住房貸款可行性分析報告

購置商品房的貸款方案分析隨著貸款買房這一消費方式日益為市民所承受式更省錢？圍圍著這幾個方面我做了如下調(diào)查與分析。購房背景：90~110656530%；20萬元。購房須知：貸款購房需滿足的條件貸款人需有良好的信譽度已經(jīng)或局部還清購房款的首付有力量按期歸還貸款，需要有證明或者他人的擔(dān)保20~65歲之間必需滿足有關(guān)購房的法律和政策等目前的貸款方式：住房公積金貸款方式：住房公積金治理中心可以發(fā)放的公積金貸款，最高限額一般為10~29萬元，假設(shè)購房款超過這個限額，缺乏局部要向銀行申請住房商業(yè)性貸款。個人住房商業(yè)行貸款。個人住房組合貸款：以上兩種貸款合起來稱之為組合貸款。此項業(yè)務(wù)可由一個銀行的房地產(chǎn)信貸部統(tǒng)一辦理。組合貸款利率較為適中，貸款金額較大，因而較多被貸款者選用。還款方式等額本金還款方式等額本息還款方式從20122011率執(zhí)行，其中，首套房貸款利率如下表：個人住房公積金貸款個人住房商業(yè)性貸款1：2012個人住房公積金貸款個人住房商業(yè)性貸款貸款年限年利率(%)月利率(‰)年利率(%)月利率(‰)一至三年(含三年)4.453.7083336.655.541667三至五年(含五年)4.453.7083336.95.750000五年以上4.94.0833337.055.875000住房貸款分析：〔1〕該套住房的首付為F=65*0.3=19.5〔萬元〕〔2〕還需貸款額為M=65-19.5=45.5〔萬元〕我們假設(shè)此家庭可以貸到最大限額的住房公積金款項為2915.5萬元需要進(jìn)展個人商業(yè)性住房貸款，所以他們的貸款方式有兩種，我們就以這兩種方式爭論分析貸款方式1〕個人住房商業(yè)性貸款方式〔〕個人住房組合貸還款方式1〕等額本金還款方式 〔〕等額本息還款方還款方式計算等額本息還款設(shè)貸款額為a，月利率為i，還款月數(shù)為n，每月還款額為b，還款利息總和為Y①：Ynbay1

ai其次月還款利息為：y (aib)(1i)1b2第三月還款利息為：y (aib)(1i)2b3第四月還款利息為：y (aib)(1i)3b4.....nyn

(aib)1i)n1b求以上和為：Y(aib[(1i)n1inb③故:bai1i)

[(1i)n

1]①等額本金還款法還款公式：M①等額本金還款法還款公式：ML/N(LS)R②故月平均還款額為：B(MN其中M--每月還款額L--R--N--還款期數(shù)S--B—平均還款額數(shù)個人住房商業(yè)型貸款還款計算結(jié)果等額本息還款個人住房商業(yè)性貸款月還款額2：商業(yè)型貸款等額本息還款結(jié)果表個人住房商業(yè)性貸款月還款額貸款年限年利率(%)月利率(‰)還款期數(shù)：每萬元月還款額：每萬元總還款額：每萬元16.655.54166745.526.655.541667242.02994148.7185736.655.541667361.39763850.3149846.95.75481.08744452.1973356.95.75600.89880953.9285667.055.875720.77682355.9312377.055.875840.6878357.7776987.055.875960.62146759.6608297.055.8751080.57018961.58037107.055.8751200.52946763.53602117.055.8751320.4964265.52745127.055.8751440.46912767.55429137.055.8751560.44625769.61614147.055.8751680.42686171.71258157.055.8751800.4102473.84317167.055.8751920.39587276.00741177.055.8752040.38335778.20482187.055.8752160.37238480.43487197.055.8752280.36270682.69701207.055.8752400.35412884.99069等額本金還款方式3：商業(yè)型等額本金還款結(jié)果表個人住房商業(yè)性貸款月還款額還款期數(shù)：貸款年限 年利率(%) 月利率(‰)每萬元貸款年限年利率(%)貸款年限年利率(%)月利率(‰)16.655.541667每萬元/每萬元/每萬元45.526.655.541667242.01665348.3996836.655.541667361.3864649.9125546.95.75481.0748951.5947356.95.75600.88584753.1508367.055.875720.76374454.9895977.055.875840.67373256.5934787.055.875960.60622258.1973497.055.8751080.55371559.80122107.055.8751200.51170961.40509117.055.8751320.47734163.00897127.055.8751440.448764.61284137.055.8751560.42446666.21672147.055.8751680.40369467.82059157.055.8751800.38569169.42447167.055.8751920.36993971.02834177.055.8752040.3560472.63222187.055.8752160.34368674.23609197.055.8752280.33263175.83997207.055.8752400.32268377.44384

月還款額：每萬元月還款額：

總還款額：每萬元總還款額：個人住房組合貸款還款計算結(jié)果等額本息還款

個人住房公積金：每萬元個人住房商業(yè)型：每萬元4個人住房公積金：每萬元個人住房商業(yè)型：每萬元貸款年限還款期數(shù)月還款額總還款額月還款額總還款額112/29/16.52241.26513930.363340.71982117.275693360.86201331.032470.49045617.65644480.66064831.711130.37588618.042545600.53998832.399310.30723518.434096720.46569933.530330.26496719.07767840.40852234.315850.23243519.524548960.36575935.112820.20810419.9779991080.33260435.92120.1892420.43792101200.30617436.740930.17420320.90432111320.28463637.571970.16194821.37716121440.26676638.414270.15178121.85639131560.25171639.267750.14321822.342141680.23888340.132360.13591622.83393151800.22782241.008020.12962323.33215161920.21820141.894650.12414923.83661172040.20976642.792190.11934924.34728182160.20231743.700530.11511224.8641192280.195744.61960.11134725.38702202400.18978945.54930.10798325.91598等額本金還款

5：組合貸款等額本金還款結(jié)果表公積金貸款：每萬元公積金貸款：每萬元商業(yè)性貸款：每萬元貸款年限還款期數(shù)112月還款額/1.259864總還款額29月還款額/0.731313805總還款額16.522430.2367317.55153133360.85783330.881980.50278212118.10015634480.65681731.527230.39024039718.73153915600.53620832.172480.32167322919.30039386720.46116433.203790.27698093919.94262767840.40374233.914290.24433405120.52406038960.36067534.624790.21983886721.104531391080.32717935.335290.20079774321.6861563101200.30038236.0457902685891111320.27845736.7562908494063121440.26018637.466790.16271549523.4310313131560.24472638.1772900126563141680.23147538.8877905942813151800.21999139.5982901759063161920.20994240.3087907575313172040.20107541.019290.12911351126.3391563182160.19319341.729790.12463324726.9207813192280.18614242.440290.12062458927.5024063202400.17979543.150790.11701679728.0840313住房貸款分析個人住房商業(yè)型貸款方式單位：萬元每月還款數(shù)總還款數(shù)單位：萬元每月還款數(shù)總還款數(shù)等額本息還款 等額本金還款 等額本息還款 等額本金還款單位：年10045.545.522.0299412.01665348.7185748.3996831.3976381.3864650.3149849.9125541.0874441.0748952.1973351.5947350.8988090.88584753.9285653.1508360.7768230.76374455.9312354.9895970.687830.67373257.7776956.5934780.6214670.60622259.6608258.1973490.5701890.55371561.5803759.80122100.5294670.51170963.5360261.40509110.496420.47734165.5274563.00897120.4691270.448767.5542964.61284130.4462570.42446669.6161466.21672140.4268610.40369471.7125867.82059150.410240.38569173.8431769.42447160.3958720.36993976.0074171.02834170.3833570.3560478.2048272.63222180.3723840.34368680.4348774.23609190.3627060.33263182.6970175.83997200.3541280.32268384.9906977.44384額本金的還款方式比較劃算，但是應(yīng)考慮多種因素再做貸款還款方式?jīng)Q策。們以242.113984到第十一個月時還款額為2.0204692.029941萬元；面月份較大的歸還金額，就應(yīng)慎重選擇還款方式。還的總額越多；其次,要考慮到貸款家庭每月的工資應(yīng)高于要每月歸還的貸款額。例如我們假設(shè)這個家庭的平均月收入〔除日常開銷〕是5000元，假設(shè)是有力量歸還前期11、12或13歸還，則按等額本息還款，年數(shù)為11年的總的還款金額數(shù)最少。其實在考慮還款方式時還有一個很重要的因素就是回報率問題考慮通貨膨脹而造成的人民幣貶值的問題本息還款方式回報率高。字或者聽說什么樣的還款方式是比較合算的利于自己的住房貸款還款打算。個人住房組合貸款方式

單位：萬元每月還款數(shù)總還款數(shù)單位：萬元每月還款數(shù)總還款數(shù)等額本息還款 等額本金還款 等額本息還款 等額本金還款單位：年10045.545.521.9913361.99117847.6390447.782631.3606851.36061548.6888748.9821441.0470581.03653549.7536650.2587750.8578810.84722350.833451.4728760.7381450.73066652.6079353.1464270.6480760.64095753.8403954.4383580.5805140.57386355.0908155.7293290.5279760.52184456.3591257.02145