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之前一直是只还息的，想了解一下PI的还款方式 如果贷款50万，账户放50万，利率4%，那每个月的固定还款（比如2378）都是还本金，这种理想情况下，那一年就可以还本金28644.9，那不是第18年就能还清了嘛，所以想知道银行（比如4大银行）对于年还本金是否有上限？银行都是什么规则，我得算算看看是多贷一些还是少贷一些的划算，谢谢了。 Years Opening Balance Mortgage Repayment Interest Charged Capital Repaid Closing Balance 1 500,000.00 28,644.92 - 28,644.91 471,355.09 2 471,355.09 28,644.92 - 28,644.92 442,710.17 3 442,710.17 28,644.92 - 28,644.92 414,065.25 4 414,065.25 28,644.92 - 28,644.92 385,420.33 5 385,420.33 28,644.92 - 28,644.92 356,775.41 6 356,775.41 28,644.92 - 28,644.92 328,130.49 7 328,130.49 28,644.92 - 28,644.92 299,485.57 8 299,485.57 28,644.92 - 28,644.92 270,840.65 9 270,840.65 28,644.92 - 28,644.92 242,195.73 10 242,195.73 28,644.92 - 28,644.92 213,550.81 11 213,550.81 28,644.92 - 28,644.92 184,905.89 12 184,905.89 28,644.92 - 28,644.92 156,260.97 13 156,260.97 28,644.92 - 28,644.92 127,616.05 14 127,616.05 28,644.92 - 28,644.92 98,971.13 15 98,971.13 28,644.92 - 28,644.92 70,326.21 16 70,326.21 28,644.92 - 28,644.92 41,681.29 17 41,681.29 28,644.92 - 28,644.92 13,036.37 18 13,036.37 28,644.92 - 14,322.46 - 19 - - - - - 20 - - - - - 21 - - - - - 22 - - - - - 23 - - - - - 24 - - - - - 25 - - - - - 26 - - - - - 27 - - - - - 28 - - - - - 29 - - - - - 30 - - - - - |
