等额本金还款法中为什么第一月的还款额比以后月份的还款额明显多？？-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	等额本金还款法中为什么第一月的还款额比以后月份的还款额明显多？？
释义	等额本金还款法中为什么第一月的还款额比以后月份的还款额明显多？？因为第一个月是没有还过款的，已还累计金额是0，是用全额本金计息的，所以还款金额明显多。等额本金贷款计算公式：每月还款金额= （贷款本金/ 还款月数）+（本金 — 已归还本金累计额）×每月利率等额本金还款法特点：等额本金还款法本金保持相同，利息逐月递减，月还款数递减；由于每月的还款本金额固定，而利息越来越少，贷款人起初还款压力较大，但是随时间的推移每月还款数也越来越少。这样解释好理解吗？该内容由杨振军律师和律说律答共创回答
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