贷款买房哪种方式还贷划算？

用什么方法偿还贷款？我们知道在银行申请贷款购买，银行提供两种偿还方式，一种是等额本金偿还法，一种是等额本金偿还法，这两种方式有什么区别，哪种更划算？

什么是等额本息还款法？

等额本息是指一种购房贷款的还款方式，在还款期间，每个月还同等额度的贷款（含本金和利息），这样由于每个月的还款额是固定的，可以有计划的控制家庭收入的开支，也方便每个家庭根据自己的收入情况，确定还款能力.

等额本息偿还法加上贷款本金总额和利息总额，平均分配到偿还期限的每月，每月偿还额固定，但每月偿还额的本金比例逐月增加，利息比例逐月减少.这种方法是目前最常见的，也是大多数银行长期推荐的方法.

等额本息计算方式:

每月还本息金额=【本金·本金·本金·本金·本金·本金·本金·本金·本金·本金·本金·本金·本金·本金·本金················································································································································································································································································································································································································································································································································································································································································································································································································································································································································································

每月利息=剩本金x贷款月利息

还款总利息=贷款金额*贷款月数*月利息*(1月利息月数/【1月利息还款月数-1-贷款金额

还款总额=还款月数*贷款金额*月利率*(1月利率贷款月数/【1月利率还款月数-1

注意:在等额本息法中，银行一般先收取剩馀本金利息，然后收取本金，因此利息在月薪中的比例随本金的减少而降低，本金在月薪中的比例上升，但月薪总额不变.

等额本息偿还法的优缺点

优点:每月同样的金额，作为贷款人操作比较简单.每月承担同样的钱也容易安排收支.

缺点:利率不会随本金额的偿还而减少，银行资金占有时间长，偿还总利率高于以下介绍的等额本金偿还法.

等额本息偿还法适用于人

适用人群:等额本息每月偿还额相同，适用于有正常支出计划的家庭，特别是年轻人，经济条件不允许前期投入过大，可以选择公务员、教师等收入和工作机会相对稳定的群体.

什么是等额本金还款法？

等额本金偿还是指贷款人将本金分配到每月以内，同时支付从上一个交易日到本次偿还日之间的利息.

等额本金偿还法是指偿还期间将贷款总额等分，每月偿还同额本金和剩馀贷款本月产生的利息，每月偿还本金额固定，利息减少，贷款人最初偿还压力大，但随着时间的推移每月偿还数量也减少.