,911.16 1,482.78 3,393.94 245,218.21

266 1,922.63 1,471.31 3,393.94 243,295.58

267 1,934.17 1,459.77 3,393.94 241,361.41

268 1,945.77 1,448.17 3,393.94 239,415.64

269 1,957.45 1,436.49 3,393.94 237,458.19

270 1,969.19 1,424.75 3,393.94 235,489.00

271 1,981.01 1,412.93 3,393.94 233,507.99

272 1,992.89 1,401.05 3,393.94 231,515.10

273 2,004.85 1,389.09 3,393.94 229,510.25

274 2,016.88 1,377.06 3,393.94 227,493.37

275 2,028.98 1,364.96 3,393.94 225,464.39

276 2,041.15 1,352.79 3,393.94 223,423.23

277 2,053.40 1,340.54 3,393.94 221,369.83

278 2,065.72 1,328.22 3,393.94 219,304.11

279 2,078.12 1,315.82 3,393.94 217,225.99

280 2,090.59 1,303.36 3,393.94 215,135.41

281 2,103.13 1,290.81 3,393.94 213,032.28

282 2,115.75 1,278.19 3,393.94 210,916.53

283 2,128.44 1,265.50 3,393.94 208,788.09

284 2,141.21 1,252.73 3,393.94 206,646.88

285 2,154.06 1,239.88 3,393.94 204,492.82

286 2,166.98 1,226.96 3,393.94 202,325.83

287 2,179.99 1,213.95 3,393.94 200,145.85

288 2,193.07 1,200.88 3,393.94 197,952.78

289 2,206.22 1,187.72 3,393.94 195,746.56

290 2,219.46 1,174.48 3,393.94 193,527.09

291 2,232.78 1,161.16 3,393.94 191,294.32

292 2,246.18 1,147.77 3,393.94 189,048.14

293 2,259.65 1,134.29 3,393.94 186,788.49

294 2,273.21 1,120.73 3,393.94 184,515.28

295 2,286.85 1,107.09 3,393.94 182,228.43

296 2,300.57 1,093.37 3,393.94 179,927.86

297 2,314.37 1,079.57 3,393.94 177,613.48

298 2,328.26 1,065.68 3,393.94 175,285.22

299 2,342.23 1,051.71 3,393.94 172,942.99

300 2,356.28 1,037.66 3,393.94 170,586.71

301 2,370.42 1,023.52 3,393.94 168,216.29

302 2,384.64 1,009.30 3,393.94 165,831.65

303 2,398.95 994.99 3,393.94 163,432.70

304 2,413.34 980.60 3,393.94 161,019.35

305 2,427.82 966.12 3,393.94 158,591.53

306 2,442.39 951.55 3,393.94 156,149.13

307 2,457.05 936.89 3,393.94 153,692.09

308 2,471.79 922.15 3,393.94 151,220.30

309 2,486.62 907.32 3,393.94 148,733.68

310 2,501.54 892.40 3,393.94 146,232.14

311 2,516.55 877.39 3,393.94 143,715.59

312 2,531.65 862.29 3,393.94 141,183.95

313 2,546.84 847.10 3,393.94 138,637.11

314 2,562.12 831.82 3,393.94 136,074.99

315 2,577.49 816.45 3,393.94 133,497.50

316 2,592.96 800.98 3,393.94 130,904.54

317 2,608.51 785.43 3,393.94 128,296.03

318 2,624.16 769.78 3,393.94 125,671.86

319 2,639.91 754.03 3,393.94 123,031.95

320 2,655.75 738.19 3,393.94 120,376.21

321 2,671.68 722.26 3,393.94 117,704.52

322 2,687.71 706.23 3,393.94 115,016.81

323 2,703.84 690.10 3,393.94 112,312.97

324 2,720.06 673.88 3,393.94 109,592.90

325 2,736.38 657.56 3,393.94 106,856.52

326 2,752.80 641.14 3,393.94 104,103.72

327 2,769.32 624.62 3,393.94 101,334.40

328 2,785.93 608.01 3,393.94 98,548.47

329 2,802.65 591.29 3,393.94 95,745.82

330 2,819.47 574.47 3,393.94 92,926.35

331 2,836.38 557.56 3,393.94 90,089.97

332 2,853.40 540.54 3,393.94 87,236.56

333 2,870.52 523.42 3,393.94 84,366.04

334 2,887.74 506.20 3,393.94 81,478.30

335 2,905.07 488.87 3,393.94 78,573.23

336 2,922.50 471.44 3,393.94 75,650.73

337 2,940.04 453.90 3,393.94 72,710.69

338 2,957.68 436.26 3,393.94 69,753.01

339 2,975.42 418.52 3,393.94 66,777.59

340 2,993.28 400.67 3,393.94 63,784.31

341 3,011.24 382.71 3,393.94 60,773.08

342 3,029.30 364.64 3,393.94 57,743.78

343 3,047.48 346.46 3,393.94 54,696.30

344 3,065.76 328.18 3,393.94 51,630.53

345 3,084.16 309.78 3,393.94 48,546.38

346 3,102.66 291.28 3,393.94 45,443.71

347 3,121.28 272.66 3,393.94 42,322.43

348 3,140.01 253.93 3,393.94 39,182.43

349 3,158.85 235.09 3,393.94 36,023.58

350 3,177.80 216.14 3,393.94 32,845.78

351 3,196.87 197.07 3,393.94 29,648.92

352 3,216.05 177.89 3,393.94 26,432.87

353 3,235.34 158.60 3,393.94 23,197.52

354 3,254.76 139.19 3,393.94 19,942.77

355 3,274.28 119.66 3,393.94 16,668.48

356 3,293.93 100.01 3,393.94 13,374.55

357 3,313.69 80.25 3,393.94 10,060.86

358 3,333.58 60.37 3,393.94 6,727.28

359 3,353.58 40.36 3,393.94 3,373.71
360 3,373.70 20.24 3,393.94 0.00
合計 500,000.00 721,818.78 1,221,818.78

㈤ 深圳房子面積114平方,總價440萬,貸款未付清,過戶給兒子需要多少費用兒子沒有

貸款未付清無法過戶，因為你的房產還處於貸款抵押狀態，想過戶必須還完貸款解押後才可以過戶。在貸款期間，其實你的房產在一定意義上並不完全屬於你，只有還完貸款解押後才完全屬於你。

㈥ 貸款一萬塊錢一年利息440怎麼樣

這個年利率是4.4%,比公積金貸款利率3.25%稍微高點，但是比其他商業銀行貸款利率不算高，好多銀行利率是6%左右。

㈦ 從廈門銀行房貸貸44萬，年利率4.9%，貸30年，每個月還3300正常嗎

不正常。

a、貸款44萬，年利率4.9%，貸款30年，每月等額本息還款2335.20元。

b、貸款44萬，貸款30年，每月還款3300元，實際年利率應為8.241%。可在各銀行網站進行利息測算。

一、人民幣業務的利率換算公式為（註：存貸通用）：

1、日利率(‱)=年利率(%)÷360=月利率(‰)÷30

2、月利率(‰)=年利率(%)÷12

二、銀行可採用積數計息法和逐筆計息法計算利息。

1、積數計息法按實際天數每日累計賬戶余額，以累計積數乘以日利率計算利息。計息公式為：

利息=累計計息積數×日利率，其中累計計息積數=每日余額合計數。

2、逐筆計息法按預先確定的計息公式利息=本金×利率×貸款期限逐筆計算利息，具體有三：

計息期為整年(月)的，計息公式為：

①利息=本金×年(月)數×年(月)利率

計息期有整年(月)又有零頭天數的，計息公式為：

②利息=本金×年(月)數×年(月)利率+本金×零頭天數×日利率

同時，銀行可選擇將計息期全部化為實際天數計算利息，即每年為365天(閏年366天)，每月為當月公歷實際天數，計息公式為：

③利息=本金×實際天數×日利率

這三個計算公式實質相同，但由於利率換算中一年只作360天，但實際按日利率計算時，一年將作365天計算，得出的結果會稍有偏差。具體採用那一個公式計算，央行賦予了金融機構自主選擇的權利。因此，當事人和金融機構可以就此在合同中約定。

(7)440萬貸款30年擴展閱讀：

銀行利息調整有三種形式：一是央行基準利率調整後，貸款利率在次年的年初（通常是1月1日起）執行新利率；二是滿年度調整，即每還款滿一年，調整執行新的利率；三是雙方約定，一般在銀行利率調整後的次月執行新利率。

通常，包括工行、農行、建行等在內的大多數銀行遵循第一種方式，也有少數銀行採用後兩種方式，供樓者一定要弄清楚自己的房貸調整方式，保證還款賬戶中有足額資金劃扣，以避免產生逾期。

公積金貸款利率的調整一律在每年的1月1日。

《貸款通則》規定：

一、貸款利率的確定：貸款人應按照中國人民銀行規定的貸款利率的上下限，確定每筆貸款利率，並在借款合同中載明；

二、貸款利息的計收：貸款人和借款人應當按照借款合同和中國人民銀行有關計息規定，按期計收或交付利息。貸款的展期期限加上原期限達到新的利率檔次時，從展期之日起，按新的期限檔次利率計收。逾期貸款按規定計收罰息。

三、貸款的貼息：根據國家政策，為了促進某些產業和地區經濟的發展，有關部門可以對貸款補貼利息。對有關部門貼息的貸款，承辦銀行應自主審查發放，並根據《貸款通則》有關規定嚴格管理。

四、貸款停息、減息和免息：除國務院規定外，任何單位和個人無權決定停息、減息、和免息。貸款人應當根據國務院的決定，按照職責許可權范圍具體辦理停息、減息和免息。

㈧ 買房貸款差440萬 分期還款要每個月還多少

買房貸款差440萬 分期還款要每個月供，最多30年
等額本金首月月供30188元
等額本息月供23351元