房贷 年利率 6.55 贷32万 20年 月供是多少 20年利息是多少 8.5折 怎么换算

月利率乘以12就是年利率!4.158%

大哥,我服你了!
黄凤家教育和房贷支出共占总支出的多少?食品支出比房贷支出少多少?
1. 20%+25%=45% 答：……
2. 30%-25%=5% 答：……

对家庭住户的正面影响：
The positive effects on domestic households:

(1) 对于还未购买住房的住房者,且想通过按揭偿还贷款来购置住房者来说,需要为房贷所支付的利息将下降,减少购房者的的成本.
To those, who still haven’t bought their own homes and would like to purchase through
mortgages, the mortgages interest payments will be reduced and the costs for the property buyers
will also be less.

(2) 对于已经购置了住房者,并且通过按揭偿还贷款者来说,由于存款准备金的下调,导致通货膨胀率的上涨,虽然你所支付的名义贷款金额不变,但是实际贷款金额是减少的,对于按揭偿还贷款者来说是有利的.
To those, who are already homeowners and they are currently paying mortgages then because of the downward adjustment of the depositreserve, leading to the rise of inflation. Although their payment
amounts remained the same, the actual amounts have reduced, which would good for people with
mortgages.

对家庭住户的负面影响：
The negative effects to the domestic households:

(1) 对于那些想进行炒房者来说是不利的,虽说房价是在节节攀升,但是通货膨胀率也在逐年上升,若通货膨胀率上升至50%,则意味着你所拥有的房子的实际价值的下降.
To those property speculators, it is not good. May be the property prices are steadilyincreasing, but
the inflation rates are also on the up. If the inflation rate has gone up to 50% then it also means that
the actual value of the property that you owned has gone down too.
(2) 若家庭住户的工资的上涨速度低于房价上升的速度,将会导致有更多的住户买不起房子.
When the income increasing rate of the domestic households is lower than the inflation rate, which
would mean that there will be more people can’t afford to buy the own homes.

设上层x,下层y
x=3y+18,x-80=y+80,
x=231,
y=71

initial period of the housing loan
initial housing loan
initial period [简明英汉词典]
初始(周)期

这是新浪的一个房贷计算器,很棒的,只要按你的要求输入会有很详细的结果.

Credit crisis (subprimelending crisis) and says the subprime crisis,
also translated as the subprime crisis. It refers to a occurred in the
United States, because of the subprime mortgage lenders bankruptcy,
investment funds were forced to close, stock market volatility caused by
the storm. It resulted in major global financial market liquidity
shortage crisis loomed. The United States "subprime crisis" began
gradually revealed in the spring of 2006. In August 2007, swept across
the United States, the European Union and Japan and other major world
financial markets.

.200/(25%-20%)=4000元
.30%=4000*30%=1200元

银行还贷一般是按月计算的!比较麻烦!贷款年限10年一个利率!5年之内一个利率!这两个是不同的!
第一个月：还款本金+当月利息；就是说你每月假定还2000的话,月利率千分之5,利息就是1250,用2000-1250就是你归还的本金=750!
第二个月：750+（250000-750）0.005=1996,每月少还750元的利息
以此类推!
前期只要是归还银行利息的!也就是说你几年之内就已经把银行的贷款的利息换上了后面归还本金!以上是不等额还贷!还有等额还贷方式!道理基本上一致!

小民的爸爸每月工资的20分之7还房贷,5分之1参加储备,其他用于生活,
生活费占工资的 = 1- 7/20 - 1/5
= (20 - 7 - 4 ) /20
= 20分之 9
施主,我看你骨骼清奇,
器宇轩昂,且有慧根,
乃是万中无一的武林奇才.
潜心修习,将来必成大器,
鄙人有个小小的考验请点击在下答案旁的
"选为满意答案"

先看说明,后看公式：
等额本息还款法：每月以相同的额度偿还贷款本息,其中利息逐月递减,本金逐月增加.
等额本金还款法：每月以相同的额度偿还本金,由于本金减少,每月的利息也逐月减少,每月的还款额度也相应减少.
等额本息计算公式：〔贷款本金×月利率×（1＋月利率）＾还款月数〕÷〔（1＋月利率）＾还款月数－1〕
等额本金计算公式：每月还款金额 = （贷款本金 / 还款月数）+（本金 — 已归还本金累计额）×每月利率
其中＾符号表示乘方.
举例说明
假设第一次贷款购房,贷款20万,贷款20年,比较下两种贷款方式的差异：
等额本息还款法 20.0万元 20年 利率下浮15%

月还款 1325.33
合计还款 31.81万元
利息 11.81万元

等额本金还款法 20.0万元 20年 利率下浮15%

首月还款 1674.83 每月递减 3.51
合计还款 30.14万元
利息 10.14万元
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