等额本息和等额本金，你了解多少？
<section style="text-align: center;margin-top: 10px;margin-bottom: 10px;line-height: 0;pointer-events: none;"><section style="vertical-align: middle;display: inline-block;line-height: 0;pointer-events: none;"></section></section><p style="text-wrap: wrap;"><br/></p><p></p><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-top: 16px;"><section style="display: inline-block;vertical-align: middle;width: auto;align-self: center;flex: 0 0 auto;border-style: solid;border-width: 1px;border-color: rgb(51, 66, 102);background-color: rgb(115, 215, 200);min-width: 5%;height: auto;"><section style="text-align: center;justify-content: center;display: flex;flex-flow: row;transform: translate3d(3px, 0px, 0px);margin-top: -4px;margin-bottom: 3px;"><section style="display: inline-block;width: 100%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;border-style: solid;border-width: 1px;border-color: rgb(51, 66, 102);background-color: rgb(255, 255, 255);padding-right: 11px;padding-bottom: 1px;padding-left: 13px;"><section style="display: flex;width: 100%;flex-flow: column;"><section style="z-index: 1;"><section style="text-align: left;justify-content: flex-start;display: flex;flex-flow: row;transform: translate3d(-4px, 0px, 0px);margin-top: -3px;"><section style="display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 0 0 auto;min-width: 5%;height: auto;background-color: rgb(254, 255, 255);padding-right: 3px;padding-left: 6px;"><section style="display: flex;width: 100%;flex-flow: column;"><section style="justify-content: flex-start;display: flex;flex-flow: row;"><section style="display: inline-block;vertical-align: top;width: auto;align-self: flex-start;flex: 0 0 0%;line-height: 0;height: auto;padding-right: 3px;"><section style="text-align: center;"><section style="display: inline-block;width: 0px;height: 0px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 3px 0px 3px 6px;border-color: rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(115, 215, 200);"><section style="text-align: justify;"><p style="text-wrap: wrap;"><br/></p></section></section></section></section><section style="display: inline-block;vertical-align: top;width: auto;align-self: flex-start;flex: 0 0 0%;line-height: 0;height: auto;padding-right: 3px;"><section style="text-align: center;"><section style="display: inline-block;width: 0px;height: 0px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 3px 0px 3px 6px;border-color: rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(255, 216, 90);"><section style="text-align: justify;"><p style="text-wrap: wrap;"><br/></p></section></section></section></section><section style="display: inline-block;vertical-align: top;width: auto;align-self: flex-start;flex: 0 0 0%;line-height: 0;height: auto;padding-right: 3px;"><section style="text-align: center;"><section style="display: inline-block;width: 0px;height: 0px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 3px 0px 3px 6px;border-color: rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(115, 215, 200);"><section style="text-align: justify;"><p style="text-wrap: wrap;"><br/></p></section></section></section></section></section></section></section></section></section></section><section style="text-align: justify;font-size: 12px;color: rgb(242, 139, 110);"><p style="text-wrap: wrap;"><strong><span style="font-size: 15px;">1、什么是<span class="">等额本息</span>和等额本金？</span></strong></p></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;flex: 100 100 0%;height: auto;align-self: center;padding-left: 9px;"><section style="margin-top: 0.5em;margin-bottom: 0.5em;"><section style="background-color: rgb(51, 66, 102);height: 1px;"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-bottom: 9px;"><section style="display: inline-block;width: 100%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-color: rgba(167, 229, 220, 0.15);padding: 22px;"><section style="text-align: justify; line-height: 2; letter-spacing: 2px;"><p style="text-indent: 2.2857em;margin-bottom: 10px;text-wrap: wrap;">等额本息是指本金逐月递增，利息逐月递减，月还款额不变的还款方式。</p><p style="text-indent: 2.2857em;text-wrap: wrap;">等额本金是指本金保持相同，利息逐月递减，月还款额递减的还款方式。</p></section></section></section><p></p><p style="text-wrap: wrap;"><br/></p><p></p><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-top: 16px;"><section style="display: inline-block;vertical-align: middle;width: auto;align-self: center;flex: 0 0 auto;border-style: solid;border-width: 1px;border-color: rgb(51, 66, 102);background-color: rgb(115, 215, 200);min-width: 5%;height: auto;"><section style="text-align: center;justify-content: center;display: flex;flex-flow: row;transform: translate3d(3px, 0px, 0px);margin-top: -4px;margin-bottom: 3px;"><section style="display: inline-block;width: 100%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;border-style: solid;border-width: 1px;border-color: rgb(51, 66, 102);background-color: rgb(255, 255, 255);padding-right: 11px;padding-bottom: 1px;padding-left: 13px;"><section style="display: flex;width: 100%;flex-flow: column;"><section style="z-index: 1;"><section style="text-align: left;justify-content: flex-start;display: flex;flex-flow: row;transform: translate3d(-4px, 0px, 0px);margin-top: -3px;"><section style="display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 0 0 auto;min-width: 5%;height: auto;background-color: rgb(254, 255, 255);padding-right: 3px;padding-left: 6px;"><section style="display: flex;width: 100%;flex-flow: column;"><section style="justify-content: flex-start;display: flex;flex-flow: row;"><section style="display: inline-block;vertical-align: top;width: auto;align-self: flex-start;flex: 0 0 0%;line-height: 0;height: auto;padding-right: 3px;"><section style="text-align: center;"><section style="display: inline-block;width: 0px;height: 0px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 3px 0px 3px 6px;border-color: rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(115, 215, 200);"><section style="text-align: justify;"><p style="text-wrap: wrap;"><br/></p></section></section></section></section><section style="display: inline-block;vertical-align: top;width: auto;align-self: flex-start;flex: 0 0 0%;line-height: 0;height: auto;padding-right: 3px;"><section style="text-align: center;"><section style="display: inline-block;width: 0px;height: 0px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 3px 0px 3px 6px;border-color: rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(255, 216, 90);"><section style="text-align: justify;"><p style="text-wrap: wrap;"><br/></p></section></section></section></section><section style="display: inline-block;vertical-align: top;width: auto;align-self: flex-start;flex: 0 0 0%;line-height: 0;height: auto;padding-right: 3px;"><section style="text-align: center;"><section style="display: inline-block;width: 0px;height: 0px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 3px 0px 3px 6px;border-color: rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(115, 215, 200);"><section style="text-align: justify;"><p style="text-wrap: wrap;"><br/></p></section></section></section></section></section></section></section></section></section></section><section style="text-align: justify;font-size: 15px;color: rgb(242, 139, 110);"><p style="text-wrap: wrap;"><strong>2、这两种还款方式哪种比较好呢？</strong></p></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;flex: 100 100 0%;height: auto;align-self: center;padding-left: 9px;"><section style="margin-top: 0.5em;margin-bottom: 0.5em;"><section style="background-color: rgb(51, 66, 102);height: 1px;"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-bottom: 9px;"><section style="display: inline-block;width: 100%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-color: rgba(167, 229, 220, 0.15);padding: 22px;"><section style="text-align: justify; line-height: 2; letter-spacing: 2px;"><p style="text-indent: 2.2857em;margin-bottom: 10px;text-wrap: wrap;">等额本息平均分摊了还款金额，每月还款压力较小，但总的利息支出较高，比较适合还贷前期资金紧张的借款人。</p><p style="text-indent: 2.2857em;text-wrap: wrap;">等额本金初期的月还款额较高，还款负担逐月递减。因前期偿还的本金较多，资金占用时间短，所以总的利息支出较等额本息少。</p></section></section></section><p></p><p style="text-wrap: wrap;"><br/></p><p></p><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-top: 16px; margin-bottom: 10px;"><section style="display: inline-block;width: auto;vertical-align: middle;align-self: center;flex: 100 100 0%;border-style: solid;border-width: 1px;border-color: rgb(51, 66, 102);background-color: rgb(115, 215, 200);height: auto;margin-right: 3px;"><section style="text-align: center;justify-content: center;display: flex;flex-flow: row;transform: translate3d(3px, 0px, 0px);margin-top: -4px;margin-bottom: 3px;"><section style="display: inline-block;width: 100%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;border-style: solid;border-width: 1px;border-color: rgb(51, 66, 102);background-color: rgb(255, 255, 255);padding-right: 21px;padding-bottom: 8px;padding-left: 17px;"><section style="display: flex;width: 100%;flex-flow: column;"><section style="z-index: 1;"><section style="text-align: left;justify-content: flex-start;display: flex;flex-flow: row;transform: translate3d(-4px, 0px, 0px);margin-top: -3px;margin-bottom: 6px;"><section style="display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 0 0 auto;min-width: 5%;height: auto;background-color: rgb(254, 255, 255);padding-right: 3px;padding-left: 6px;"><section style="display: flex;width: 100%;flex-flow: column;"><section style="justify-content: flex-start;display: flex;flex-flow: row;"><section style="display: inline-block;vertical-align: top;width: auto;align-self: flex-start;flex: 0 0 0%;line-height: 0;height: auto;padding-right: 3px;"><section style="text-align: center;"><section style="display: inline-block;width: 0px;height: 0px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 3px 0px 3px 6px;border-color: rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(115, 215, 200);"><section style="text-align: justify;"><p style="text-wrap: wrap;"><br/></p></section></section></section></section><section style="display: inline-block;vertical-align: top;width: auto;align-self: flex-start;flex: 0 0 0%;line-height: 0;height: auto;padding-right: 3px;"><section style="text-align: center;"><section style="display: inline-block;width: 0px;height: 0px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 3px 0px 3px 6px;border-color: rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(255, 216, 90);"><section style="text-align: justify;"><p style="text-wrap: wrap;"><br/></p></section></section></section></section><section style="display: inline-block;vertical-align: top;width: auto;align-self: flex-start;flex: 0 0 0%;line-height: 0;height: auto;padding-right: 3px;"><section style="text-align: center;"><section style="display: inline-block;width: 0px;height: 0px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 3px 0px 3px 6px;border-color: rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgb(115, 215, 200);"><section style="text-align: justify;"><p style="text-wrap: wrap;"><br/></p></section></section></section></section></section></section></section></section></section></section><section style="text-align: left;margin-bottom: 10px;"><p><strong><span style="color: rgb(51, 66, 102);">举个例子:</span></strong></p></section><section style="text-align: justify; letter-spacing: 2px; line-height: 2;"><p style="text-indent: 2.1429em;text-wrap: wrap;">缴存人小白与配偶在渭南共同申请首套房住房公积金贷款70万，利率为2.85%，贷款期限30年，两种还款方式具体有何不同？我们一起来试算一下。</p></section><section style="margin-top: 10px;margin-bottom: 10px;line-height: 0;"><section style="vertical-align: middle;display: inline-block;line-height: 0;"></section></section><section style="text-align: justify; letter-spacing: 2px; line-height: 2;"><p style="text-indent: 2.1429em;text-wrap: wrap;">本例子中等额本金整体支付的利息较等额本息少。</p><p style="text-indent: 2.1429em;text-wrap: wrap;">具体选择哪种还款方式需要大家根据自身实际经济情况来确定。</p></section></section></section></section></section><p></p><p><br/></p><link rel="stylesheet" href="//www.dafuping.cn/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_bEU" id="wcn_editor_css"/>
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