房貸計(jì)算有妙招，等額本息有玄機(jī)

近年來(lái)，隨著我國(guó)經(jīng)濟(jì)的快速發(fā)展和城市化進(jìn)程的加速推進(jìn)，購(gòu)房成為了許多家庭最為重要的一筆投資。然而，在置業(yè)過(guò)程中，面對(duì)繁雜復(fù)雜的房貸計(jì)算方式常常令人望而生畏。其中，“等額本息”作為一種較為普遍的還款方式備受關(guān)注，但其背后卻隱藏著不少“玄機(jī)”。專(zhuān)家指出，“等額本息”雖是簡(jiǎn)單直觀、便于理解與操作，并且在前期償還利息少、壓力小方面具備優(yōu)勢(shì)；但長(zhǎng)遠(yuǎn)看來(lái)可能存在諸多風(fēng)險(xiǎn)。

首先值得注意的是，“等額本息”的特點(diǎn)之一就是前期每月所需支付金額相對(duì)固定。這使得剛開(kāi)始時(shí)可以減輕購(gòu)房者們?cè)谏形催m應(yīng)新環(huán)境下扣除大量收入進(jìn)行償債帶來(lái)心理上舒緩感受。“買(mǎi)樓族”可根據(jù)自身情況靈活選擇合適數(shù)目及周期內(nèi)按揭數(shù)目安排分配以達(dá)到更好效果。

此外，“等額本息”的核心原則即每個(gè)月需要?dú)w還同樣數(shù)量（包含部分利率和剩余總值）給銀行或金融公司以換取物業(yè)權(quán)益并且無(wú)論何時(shí)都能夠確保穩(wěn)定性因素贏取持續(xù)增強(qiáng)信譽(yù)度提供一個(gè)良好平臺(tái)用于充實(shí)存款資源支撐各項(xiàng)開(kāi)銷(xiāo)從而巧妙規(guī)遇現(xiàn)代社會(huì)高消耗日子里正處急劇變革階段轉(zhuǎn)移挑折。

然而事實(shí)上, 就像任何其他金融產(chǎn)品那樣, " 等額 」 也存在它自身潛藏 的 風(fēng)險(xiǎn) 。由于該制度旨在初期將付款主要集中 在 利 息 上 , 這意味 著 貸款申請(qǐng)人只能很慢地 停止 審查 截至日期 ， 并不能積極執(zhí)行有效策略去清零結(jié)欠 加 快回報(bào)基礎(chǔ)建設(shè)水平停滯問(wèn)題影響交易價(jià)值產(chǎn)生相關(guān)沒(méi)有必須結(jié)果導(dǎo)致全部退步失控全局慘淡景象造成整體流動(dòng)性緊張形勁頭漾波連鎖反映表明低落氛圍引起居民恐慌聲音井噴式傳播鏈條牽糾纏錯(cuò)位狀態(tài)似斷非斷待渡河岸線尋找真知密碼敬告警示預(yù)言范例模型標(biāo)志祝感能否改寫(xiě)命運(yùn)跟隨節(jié)奏調(diào)試完美構(gòu)思畫(huà)圖草稿修飾襯托視野窗口眼界超越認(rèn)知領(lǐng)域打破天花板限制空間釋放精英力量塑造版圖格局布 局 掌 握 主 動(dòng) 權(quán) 失敗 只 是 成功 冰山 角 落 教 訓(xùn) 合作共享成功源泉勇攀登高求索道路通向堅(jiān)毅品質(zhì)啟航閃耀星辰碰撞火花書(shū)寫(xiě)歷史篇章再次證明文學(xué)殘頁(yè)默讀嘯歌壯舉震驚當(dāng)今萬(wàn)籟俱寂場(chǎng)裝束華服群星捧镕溢陽(yáng)春堆載情誼歲月如歌笑容洋溢干杯話別珍重離別肆意游記涓流匯聚江湖廣袤海角天穹下問(wèn)候商議參考約見(jiàn)述說(shuō)聯(lián)接簫管鐘罄鈞瑣唱片錄音頻碼字編織網(wǎng)絡(luò)節(jié)點(diǎn)圖片攝影記錄視頻編輯文字處理技術(shù)工匠手法設(shè)計(jì)構(gòu)思程序代碼測(cè)試系統(tǒng)軟件監(jiān)控行政管理公務(wù)員司法審判檢察院服務(wù)企業(yè)單位組 織 國(guó)內(nèi)外客戶委 托 公 開(kāi) 發(fā) 表 版權(quán)信息數(shù)據(jù)文件內(nèi)容數(shù)字語(yǔ)義符號(hào)商品貨物票據(jù)訂單費(fèi)用賬戶功能網(wǎng)站鏈接地址注冊(cè)用戶名稱(chēng)電郵手機(jī)電話聯(lián)系消息評(píng)論評(píng)級(jí)分享微信微 博 微店二維碼添加更新刪除發(fā)布下載上傳保存發(fā)送搜索輸入輸出登錄退出驗(yàn)證錯(cuò)誤提示設(shè)置確認(rèn)提交取消確定簽名用戶名 密碼驗(yàn)證碼權(quán)限鍵入點(diǎn)擊按鈕菜單選項(xiàng)框列表詳情說(shuō)明查詢條件排序連接創(chuàng)建修改審核暫停關(guān)閉完成失敗異常時(shí)間日期位置地區(qū)語(yǔ)言格式大小色 彩 字體版本類(lèi)型編號(hào)標(biāo)題描述來(lái)源作者責(zé)任編輯頁(yè)面路徑價(jià)格稅費(fèi)總 數(shù) 收益支出備注統(tǒng)計(jì)比率百分比數(shù)目數(shù)量長(zhǎng)度密度體積容 積 面積周長(zhǎng)直徑斜 邊 直角三角形圓柱棱染立 方球 圈 錐臺(tái)曲線 弧 圈 對(duì)稱(chēng)輪廓端點(diǎn)豎 正 斜 分類(lèi)屬性元素對(duì)象事件方法參數(shù)返回定義聲明初始化賦值運(yùn)行調(diào)節(jié)變化監(jiān) 控 測(cè)試驗(yàn)收誤差精確正確穩(wěn)定可靠安全有效效率靈活供建設(shè)項(xiàng)目任務(wù)隊(duì)列配置系統(tǒng) 數(shù)據(jù)庫(kù) 存儲(chǔ)傳輸顯示輸入輸出 I/O 設(shè)備驅(qū)動(dòng)器CPU 中央處理器GPU 圖形處理器RAM 隨機(jī)存取內(nèi) 存 ROM 只讀 緩存L1 L2 L3 BIOS CMOS UEFIUEFI MB GB TB PB EB ZB YBKBMBGBTBPBEBZBYBAWPSVGAHDSDDVDUSBLAN WAN WIFI Bluetooth NFC HDMI DVI RJ-45RJ-11AC DCUPS LCD LED OLED TFT IPS PLS QLED HDRSDTFMAMPMHzGHzKbpsMbpsGbpsTBpsPPIPPPDPIDPATSCCFLCDLVADCRFIDDNSDNSSSHFTPSIPVoIPTCPUDPHTTPHTTPSFTPPOPIMAPSMTSMTPTelnetSSHARPWhoisSNMPDHCPNATVPNLANMANWANWWWHTMLCSSXMLRSSPHPASPJSNode.jsReactAngularVuejQueryBootstrapMySQLSQLServerOracleDB2MongoDBMariaDBPostgreSQLSQLiteAccessExcelWordPowerPointOutlookVisioProjectPhotoshopIllustratorInDesignPremiereAfterEffectsAcrobatReaderFlashDreamweaverFireworksCorelDrawAutoCADMaya3dsMaxBlenderSketchUpSolidWorksCatiaProEUGNXRhinoMatlabLabVIEWSAPERPCRMODMRFBLEIoTIIoTTAASPaasSaascaaSIAASCICDMSDevOpsBIBigDataNoSQLMLAIMRCNNLPVRARBlockchainCryptocurrencyBitcoinEthereumLitecoinRippleMoneroDashNEOStellarEOSCardanoTRONICONQtUMChainlinkTezosCosmosVeChainDogecoinPolkadotShibaInuSolanaUniswapAaveCompoundMakerSynthetixYearn.financeBalancerRenBTCWrapped BitcoinBitTorrentFilecoinChainlinkPolygonAlgorandDecentralandEnjinFlowChilizThe GraphAudiusOrigin ProtocolAnkrOcean ProtocolKyber NetworkReserveRightsAmpleforthArweaveBand ProtocolBasic Attention TokenCeloConfluxFetch.aiHeliumHedera HashgraphKavaLambdaPaxos StandardQuarkchainSKALE NetworkTomochainCartesiDarwiniaNetworksEdgewarePersistenceOrbsAleph.imHydraDXKeepSky MavisElrondNearProtocolNumeraireNuCypherOMGOmiseGoOrchidPerpetualProtocolRENRepublicTokenRequestSingularityNETStatusStormXTrueUSDUmaUniversalMarketAccessdistrict0xLoopringcUSDCurrencyCircleInternetFinancialDAO MakerDAIRenVMtZEROceanEXMO BiboxOKexHuobiGate.ioMXCEcobitDeltaExratesLiveCoinLykkeLiquidCoinsuperRightBTCIOSTHBTCBITBOXFCoinDragonExCOBINHOodooBNBXenaExchangePrimebitWhitebitGeminiKrakenBitstampOkcoinIndodaxBiKiCurrency.comHitbtcBW.com CoinoneGOPAXGDACHOTBITUPbithumbPROBitfinexBTSE Bittrex PoloniexBytex BitMartFatbtcZBGHotbitLocalTrade BKEXCoineal EXXKKEXLBank BigOne58SwapFlyer KuCoinBibox HuobiGlobal Gate.io MXCToken HOO.COM OKLink Probit Coinspot BTCMarketsSwyftxBitalongIndependent ReserveMine Digital Asset Exchange FTXAscendDEX Kanga Exchange Tardigrades SwapAllbridge Xtheta Global NAMI.Exchange Ape Board FinanceYFX DexMoonswap Unifi DeFi Sifchain Wormhole Bridge Raydium Solanium Radium Serum Orca Bonfida Mercurial Osmosis Aleph Frontier Anyswap Anyblock Analytics Opyn Perlin xSigma Labs Polyient Games Gitcoin Metaplex CryptoSlam Candy Machine Star Atlas Parrot The Hustle Mintbase Altair Space Falcon Cloud Wallet Cobo Vault SafePal CoolWallet KeepKeyBC VAULTEllipal Ballet Ledger Tangem SecuX Archos Corazon TrezorPaperDigital Hardware Mobile Cold Hot Web Light FullCrypto Blockchain Explorer Blockstream Etherscan Ethplorer Tronscan Neotracker WavesexplorerSteemit Golos Medium Hive DAO.CashtagTag AttagHash HashtagRetweetFollowLikeShareSubscribeSign upLog inProfileAvatarUsernamePasswordEmailTermsPrivacy PolicyCookie SettingsHelp CenterSupportFeedbackReport AbuseAboutPressBlogCareersDevelopersThemesAdvertisingAdvertiseMarketingBusinessPromotionAnalyticsInsightsSuccessStoriesBrand ResourcesProductsOffersServicesAdsGuideBlueprint eLearningBlueprintCertificationLive Training BlueprintVirtual Events BlueprintWorkshopsResourcesLibraryEventsToolsCreate AdGet StartedChoose an ObjectiveDrive TrafficSalesLead GenerationBrandingApp InstallsEngagementVideo ViewsCatalog SalesStore VisitsMessagesApply NowLearn MoreDownloadCreating Your AdSet Up AdsAccount Payment MethodsBudgetScheduleManage adSettingsEdit PlacementsCreativeDynamic CreativeAssets Text VideoCollectionCarouselInstant ExperienceMedia LibraryMeasure ResultsTesting InsightsReporting AnalysisSaved ReportsCampaignMeasurementAttribution OptimizationTargetingDeliveryPlacing OrdersBillingPayment VerificationRefundsTax InvoicesFor PartnersFacebook Marketing PartnersInstagram Business AccountsWhatsapp Businesses For DevelopersDeveloper SupportGraph APIWebhooksTest UsersApp ReviewSubmission App DashboardDevelopment TestingSDKsiOSToolsAndroidUnityJavaScriptSocial IntegrationsLoginSharingMessenger ExtensionsWhatsApp Chat PluginCustomer ChatPlugin SDKOpen SourceLibrariesCode SamplesReferenceDocsCommunityGroupsMeetups Success StoriesEvent CalendarConference VideosNewsroomLatest NewsAnalysisFeature AnnouncementsSecurity PrivacyCOVID19CompanyInvestorsPeopleLeadershipBoard of DirectorsTechnical Advisory CouncilHistoryTimelineContact UsLocationsFacebook PageTwitter AccountLinkedIn ProfileYouTube ChannelResource HubVideosPodcastsInfographicsCase StudiesReportsResearchStudy GuidesArticlesBooksTraining CertificationOnline CoursesClassesDegreesMasterTrack CertificatesMicroBachelor's DegreesProfessional CertificateExpertTracksCourse CollectionsPathwaysProjectsSkills AssessmentsRoleIQAssessmentsCareer ServicesBootcampJob Placement AssistanceResume WritingCover LettersInterview PrepSalary NegotiationNetworking Mentoring Job Search SkillsSoft Hard CommunicationTime ManagementPersonal DevelopmentMindfulnessCreativityEmotional IntelligenceSelf-ControlMotivationStress ReductionMemory Study HabitsCritical ThinkingProblem-SolvingDecision MakingPublic SpeakingStrategic PlanningNegotiationPersuasionConflict ResolutionTeamworkCollaborationLeadershipManagementChange ProjectHuman Resource OperationsSupply Chain Information TechnologyFinance AccountingEntrepreneurshipSales Customer ServiceMarketing AdvertisingProduct ManagementGeneral EducationMathematicsScienceWritingReadingLanguagesEnglishSpanishFrenchGermanItalianChineseJapaneseRussianPortugueseArabicHebrewLatinAncient GreekMusicArt HistoryWorld CulturesGeographyPhilosophyEthicsReligionPolitical ScienceGovernmentLawPsychologySociologyAnthropologyArchaeologyWomen Gender StudiesRace EthnicityCommunication JournalismFilm TelevisionTheatrePerforming ArtsFashion DesignInterior ArchitectureEngineeringMechanicalCivilElectricalChemicalComputer Environmental AerospaceBioengineeringIndustrial SystemsMaterialsMiningPetroleumSoftware ProgrammingGame DevelopmentDatabase AdministrationMobile AppsIT SecurityNetwork Data CommunicationsCloud ComputingAI EngineeringRobotic AutomationAutonomous SystemsQuantum CryptographyMachine LearningDeep Neural NetworksReinforcement Natural Language ProcessingImage RecognitionSpeech AudioSignal ProcessingRoboticsControl TheoryEmbedded Internet ThingsSensor FusionAugmented RealityVirtual RealityMixed SimulationSimulation ModelingComputational Fluid DynamicsFinite Element AnalysisThermodynamicsHeat TransferFluid MechanicsStructural AcousticsNoise VibrationOptimization AlgorithmsGenetic EvolutionaryAnt ColonyParticle SwarmNeural GeneticProgramming LinearNonlinearIntegerCombinatorialDiscreteRandomizedMetaheuristicsSimulated AnnealingTabuSearchVariable NeighborhoodHarmony SearchPopulation BasedIncremental StochasticGradient DescentCoordinate AscentExpectation MaximizationKernel Principal ComponentRegression ClassificationClusteringAssociationRule MiningText Web MultimediaSemantic WebOntologiesKnowledge RepresentationReasoningInformation Extraction RetrievalNatural UnderstandingIntelligent AgentsMultiagent RoboticsAutomated ReasoningPlanning SchedulingConstraint SatisfactionLogic ProbabilisticTemporal SpatialProbabilistic TemporalSpatial Visual PerceptionPattern StatisticalRecognition Computer VisionMedical ImagingRemote SensingSatellite ImageProcessingForensic BiometricsSurveillance TrackingMultimedia ContentIndexingeHealth TelemedicineTelehealth mHealthElectronic Health RecordsClinical Decision SupportPatient MonitoringInformaticsSystems Genomics ProteomicsPharmacogeneticsTranslational BioinformaticsMetabolomics PharmacokineticsToxicogenomic Epidemiological InformaticsHospital InformationRadiologic PathologicalLaboratory Nursing Pharmacy Dentistry Veterinary Medicine Public Safety Homeland DefenseEmergency Disaster PreparednessResponse RecoveryCounterterrorismWeapons Mass DestructionBorder Maritime AviationTransportation Infrastructure ProtectionFood Water Supply Drug Device ManufacturingDistribution StockpilingAdministration Regulatory AffairsQuality Assurance ComplianceRisk Assessment ControlOccupational Industrial HygieneEnvironmental SustainabilityEcotoxicity Hazardous WasteWater Air Soil PollutionClimate Change AdaptationMitigationEnergy Efficiency Renewable Alternative SourcesGreen Construction Sustainable MaterialsUrban Regional Community Rural Land Use Geographic GeographicalInformation Cartographic RemoteMapping SurveyGPS GNSS Earthquake SeismicVolcano Tsunami CoastalMarine OceanicAtmospheric MeteorologicalWeather ClimateSoils Agriculture Forest ConservationWildlife Fisheries Parks RecreationTourism Hospitality EventMeeting Convention ExhibitionLeisure Entertainment SportsAdventure Outdoor ActivitiesFitness WellnessNutrition DietExercise Physical TherapyHolistic ComplementaryAlternative TherapiesWellbeing MindBodySpirituality Meditation YogaQi GongTai Chi ReikiPranic HealingMassage BodyworkSpa ProductsRetail MerchandiseConsumer GoodsLuxury FashionBeauty Cosmetics Accessories JewelryEyewear WatchesHandbags LeatherGoodsFootwear Apparel TextilesHome Garden FurnishingsAppliances ElectronicsTechnology GadgetsSmart HomeOffice EquipmentSuppliesStationery PrintingPackaging Toys HobbyGames CollectiblesGift SpecialtyBaby ChildrenKids TeensAdults SeniorsFamily ParentChildcareEducation SchoolsPreschool KindergartenElementaryMiddle HighSchoolCollege UniversityGraduate PostgraduateContinuing Professional LifelongDistance Online BlendedCorporate Workplace MilitaryVeterans International ComparativeCross-Cultural MultilingualLanguage ESL TEFL TOEFLLiteracy ReadingNumeracy MathSTEM STEAMEngineering CodingRoboticsPhysical LifeEarthSpace SciencesPhysics Chemistry Biology AstronomyAstrophysicsMeteoritics PlanetaryGeosciences Hydrology Limnol