① 房贷贷50万，因为要提前还款，请问用20年等额本息好还是30年等额本金好呢，谢谢
有能力，又准备提前还贷款，当然首选最少的时间，如你说的，应该选择20年的。
② 按揭买房贷款30年好还是贷款20年好。（买房子贷款50万，我是打算10年后全部还清。）
你好！
按揭是30年还是20年要看你个人的经济实力和生活态度。
因为按揭30年，那么每月的还款会相对比较少，可以多留一些钱作为生活只用，例如出去旅个游什么的，提高生活品质。但是按揭30年会比20连产生更多的利息。
按揭20年，每个月的还款更多，可能在经济上面更窘迫。但是需要支付给银行的利息更少。
在不影响生活质量的前提下，一般是越早还清越好。需要根据自己的情况来选。
③ 哪位朋友帮忙解释一下房屋商业贷款50万年限30年每月还款多少20年又是多少
按住房贷款的标准··我用工行的利率和贷款计算器给你计算
50万
30年：
贷款金额：500000元 贷款期限：30.0年
贷款年利率：7.20 还款方式：等额本息
期数 应还本金 应还利息 月还款额 贷款余额
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
合计 500,000.00 721,818.78 1,221,818.78
④ 贷款50万,还房贷20年与30年的利息相差多少啊
以现行基准利率5.4%不上浮也不下浮计算：
1、贷50万20年等额本息还款法总利息：
318,686.24
贷50万20年等额本金还款法总利息：
271,118.87
2、贷50万30年等额本息还款法总利息：
510,744.96
贷50万30年等额本金还款法总利息：
406,120.30
⑤ 买房贷款50万20年的和30年的大概要还多少钱
贷款50万，大概20年要还75～80万；
30年要还87.5 ～95万。
如果是二套房贷，贷款还款就超过100万了。
⑥ 我贷款50万还20年和30年每个月各需要还多少钱
基准利率，等额本息的话：20年月供为3742.60元；30年月供为3176.80元；等额本金的话：20年期首月还款额为4,812.50元，以后每月递减11.37元；30年期的首月还款额为4,118.06元，以后每月递减7.58元。望采纳哦！
⑦ 本人贷款50万，如还房贷20年与30年的区别，哪个划得来，预计5年内不提前还款，跪谢各位大侠指点
期限越长,利息越多,这是显然的
如果有能力还是尽快还掉
还款方式上,等额本金和等额本息还款两者差别不是很大
前者随着时间推移,需要还款的数量会稍微减少
可以选择
⑧ 我在建行商业贷款55万，是按揭20年，还是30年好
要看你的还款能力而定。
若有较富裕的经济实力还是按揭20年划算一些，时间拖久了，利息很多的，有时候，会赶上房子本来的价格了，若是利息等于本金，那就是花双倍的价钱买房子了，这一样挺不划算的。
若有更多的还款能力，选择等额本金还款法，先期还款金额较大些，但所付的利息也就少些。
也就是说贷款20年等额本金还款法的利息最少，20年等额本息还款法的利息第二少，30年等额本金还款法的利息第三少，30年等额本息还款法的利息最多。