装修贷款 10 万 2 年还清利息计算与还款计划
装修贷款利息计算
装修贷款利息通常采用两种计算方法：
- 等额本息还款法：在贷款期限内，按月偿还相同数额的还款额，包含利息和本金。利息计算公式为：
利息 = 贷款余额 x 利率 / 12
- 等额本金还款法：每月偿还相同数额的本金，加上该部分本金所产生的利息。利息计算公式为：
利息 = (贷款余额 - 已还本金) x 利率 / 12
还款计划表
以贷款期限为 2 年，贷款利率为 6% 为例，计算装修贷款 10 万元的还款计划表：
等额本息还款法：
| 月数 | 未还本息 | 利息 | 已还本金 | 已还利息 | 剩余本息 |
|---|---|---|---|---|---|---|---|
| 1 | 100,000 | 500 | 3,750 | 500 | 96,250 |
| 2 | 96,250 | 481.25 | 3,750 | 1,031.25 | 92,500 |
| 3 | 92,500 | 462.50 | 3,750 | 1,593.75 | 88,750 |
| 4 | 88,750 | 443.75 | 3,750 | 2,037.50 | 85,000 |
| 5 | 85,000 | 425.00 | 3,750 | 2,462.50 | 81,250 |
| 6 | 81,250 | 406.25 | 3,750 | 2,868.75 | 77,500 |
| 7 | 77,500 | 387.50 | 3,750 | 3,256.25 | 73,750 |
| 8 | 73,750 | 368.75 | 3,750 | 3,625.00 | 70,000 |
| 9 | 70,000 | 350.00 | 3,750 | 4,000.00 | 66,250 |
| 10 | 66,250 | 331.25 | 3,750 | 4,375.00 | 62,500 |
| 11 | 62,500 | 312.50 | 3,750 | 4,687.50 | 58,750 |
| 12 | 58,750 | 293.75 | 3,750 | 5,031.25 | 55,000 |
| 13 | 55,000 | 275.00 | 3,750 | 5,356.25 | 51,250 |
| 14 | 51,250 | 256.25 | 3,750 | 5,712.50 | 47,500 |
| 15 | 47,500 | 237.50 | 3,750 | 6,000.00 | 43,750 |
| 16 | 43,750 | 218.75 | 3,750 | 6,287.50 | 40,000 |
| 17 | 40,000 | 200.00 | 3,750 | 6,562.50 | 36,250 |
| 18 | 36,250 | 181.25 | 3,750 | 6,875.00 | 32,500 |
| 19 | 32,500 | 162.50 | 3,750 | 7,187.50 | 28,750 |
| 20 | 28,750 | 143.75 | 3,750 | 7,531.25 | 25,000 |
| 21 | 25,000 | 125.00 | 3,750 | 7,875.00 | 21,250 |
| 22 | 21,250 | 106.25 | 3,750 | 8,250.00 | 17,500 |
| 23 | 17,500 | 87.50 | 3,750 | 8,637.50 | 13,750 |
| 24 | 13,750 | 68.75 | 3,750 | 9,000.00 | 10,000 |
| 25 | 10,000 | 50.00 | 3,750 | 9,250.00 | 6,250 |
| 26 | 6,250 | 31.25 | 3,750 | 9,500.00 | 2,500 |
| 27 | 2,500 | 12.50 | 3,750 | 9,687.50 | 0 |
等额本金还款法：
| 月数 | 未还本息 | 利息 | 已还本金 | 已还利息 | 剩余本息 |
|---|---|---|---|---|---|---|---|
| 1 | 100,000 | 500 | 4,583.33 | 500 | 95,416.67 |
| 2 | 95,416.67 | 477.08 | 4,583.33 | 977.08 | 90,833.33 |
| 3 | 90,833.33 | 454.17 | 4,583.33 | 1,431.25 | 86,250.00 |
| 4 | 86,250.00 | 431.25 | 4,583.33 | 1,862.50 | 81,666.67 |
| 5 | 81,666.67 | 408.33 | 4,583.33 | 2,270.83 | 77,083.33 |
| 6 | 77,083.33 | 385.42 | 4,583.33 | 2,684.25 | 72,500.00 |
| 7 | 72,500.00 | 362.50 | 4,583.33 | 3,106.25 | 67,916.67 |
| 8 | 67,916.67 | 339.58 | 4,583.33 | 3,530.83 | 63,333.33 |
| 9 | 63,333.33 | 316.67 | 4,583.33 | 4,025.00 | 58,750.00 |
| 10 | 58,750.00 | 293.75 | 4,583.33 | 4,50