房贷还贷选哪种等额本息or等额本金？
<p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><i><span style="font-weight: 600;">01</span></i></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">在买房签贷款合同的时候，银行工作人员都会问一句：你选择哪种还款方式？</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;">等额本息</span>还是<span style="font-weight: 600;"><a href="https://www.zhihu.com/search?q=%E7%AD%89%E9%A2%9D%E6%9C%AC%E9%87%91&search_source=Entity&hybrid_search_source=Entity&hybrid_search_extra=%7B%22sourceType%22%3A%22article%22%2C%22sourceId%22%3A58022140%7D" target="_blank" style="color: rgb(0, 102, 255); cursor: pointer;">等额本金<svg width="8px" height="8px" viewBox="0 0 15 15"></svg></a></span>？</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">对于这两种方式到底应该怎么选，其实很多人心里都没数。有很多人都说等额本金更划算，利息更少；但在实际操作中，大多数人却都选择了等额本息。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">这又是为什么？</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">今天我就给大家仔细分析一下两种<a href="https://www.zhihu.com/search?q=%E8%BF%98%E6%AC%BE%E6%96%B9%E5%BC%8F&search_source=Entity&hybrid_search_source=Entity&hybrid_search_extra=%7B%22sourceType%22%3A%22article%22%2C%22sourceId%22%3A58022140%7D" target="_blank" style="color: rgb(0, 102, 255); cursor: pointer;">还款方式<svg width="8px" height="8px" viewBox="0 0 15 15"></svg></a>的本质区别，<span style="font-weight: 600;">因为你对这两种还款方式的理解可能全都是错的。</span></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><i><span style="font-weight: 600;">02</span></i></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">那到底什么是<span style="font-weight: 600;">等额本息</span>，什么是<span style="font-weight: 600;">等额本金</span>？</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">如果以大家最能看懂的方式来理解大概就是这样的：</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;">等额本息：</span>每月的还款数额一样。一部分拿去还利息，一部分拿去还本金。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;">等额本金：</span>每月需要还的本金一样，由于本金逐渐减少，利息也会逐渐减少。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">从下面这张图可以非常清楚地看出等额本息和等额本金之间的差异。</p><figure style="margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><img src="https://pic4.zhimg.com/80/v2-1c63f681bb0d1acc912be6053e16443f_1440w.jpg" normal"="" width="750" style="display: block; max-width: 100%; margin-right: auto; margin-left: auto; cursor: zoom-in; background-color: transparent; animation: 0.5s ease-in 0s 1 normal none running fxRichTextFadeIn;"></figure><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">以贷款100万，贷款年限20年为例（上图计算采用的利率为2012年7月6日<a href="https://www.zhihu.com/search?q=%E5%9F%BA%E5%87%86%E5%88%A9%E7%8E%87&search_source=Entity&hybrid_search_source=Entity&hybrid_search_extra=%7B%22sourceType%22%3A%22article%22%2C%22sourceId%22%3A58022140%7D" target="_blank" style="color: rgb(0, 102, 255); cursor: pointer;">基准利率<svg width="8px" height="8px" viewBox="0 0 15 15"></svg></a>6.55%），我们可以来做个对比。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;">等额本息：</span>每月固定还款7485元。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;">等额本金：</span>首月还款9625元，逐月递减23元，最后一月还款4189元。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">那么两种方式哪种支出的利息更少？</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">在网上随便打开一个贷款计算器，输入贷款金额和年限就会得出完全一致的结论：<span style="font-weight: 600;">等额本金支出的利息总额更低。</span></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">以上图为例，等额本金方式在20年里支出的利息总额为657729元，而等额本息方式支出的利息却达到796447元，两者相差了<span style="font-weight: 600;">138745元</span>。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">同样贷款100万，两种不同还款方式的利息差距就达到了接近14万元，占到了本金的<span style="font-weight: 600;">14%</span>，这么大的利息差异让很多人完全没法接受。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">选哪种方式还用说么？</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">当然应该选利息更少的等额本金啊！</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><i><span style="font-weight: 600;">03</span></i></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">但我想告诉你的是：<span style="font-weight: 600;">以上全错！</span></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">下面的内容请大家仔细阅读，因为可能会颠覆你以往对利息这件事情的所有认知。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">没错，我想告诉大家的是：</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;">利息少是不划算的，利息多反而是更划算的！</span></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">为什么会有这样的结论？那是因为我们在考虑<a href="https://www.zhihu.com/search?q=%E8%B4%B7%E6%AC%BE%E5%88%A9%E6%81%AF&search_source=Entity&hybrid_search_source=Entity&hybrid_search_extra=%7B%22sourceType%22%3A%22article%22%2C%22sourceId%22%3A58022140%7D" target="_blank" style="color: rgb(0, 102, 255); cursor: pointer;">贷款利息<svg width="8px" height="8px" viewBox="0 0 15 15"></svg></a>的时候，都忽略了一件重要的事情，那就是还款的<span style="font-weight: 600;">“<a href="https://www.zhihu.com/search?q=%E7%97%9B%E8%8B%A6%E6%8C%87%E6%95%B0&search_source=Entity&hybrid_search_source=Entity&hybrid_search_extra=%7B%22sourceType%22%3A%22article%22%2C%22sourceId%22%3A58022140%7D" target="_blank" style="color: rgb(0, 102, 255); cursor: pointer;">痛苦指数<svg width="8px" height="8px" viewBox="0 0 15 15"></svg></a>”</span>。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">贷款买房是当人们买不起房的时候，以向银行一次性借款，再分期偿还的方式，来进行的透支未来的消费。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">要知道全款买房对于大部分家庭来讲是不可负担的，是一件非常“痛苦”的事，而贷款的本质就是减轻一次性付款的“痛苦”，需要付出的代价则是利息。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">等额本金的还款方式虽然可以节省利息支出，但在买房后的前几年，还款的痛苦指数是非常高的，这就与贷款的初衷相背离了。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">还是以上面那张图为例。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">如果一个家庭月收入15000，按<span style="font-weight: 600;">等额本息</span>的方式还款，7485元的月供只占家庭月收的一半，这个比例是比较合适的。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">对一个普通家庭来讲，每月正常的买菜做饭水电气物管费的开销大概在2000元左右；夫妻双方各自用于买衣服买化妆品请客吃饭送礼的零用钱大概在1000元左右；再养一个普通家用车，平摊到每个月大概在1500左右。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">这样算下来，如果加上月供，每月收入还能有2000元左右的剩余。这2000元不管是存起来还是用来应付计划外的超支，也都完全足够，月供带来的痛苦指数是比较低的。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">但如果以<span style="font-weight: 600;">等额本金</span>的方式还款，那么在买房后的两三年内，除了月供每月可供支配的钱就只有5400元左右。不但不会有剩余，反而还显得捉襟见肘，处处都不敢用钱，严重影响生活品质。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">这时的痛苦指数非常高。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><i><span style="font-weight: 600;">04</span></i></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">再举一个我自己的例子。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">从上图中可以看出，当还款还满8年左右的时候，两种方式的月供金额基本持平了。从第9年开始，<span style="font-weight: 600;">等额本金</span>的月供就要逐渐低于<span style="font-weight: 600;">等额本息</span>了。</p><figure style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><img src="https://pic4.zhimg.com/80/v2-1c63f681bb0d1acc912be6053e16443f_1440w.jpg" normal"="" width="750" style="display: block; max-width: 100%; margin-right: auto; margin-left: auto; cursor: zoom-in; background-color: transparent; animation: 0.5s ease-in 0s 1 normal none running fxRichTextFadeIn;"></figure><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">那我们来看看8年的时间里，会发生些什么事情。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">本人在2005年1月的时候贷款买了人生的第一套房，总价38万左右，等额本息月供在2100左右。但那个时候我还是只单身狗，每月工资只有1500左右，加上奖金勉强够还月供。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">而每月的生活费只有靠工作之余帮别人做点文字翻译，赚点翻译费来支撑。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">如果那个时候选择等额本金的还款方式，首月的月供在2700多，比等额本息方式多了600元，每月只递减6块钱。如果选择这种还款方式，我恐怕早就已经饿死了。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">到了8年之后的2013年，我已经成为已婚人士了，<a href="https://www.zhihu.com/search?q=%E5%B7%A5%E8%B5%84%E6%94%B6%E5%85%A5&search_source=Entity&hybrid_search_source=Entity&hybrid_search_extra=%7B%22sourceType%22%3A%22article%22%2C%22sourceId%22%3A58022140%7D" target="_blank" style="color: rgb(0, 102, 255); cursor: pointer;">工资收入<svg width="8px" height="8px" viewBox="0 0 15 15"></svg></a>也从8年前的1500涨到了15000，而<a href="https://www.zhihu.com/search?q=%E5%AE%B6%E5%BA%AD%E6%9C%88%E6%94%B6%E5%85%A5&search_source=Entity&hybrid_search_source=Entity&hybrid_search_extra=%7B%22sourceType%22%3A%22article%22%2C%22sourceId%22%3A58022140%7D" target="_blank" style="color: rgb(0, 102, 255); cursor: pointer;">家庭月收入<svg width="8px" height="8px" viewBox="0 0 15 15"></svg></a>达到了20000以上。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">这个时候等额本金的月供终于开始逐渐低于等额本息了。但这个时候，每月的月供少300还是少500对我来讲已经没有太大的意义了。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;">工资1500时候的600元钱，和月收入20000+时候的600元钱，它的意义是一样的么？</span></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">8年前的600元是我两个礼拜的生活费，而8年后的600元只够请人吃两顿火锅而已。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">你愿意用未来12年每月少还6块钱，去换8年前天天吃泡面下咸菜朝不保夕的痛苦么？</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><i><span style="font-weight: 600;">05</span></i></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">前面提到贷100万，等额本金的还款方式会比等额本息少支出大约14万的利息。但在实际操作中，<span style="font-weight: 600;">就连这个数字都是错的！</span></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">因为有大部分人在20年的贷款期限内就已经把房子卖掉了，或者提前还款还掉了。很少有人会一直坚持还款到20年的最后一天。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">一般来讲，一个普通家庭的换房周期大概在10年左右。我们就以10年为周期，来算一算等额本金和等额本息这两种还款方式在利息支出上的差异到底有多大。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">同样还是100万贷20年，如果在第10年结束时选择提前还款，我们来看看两种方式的区别：</p><figure style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><img src="https://pic2.zhimg.com/80/v2-40b50d0d127087dc7f888ef803971b89_1440w.jpg" normal"="" width="494" style="display: block; max-width: 100%; margin-right: auto; margin-left: auto; cursor: zoom-in; background-color: transparent; animation: 0.5s ease-in 0s 1 normal none running fxRichTextFadeIn;"></figure><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">从这张表里可以看出，在这10年中，等额本息只比等额本金多支出了6.4万左右的利息，而不是14万。这个数字看上去是不是好接受得多了？</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">等额本金虽然少了6.4万的利息，但却比等额本息多还了15.8万元的本金。如果在第10年换房，提前还款，等额本息的方式会比等额本金的方式多节省7.5万元的利息支出。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><i><span style="font-weight: 600;">06</span></i></p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">现在我们应该看明白了：</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;"><span style="font-weight: 600;">等额本金</span>的实质就一种急着把本金还给银行，然后把自己的<a href="https://www.zhihu.com/search?q=%E7%8E%B0%E9%87%91%E6%B5%81&search_source=Entity&hybrid_search_source=Entity&hybrid_search_extra=%7B%22sourceType%22%3A%22article%22%2C%22sourceId%22%3A58022140%7D" target="_blank" style="color: rgb(0, 102, 255); cursor: pointer;">现金流<svg width="8px" height="8px" viewBox="0 0 15 15"></svg></a>搞得很紧张，前期痛苦指数很高的方式；</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">而<span style="font-weight: 600;">等额本息</span>的实质是以多付一定利息为代价，尽量缓解自己的现金流压力，降低月供痛苦指数的方式，而这种方式显然更符合贷款这件事情本身的意义。</p><p style="margin-top: 1.4em; margin-bottom: 1.4em; color: rgb(18, 18, 18); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Microsoft YaHei", "Source Han Sans SC", "Noto Sans CJK SC", "WenQuanYi Micro Hei", sans-serif; font-size: medium;">无论在什么情况下，都应该选择<span style="font-weight: 600;"><a href="https://www.zhihu.com/search?q=%E7%AD%89%E9%A2%9D&search_source=Entity&hybrid_search_source=Entity&hybrid_search_extra=%7B%22sourceType%22%3A%22article%22%2C%22sourceId%22%3A58022140%7D" target="_blank" style="color: rgb(0, 102, 255); cursor: pointer;">等额<svg width="8px" height="8px" viewBox="0 0 15 15"></svg></a>本息</span>的还款方式。</p>
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