前文“还贷的那些事IV——等增额还贷的计算”,介绍了等增额还款。
实际中,在增额贷款中还应该有本文介绍的等增幅贷款。
等增幅贷款,顾名思义,就是每一期的还款额较上期有一个固定幅度的增加。
还是,先介绍变量的定义:
1 初始本金(广义上的本金,实际乘以一个倍数就可以了)
P 利率。(一般指月利率,计算方式为年利率÷12)
N 期数。(还款的次数,如贷款10年,则N=120)
Ym 第m期还款额
Xm 第m期还款额中的本金
Sm 第m期还款额中的利息
Tm 第m期后剩余的本金
W 每月增加的还款幅度
由上面的定义可知,上面的变量之间是有关联的,满足下列式子
1≤m≤N
Ym=Xm+Sm ①
T0=1 ②
TN=0 ③
Sm=Tm-1×P ④
Tm=Tm-1-Xm ⑤
X1+X2+X3+……+XN=1 ⑥
推导的过程远较之前的复杂,而且是从另一个角度来推导,故推导过程这里就不赘述了。
1、P≠W
每月还款额:Ym=(1+P)N(P-W)(1+W)m-1/((1+P)N-(1+W)N)
每月还本金:Xm=((1+W)NP(1+P)m-1-(1+P)NW(1+W)m-1)/((1+P)N-(1+W)N)
当W=0时,此时就变成了等额还贷
Ym=(1+P)NP/((1+P)N-1)
Xm=(1+P)m-1P/((1+P)N-1)
2、P=W
每月还款额:Ym=(1+P)m/N
每月还本金:Xm=(1+P)m-1(1-NP+mP)/N
下面以例子来说明:
贷款本金:10万元;贷款年限:10年;利率:5.31%;增幅:6%
P=5.31%÷12=0.004425;N=120;W=6%÷12=0.005
月数 | 还款余额 | 还款本金 | 还款利息 | 月还款额 |
1 | 99633.66 | 366.34 | 442.50 | 808.84 |
2 | 99261.66 | 372.00 | 440.88 | 812.88 |
3 | 98883.94 | 377.72 | 439.23 | 816.95 |
4 | 98500.47 | 383.47 | 437.56 | 821.03 |
5 | 98111.20 | 389.27 | 435.86 | 825.14 |
6 | 97716.07 | 395.12 | 434.14 | 829.26 |
7 | 97315.06 | 401.02 | 432.39 | 833.41 |
8 | 96908.10 | 406.96 | 430.62 | 837.58 |
9 | 96495.15 | 412.95 | 428.82 | 841.76 |
10 | 96076.17 | 418.98 | 426.99 | 845.97 |
11 | 95651.10 | 425.07 | 425.14 | 850.20 |
12 | 95219.91 | 431.20 | 423.26 | 854.45 |
13 | 94782.53 | 437.38 | 421.35 | 858.73 |
14 | 94338.92 | 443.61 | 419.41 | 863.02 |
15 | 93889.03 | 449.89 | 417.45 | 867.34 |
16 | 93432.82 | 456.21 | 415.46 | 871.67 |
17 | 92970.23 | 462.59 | 413.44 | 876.03 |
18 | 92501.21 | 469.02 | 411.39 | 880.41 |
19 | 92025.72 | 475.50 | 409.32 | 884.81 |
20 | 91543.69 | 482.02 | 407.21 | 889.24 |
21 | 91055.09 | 488.60 | 405.08 | 893.68 |
22 | 90559.86 | 495.23 | 402.92 | 898.15 |
23 | 90057.94 | 501.91 | 400.73 | 902.64 |
24 | 89549.29 | 508.65 | 398.51 | 907.16 |
25 | 89033.86 | 515.44 | 396.26 | 911.69 |
26 | 88511.58 | 522.27 | 393.97 | 916.25 |
27 | 87982.42 | 529.17 | 391.66 | 920.83 |
28 | 87446.30 | 536.11 | 389.32 | 925.44 |
29 | 86903.19 | 543.11 | 386.95 | 930.06 |
30 | 86353.03 | 550.17 | 384.55 | 934.71 |
31 | 85795.75 | 557.27 | 382.11 | 939.39 |
32 | 85231.31 | 564.44 | 379.65 | 944.08 |
33 | 84659.66 | 571.65 | 377.15 | 948.80 |
34 | 84080.73 | 578.93 | 374.62 | 953.55 |
35 | 83494.47 | 586.26 | 372.06 | 958.32 |
36 | 82900.83 | 593.64 | 369.46 | 963.11 |
37 | 82299.74 | 601.09 | 366.84 | 967.92 |
38 | 81691.16 | 608.59 | 364.18 | 972.76 |
39 | 81075.01 | 616.14 | 361.48 | 977.63 |
40 | 80451.26 | 623.76 | 358.76 | 982.51 |
41 | 79819.83 | 631.43 | 356.00 | 987.43 |
42 | 79180.67 | 639.16 | 353.20 | 992.36 |
43 | 78533.72 | 646.95 | 350.37 | 997.33 |
44 | 77878.92 | 654.80 | 347.51 | 1002.31 |
45 | 77216.21 | 662.71 | 344.61 | 1007.32 |
46 | 76545.53 | 670.68 | 341.68 | 1012.36 |
47 | 75866.82 | 678.71 | 338.71 | 1017.42 |
48 | 75180.02 | 686.80 | 335.71 | 1022.51 |
49 | 74485.07 | 694.95 | 332.67 | 1027.62 |
50 | 73781.91 | 703.16 | 329.60 | 1032.76 |
51 | 73070.47 | 711.44 | 326.48 | 1037.92 |
52 | 72350.69 | 719.78 | 323.34 | 1043.11 |
53 | 71622.52 | 728.18 | 320.15 | 1048.33 |
54 | 70885.87 | 736.64 | 316.93 | 1053.57 |
55 | 70140.71 | 745.17 | 313.67 | 1058.84 |
56 | 69386.95 | 753.76 | 310.37 | 1064.13 |
57 | 68624.53 | 762.42 | 307.04 | 1069.45 |
58 | 67853.39 | 771.14 | 303.66 | 1074.80 |
59 | 67073.47 | 779.92 | 300.25 | 1080.17 |
60 | 66284.69 | 788.78 | 296.80 | 1085.58 |
61 | 65487.00 | 797.69 | 293.31 | 1091.00 |
62 | 64680.32 | 806.68 | 289.78 | 1096.46 |
63 | 63864.59 | 815.73 | 286.21 | 1101.94 |
64 | 63039.74 | 824.85 | 282.60 | 1107.45 |
65 | 62205.71 | 834.04 | 278.95 | 1112.99 |
66 | 61362.41 | 843.29 | 275.26 | 1118.55 |
67 | 60509.80 | 852.62 | 271.53 | 1124.15 |
68 | 59647.79 | 862.01 | 267.76 | 1129.77 |
69 | 58776.32 | 871.47 | 263.94 | 1135.41 |
70 | 57895.31 | 881.01 | 260.09 | 1141.09 |
71 | 57004.70 | 890.61 | 256.19 | 1146.80 |
72 | 56104.41 | 900.29 | 252.25 | 1152.53 |
73 | 55194.38 | 910.03 | 248.26 | 1158.29 |
74 | 54274.53 | 919.85 | 244.24 | 1164.09 |
75 | 53344.79 | 929.74 | 240.16 | 1169.91 |
76 | 52405.08 | 939.70 | 236.05 | 1175.76 |
77 | 51455.34 | 949.74 | 231.89 | 1181.63 |
78 | 50495.49 | 959.85 | 227.69 | 1187.54 |
79 | 49525.45 | 970.04 | 223.44 | 1193.48 |
80 | 48545.16 | 980.30 | 219.15 | 1199.45 |
81 | 47554.52 | 990.63 | 214.81 | 1205.44 |
82 | 46553.48 | 1001.04 | 210.43 | 1211.47 |
83 | 45541.95 | 1011.53 | 206.00 | 1217.53 |
84 | 44519.86 | 1022.09 | 201.52 | 1223.62 |
85 | 43487.12 | 1032.73 | 197.00 | 1229.73 |
86 | 42443.67 | 1043.45 | 192.43 | 1235.88 |
87 | 41389.42 | 1054.25 | 187.81 | 1242.06 |
88 | 40324.29 | 1065.13 | 183.15 | 1248.27 |
89 | 39248.21 | 1076.08 | 178.44 | 1254.51 |
90 | 38161.10 | 1087.11 | 173.67 | 1260.79 |
91 | 37062.87 | 1098.23 | 168.86 | 1267.09 |
92 | 35953.45 | 1109.42 | 164.00 | 1273.43 |
93 | 34832.75 | 1120.70 | 159.09 | 1279.79 |
94 | 33700.69 | 1132.06 | 154.13 | 1286.19 |
95 | 32557.19 | 1143.50 | 149.13 | 1292.62 |
96 | 31402.17 | 1155.02 | 144.07 | 1299.09 |
97 | 30235.54 | 1166.63 | 138.95 | 1305.58 |
98 | 29057.23 | 1178.32 | 133.79 | 1312.11 |
99 | 27867.13 | 1190.09 | 128.58 | 1318.67 |
100 | 26665.18 | 1201.95 | 123.31 | 1325.26 |
101 | 25451.28 | 1213.90 | 117.99 | 1331.89 |
102 | 24225.36 | 1225.93 | 112.62 | 1338.55 |
103 | 22987.31 | 1238.05 | 107.20 | 1345.24 |
104 | 21737.06 | 1250.25 | 101.72 | 1351.97 |
105 | 20474.52 | 1262.54 | 96.19 | 1358.73 |
106 | 19199.60 | 1274.92 | 90.60 | 1365.52 |
107 | 17912.21 | 1287.39 | 84.96 | 1372.35 |
108 | 16612.25 | 1299.95 | 79.26 | 1379.21 |
109 | 15299.66 | 1312.60 | 73.51 | 1386.11 |
110 | 13974.32 | 1325.34 | 67.70 | 1393.04 |
111 | 12636.15 | 1338.17 | 61.84 | 1400.00 |
112 | 11285.06 | 1351.09 | 55.91 | 1407.00 |
113 | 9920.96 | 1364.10 | 49.94 | 1414.04 |
114 | 8543.75 | 1377.21 | 43.90 | 1421.11 |
115 | 7153.34 | 1390.41 | 37.81 | 1428.21 |
116 | 5749.64 | 1403.70 | 31.65 | 1435.36 |
117 | 4332.55 | 1417.09 | 25.44 | 1442.53 |
118 | 2901.98 | 1430.57 | 19.17 | 1449.74 |
119 | 1457.83 | 1444.15 | 12.84 | 1456.99 |
120 | 0.00 | 1457.83 | 6.45 | 1464.28 |
第二个例子:
贷款本金:10万元;贷款年限:10年;利率:5.31%;增幅:5.31%
P=5.31%÷12=0.004425;N=120;
月数 | 还款余额 | 还款本金 | 还款利息 | 月还款额 |
1 | 99605.48 | 394.52 | 442.50 | 837.02 |
2 | 99205.51 | 399.97 | 440.75 | 840.72 |
3 | 98800.05 | 405.46 | 438.98 | 844.44 |
4 | 98389.06 | 410.99 | 437.19 | 848.18 |
5 | 97972.49 | 416.56 | 435.37 | 851.93 |
6 | 97550.32 | 422.18 | 433.53 | 855.70 |
7 | 97122.49 | 427.83 | 431.66 | 859.49 |
8 | 96688.96 | 433.53 | 429.77 | 863.29 |
9 | 96249.69 | 439.27 | 427.85 | 867.11 |
10 | 95804.65 | 445.05 | 425.90 | 870.95 |
11 | 95353.78 | 450.87 | 423.94 | 874.81 |
12 | 94897.04 | 456.74 | 421.94 | 878.68 |
13 | 94434.40 | 462.65 | 419.92 | 882.56 |
14 | 93965.80 | 468.60 | 417.87 | 886.47 |
15 | 93491.21 | 474.59 | 415.80 | 890.39 |
16 | 93010.57 | 480.63 | 413.70 | 894.33 |
17 | 92523.85 | 486.72 | 411.57 | 898.29 |
18 | 92031.01 | 492.85 | 409.42 | 902.26 |
19 | 91531.99 | 499.02 | 407.24 | 906.26 |
20 | 91026.75 | 505.24 | 405.03 | 910.27 |
21 | 90515.25 | 511.50 | 402.79 | 914.30 |
22 | 89997.43 | 517.81 | 400.53 | 918.34 |
23 | 89473.27 | 524.17 | 398.24 | 922.40 |
24 | 88942.70 | 530.57 | 395.92 | 926.49 |
25 | 88405.69 | 537.01 | 393.57 | 930.59 |
26 | 87862.18 | 543.51 | 391.20 | 934.70 |
27 | 87312.13 | 550.05 | 388.79 | 938.84 |
28 | 86755.49 | 556.64 | 386.36 | 942.99 |
29 | 86192.22 | 563.27 | 383.89 | 947.17 |
30 | 85622.26 | 569.96 | 381.40 | 951.36 |
31 | 85045.57 | 576.69 | 378.88 | 955.57 |
32 | 84462.10 | 583.47 | 376.33 | 959.80 |
33 | 83871.80 | 590.30 | 373.74 | 964.04 |
34 | 83274.62 | 597.18 | 371.13 | 968.31 |
35 | 82670.52 | 604.10 | 368.49 | 972.59 |
36 | 82059.44 | 611.08 | 365.82 | 976.90 |
37 | 81441.33 | 618.11 | 363.11 | 981.22 |
38 | 80816.14 | 625.18 | 360.38 | 985.56 |
39 | 80183.83 | 632.31 | 357.61 | 989.92 |
40 | 79544.34 | 639.49 | 354.81 | 994.30 |
41 | 78897.62 | 646.72 | 351.98 | 998.70 |
42 | 78243.62 | 654.00 | 349.12 | 1003.12 |
43 | 77582.29 | 661.33 | 346.23 | 1007.56 |
44 | 76913.57 | 668.72 | 343.30 | 1012.02 |
45 | 76237.41 | 676.16 | 340.34 | 1016.50 |
46 | 75553.76 | 683.65 | 337.35 | 1021.00 |
47 | 74862.57 | 691.19 | 334.33 | 1025.51 |
48 | 74163.79 | 698.79 | 331.27 | 1030.05 |
49 | 73457.35 | 706.44 | 328.17 | 1034.61 |
50 | 72743.21 | 714.14 | 325.05 | 1039.19 |
51 | 72021.31 | 721.90 | 321.89 | 1043.79 |
52 | 71291.60 | 729.71 | 318.69 | 1048.41 |
53 | 70554.02 | 737.58 | 315.47 | 1053.05 |
54 | 69808.52 | 745.50 | 312.20 | 1057.70 |
55 | 69055.04 | 753.48 | 308.90 | 1062.39 |
56 | 68293.52 | 761.52 | 305.57 | 1067.09 |
57 | 67523.91 | 769.61 | 302.20 | 1071.81 |
58 | 66746.15 | 777.76 | 298.79 | 1076.55 |
59 | 65960.19 | 785.96 | 295.35 | 1081.31 |
60 | 65165.96 | 794.23 | 291.87 | 1086.10 |
61 | 64363.42 | 802.55 | 288.36 | 1090.91 |
62 | 63552.49 | 810.92 | 284.81 | 1095.73 |
63 | 62733.13 | 819.36 | 281.22 | 1100.58 |
64 | 61905.28 | 827.86 | 277.59 | 1105.45 |
65 | 61068.86 | 836.41 | 273.93 | 1110.34 |
66 | 60223.84 | 845.03 | 270.23 | 1115.26 |
67 | 59370.14 | 853.70 | 266.49 | 1120.19 |
68 | 58507.70 | 862.44 | 262.71 | 1125.15 |
69 | 57636.47 | 871.23 | 258.90 | 1130.13 |
70 | 56756.38 | 880.09 | 255.04 | 1135.13 |
71 | 55867.38 | 889.00 | 251.15 | 1140.15 |
72 | 54969.40 | 897.98 | 247.21 | 1145.20 |
73 | 54062.37 | 907.02 | 243.24 | 1150.26 |
74 | 53146.25 | 916.13 | 239.23 | 1155.35 |
75 | 52220.95 | 925.29 | 235.17 | 1160.47 |
76 | 51286.43 | 934.52 | 231.08 | 1165.60 |
77 | 50342.61 | 943.82 | 226.94 | 1170.76 |
78 | 49389.44 | 953.17 | 222.77 | 1175.94 |
79 | 48426.85 | 962.59 | 218.55 | 1181.14 |
80 | 47454.77 | 972.08 | 214.29 | 1186.37 |
81 | 46473.14 | 981.63 | 209.99 | 1191.62 |
82 | 45481.89 | 991.25 | 205.64 | 1196.89 |
83 | 44480.96 | 1000.93 | 201.26 | 1202.19 |
84 | 43470.28 | 1010.68 | 196.83 | 1207.51 |
85 | 42449.78 | 1020.49 | 192.36 | 1212.85 |
86 | 41419.40 | 1030.38 | 187.84 | 1218.22 |
87 | 40379.08 | 1040.33 | 183.28 | 1223.61 |
88 | 39328.73 | 1050.35 | 178.68 | 1229.02 |
89 | 38268.30 | 1060.43 | 174.03 | 1234.46 |
90 | 37197.71 | 1070.59 | 169.34 | 1239.92 |
91 | 36116.90 | 1080.81 | 164.60 | 1245.41 |
92 | 35025.80 | 1091.10 | 159.82 | 1250.92 |
93 | 33924.33 | 1101.47 | 154.99 | 1256.46 |
94 | 32812.43 | 1111.90 | 150.12 | 1262.02 |
95 | 31690.02 | 1122.41 | 145.20 | 1267.60 |
96 | 30557.04 | 1132.98 | 140.23 | 1273.21 |
97 | 29413.41 | 1143.63 | 135.21 | 1278.84 |
98 | 28259.06 | 1154.35 | 130.15 | 1284.50 |
99 | 27093.92 | 1165.14 | 125.05 | 1290.19 |
100 | 25917.92 | 1176.01 | 119.89 | 1295.90 |
101 | 24730.98 | 1186.94 | 114.69 | 1301.63 |
102 | 23533.02 | 1197.96 | 109.43 | 1307.39 |
103 | 22323.98 | 1209.04 | 104.13 | 1313.18 |
104 | 21103.78 | 1220.20 | 98.78 | 1318.99 |
105 | 19872.34 | 1231.44 | 93.38 | 1324.82 |
106 | 18629.59 | 1242.75 | 87.94 | 1330.68 |
107 | 17375.45 | 1254.14 | 82.44 | 1336.57 |
108 | 16109.85 | 1265.60 | 76.89 | 1342.49 |
109 | 14832.71 | 1277.14 | 71.29 | 1348.43 |
110 | 13543.95 | 1288.76 | 65.63 | 1354.39 |
111 | 12243.49 | 1300.46 | 59.93 | 1360.39 |
112 | 10931.26 | 1312.23 | 54.18 | 1366.41 |
113 | 9607.18 | 1324.08 | 48.37 | 1372.45 |
114 | 8271.16 | 1336.02 | 42.51 | 1378.53 |
115 | 6923.14 | 1348.03 | 36.60 | 1384.63 |
116 | 5563.02 | 1360.12 | 30.63 | 1390.75 |
117 | 4190.72 | 1372.29 | 24.62 | 1396.91 |
118 | 2806.18 | 1384.55 | 18.54 | 1403.09 |
119 | 1409.30 | 1396.88 | 12.42 | 1409.30 |
120 | 0.00 | 1409.30 | 6.24 | 1415.53 |