等额本息和等额本金的区别？是
提问者 : vicky_zzzz
时间 : 2016-01-23 20:02
所属分类 : 买房-收房验房
回答详情共有2个回答
赵立超
《等额本息和等额本金的区别》 等额本息法 等额本息法最重要的一个特点是每月的还款额相同，从本质上来说是本金所占比例逐月递增，利息所占比例逐月递减，月还款数不变，即在月供“本金与利息”的分配比例中，前半段时期所还的利息比例大、本金比例小，还款期限过半后逐步转为本金比例大、利息比例小。 等额本金法 等额本金法最大的特点是每月的还款额不同，呈现逐月递减的状态;它是将贷款本金按还款的总月数均分，再加上上期剩余本金的利息，这样就形成月还款额，所以等额本金法第一个月的还款额最多 ，然后逐月减少，越还越少。
2016-01-23 20:07
大秦帝国
都差不太多了
2016-03-16 14:26
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