這里有兩種還款方法：等額本息和等額本金 先計(jì)算等額本息還款法： 每月還款額=[貸款本金×月利率×（1+月利率）^還款總期數(shù)]÷[（1+月利率）^還款總期數(shù)-1] 套公式得：每月還款額=[350000×5.94%/12×(1+5.94%/12)^300]/[(1+5.94%/12)^300-1]=2242.24元 還款總額為：672670.64元 等額本金還款法 月還款額=本金÷貸款期限(月)+(本金-已還本金)×月利率 每月的還款額并不固定，而是隨著每月利息的變化而變化的，是一個(gè)遞減的過(guò)程。 如果你要的話，我這里也有一個(gè)還款表 期數(shù) 每月還款本金 每月利息 每月還款總額 剩余本金 1 1166.67 1732.50 2899.17 348833.33 2 1166.67 1726.72 2893.39 347666.67 3 1166.67 1720.95 2887.62 346500.00 4 1166.67 1715.17 2881.84 345333.33 5 1166.67 1709.40 2876.07 344166.67 6 1166.67 1703.62 2870.29 343000.00 7 1166.67 1697.85 2864.52 341833.33 8 1166.67 1692.07 2858.74 340666.67 9 1166.67 1686.30 2852.97 339500.00 10 1166.67 1680.52 2847.19 338333.33 11 1166.67 1674.75 2841.42 337166.67 12 1166.67 1668.97 2835.64 336000.00 13 1166.67 1663.20 2829.87 334833.33 14 1166.67 1657.42 2824.09 333666.67 15 1166.67 1651.65 2818.32 332500.00 16 1166.67 1645.87 2812.54 331333.33 17 1166.67 1640.10 2806.77 330166.67 18 1166.67 1634.32 2800.99 329000.00 19 1166.67 1628.55 2795.22 327833.33 20 1166.67 1622.77 2789.44 326666.67 21 1166.67 1617.00 2783.67 325500.00 22 1166.67 1611.22 2777.89 324333.33 23 1166.67 1605.45 2772.12 323166.67 24 1166.67 1599.67 2766.34 322000.00 25 1166.67 1593.90 2760.57 320833.33 26 1166.67 1588.12 2754.79 319666.67 27 1166.67 1582.35 2749.02 318500.00 28 1166.67 1576.57 2743.24 317333.33 29 1166.67 1570.80 2737.47 316166.67 30 1166.67 1565.02 2731.69 315000.00 31 1166.67 1559.25 2725.92 313833.33 32 1166.67 1553.47 2720.14 312666.67 33 1166.67 1547.70 2714.37 311500.00 34 1166.67 1541.92 2708.59 310333.33 35 1166.67 1536.15 2702.82 309166.67 36 1166.67 1530.37 2697.04 308000.00 37 1166.67 1524.60 2691.27 306833.33 38 1166.67 1518.82 2685.49 305666.67 39 1166.67 1513.05 2679.72 304500.00 40 1166.67 1507.27 2673.94 303333.33 41 1166.67 1501.50 2668.17 302166.67 42 1166.67 1495.72 2662.39 301000.00 43 1166.67 1489.95 2656.62 299833.33 44 1166.67 1484.17 2650.84 298666.67 45 1166.67 1478.40 2645.07 297500.00 46 1166.67 1472.62 2639.29 296333.33 47 1166.67 1466.85 2633.52 295166.67 48 1166.67 1461.07 2627.74 294000.00 49 1166.67 1455.30 2621.97 292833.33 50 1166.67 1449.52 2616.19 291666.67 51 1166.67 1443.75 2610.42 290500.00 52 1166.67 1437.97 2604.64 289333.33 53 1166.67 1432.20 2598.87 288166.67 54 1166.67 1426.42 2593.09 287000.00 55 1166.67 1420.65 2587.32 285833.33 56 1166.67 1414.87 2581.54 284666.67 57 1166.67 1409.10 2575.77 283500.00 58 1166.67 1403.32 2569.99 282333.33 59 1166.67 1397.55 2564.22 281166.67 60 1166.67 1391.77 2558.44 280000.00 61 1166.67 1386.00 2552.67 278833.33 62 1166.67 1380.22 2546.89 277666.67 63 1166.67 1374.45 2541.12 276500.00 64 1166.67 1368.67 2535.34 275333.33 65 1166.67 1362.90 2529.57 274166.67 66 1166.67 1357.12 2523.79 273000.00 67 1166.67 1351.35 2518.02 271833.33 68 1166.67 1345.57 2512.24 270666.67 69 1166.67 1339.80 2506.47 269500.00 70 1166.67 1334.02 2500.69 268333.33 71 1166.67 1328.25 2494.92 267166.67 72 1166.67 1322.47 2489.14 266000.00 73 1166.67 1316.70 2483.37 264833.33 74 1166.67 1310.92 2477.59 263666.67 75 1166.67 1305.15 2471.82 262500.00 76 1166.67 1299.37 2466.04 261333.33 77 1166.67 1293.60 2460.27 260166.67 78 1166.67 1287.82 2454.49 259000.00 79 1166.67 1282.05 2448.72 257833.33 80 1166.67 1276.27 2442.94 256666.67 81 1166.67 1270.50 2437.17 255500.00 82 1166.67 1264.72 2431.39 254333.33 83 1166.67 1258.95 2425.62 253166.67 84 1166.67 1253.17 2419.84 252000.00 85 1166.67 1247.40 2414.07 250833.33 86 1166.67 1241.62 2408.29 249666.67 87 1166.67 1235.85 2402.52 248500.00 88 1166.67 1230.07 2396.74 247333.33 89 1166.67 1224.30 2390.97 246166.67 90 1166.67 1218.52 2385.19 245000.00 91 1166.67 1212.75 2379.42 243833.33 92 1166.67 1206.97 2373.64 242666.67 93 1166.67 1201.20 2367.87 241500.00 94 1166.67 1195.42 2362.09 240333.33 95 1166.67 1189.65 2356.32 239166.67 96 1166.67 1183.87 2350.54 238000.00 97 1166.67 1178.10 2344.77 236833.33 98 1166.67 1172.32 2338.99 235666.67 99 1166.67 1166.55 2333.22 234500.00 100 1166.67 1160.77 2327.44 233333.33 101 1166.67 1155.00 2321.67 232166.67 102 1166.67 1149.22 2315.89 231000.00 103 1166.67 1143.45 2310.12 229833.33 104 1166.67 1137.67 2304.34 228666.67 105 1166.67 1131.90 2298.57 227500.00 106 1166.67 1126.12 2292.79 226333.33 107 1166.67 1120.35 2287.02 225166.67 108 1166.67 1114.57 2281.24 224000.00 109 1166.67 1108.80 2275.47 222833.33 110 1166.67 1103.02 2269.69 221666.67 111 1166.67 1097.25 2263.92 220500.00 112 1166.67 1091.47 2258.14 219333.33 113 1166.67 1085.70 2252.37 218166.67 114 1166.67 1079.92 2246.59 217000.00 115 1166.67 1074.15 2240.82 215833.33 116 1166.67 1068.37 2235.04 214666.67 117 1166.67 1062.60 2229.27 213500.00 118 1166.67 1056.82 2223.49 212333.33 119 1166.67 1051.05 2217.72 211166.67 120 1166.67 1045.27 2211.94 210000.00 121 1166.67 1039.50 2206.17 208833.33 122 1166.67 1033.72 2200.39 207666.67 123 1166.67 1027.95 2194.62 206500.00 124 1166.67 1022.17 2188.84 205333.33 125 1166.67 1016.40 2183.07 204166.67 126 1166.67 1010.62 2177.29 203000.00 127 1166.67 1004.85 2171.52 201833.33 128 1166.67 999.07 2165.74 200666.67 129 1166.67 993.30 2159.97 199500.00 130 1166.67 987.52 2154.19 198333.33 131 1166.67 981.75 2148.42 197166.67 132 1166.67 975.97 2142.64 196000.00 133 1166.67 970.20 2136.87 194833.33 134 1166.67 964.42 2131.09 193666.67 135 1166.67 958.65 2125.32 192500.00 136 1166.67 952.87 2119.54 191333.33 137 1166.67 947.10 2113.77 190166.67 138 1166.67 941.32 2107.99 189000.00 139 1166.67 935.55 2102.22 187833.33 140 1166.67 929.77 2096.44 186666.67 141 1166.67 924.00 2090.67 185500.00 142 1166.67 918.22 2084.89 184333.33 143 1166.67 912.45 2079.12 183166.67 144 1166.67 906.67 2073.34 182000.00 145 1166.67 900.90 2067.57 180833.33 146 1166.67 895.12 2061.79 179666.67 147 1166.67 889.35 2056.02 178500.00 148 1166.67 883.57 2050.24 177333.33 149 1166.67 877.80 2044.47 176166.67 150 1166.67 872.02 2038.69 175000.00 多了的話，還想總是提交不了！！ 嘿嘿，用excel，編一段小循環(huán)就OK了，一般地來(lái)說(shuō)，使用等額本息的，小樣的，佩服你啊，買(mǎi)房了。恭喜恭喜??！