1. 中国建设银行个人住房贷款，利率下调后的还款
贷款金额：345000.0元 贷款期限：15.0年
贷款年利率：5.94% 还款方式：等额本金
您的个人贷款试算结果见下表，您累计需支付贷款利息 156,829.95 元 期数 当期还款实际天数 还款日期 应还本金 应还利息 月还款额 贷款余额
1 31 20080605 1,916.67 1,764.68 3,681.35 343,083.33
2 30 20080705 1,916.67 1,698.26 3,614.93 341,166.66
3 31 20080805 1,916.67 1,745.07 3,661.74 339,249.99
4 31 20080905 1,916.67 1,735.26 3,651.93 337,333.32
5 30 20081005 1,916.67 1,669.80 3,586.47 335,416.65
6 31 20081105 1,916.67 1,715.66 3,632.33 333,499.98
7 30 20081205 1,916.67 1,650.82 3,567.49 331,583.31
8 31 20090105 1,916.67 1,696.05 3,612.72 329,666.64
9 31 20090205 1,916.67 1,686.24 3,602.91 327,749.97
10 28 20090305 1,916.67 1,514.20 3,430.87 325,833.30
11 31 20090405 1,916.67 1,666.64 3,583.31 323,916.63
12 30 20090505 1,916.67 1,603.39 3,520.06 321,999.96
13 31 20090605 1,916.67 1,647.03 3,563.70 320,083.29
14 30 20090705 1,916.67 1,584.41 3,501.08 318,166.62
15 31 20090805 1,916.67 1,627.42 3,544.09 316,249.95
16 31 20090905 1,916.67 1,617.62 3,534.29 314,333.28
17 30 20091005 1,916.67 1,555.95 3,472.62 312,416.61
18 31 20091105 1,916.67 1,598.01 3,514.68 310,499.94
19 30 20091205 1,916.67 1,536.97 3,453.64 308,583.27
20 31 20100105 1,916.67 1,578.40 3,495.07 306,666.60
21 31 20100205 1,916.67 1,568.60 3,485.27 304,749.93
22 28 20100305 1,916.67 1,407.94 3,324.61 302,833.26
23 31 20100405 1,916.67 1,548.99 3,465.66 300,916.59
24 30 20100505 1,916.67 1,489.54 3,406.21 298,999.92
25 31 20100605 1,916.67 1,529.38 3,446.05 297,083.25
26 30 20100705 1,916.67 1,470.56 3,387.23 295,166.58
27 31 20100805 1,916.67 1,509.78 3,426.45 293,249.91
28 31 20100905 1,916.67 1,499.97 3,416.64 291,333.24
29 30 20101005 1,916.67 1,442.10 3,358.77 289,416.57
30 31 20101105 1,916.67 1,480.37 3,397.04 287,499.90
31 30 20101205 1,916.67 1,423.12 3,339.79 285,583.23
32 31 20110105 1,916.67 1,460.76 3,377.43 283,666.56
33 31 20110205 1,916.67 1,450.95 3,367.62 281,749.89
34 28 20110305 1,916.67 1,301.68 3,218.35 279,833.22
35 31 20110405 1,916.67 1,431.35 3,348.02 277,916.55
36 30 20110505 1,916.67 1,375.69 3,292.36 275,999.88
37 31 20110605 1,916.67 1,411.74 3,328.41 274,083.21
38 30 20110705 1,916.67 1,356.71 3,273.38 272,166.54
39 31 20110805 1,916.67 1,392.13 3,308.80 270,249.87
40 31 20110905 1,916.67 1,382.33 3,299.00 268,333.20
41 30 20111005 1,916.67 1,328.25 3,244.92 266,416.53
42 31 20111105 1,916.67 1,362.72 3,279.39 264,499.86
43 30 20111205 1,916.67 1,309.27 3,225.94 262,583.19
44 31 20120105 1,916.67 1,343.11 3,259.78 260,666.52
45 31 20120205 1,916.67 1,333.31 3,249.98 258,749.85
46 29 20120305 1,916.67 1,238.12 3,154.79 256,833.18
47 31 20120405 1,916.67 1,313.70 3,230.37 254,916.51
48 30 20120505 1,916.67 1,261.84 3,178.51 252,999.84
49 31 20120605 1,916.67 1,294.09 3,210.76 251,083.17
50 30 20120705 1,916.67 1,242.86 3,159.53 249,166.50
51 31 20120805 1,916.67 1,274.49 3,191.16 247,249.83
52 31 20120905 1,916.67 1,264.68 3,181.35 245,333.16
53 30 20121005 1,916.67 1,214.40 3,131.07 243,416.49
54 31 20121105 1,916.67 1,245.08 3,161.75 241,499.82
55 30 20121205 1,916.67 1,195.42 3,112.09 239,583.15
56 31 20130105 1,916.67 1,225.47 3,142.14 237,666.48
57 31 20130205 1,916.67 1,215.66 3,132.33 235,749.81
58 28 20130305 1,916.67 1,089.16 3,005.83 233,833.14
59 31 20130405 1,916.67 1,196.06 3,112.73 231,916.47
60 30 20130505 1,916.67 1,147.99 3,064.66 229,999.80
61 31 20130605 1,916.67 1,176.45 3,093.12 228,083.13
62 30 20130705 1,916.67 1,129.01 3,045.68 226,166.46
63 31 20130805 1,916.67 1,156.84 3,073.51 224,249.79
64 31 20130905 1,916.67 1,147.04 3,063.71 222,333.12
65 30 20131005 1,916.67 1,100.55 3,017.22 220,416.45
66 31 20131105 1,916.67 1,127.43 3,044.10 218,499.78
67 30 20131205 1,916.67 1,081.57 2,998.24 216,583.11
68 31 20140105 1,916.67 1,107.82 3,024.49 214,666.44
69 31 20140205 1,916.67 1,098.02 3,014.69 212,749.77
70 28 20140305 1,916.67 982.90 2,899.57 210,833.10
71 31 20140405 1,916.67 1,078.41 2,995.08 208,916.43
72 30 20140505 1,916.67 1,034.14 2,950.81 206,999.76
73 31 20140605 1,916.67 1,058.80 2,975.47 205,083.09
74 30 20140705 1,916.67 1,015.16 2,931.83 203,166.42
75 31 20140805 1,916.67 1,039.20 2,955.87 201,249.75
76 31 20140905 1,916.67 1,029.39 2,946.06 199,333.08
77 30 20141005 1,916.67 986.70 2,903.37 197,416.41
78 31 20141105 1,916.67 1,009.78 2,926.45 195,499.74
79 30 20141205 1,916.67 967.72 2,884.39 193,583.07
80 31 20150105 1,916.67 990.18 2,906.85 191,666.40
81 31 20150205 1,916.67 980.37 2,897.04 189,749.73
82 28 20150305 1,916.67 876.64 2,793.31 187,833.06
83 31 20150405 1,916.67 960.77 2,877.44 185,916.39
84 30 20150505 1,916.67 920.29 2,836.96 183,999.72
85 31 20150605 1,916.67 941.16 2,857.83 182,083.05
86 30 20150705 1,916.67 901.31 2,817.98 180,166.38
87 31 20150805 1,916.67 921.55 2,838.22 178,249.71
88 31 20150905 1,916.67 911.75 2,828.42 176,333.04
89 30 20151005 1,916.67 872.85 2,789.52 174,416.37
90 31 20151105 1,916.67 892.14 2,808.81 172,499.70
91 30 20151205 1,916.67 853.87 2,770.54 170,583.03
92 31 20160105 1,916.67 872.53 2,789.20 168,666.36
93 31 20160205 1,916.67 862.73 2,779.40 166,749.69
94 29 20160305 1,916.67 797.90 2,714.57 164,833.02
95 31 20160405 1,916.67 843.12 2,759.79 162,916.35
96 30 20160505 1,916.67 806.44 2,723.11 160,999.68
97 31 20160605 1,916.67 823.51 2,740.18 159,083.01
98 30 20160705 1,916.67 787.46 2,704.13 157,166.34
99 31 20160805 1,916.67 803.91 2,720.58 155,249.67
100 31 20160905 1,916.67 794.10 2,710.77 153,333.00
101 30 20161005 1,916.67 759.00 2,675.67 151,416.33
102 31 20161105 1,916.67 774.49 2,691.16 149,499.66
103 30 20161205 1,916.67 740.02 2,656.69 147,582.99
104 31 20170105 1,916.67 754.89 2,671.56 145,666.32
105 31 20170205 1,916.67 745.08 2,661.75 143,749.65
106 28 20170305 1,916.67 664.12 2,580.79 141,832.98
107 31 20170405 1,916.67 725.48 2,642.15 139,916.31
108 30 20170505 1,916.67 692.59 2,609.26 137,999.64
109 31 20170605 1,916.67 705.87 2,622.54 136,082.97
110 30 20170705 1,916.67 673.61 2,590.28 134,166.30
111 31 20170805 1,916.67 686.26 2,602.93 132,249.63
112 31 20170905 1,916.67 676.46 2,593.13 130,332.96
113 30 20171005 1,916.67 645.15 2,561.82 128,416.29
114 31 20171105 1,916.67 656.85 2,573.52 126,499.62
115 30 20171205 1,916.67 626.17 2,542.84 124,582.95
116 31 20180105 1,916.67 637.24 2,553.91 122,666.28
117 31 20180205 1,916.67 627.44 2,544.11 120,749.61
118 28 20180305 1,916.67 557.86 2,474.53 118,832.94
119 31 20180405 1,916.67 607.83 2,524.50 116,916.27
120 30 20180505 1,916.67 578.74 2,495.41 114,999.60
121 31 20180605 1,916.67 588.22 2,504.89 113,082.93
122 30 20180705 1,916.67 559.76 2,476.43 111,166.26
123 31 20180805 1,916.67 568.62 2,485.29 109,249.59
124 31 20180905 1,916.67 558.81 2,475.48 107,332.92
125 30 20181005 1,916.67 531.30 2,447.97 105,416.25
126 31 20181105 1,916.67 539.20 2,455.87 103,499.58
127 30 20181205 1,916.67 512.32 2,428.99 101,582.91
128 31 20190105 1,916.67 519.60 2,436.27 99,666.24
129 31 20190205 1,916.67 509.79 2,426.46 97,749.57
130 28 20190305 1,916.67 451.60 2,368.27 95,832.90
131 31 20190405 1,916.67 490.19 2,406.86 93,916.23
132 30 20190505 1,916.67 464.89 2,381.56 91,999.56
133 31 20190605 1,916.67 470.58 2,387.25 90,082.89
134 30 20190705 1,916.67 445.91 2,362.58 88,166.22
135 31 20190805 1,916.67 450.97 2,367.64 86,249.55
136 31 20190905 1,916.67 441.17 2,357.84 84,332.88
137 30 20191005 1,916.67 417.45 2,334.12 82,416.21
138 31 20191105 1,916.67 421.56 2,338.23 80,499.54
139 30 20191205 1,916.67 398.47 2,315.14 78,582.87
140 31 20200105 1,916.67 401.95 2,318.62 76,666.20
141 31 20200205 1,916.67 392.15 2,308.82 74,749.53
142 29 20200305 1,916.67 357.68 2,274.35 72,832.86
143 31 20200405 1,916.67 372.54 2,289.21 70,916.19
144 30 20200505 1,916.67 351.04 2,267.71 68,999.52
145 31 20200605 1,916.67 352.93 2,269.60 67,082.85
146 30 20200705 1,916.67 332.06 2,248.73 65,166.18
147 31 20200805 1,916.67 333.33 2,250.00 63,249.51
148 31 20200905 1,916.67 323.52 2,240.19 61,332.84
149 30 20201005 1,916.67 303.60 2,220.27 59,416.17
150 31 20201105 1,916.67 303.91 2,220.58 57,499.50
151 30 20201205 1,916.67 284.62 2,201.29 55,582.83
152 31 20210105 1,916.67 284.31 2,200.98 53,666.16
153 31 20210205 1,916.67 274.50 2,191.17 51,749.49
154 28 20210305 1,916.67 239.08 2,155.75 49,832.82
155 31 20210405 1,916.67 254.89 2,171.56 47,916.15
156 30 20210505 1,916.67 237.18 2,153.85 45,999.48
157 31 20210605 1,916.67 235.29 2,151.96 44,082.81
158 30 20210705 1,916.67 218.21 2,134.88 42,166.14
159 31 20210805 1,916.67 215.68 2,132.35 40,249.47
160 31 20210905 1,916.67 205.88 2,122.55 38,332.80
161 30 20211005 1,916.67 189.75 2,106.42 36,416.13
162 31 20211105 1,916.67 186.27 2,102.94 34,499.46
163 30 20211205 1,916.67 170.77 2,087.44 32,582.79
164 31 20220105 1,916.67 166.66 2,083.33 30,666.12
165 31 20220205 1,916.67 156.86 2,073.53 28,749.45
166 28 20220305 1,916.67 132.82 2,049.49 26,832.78
167 31 20220405 1,916.67 137.25 2,053.92 24,916.11
168 30 20220505 1,916.67 123.33 2,040.00 22,999.44
169 31 20220605 1,916.67 117.64 2,034.31 21,082.77
170 30 20220705 1,916.67 104.36 2,021.03 19,166.10
171 31 20220805 1,916.67 98.03 2,014.70 17,249.43
172 31 20220905 1,916.67 88.23 2,004.90 15,332.76
173 30 20221005 1,916.67 75.90 1,992.57 13,416.09
174 31 20221105 1,916.67 68.62 1,985.29 11,499.42
175 30 20221205 1,916.67 56.92 1,973.59 9,582.75
176 31 20230105 1,916.67 49.02 1,965.69 7,666.08
177 31 20230205 1,916.67 39.21 1,955.88 5,749.41
178 28 20230305 1,916.67 26.56 1,943.23 3,832.74
179 31 20230405 1,916.67 19.60 1,936.27 1,916.07
180 30 20230505 1,916.07 9.48 1,925.55 0.00
2. 按下调后的房贷利率计算贷款17万，交10年，每月应还款多少，累计利息多少
一,等额本息,利率下限
贷款总额： 170000
还款总额： 264042.04
支付利息款： 94042.04
首期付款： 0
贷款月数： 180(月)
月均还款： 1466.9(元)
二,等额本金,利率下限
贷款总额： 170000
还款总额： 251412.29
支付利息款： 81412.29
首期付款： 0
贷款月数： 180(月)
月还款额:
1月,1844.03(元)
2月,1839.03(元)
3月,1834.03(元)
4月,1829.03(元)
5月,1824.04(元)
6月,1819.04(元)
7月,1814.04(元)
8月,1809.04(元)
9月,1804.05(元)
10月,1799.05(元)
11月,1794.05(元)
12月,1789.05(元)
13月,1784.06(元)
14月,1779.06(元)
15月,1774.06(元)
16月,1769.06(元)
17月,1764.06(元)
18月,1759.07(元)
19月,1754.07(元)
20月,1749.07(元)
21月,1744.07(元)
22月,1739.08(元)
23月,1734.08(元)
24月,1729.08(元)
25月,1724.08(元)
26月,1719.09(元)
27月,1714.09(元)
28月,1709.09(元)
29月,1704.09(元)
30月,1699.09(元)
31月,1694.1(元)
32月,1689.1(元)
33月,1684.1(元)
34月,1679.1(元)
35月,1674.11(元)
36月,1669.11(元)
37月,1664.11(元)
38月,1659.11(元)
39月,1654.12(元)
40月,1649.12(元)
41月,1644.12(元)
42月,1639.12(元)
43月,1634.13(元)
44月,1629.13(元)
45月,1624.13(元)
46月,1619.13(元)
47月,1614.13(元)
48月,1609.14(元)
49月,1604.14(元)
50月,1599.14(元)
51月,1594.14(元)
52月,1589.15(元)
53月,1584.15(元)
54月,1579.15(元)
55月,1574.15(元)
56月,1569.16(元)
57月,1564.16(元)
58月,1559.16(元)
59月,1554.16(元)
60月,1549.16(元)
61月,1544.17(元)
62月,1539.17(元)
63月,1534.17(元)
64月,1529.17(元)
65月,1524.18(元)
66月,1519.18(元)
67月,1514.18(元)
68月,1509.18(元)
69月,1504.19(元)
70月,1499.19(元)
71月,1494.19(元)
72月,1489.19(元)
73月,1484.19(元)
74月,1479.2(元)
75月,1474.2(元)
76月,1469.2(元)
77月,1464.2(元)
78月,1459.21(元)
79月,1454.21(元)
80月,1449.21(元)
81月,1444.21(元)
82月,1439.22(元)
83月,1434.22(元)
84月,1429.22(元)
85月,1424.22(元)
86月,1419.22(元)
87月,1414.23(元)
88月,1409.23(元)
89月,1404.23(元)
90月,1399.23(元)
91月,1394.24(元)
92月,1389.24(元)
93月,1384.24(元)
94月,1379.24(元)
95月,1374.25(元)
96月,1369.25(元)
97月,1364.25(元)
98月,1359.25(元)
99月,1354.25(元)
100月,1349.26(元)
101月,1344.26(元)
102月,1339.26(元)
103月,1334.26(元)
104月,1329.27(元)
105月,1324.27(元)
106月,1319.27(元)
107月,1314.27(元)
108月,1309.28(元)
109月,1304.28(元)
110月,1299.28(元)
111月,1294.28(元)
112月,1289.28(元)
113月,1284.29(元)
114月,1279.29(元)
115月,1274.29(元)
116月,1269.29(元)
117月,1264.3(元)
118月,1259.3(元)
119月,1254.3(元)
120月,1249.3(元)
121月,1244.31(元)
122月,1239.31(元)
123月,1234.31(元)
124月,1229.31(元)
125月,1224.31(元)
126月,1219.32(元)
127月,1214.32(元)
128月,1209.32(元)
129月,1204.32(元)
130月,1199.33(元)
131月,1194.33(元)
132月,1189.33(元)
133月,1184.33(元)
134月,1179.34(元)
135月,1174.34(元)
136月,1169.34(元)
137月,1164.34(元)
138月,1159.34(元)
139月,1154.35(元)
140月,1149.35(元)
141月,1144.35(元)
142月,1139.35(元)
143月,1134.36(元)
144月,1129.36(元)
145月,1124.36(元)
146月,1119.36(元)
147月,1114.37(元)
148月,1109.37(元)
149月,1104.37(元)
150月,1099.37(元)
151月,1094.38(元)
152月,1089.38(元)
153月,1084.38(元)
154月,1079.38(元)
155月,1074.38(元)
156月,1069.39(元)
157月,1064.39(元)
158月,1059.39(元)
159月,1054.39(元)
160月,1049.4(元)
161月,1044.4(元)
162月,1039.4(元)
163月,1034.4(元)
164月,1029.41(元)
165月,1024.41(元)
166月,1019.41(元)
167月,1014.41(元)
168月,1009.41(元)
169月,1004.42(元)
170月,999.42(元)
171月,994.42(元)
172月,989.42(元)
173月,984.43(元)
174月,979.43(元)
175月,974.43(元)
176月,969.43(元)
177月,964.44(元)
178月,959.44(元)
179月,954.44(元)
180月,949.44(元)
3. 利率下调，房贷相应的下调。想知道贷款后还款的计算方式
遇到贷款利率下调，执行中的贷款需要等到次年1月1日才作相应的调整，调整方法，按新的基准利率和原来的上浮或折扣率计算新的执行利率。比如：
原基准利率6%，上浮10%，执行利率6%*(1+10%)=6.6%
新基准利率5.5%，则新的执行利率是5.5%*(1+10%)=6.05%
调整后的每月还款额，按贷款余额重新计算。例如：
2012年3月10日贷款300000元，期限20年，等额本息还款法。基准利率7.07%，上浮10%，执行7.05*(1+10%)=7.755%，则每月还款：
=PMT(7.755%/12,20*12,300000,0,0)
=2463.77（元）
2012年6月基准调整利率为6.8%、7月调整利率6.55%，则2013年1月1日起执行利率6.55*(1+10%)=7.205%，
而4-12月已还款9次，还款总额=2463.77*9= 22173.93 元
元（其中利息 4849.20元，本金17324.73元），余额300000-4849.2=295150.80元，
则每月还款：
=PMT(7.205%/12,20*12-9,295150.80,0,0)
=2365.59（元）
附函数：
公式各参数名称：
=Pmt(Rate,Nper,Pv,Fv,Type)
Pmt—每期供款 【月供=期限（年）*12】
Rate—每期利率。*12就是年利率
Nper—期数。期限（年*12）
Fv—终值（贷款还清，为0）
Type—类型，期末还款为0，期初还款为1