青島銀行青島科技大學(xué)人才公寓個(gè)人裝修貸款方案

青島銀行-青島科技大學(xué)人才公寓個(gè)人裝修貸款方案為滿足學(xué)校教職工個(gè)人裝修業(yè)務(wù)需求，針對(duì)青島科技大學(xué)人才公寓裝修項(xiàng)U,我行特制訂了如下貸款方案：一、貸款額度>普通教師及行政人員最高可貸20萬(wàn)元>正高及副處及以上教師最高可貸30萬(wàn)元>5年（含）以內(nèi)…■■信用貸款或雙人互保>5年以上10年（含）以內(nèi)雙人互保>等額本金或等額本息還款1.利率雖上浮20%,但采用等額本金或等額本息的還款方式總付出的利息數(shù)不高，還款的詳細(xì)明細(xì)見(jiàn)附件。2.每月還款金額較少，生活質(zhì)量不受貸款影響。3.青島銀行服務(wù)上乘，帶給您家一樣的溫馨感受。?按月等額還款匯總年限期數(shù)(丿年利率月利率貸款額月還款額?按月等額還款詳細(xì)計(jì)算結(jié)果還款期數(shù)(JJ)每期還款額本期應(yīng)還本金木期應(yīng)還利息剩余木金198627.642631.2297246.542012.361398.88613.452012.361407.83604.5362012.361416.845972012.361425.9182012.361135.0392012.36102012.36122012.361472.13142012.36152012.36192012.3620201212012.36222012.36232012.36242012.36252012.361599.42262012.361609.66272012.36292012.361640.76371.656421.41312012.361661.833322012.361672.47332012.36342012.361693.91352012.361701.78還款期數(shù)（丿每期還款額木期應(yīng)還本金木期應(yīng)還利息剩余木金1）362012.36372012.361726.68285.382012.361737.73392012.361748.85112012.361771.3422012.361782.64132012.361442012.361805.53462012.361828.72183.64472012.361810.42171.9425025.22492012.361864.512012.552012.361936.7975.57987572012.361961.6650.75960.6592合計(jì)120741.6100000.0220741.58/?此方案總的利息支岀為20741.58元。?此方案若使用信用貸款需另支付保險(xiǎn)費(fèi)用為本金的2%o,第一年200元，第二年165元,第三年130元，第四年90元，第五年46元，合計(jì)金額631元。?按月遞減還款匯總J)期數(shù)(丿年利率6.4%o貸款額?按月遞減還款詳細(xì)計(jì)算結(jié)果還款期數(shù)(JJ)123456789每期還款額2306.6722962285.342274.6722642242.6722322221.342210.6722002189.312178.6721682157.342146.6721362125.342114.6721042082.6720722050.6720402029.342018.672008本期應(yīng)還本金木期應(yīng)還利息576544512501.33448416剩余木金98333.3396666.6694999.9993333.3291666.6589999.9886666.6184999.9783333.381666.6379999.9678333.2976666.6274999.9573333.2871666.6169999.9468333.2766666.664999.9363333.2661666.5959999.9258333.2556666.5851999.9153333.2451666.5749999.948333.2346666.5644999.8943333.2241666.55還款期數(shù)（丿每期還款額木期應(yīng)還本金木期應(yīng)還利息剩余木金39999.8838333.2136666.5434999.8733333.2213.3331666.5329999.8626666.5224999.8521666.519999.S26666.484999.8121.33/?此方案總的利息支岀為19520元。?此方案若使用信用貸款需另支付保險(xiǎn)費(fèi)用為本金的2%。，第一年200元，第二年160元,第三年120元，第四年80元，第五年40元，合計(jì)金額600元。?按月等額還款匯總期數(shù)（丿年利率月利率貸款額月還款額7.68%64%o200000元4024.72元?按月等額還款詳細(xì)計(jì)算結(jié)果還款期數(shù)（丿J）每期還款額木期應(yīng)還木金木期應(yīng)還利息剩余木金24024.722762.291262.4334024.722779.961244.761944564024.722833.681191.0484024.722870.071154.6517754494024.7212184024.723059.1496204024.723098.42926.3141636.3214024.723118.25906.471224024.723138.2886.521353234024.723158.29866.43132221.56244024.723178.5846.22129043.06254024.723198.84825.88125844.22264024.723219.32805.4122624.9274024.723239.92784.8119384.98284024.723260.66761.06116124.32294024.723281.52743.2112842.8304024.723302.53722.191095314024.723323.66701.0610324024.723344.93679.7910334024.72344024.723387.89636.8396117.45354024.723409.57還款期數(shù)每期還款額木期應(yīng)還木金木期應(yīng)還利息剩余木金4024.723431.39593.3389276.49374024.723453.35571.3738?1024.723475.45549.27394024.723497.69527.03404024.723520.08501.6475329.92414024.723542.61424024.723565.28459.4468222.03434024.723588.1436.62444024.723611.06413.6661022.87454024.723634.17390.5464024.723657.43367.2953731.27474024.723680.84343.8850050.43484024.723704.4320.3246346.03494024.723728.11504024.723751.97272.7538865.9551?1024.723775.98248.7452?1024.72534024.723824.47200.2527165.36544024.723848.94175.7823616584024.723948.4276.37972.74594024.723973.6951.03合計(jì)241483.19999999998200000.0S41483.12■?此方案總的利息支岀為4148342元。?此方案若使用信用貸款需另支付保險(xiǎn)費(fèi)用為本金的2%o,第一年400元，第二年331元,第三年258元，第四年178元，第五年93元，合計(jì)金額1260元。?按月遞減還款匯總期數(shù)（丿年利率6.4%o貸款額200000元3333.33元?按月遞減還款詳細(xì)計(jì)算結(jié)果每期還款額木期應(yīng)還木金木期應(yīng)還利息剩余木金14613.333333.33245923333.3334570.663333.3344549.335452864506.6674485.338446494442.664421.3344004378.663333.334357.333333.3343363333.334314.663333.334293.3342724250.664229.3342084186.664165.333333.3341444122.664101.333333.3340803333.334058.663333.334037.333333.3340163994.66661.333973.3396666.7793333.445763333.3383333.45還款期數(shù)每期還款額3738.663717.333397.333354.66239039.8木期應(yīng)還木金3333.333333.333333.333333.333333.33木期應(yīng)還利息51244821.33剩余木金73333.4666666.863333.4756666.8153333.4846666.8236666.8333333.526666.8423333.513333.53/?此方案總的利息支岀為39040元。?此方案若使用信用貸款需另支付保險(xiǎn)費(fèi)用為本金的2%o,第一年400元，第二年320元,第三年240元，第四年160元，第五年80元，合計(jì)金額1200元。?按月等額還款匯總期數(shù)（丿年利率6.4%o貸款額300000元6037.08元?按月等額還款詳細(xì)計(jì)算結(jié)果還款期數(shù)（丿1）每期還款額木期應(yīng)還木金木期應(yīng)還利息剩余木金26037.084143.431893.65291739.4936037.084169.951867.132846037.084196.631840.45283372.56037.084223.491813.5927914966037.084250.521786.56274898.986037.084305.11731.9896037.084332.661704.42116037.08?1388.291648.79126037.084416.381620.7136037.084444.64146037.084473.09156037.084501.72166037.084530.53176037.08?1559.5196037.084618.07206037.084647.631389.4521245216037.084677.371359.71226037.084707.311329.77236037.084737.431299.6519S332.34246037.084767.751269.33193564256037.084798.271238.8118S766.32266037.08286037.08?1890.981146.1296037.084922.29306037.084953.791083.29161310316037.084985.491051.59326037.085017.336037.08346037.085081.83356037.085114.35922.73還款期數(shù)每期還款額木期應(yīng)還木金木期應(yīng)還利息剩余木金5147.086037.085180.036037.085213.18823.96037.085216.54790.545280.125313.915347925382.1596950.895416.59620.4991534.35451.2686083.015486.1580596.895521.2675075.635556.6480.4869519.036037.085592.16444.9263926.876037.085627.9558298.925663.9752634.955700.2246934.735736.741198.035773.4135424.625810.3629614.265847.5523766.715884.975922.645960.545998.565998.69362224.862224.67?ta?此方案總的利息支岀為62224.67元。?此方案若使用信用貸款需另支付保險(xiǎn)費(fèi)用為本金的2%。，第一年600元，第二年498元,第三年387元，第四年268元，第五年139元，合計(jì)金額1892元。?按月遞減還款匯總年限期數(shù)(月)年利率貸款額300000元還款期數(shù)(JJ)123456789?按月遞減還款詳細(xì)計(jì)算結(jié)果每期還款額本期應(yīng)還本金木期應(yīng)還利息59925960592858965864583250005000500050005000500050005000500050005000500050005000500050005000500050005000500050005000500050005000500050005000500050005000500050005000剩余木金295000290000285000280000275000270000265000260000255000250000245000210000235000230000225000220000215000210000205000200000還款期數(shù)（丿每期還款額木期應(yīng)還本金木期應(yīng)還利息剩余木金5800500057685000573650005701500056725000561050009500056085000900005576500057685000554450005448000055125000512750005480500048070000544850004486500054165000416600005384500055000535250005000053205000450005288500040000525650005224500051925000250005160500020000512850005096500050645000500050325000035856030000058560/?此方案總的利息支岀為58560元。?此方案若使用信用貸款需另支付保險(xiǎn)費(fèi)用為本金的2%。，第一年600元，第二年480元,第三年360元，第四年240元，第五年120元，合計(jì)金額1800元。按月等額還款匯總及明細(xì)年限期數(shù)（丿J）年利率月利率貸款額月還款額還款期數(shù)（丿打每期還款額本期應(yīng)還本金木期應(yīng)還利息剩余木金21205.89554.541205.8951205.89565.47661205.8971205.89572.9891205.89580.436121205.89591.91191205.89201205.89623.64582221205.89631.84574.231205.89635.98569.251205.89644.3456261205271205.89652.815281205.89657.08291205.89661.39301205.89665.72540.17311205.89670.08321205.89674.47331205.89678.89341205.89683.33351205.89687.81361205.89692.31371205.89696.85701.41504.4874901.51490.674186.22485.9273466.25481.272741.56729.43476.4671277.9270538.969795.01457.16452.2568292.67758.57763.5466770.56768.5466002.02773.5865228.44427.2563666.06417.01411.8561283.89801.48401.4160179.4159669.6658851.6158031.2257208.4556377.2855540.6654698.5653850.9552997.7852139.03341.5151274.6550104.6149528.87881.4848647.39887.2546867.0845063.3744152.65289.243235.96283.242313.2741384.5338561.66252.58959.5636648.7935682.95978.5333732.25214.4931755.9130758.02201.4729753.628742.627724.9726700.6825669.6824631.9323587.3822535.9921477.7120412.590.8783.5768.81936961.378224.4853.877072.465912.894745.733570.9223.392388.4299999.8744706.93/此方案總的利息支岀為44706.93元。按月遞減還款匯總及明細(xì)D123456789年利率每期還款額6.55%o木期應(yīng)還木金貸款額木期應(yīng)還利息619.54622.25600.42589.5578.58562.21551.29529.46524518.54491.25469.42463.96剩余木金99166.6798333.3197500.0196666.6895833.3595000.0294166.6993333.3692500.0391666.790833.3790000.0187500.0585000.0683333.482500.0780833.4180000.0878333.4277500.0975833.4375000.174166.7773333.4470833.4568333.46447.5865833.47431.2164166.81420.2963333.4861666.82403.9260833.49398.4659166.83387.5458333.557500.1756666.8455833.5154166.8553333.5251666.86338.4250833.5350000.249166.8748333.54316.5847500.2146666.8845833.5545000.2244166.89289.2943333.5642500.2341666.940833.5740000.2439166.91256.5438333.5837500.2536666.9235833.59234.7135000.26229.2534166.9332500.2731666.94207.4230833.6130000.2829166.9528333.6227500.2926666.9625833.6325000.324166.9723333.6421666.98975.2520833.65953.42931.58915.2181.88904.299167.038333.7882.465833.71871.544167.052500.39844.255.46139627.2700000000299999.639627.67//此方案總的利息支出為39627.67元。按月等額還款匯總及明細(xì)還款期數(shù)（丿打每期還款額22411.7832411.7842411.7852411.7862411.7872411.7882411.7892411.78102411.78112411.78122411.78132411.78202411.78212411.78222411.78232411.78242411.78252411.78262411.78272411.78282411.78292411.78302411.78312411.78322411.78332411.78342411.78352411.78362411.78372411.78本期應(yīng)還本金貸款額200000元木期應(yīng)還利息2411.78元剩余木金2411.782411.782411.78990.522411.78981.212411.782411.78962.412411.782411.782411.782411.782411.78914.322411.78904.512411.782411.782411.782411.782411.78854.492411.78844.292411.782411.782411.78813.292411.782411.782411.782411.782411.782411.78749.432411.78738.542411.78727.582411.78716.552411.78705.452411.78694.272411.782411.78671.72411.78660.399057.832411.7897294.882411.78637.282411.7893734.262411.7891936.442411.7890126.842411.782411.78578.486472.012411.7884626.622411.78554.32411.7880899.52411.7879017.612411.78517.5777123.42411.782411.7873297.672411.78480.171365.992411.78467.4569121.662411.7867464.592411.78441.8965494.72411.78428.9963511.912411.784162411.782008.85402.9359507.282411.782022.0157485.272411.782035.25376.5355450.022411.782018.5853401.442411.78206251339.442411.782075.5149263.932411.782089.147174.832411.782102.7845072.052411.782116.56295.222411.782130.4240825.072411.782144.38267.438680.692411.782158.4236522.272411.782172.56239.222411.782186.79224.9932162.922411.7829961.812411.782215.5327746.282411.782230.0425516.242411.782244.6523271.592411.7821012.242411.782411.782289.052411.782304.042411.7892.652411.789191.552411.782349.617111.942411.7823654776.942411.782380.492396.452411.782396.08289413.689113.97/此方案總的利息支出為89413.97元。按月等額還款匯總及明細(xì)還款期數(shù)（丿打每期還款額2342943.9262922.0982900.259202769.25212758.31222747.42232736.5242725.59252714.67262703.75272692.84282681.92302660.09322638.25342616.42352605.5362594.59372583.677.86%6.55%o本期應(yīng)還本金貸款額200000元木期應(yīng)還利息993.42982.5971.58剩余木金2572.752561.812550.92884.2525402529.09862.42851.52507.25840.582485.422174.52463.592452.672441.752430.84764.172419.9224092398.09731.422376.25709.582354.422313.52332.5999999.82321.672310.75644.0896666.462299.8494999.792288.92622.252278611.3391666.452267.09600.422256.17589.52245.25578.5886666.442234.312223.4283333.12212.581666.432201.59534.922190.6752478333.092179.7576666.422168.842157.9273333.08214771666.412136.08458.568333.072114.25447.5866666.164999.732092.4263333.062081.52070.58403.9159999.722059.6758333.052048.7556666.382037.8354999.712026.9253333.04201651666.372005.08338.4149999.748333.03316.5844999.6943333.0241666.3539999.6838333.0134999.67229.2531666.33207.4129999.6628332.9926666.3224999.6523332.9821666.3198.2587.339999.628332.956666.284999.613332.9121.83279255.25200000.479254.85/此方案總的利息支岀為79254.85元。按月等額還款匯總還款期數(shù)（丿打每期還款額203617.67213617.67223617.67233617.67243617.67253617.67263617.67273617.67283617.67293617.677.86%6.55%o本期應(yīng)還本金2010.232023.42036.652049.992063.422076.912090.54貸款額300000元木期應(yīng)還利息3617.67元剩余木金298347.33296683.81295009.45293324.09291627.69288201.49286471.51284730.26282977.57281213.4279437.68277650.33275851.27274010.43272217.72270383.08268536.42266677.66264806.73262923.51261028.02259120.08257199.65255266.64253320.97251362.55249391.3245409.99243399.76241376.36239339.71237289.72235226.3233149.36231058.822104.23