440万贷款30年

㈠ 用公积金贷款60万，30年还，利息4.5%，怎么算

首先说明一下：住房公积金贷款利率由中国人民银行发布，全国统一执行。目前执行的利率是：5年期以内的（含5年）年利率2.75%，5年期以上的年利率3.25%，没有你说的4.5这个标准。
公积金贷款60万元，期限30年，利率是3.25%，有两种还款方式，计算如下（假设贷款期内利率保持不变）：
1、等额本金还款法：到期支付利息293312.50元，累计还本付息893312.50元；
2、等额本息还款法：到期支付利息340045.65元，累计还本付息940045.65元；
等额本金法每月归还本金固定，利息随着本金的减少而减少，缺点是初期还款额多，优点是累计支付利息少。等额本息法每月归还本息固定，便于安排家庭支出，缺点是累计支付利息多。

㈡ 440万的借款年利率百分之12,每月还8万,几年还清

440万元的借款，年利率百分之12,那么利息是：12%*4400000=528000元，本利合计：528000+4400000=4928000元。每月还8万,需要4928000/80000=61.6个月，合：61.6/12=5.13，也就是5年多可以还清。

㈢ 银行贷款440万元2年利息是多少

要知道你做的是购房贷款还是抵押才能准确回答你,如是抵押贷款的,不同银行的利率有所不同,目前银行抵押贷款利率通常上浮30%左右，2年期的利率为6.175%.

㈣ 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

㈤ 深圳房子面积114平方,总价440万,贷款未付清,过户给儿子需要多少费用儿子没有

贷款未付清无法过户，因为你的房产还处于贷款抵押状态，想过户必须还完贷款解押后才可以过户。在贷款期间，其实你的房产在一定意义上并不完全属于你，只有还完贷款解押后才完全属于你。

㈥ 贷款一万块钱一年利息440怎么样

这个年利率是4.4%,比公积金贷款利率3.25%稍微高点，但是比其他商业银行贷款利率不算高，好多银行利率是6%左右。

㈦ 从厦门银行房贷贷44万，年利率4.9%，贷30年，每个月还3300正常吗

不正常。

a、贷款44万，年利率4.9%，贷款30年，每月等额本息还款2335.20元。

b、贷款44万，贷款30年，每月还款3300元，实际年利率应为8.241%。可在各银行网站进行利息测算。

一、人民币业务的利率换算公式为（注：存贷通用）：

1、日利率(‱)=年利率(%)÷360=月利率(‰)÷30

2、月利率(‰)=年利率(%)÷12

二、银行可采用积数计息法和逐笔计息法计算利息。

1、积数计息法按实际天数每日累计账户余额，以累计积数乘以日利率计算利息。计息公式为：

利息=累计计息积数×日利率，其中累计计息积数=每日余额合计数。

2、逐笔计息法按预先确定的计息公式利息=本金×利率×贷款期限逐笔计算利息，具体有三：

计息期为整年(月)的，计息公式为：

①利息=本金×年(月)数×年(月)利率

计息期有整年(月)又有零头天数的，计息公式为：

②利息=本金×年(月)数×年(月)利率+本金×零头天数×日利率

同时，银行可选择将计息期全部化为实际天数计算利息，即每年为365天(闰年366天)，每月为当月公历实际天数，计息公式为：

③利息=本金×实际天数×日利率

这三个计算公式实质相同，但由于利率换算中一年只作360天，但实际按日利率计算时，一年将作365天计算，得出的结果会稍有偏差。具体采用那一个公式计算，央行赋予了金融机构自主选择的权利。因此，当事人和金融机构可以就此在合同中约定。

(7)440万贷款30年扩展阅读：

银行利息调整有三种形式：一是央行基准利率调整后，贷款利率在次年的年初（通常是1月1日起）执行新利率；二是满年度调整，即每还款满一年，调整执行新的利率；三是双方约定，一般在银行利率调整后的次月执行新利率。

通常，包括工行、农行、建行等在内的大多数银行遵循第一种方式，也有少数银行采用后两种方式，供楼者一定要弄清楚自己的房贷调整方式，保证还款账户中有足额资金划扣，以避免产生逾期。

公积金贷款利率的调整一律在每年的1月1日。

《贷款通则》规定：

一、贷款利率的确定：贷款人应按照中国人民银行规定的贷款利率的上下限，确定每笔贷款利率，并在借款合同中载明；

二、贷款利息的计收：贷款人和借款人应当按照借款合同和中国人民银行有关计息规定，按期计收或交付利息。贷款的展期期限加上原期限达到新的利率档次时，从展期之日起，按新的期限档次利率计收。逾期贷款按规定计收罚息。

三、贷款的贴息：根据国家政策，为了促进某些产业和地区经济的发展，有关部门可以对贷款补贴利息。对有关部门贴息的贷款，承办银行应自主审查发放，并根据《贷款通则》有关规定严格管理。

四、贷款停息、减息和免息：除国务院规定外，任何单位和个人无权决定停息、减息、和免息。贷款人应当根据国务院的决定，按照职责权限范围具体办理停息、减息和免息。

㈧ 买房贷款差440万 分期还款要每个月还多少

买房贷款差440万 分期还款要每个月供，最多30年
等额本金首月月供30188元
等额本息月供23351元