按揭房的利息是多少-银行贷款法律援助-法律咨询免费平台-国际律师联盟

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问题	按揭房的利息是多少
释义	按揭房的利息与还款方式息息相关。选择不同的还款方式，就有不同的贷款利息计算方式。比较常见的还款方式有等额本金和等额本息。等额本金就是将贷款额按还款期数均等分为N期，按每期未还本金额乘贷款利率等到当期应还利息。等额本息就是将贷款期间的本利和年金化，每期偿还的本息和均相等。利息计算较复杂，每期利息均不相等，但每期的本息和相等。等额本息计算公式：月还款额=本金月利率[(1+月利率)^n/[(1+月利率)^n-1]。等额本金计算方式：月还款额=本金/n+剩余本金*月利率。
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