[算账][真实][当下]刚才算了一笔帐，结果很辛酸！

该用户已被禁言

以现在上海市区的房价，基本上买一套房总价都在一百万以上。如果一对工薪阶级贷款80万买房，分20年还贷，那么除了本金，他们要还多少利息呢？我粗略算了一下。

除去本金80万，他们总共需要还的利息是61.9万。也就是说二十年里，平均每年要还3万多的利息，相当于每个月3千不到一点。

而现在大学生的工资是多少？！3千元每月工资的工作你做不做？！就算你做，3千元工资也刚够还利息。仅仅是利息。。。。。。。




以下是工行的理财计算器，大家可以自己算，一点不虚假
http://www.icbc.com.cn/calculator/calculator_per.jsp


个人贷款理财计算器
贷款金额：800000.0元 贷款期限：20.0年
贷款年利率：6.39% 还款方式：等额本息
期数 应还本金 应还利息 月还款额 贷款余额
0     800000.0
1 1,652.89 4,260.00 5,912.89 798,347.11
2 1,661.69 4,251.20 5,912.89 796,685.42
3 1,670.54 4,242.35 5,912.89 795,014.88
4 1,679.44 4,233.45 5,912.89 793,335.44
5 1,688.38 4,224.51 5,912.89 791,647.06
6 1,697.37 4,215.52 5,912.89 789,949.69
7 1,706.41 4,206.48 5,912.89 788,243.28
8 1,715.49 4,197.40 5,912.89 786,527.79
9 1,724.63 4,188.26 5,912.89 784,803.16
10 1,733.81 4,179.08 5,912.89 783,069.35
11 1,743.05 4,169.84 5,912.89 781,326.30
12 1,752.33 4,160.56 5,912.89 779,573.97
13 1,761.66 4,151.23 5,912.89 777,812.31
14 1,771.04 4,141.85 5,912.89 776,041.27
15 1,780.47 4,132.42 5,912.89 774,260.80
16 1,789.95 4,122.94 5,912.89 772,470.85
17 1,799.48 4,113.41 5,912.89 770,671.37
18 1,809.07 4,103.83 5,912.89 768,862.30
19 1,818.70 4,094.19 5,912.89 767,043.61
20 1,828.38 4,084.51 5,912.89 765,215.22
21 1,838.12 4,074.77 5,912.89 763,377.10
22 1,847.91 4,064.98 5,912.89 761,529.20
23 1,857.75 4,055.14 5,912.89 759,671.45
24 1,867.64 4,045.25 5,912.89 757,803.81
25 1,877.58 4,035.31 5,912.89 755,926.22
26 1,887.58 4,025.31 5,912.89 754,038.64
27 1,897.63 4,015.26 5,912.89 752,141.01
28 1,907.74 4,005.15 5,912.89 750,233.27
29 1,917.90 3,994.99 5,912.89 748,315.37
30 1,928.11 3,984.78 5,912.89 746,387.26
31 1,938.38 3,974.51 5,912.89 744,448.88
32 1,948.70 3,964.19 5,912.89 742,500.18
33 1,959.08 3,953.81 5,912.89 740,541.10
34 1,969.51 3,943.38 5,912.89 738,571.60
35 1,980.00 3,932.89 5,912.89 736,591.60
36 1,990.54 3,922.35 5,912.89 734,601.06
37 2,001.14 3,911.75 5,912.89 732,599.92
38 2,011.80 3,901.09 5,912.89 730,588.12
39 2,022.51 3,890.38 5,912.89 728,565.62
40 2,033.28 3,879.61 5,912.89 726,532.34
41 2,044.11 3,868.78 5,912.89 724,488.23
42 2,054.99 3,857.90 5,912.89 722,433.24
43 2,065.93 3,846.96 5,912.89 720,367.31
44 2,076.93 3,835.96 5,912.89 718,290.37
45 2,087.99 3,824.90 5,912.89 716,202.38
46 2,099.11 3,813.78 5,912.89 714,103.27
47 2,110.29 3,802.60 5,912.89 711,992.98
48 2,121.53 3,791.36 5,912.89 709,871.45
49 2,132.82 3,780.07 5,912.89 707,738.62
50 2,144.18 3,768.71 5,912.89 705,594.44
51 2,155.60 3,757.29 5,912.89 703,438.84
52 2,167.08 3,745.81 5,912.89 701,271.76
53 2,178.62 3,734.27 5,912.89 699,093.15
54 2,190.22 3,722.67 5,912.89 696,902.93
55 2,201.88 3,711.01 5,912.89 694,701.04
56 2,213.61 3,699.28 5,912.89 692,487.44
57 2,225.39 3,687.50 5,912.89 690,262.04
58 2,237.24 3,675.65 5,912.89 688,024.80
59 2,249.16 3,663.73 5,912.89 685,775.64
60 2,261.13 3,651.76 5,912.89 683,514.50
61 2,273.18 3,639.71 5,912.89 681,241.33
62 2,285.28 3,627.61 5,912.89 678,956.05
63 2,297.45 3,615.44 5,912.89 676,658.60
64 2,309.68 3,603.21 5,912.89 674,348.92
65 2,321.98 3,590.91 5,912.89 672,026.93
66 2,334.35 3,578.54 5,912.89 669,692.59
67 2,346.78 3,566.11 5,912.89 667,345.81
68 2,359.27 3,553.62 5,912.89 664,986.54
69 2,371.84 3,541.05 5,912.89 662,614.70
70 2,384.47 3,528.42 5,912.89 660,230.23
71 2,397.16 3,515.73 5,912.89 657,833.07
72 2,409.93 3,502.96 5,912.89 655,423.14
73 2,422.76 3,490.13 5,912.89 653,000.38
74 2,435.66 3,477.23 5,912.89 650,564.71
75 2,448.63 3,464.26 5,912.89 648,116.08
76 2,461.67 3,451.22 5,912.89 645,654.41
77 2,474.78 3,438.11 5,912.89 643,179.63
78 2,487.96 3,424.93 5,912.89 640,691.67
79 2,501.21 3,411.68 5,912.89 638,190.46
80 2,514.53 3,398.36 5,912.89 635,675.94
81 2,527.92 3,384.97 5,912.89 633,148.02
82 2,541.38 3,371.51 5,912.89 630,606.64
83 2,554.91 3,357.98 5,912.89 628,051.73
84 2,568.51 3,344.38 5,912.89 625,483.22
85 2,582.19 3,330.70 5,912.89 622,901.03
86 2,595.94 3,316.95 5,912.89 620,305.08
87 2,609.77 3,303.12 5,912.89 617,695.32
88 2,623.66 3,289.23 5,912.89 615,071.66
89 2,637.63 3,275.26 5,912.89 612,434.02
90 2,651.68 3,261.21 5,912.89 609,782.34
91 2,665.80 3,247.09 5,912.89 607,116.54
92 2,679.99 3,232.90 5,912.89 604,436.55
93 2,694.27 3,218.62 5,912.89 601,742.28
94 2,708.61 3,204.28 5,912.89 599,033.67
95 2,723.04 3,189.85 5,912.89 596,310.64
96 2,737.54 3,175.35 5,912.89 593,573.10
97 2,752.11 3,160.78 5,912.89 590,820.99
98 2,766.77 3,146.12 5,912.89 588,054.22
99 2,781.50 3,131.39 5,912.89 585,272.72
100 2,796.31 3,116.58 5,912.89 582,476.40
101 2,811.20 3,101.69 5,912.89 579,665.20
102 2,826.17 3,086.72 5,912.89 576,839.03
103 2,841.22 3,071.67 5,912.89 573,997.80
104 2,856.35 3,056.54 5,912.89 571,141.45
105 2,871.56 3,041.33 5,912.89 568,269.89
106 2,886.85 3,026.04 5,912.89 565,383.04
107 2,902.23 3,010.66 5,912.89 562,480.81
108 2,917.68 2,995.21 5,912.89 559,563.13
109 2,933.22 2,979.67 5,912.89 556,629.91
110 2,948.84 2,964.05 5,912.89 553,681.08
111 2,964.54 2,948.35 5,912.89 550,716.54
112 2,980.32 2,932.57 5,912.89 547,736.22
113 2,996.19 2,916.70 5,912.89 544,740.02
114 3,012.15 2,900.74 5,912.89 541,727.87
115 3,028.19 2,884.70 5,912.89 538,699.68
116 3,044.31 2,868.58 5,912.89 535,655.37
117 3,060.53 2,852.36 5,912.89 532,594.84
118 3,076.82 2,836.07 5,912.89 529,518.02
119 3,093.21 2,819.68 5,912.89 526,424.81
120 3,109.68 2,803.21 5,912.89 523,315.13
121 3,126.24 2,786.65 5,912.89 520,188.90
122 3,142.88 2,770.01 5,912.89 517,046.01
123 3,159.62 2,753.27 5,912.89 513,886.39
124 3,176.45 2,736.45 5,912.89 510,709.95
125 3,193.36 2,719.53 5,912.89 507,516.59
126 3,210.36 2,702.53 5,912.89 504,306.22
127 3,227.46 2,685.43 5,912.89 501,078.76
128 3,244.65 2,668.24 5,912.89 497,834.12
129 3,261.92 2,650.97 5,912.89 494,572.19
130 3,279.29 2,633.60 5,912.89 491,292.90
131 3,296.76 2,616.13 5,912.89 487,996.15
132 3,314.31 2,598.58 5,912.89 484,681.83
133 3,331.96 2,580.93 5,912.89 481,349.88
134 3,349.70 2,563.19 5,912.89 478,000.17
135 3,367.54 2,545.35 5,912.89 474,632.63
136 3,385.47 2,527.42 5,912.89 471,247.16
137 3,403.50 2,509.39 5,912.89 467,843.66
138 3,421.62 2,491.27 5,912.89 464,422.04
139 3,439.84 2,473.05 5,912.89 460,982.20
140 3,458.16 2,454.73 5,912.89 457,524.04
141 3,476.57 2,436.32 5,912.89 454,047.46
142 3,495.09 2,417.80 5,912.89 450,552.38
143 3,513.70 2,399.19 5,912.89 447,038.68
144 3,532.41 2,380.48 5,912.89 443,506.27
145 3,551.22 2,361.67 5,912.89 439,955.05
146 3,570.13 2,342.76 5,912.89 436,384.92
147 3,589.14 2,323.75 5,912.89 432,795.78
148 3,608.25 2,304.64 5,912.89 429,187.53
149 3,627.47 2,285.42 5,912.89 425,560.06
150 3,646.78 2,266.11 5,912.89 421,913.28
151 3,666.20 2,246.69 5,912.89 418,247.07
152 3,685.72 2,227.17 5,912.89 414,561.35
153 3,705.35 2,207.54 5,912.89 410,856.00
154 3,725.08 2,187.81 5,912.89 407,130.92
155 3,744.92 2,167.97 5,912.89 403,386.00
156 3,764.86 2,148.03 5,912.89 399,621.14
157 3,784.91 2,127.98 5,912.89 395,836.23
158 3,805.06 2,107.83 5,912.89 392,031.17
159 3,825.32 2,087.57 5,912.89 388,205.84
160 3,845.69 2,067.20 5,912.89 384,360.15
161 3,866.17 2,046.72 5,912.89 380,493.98
162 3,886.76 2,026.13 5,912.89 376,607.22
163 3,907.46 2,005.43 5,912.89 372,699.76
164 3,928.26 1,984.63 5,912.89 368,771.50
165 3,949.18 1,963.71 5,912.89 364,822.31
166 3,970.21 1,942.68 5,912.89 360,852.10
167 3,991.35 1,921.54 5,912.89 356,860.75
168 4,012.61 1,900.28 5,912.89 352,848.14
169 4,033.97 1,878.92 5,912.89 348,814.17
170 4,055.45 1,857.44 5,912.89 344,758.71
171 4,077.05 1,835.84 5,912.89 340,681.66
172 4,098.76 1,814.13 5,912.89 336,582.90
173 4,120.59 1,792.30 5,912.89 332,462.32
174 4,142.53 1,770.36 5,912.89 328,319.79
175 4,164.59 1,748.30 5,912.89 324,155.20
176 4,186.76 1,726.13 5,912.89 319,968.44
177 4,209.06 1,703.83 5,912.89 315,759.38
178 4,231.47 1,681.42 5,912.89 311,527.91
179 4,254.00 1,658.89 5,912.89 307,273.90
180 4,276.66 1,636.23 5,912.89 302,997.25
181 4,299.43 1,613.46 5,912.89 298,697.82
182 4,322.32 1,590.57 5,912.89 294,375.49
183 4,345.34 1,567.55 5,912.89 290,030.15
184 4,368.48 1,544.41 5,912.89 285,661.67
185 4,391.74 1,521.15 5,912.89 281,269.93
186 4,415.13 1,497.76 5,912.89 276,854.80
187 4,438.64 1,474.25 5,912.89 272,416.17
188 4,462.27 1,450.62 5,912.89 267,953.89
189 4,486.04 1,426.85 5,912.89 263,467.86
190 4,509.92 1,402.97 5,912.89 258,957.93
191 4,533.94 1,378.95 5,912.89 254,423.99
192 4,558.08 1,354.81 5,912.89 249,865.91
193 4,582.35 1,330.54 5,912.89 245,283.56
194 4,606.76 1,306.13 5,912.89 240,676.80
195 4,631.29 1,281.60 5,912.89 236,045.51
196 4,655.95 1,256.94 5,912.89 231,389.57
197 4,680.74 1,232.15 5,912.89 226,708.83
198 4,705.67 1,207.22 5,912.89 222,003.16
199 4,730.72 1,182.17 5,912.89 217,272.44
200 4,755.91 1,156.98 5,912.89 212,516.52
201 4,781.24 1,131.65 5,912.89 207,735.28
202 4,806.70 1,106.19 5,912.89 202,928.58
203 4,832.30 1,080.59 5,912.89 198,096.29
204 4,858.03 1,054.86 5,912.89 193,238.26
205 4,883.90 1,028.99 5,912.89 188,354.36
206 4,909.90 1,002.99 5,912.89 183,444.46
207 4,936.05 976.84 5,912.89 178,508.41
208 4,962.33 950.56 5,912.89 173,546.08
209 4,988.76 924.13 5,912.89 168,557.32
210 5,015.32 897.57 5,912.89 163,542.00
211 5,042.03 870.86 5,912.89 158,499.97
212 5,068.88 844.01 5,912.89 153,431.09
213 5,095.87 817.02 5,912.89 148,335.22
214 5,123.01 789.89 5,912.89 143,212.22
215 5,150.29 762.61 5,912.89 138,061.93
216 5,177.71 735.18 5,912.89 132,884.22
217 5,205.28 707.61 5,912.89 127,678.94
218 5,233.00 679.89 5,912.89 122,445.94
219 5,260.87 652.02 5,912.89 117,185.07
220 5,288.88 624.01 5,912.89 111,896.19
221 5,317.04 595.85 5,912.89 106,579.15
222 5,345.36 567.53 5,912.89 101,233.79
223 5,373.82 539.07 5,912.89 95,859.97
224 5,402.44 510.45 5,912.89 90,457.54
225 5,431.20 481.69 5,912.89 85,026.33
226 5,460.13 452.77 5,912.89 79,566.21
227 5,489.20 423.69 5,912.89 74,077.01
228 5,518.43 394.46 5,912.89 68,558.58
229 5,547.82 365.07 5,912.89 63,010.76
230 5,577.36 335.53 5,912.89 57,433.41
231 5,607.06 305.83 5,912.89 51,826.35
232 5,636.91 275.98 5,912.89 46,189.43
233 5,666.93 245.96 5,912.89 40,522.50
234 5,697.11 215.78 5,912.89 34,825.39
235 5,727.45 185.45 5,912.89 29,097.95
236 5,757.94 154.95 5,912.89 23,340.00
237 5,788.60 124.29 5,912.89 17,551.40
238 5,819.43 93.46 5,912.89 11,731.97
239 5,850.42 62.47 5,912.89 5,881.55
240 5,881.57 31.32 5,912.89 0.00
合计 800,000.00 619,093.64 1,419,093.64  





我快吐血了.

该用户已被禁言

还好我不用买房子。。买车就好了。。哈哈

zhxyg123

额...我也是上海的.也是没有买房的..别刺激我了

黄猫

工资是会长的

我老婆在同一个公司，从500长到7000

用了3年

ksana

***才去算這些賬……

该用户已被禁言

上海，深圳，北京，广州。。。。这些城市现在买套房都要在100万以上吧？！

朱厚照

想靠自己一个人在魔都买房 基本是做梦...........

kevinenzo

上海的房价啊..........这几年真是张疯了.....前几年对面楼盘9000,现在翻翻,市中心别说了.........

zhxyg123

下面是引用黄猫于2007-11-21 17:16发表的:
工资是会长的

我老婆在同一个公司，从500长到7000

用了3年

............................

该用户已被禁言

下面是引用ksana于2007-11-21 17:16发表的:
***才去算這些賬……

不算的更傻，自欺欺人而已，***而已。。。。