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我们以1万元为例,对于贷款期限从1年到20年的等额本息还款方式和等额本金还款方式的还款额作一个比较,随着贷款年限的增加,等额本息还款方式和等额本金还款方式其所还本息和的差异越大。一般的购房人只知道贷款必须偿还利息,可是,采用不同的还贷方法,利息却有不同。贷款额20万元、期限30年的,利息差额将近4万元。
We take 10,000 yuan as an example, for the loan term from 1 year to 20 years of equal principal and interest repayment and equal principal repayments for a comparison, with the increase in the loan period, equal principal and interest repayment And the equivalent repayment of principal repayment of the principal and the greater the difference between them. The general buyers only know that the loan must repay the interest, however, using different methods of repayment, the interest is different. Loan 200,000 yuan for a period of 30 years, the interest difference of nearly 40,000 yuan.