Question

请教一道利息计算题的计算过程

针对此次利率优惠的变动，记者算了笔账。以首次购买一套150万元的住房为例，首付三成，贷款七成即105万元。目前5年期以上贷款基准利率是5.94%，7折利率为4.158%，以贷款年限为15年计，则每个月偿还7850.12元，15年后连本带息共偿付141.3022万元，其中利息36.3022万元。我想知道它的利息是怎么算出来的？请帮我算出过程。

Answer 1

　　他是计算错了。正确如下：
　　月 本金 月利率 每月还本 利息 本利和
　　1 1,050,000.00 0.34650% 5,833.33 3,638.25 9,471.58
　　2 1,044,166.67 0.34650% 5,833.33 3,618.04 9,451.37
　　3 1,038,333.33 0.34650% 5,833.33 3,597.83 9,431.16
　　4 1,032,500.00 0.34650% 5,833.33 3,577.61 9,410.95
　　5 1,026,666.67 0.34650% 5,833.33 3,557.40 9,390.73
　　6 1,020,833.33 0.34650% 5,833.33 3,537.19 9,370.52
　　7 1,015,000.00 0.34650% 5,833.33 3,516.98 9,350.31
　　8 1,009,166.67 0.34650% 5,833.33 3,496.76 9,330.10
　　9 1,003,333.33 0.34650% 5,833.33 3,476.55 9,309.88
　　10 997,500.00 0.34650% 5,833.33 3,456.34 9,289.67
　　11 991,666.67 0.34650% 5,833.33 3,436.13 9,269.46
　　12 985,833.33 0.34650% 5,833.33 3,415.91 9,249.25
　　13 980,000.00 0.34650% 5,833.33 3,395.70 9,229.03
　　模猜枯14 974,166.67 0.34650% 5,833.33 3,375.49 9,208.82
　　15 968,333.33 0.34650% 5,833.33 3,355.28 9,188.61
　　16 962,500.00 0.34650% 5,833.33 3,335.06 9,168.40
　　17 956,666.67 0.34650% 5,833.33 3,314.85 9,148.18
　　18 950,833.33 0.34650% 5,833.33 3,294.64 9,127.97
　　19 945,000.00 0.34650% 5,833.33 3,274.43 9,107.76
　　20 939,166.67 0.34650% 5,833.33 3,254.21 9,087.55
　　21 933,333.33 0.34650% 5,833.33 3,234.00 9,067.33
　　22 927,500.00 0.34650% 5,833.33 3,213.79 9,047.12
　兆并　23 921,666.67 0.34650% 5,833.33 3,193.58 9,026.91
　　24 915,833.33 0.34650% 5,833.33 3,173.36 9,006.70
　　25 910,000.00 0.34650% 5,833.33 3,153.15 8,986.48
　　26 904,166.67 0.34650% 5,833.33 3,132.94 8,966.27
　旦洞　27 898,333.33 0.34650% 5,833.33 3,112.73 8,946.06
　　28 892,500.00 0.34650% 5,833.33 3,092.51 8,925.85
　　29 886,666.67 0.34650% 5,833.33 3,072.30 8,905.63
　　30 880,833.33 0.34650% 5,833.33 3,052.09 8,885.42
　　31 875,000.00 0.34650% 5,833.33 3,031.88 8,865.21
　　32 869,166.67 0.34650% 5,833.33 3,011.66 8,845.00
　　33 863,333.33 0.34650% 5,833.33 2,991.45 8,824.78
　　34 857,500.00 0.34650% 5,833.33 2,971.24 8,804.57
　　35 851,666.67 0.34650% 5,833.33 2,951.03 8,784.36
　　36 845,833.33 0.34650% 5,833.33 2,930.81 8,764.15
　　37 840,000.00 0.34650% 5,833.33 2,910.60 8,743.93
　　38 834,166.67 0.34650% 5,833.33 2,890.39 8,723.72
　　39 828,333.33 0.34650% 5,833.33 2,870.18 8,703.51
　　40 822,500.00 0.34650% 5,833.33 2,849.96 8,683.30
　　41 816,666.67 0.34650% 5,833.33 2,829.75 8,663.08
　　42 810,833.33 0.34650% 5,833.33 2,809.54 8,642.87
　　43 805,000.00 0.34650% 5,833.33 2,789.32 8,622.66
　　44 799,166.67 0.34650% 5,833.33 2,769.11 8,602.45
　　45 793,333.33 0.34650% 5,833.33 2,748.90 8,582.23
　　46 787,500.00 0.34650% 5,833.33 2,728.69 8,562.02
　　47 781,666.67 0.34650% 5,833.33 2,708.47 8,541.81
　　48 775,833.33 0.34650% 5,833.33 2,688.26 8,521.60
　　49 770,000.00 0.34650% 5,833.33 2,668.05 8,501.38
　　50 764,166.67 0.34650% 5,833.33 2,647.84 8,481.17
　　51 758,333.33 0.34650% 5,833.33 2,627.62 8,460.96
　　52 752,500.00 0.34650% 5,833.33 2,607.41 8,440.75
　　53 746,666.67 0.34650% 5,833.33 2,587.20 8,420.53
　　54 740,833.33 0.34650% 5,833.33 2,566.99 8,400.32
　　55 735,000.00 0.34650% 5,833.33 2,546.77 8,380.11
　　56 729,166.67 0.34650% 5,833.33 2,526.56 8,359.90
　　57 723,333.33 0.34650% 5,833.33 2,506.35 8,339.68
　　58 717,500.00 0.34650% 5,833.33 2,486.14 8,319.47
　　59 711,666.67 0.34650% 5,833.33 2,465.92 8,299.26
　　60 705,833.33 0.34650% 5,833.33 2,445.71 8,279.05
　　61 700,000.00 0.34650% 5,833.33 2,425.50 8,258.83
　　62 694,166.67 0.34650% 5,833.33 2,405.29 8,238.62
　　63 688,333.33 0.34650% 5,833.33 2,385.07 8,218.41
　　64 682,500.00 0.34650% 5,833.33 2,364.86 8,198.20
　　65 676,666.67 0.34650% 5,833.33 2,344.65 8,177.98
　　66 670,833.33 0.34650% 5,833.33 2,324.44 8,157.77
　　67 665,000.00 0.34650% 5,833.33 2,304.22 8,137.56
　　68 659,166.67 0.34650% 5,833.33 2,284.01 8,117.35
　　69 653,333.33 0.34650% 5,833.33 2,263.80 8,097.13
　　70 647,500.00 0.34650% 5,833.33 2,243.59 8,076.92
　　71 641,666.67 0.34650% 5,833.33 2,223.37 8,056.71
　　72 635,833.33 0.34650% 5,833.33 2,203.16 8,036.50
　　73 630,000.00 0.34650% 5,833.33 2,182.95 8,016.28
　　74 624,166.67 0.34650% 5,833.33 2,162.74 7,996.07
　　75 618,333.33 0.34650% 5,833.33 2,142.52 7,975.86
　　76 612,500.00 0.34650% 5,833.33 2,122.31 7,955.65
　　77 606,666.67 0.34650% 5,833.33 2,102.10 7,935.43
　　78 600,833.33 0.34650% 5,833.33 2,081.89 7,915.22
　　79 595,000.00 0.34650% 5,833.33 2,061.67 7,895.01
　　80 589,166.67 0.34650% 5,833.33 2,041.46 7,874.80
　　81 583,333.33 0.34650% 5,833.33 2,021.25 7,854.58
　　82 577,500.00 0.34650% 5,833.33 2,001.04 7,834.37
　　83 571,666.67 0.34650% 5,833.33 1,980.82 7,814.16
　　84 565,833.33 0.34650% 5,833.33 1,960.61 7,793.95
　　85 560,000.00 0.34650% 5,833.33 1,940.40 7,773.73
　　86 554,166.67 0.34650% 5,833.33 1,920.19 7,753.52
　　87 548,333.33 0.34650% 5,833.33 1,899.97 7,733.31
　　88 542,500.00 0.34650% 5,833.33 1,879.76 7,713.10
　　89 536,666.67 0.34650% 5,833.33 1,859.55 7,692.88
　　90 530,833.33 0.34650% 5,833.33 1,839.34 7,672.67
　　91 525,000.00 0.34650% 5,833.33 1,819.12 7,652.46
　　92 519,166.67 0.34650% 5,833.33 1,798.91 7,632.25
　　93 513,333.33 0.34650% 5,833.33 1,778.70 7,612.03
　　94 507,500.00 0.34650% 5,833.33 1,758.49 7,591.82
　　95 501,666.67 0.34650% 5,833.33 1,738.27 7,571.61
　　96 495,833.33 0.34650% 5,833.33 1,718.06 7,551.40
　　97 490,000.00 0.34650% 5,833.33 1,697.85 7,531.18
　　98 484,166.67 0.34650% 5,833.33 1,677.64 7,510.97
　　99 478,333.33 0.34650% 5,833.33 1,657.42 7,490.76
　　100 472,500.00 0.34650% 5,833.33 1,637.21 7,470.55
　　101 466,666.67 0.34650% 5,833.33 1,617.00 7,450.33
　　102 460,833.33 0.34650% 5,833.33 1,596.79 7,430.12
　　103 455,000.00 0.34650% 5,833.33 1,576.57 7,409.91
　　104 449,166.67 0.34650% 5,833.33 1,556.36 7,389.70
　　105 443,333.33 0.34650% 5,833.33 1,536.15 7,369.48
　　106 437,500.00 0.34650% 5,833.33 1,515.94 7,349.27
　　107 431,666.67 0.34650% 5,833.33 1,495.72 7,329.06
　　108 425,833.33 0.34650% 5,833.33 1,475.51 7,308.85
　　109 420,000.00 0.34650% 5,833.33 1,455.30 7,288.63
　　110 414,166.67 0.34650% 5,833.33 1,435.09 7,268.42
　　111 408,333.33 0.34650% 5,833.33 1,414.87 7,248.21
　　112 402,500.00 0.34650% 5,833.33 1,394.66 7,228.00
　　113 396,666.67 0.34650% 5,833.33 1,374.45 7,207.78
　　114 390,833.33 0.34650% 5,833.33 1,354.24 7,187.57
　　115 385,000.00 0.34650% 5,833.33 1,334.02 7,167.36
　　116 379,166.67 0.34650% 5,833.33 1,313.81 7,147.15
　　117 373,333.33 0.34650% 5,833.33 1,293.60 7,126.93
　　118 367,500.00 0.34650% 5,833.33 1,273.39 7,106.72
　　119 361,666.67 0.34650% 5,833.33 1,253.17 7,086.51
　　120 355,833.33 0.34650% 5,833.33 1,232.96 7,066.30
　　121 350,000.00 0.34650% 5,833.33 1,212.75 7,046.08
　　122 344,166.67 0.34650% 5,833.33 1,192.54 7,025.87
　　123 338,333.33 0.34650% 5,833.33 1,172.32 7,005.66
　　124 332,500.00 0.34650% 5,833.33 1,152.11 6,985.45
　　125 326,666.67 0.34650% 5,833.33 1,131.90 6,965.23
　　126 320,833.33 0.34650% 5,833.33 1,111.69 6,945.02
　　127 315,000.00 0.34650% 5,833.33 1,091.47 6,924.81
　　128 309,166.67 0.34650% 5,833.33 1,071.26 6,904.60
　　129 303,333.33 0.34650% 5,833.33 1,051.05 6,884.38
　　130 297,500.00 0.34650% 5,833.33 1,030.84 6,864.17
　　131 291,666.67 0.34650% 5,833.33 1,010.62 6,843.96
　　132 285,833.33 0.34650% 5,833.33 990.41 6,823.75
　　133 280,000.00 0.34650% 5,833.33 970.20 6,803.53
　　134 274,166.67 0.34650% 5,833.33 949.99 6,783.32
　　135 268,333.33 0.34650% 5,833.33 929.77 6,763.11
　　136 262,500.00 0.34650% 5,833.33 909.56 6,742.90
　　137 256,666.67 0.34650% 5,833.33 889.35 6,722.68
　　138 250,833.33 0.34650% 5,833.33 869.14 6,702.47
　　139 245,000.00 0.34650% 5,833.33 848.92 6,682.26
　　140 239,166.67 0.34650% 5,833.33 828.71 6,662.05
　　141 233,333.33 0.34650% 5,833.33 808.50 6,641.83
　　142 227,500.00 0.34650% 5,833.33 788.29 6,621.62
　　143 221,666.67 0.34650% 5,833.33 768.07 6,601.41
　　144 215,833.33 0.34650% 5,833.33 747.86 6,581.20
　　145 210,000.00 0.34650% 5,833.33 727.65 6,560.98
　　146 204,166.67 0.34650% 5,833.33 707.44 6,540.77
　　147 198,333.33 0.34650% 5,833.33 687.22 6,520.56
　　148 192,500.00 0.34650% 5,833.33 667.01 6,500.35
　　149 186,666.67 0.34650% 5,833.33 646.80 6,480.13
　　150 180,833.33 0.34650% 5,833.33 626.59 6,459.92
　　151 175,000.00 0.34650% 5,833.33 606.37 6,439.71
　　152 169,166.67 0.34650% 5,833.33 586.16 6,419.50
　　153 163,333.33 0.34650% 5,833.33 565.95 6,399.28
　　154 157,500.00 0.34650% 5,833.33 545.74 6,379.07
　　155 151,666.67 0.34650% 5,833.33 525.52 6,358.86
　　156 145,833.33 0.34650% 5,833.33 505.31 6,338.65
　　157 140,000.00 0.34650% 5,833.33 485.10 6,318.43
　　158 134,166.67 0.34650% 5,833.33 464.89 6,298.22
　　159 128,333.33 0.34650% 5,833.33 444.67 6,278.01
　　160 122,500.00 0.34650% 5,833.33 424.46 6,257.80
　　161 116,666.67 0.34650% 5,833.33 404.25 6,237.58
　　162 110,833.33 0.34650% 5,833.33 384.04 6,217.37
　　163 105,000.00 0.34650% 5,833.33 363.82 6,197.16
　　164 99,166.67 0.34650% 5,833.33 343.61 6,176.95
　　165 93,333.33 0.34650% 5,833.33 323.40 6,156.73
　　166 87,500.00 0.34650% 5,833.33 303.19 6,136.52
　　167 81,666.67 0.34650% 5,833.33 282.97 6,116.31
　　168 75,833.33 0.34650% 5,833.33 262.76 6,096.10
　　169 70,000.00 0.34650% 5,833.33 242.55 6,075.88
　　170 64,166.67 0.34650% 5,833.33 222.34 6,055.67
　　171 58,333.33 0.34650% 5,833.33 202.12 6,035.46
　　172 52,500.00 0.34650% 5,833.33 181.91 6,015.25
　　173 46,666.67 0.34650% 5,833.33 161.70 5,995.03
　　174 40,833.33 0.34650% 5,833.33 141.49 5,974.82
　　175 35,000.00 0.34650% 5,833.33 121.27 5,954.61
　　176 29,166.67 0.34650% 5,833.33 101.06 5,934.40
　　177 23,333.33 0.34650% 5,833.33 80.85 5,914.18
　　178 17,500.00 0.34650% 5,833.33 60.64 5,893.97
　　179 11,666.67 0.34650% 5,833.33 40.42 5,873.76
　　180 5,833.33 0.34650% 5,833.33 20.21 5,853.55
　　合计 1,050,000.00 329,261.62 1,379,261.63

Answer 2

先算出每个月的实际利息率，这个你应该会的郑宴，然后再算每个月的成本，每个月的成本是多少呢？应该为V(n-t+1)*7850.12,注意V后面的n-t+1为它的冥，纯成本算出来之后慧简，用总成本减去纯成本就是利息了。前丛裤