公积金贷款计算公式

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1、公积金贷款，2011年7月7日起，年利率4.9%；则月利率为r=4.9%/12=0.4083333333%；设贷款50万，贷30年，设每个月还D万，则通过以下公式求D：DDDD+++...+=502330×12（1+r）（1+r）（1+r）（1+r）30×12r（1+r）解得D=50×30×12（1+r）-1=0.265363万附1人民币住房贷款利率表自2011.7.7日起执行每10,000元个人住房公积金贷款偿还金额(年)年利率%月利率‰到期利随本清(元)14.4503.708￥10,445.0024.4503.708￥436.2549234.4503.708￥297.2458444.

2、4503.708￥227.8098154.4503.708￥186.2029264.9004.083￥160.5858874.9004.083￥140.8696884.9004.083￥126.1236594.9004.083￥114.69093104.9004.083￥105.57740114.9004.083￥98.15041124.9004.083￥91.98819134.9004.083￥86.79874144.9004.083￥82.37348154.9004.083￥78.55942164.9004.083￥75.24184174.9004.083￥72.33298184.9

3、004.083￥69.76458194.9004.083￥67.48277204.9004.083￥65.44440214.9004.083￥63.61459224.9004.083￥61.96474234.9004.083￥60.47127244.9004.083￥59.11448254.9004.083￥57.87786264.9004.083￥56.74741274.9004.083￥55.71121284.9004.083￥54.75903294.9004.083￥53.88207304.9004.083￥53.07267每10,000元个人住房商业性贷款偿还金额（基准）(年)年

4、利率%月利率‰到期利随本清(元)16.5605.467￥10,656.0026.6505.542￥446.1407836.6505.542￥307.1732346.9005.750￥238.9987756.9005.750￥197.5405267.0505.875￥170.7302677.0505.875￥151.1713487.0505.875￥136.5861397.0505.875￥125.31617107.0505.875￥116.36634117.0505.875￥109.10331127.0505.875￥103.10483137.0505.875￥98.07853147.0

5、505.875￥93.81552157.0505.875￥90.16260167.0505.875￥87.00482177.0505.875￥84.25428187.0505.875￥81.84256197.0505.875￥79.71565207.0505.875￥77.83030217.0505.875￥76.15151227.0505.875￥74.65060237.0505.875￥73.30389247.0505.875￥72.09162257.0505.875￥70.99720267.0505.875￥70.00658277.0505.875￥69.10777287.0505

6、.875￥68.29051297.0505.875￥67.54594307.0505.875￥66.86639每10,000元个人住房商业性贷款偿还金额（下浮30%）(年)年利率%月利率‰到期利随本清(元)14.59203.8267￥10,459.2024.65503.8792￥437.1704734.65503.8792￥298.1624644.83004.0250￥229.5236554.83004.0250￥187.9344864.93504.1125￥160.7479974.93504.1125￥141.0338784.93504.1125￥126.2899794.93504.1

7、125￥114.85942104.93504.1125￥105.74808114.93504.1125￥98.32330124.93504.1125￥92.16331134.93504.1125￥86.97608144.93504.1125￥82.55303154.93504.1125￥78.74118164.93504.1125￥75.42579174.93504.1125￥72.51912184.93504.1125￥69.95