发布时间 : 星期日 文章购房策略问题更新完毕开始阅读5d952bef856a561252d36fbd
表4.外甥A每月还款数额和利息
月贷款数额 月利率 份 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 68561.05 67572.86 66579.94 65582.28 64579.84 63572.62 62560.57 61543.69 60521.95 59495.32 58463.78 57427.31 56385.88 55339.48 54288.07 53231.63 52170.15 51103.59 50031.93 48955.14 47873.21 46786.1 45693.8 44596.27 43493.5 42385.45 41272.11 40153.44 39029.42 37900.03 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 每月利息 还款数 327.81 1316 323.08 1316 318.34 1316 313.57 1316 308.77 1316 303.96 1316 299.12 1316 294.26 1316 289.37 1316 284.46 1316 279.53 1316 274.57 1316 269.60 1316 264.59 1316 259.56 1316 254.51 1316 249.44 1316 244.34 1316 239.22 1316 234.07 1316 228.89 1316 223.70 1316 218.47 1316 213.23 1316 207.95 1316 202.66 1316 197.33 1316 191.98 1316 186.61 1316 181.21 1316 月贷款数额 月利率 份 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 36765.24 35625.02 34479.36 33328.21 32171.56 31009.38 29841.65 28668.33 27489.4 26304.83 25114.6 23918.68 22717.04 21509.66 20296.5 19077.54 17852.76 16622.12 15385.59 14143.15 12894.77 11640.43 10380.08 9113.713 7841.288 6562.779 5278.157 3987.393 2690.458 1387.322 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 0.004781 每月利息 还款数 175.78 1316 170.33 1316 164.85 1316 159.35 1316 153.82 1316 148.26 1316 142.68 1316 137.07 1316 131.43 1316 125.77 1316 120.08 1316 114.36 1316 108.62 1316 102.84 1316 97.04 1316 91.21 1316 85.36 1316 79.47 1316 73.56 1316 67.62 1316 61.65 1316 55.66 1316 49.63 1316 43.57 1316 37.49 1316 31.38 1316 25.24 1316 19.06 1316 12.86 1316 6.63 1316 模型四：多种组合最佳方案
是对模型三的扩展，我们采用了模型三的方法对其进行求解，使最终所付的理总和最小化，也就是使平均每个购房者所付利息较少，在求解过程中我们利用了房贷计算器对其进行试探性求解，排除了一些不合理方案，是最终的方案实现了利息最小化的目标，求解过程如下：假设不采取该种方案所付的利息总和为
f?21192?14103?22166?9468?2055?24406?7071?100461
8
外甥B 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 贷款金额 200000 197418 194824.1 192218.4 189600.7 186970.9 184329.1 181675.2 179009.1 176330.7 173640.1 170937.1 148221.7 145402.1 142569.5 139723.8 136865.2 133993.4 131108.4 128210.2 125298.7 122373.8 119435.5 116483.7 93518.38 90447.62 87362.78 84263.77 81150.55 78023.03 74881.15 71724.86 68554.07 65368.74 62168.78 58954.13 35724.73 32388.71 29037.37 25670.66 22288.48 具体求解过程见下表： 利率 利息 0.00459 918 0.00459 906.1486 0.00459 894.2428 0.00459 882.2824 0.00459 870.2671 0.00459 858.1966 0.00459 846.0707 0.00459 833.8892 0.00459 821.6518 0.00459 809.3581 0.00459 797.0081 0.00459 784.6014 0.00459 680.3377 0.00459 667.3954 0.00459 654.3938 0.00459 641.3324 0.00459 628.2112 0.00459 615.0296 0.00459 601.7876 0.00459 588.4848 0.00459 575.121 0.00459 561.6958 0.00459 548.209 0.00459 534.6603 0.00459 429.2493 0.00459 415.1546 0.00459 400.9952 0.00459 386.7707 0.00459 372.481 0.00459 358.1257 0.00459 343.7045 0.00459 329.2171 0.00459 314.6632 0.00459 300.0425 0.00459 285.3547 0.00459 270.5995 0.00459 163.9765 0.00459 148.6642 0.00459 133.2815 0.00459 117.8283 0.00459 102.3041 9
还款额 3500 3500 3500 3500 3500 3500 3500 3500 3500 3500 3500 23500 3500 3500 3500 3500 3500 3500 3500 3500 3500 3500 3500 23500 3500 3500 3500 3500 3500 3500 3500 3500 3500 3500 3500 23500 3500 3500 3500 3500 3500
42 43 44 45 46 外甥C 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 18890.79 15477.5 12048.54 8603.841 5143.333 贷款金额 100000 97659 95307.25 92944.72 90571.33 88187.05 85791.83 83385.62 80968.36 78540 76100.5 73649.8 71187.85 68714.61 66230.01 63734 61226.54 58707.57 56177.04 53634.89 51081.08 48515.54 45938.22 43349.08 40748.05 38135.09 35510.13 32873.12 30224.01 27562.73 24889.25 22203.49 19505.4 16794.93 14072.02 0.00459 0.00459 0.00459 0.00459 0.00459 利率 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 10
86.70872 71.04171 55.30279 39.49163 23.6079 22666.94 利息 459 448.2548 437.4603 426.6162 415.7224 404.7786 393.7845 382.74 371.6448 360.4986 349.3013 338.0526 326.7523 315.4 303.9957 292.5391 281.0298 269.4678 257.8526 246.1842 234.4621 222.6863 210.8564 198.9723 187.0336 175.04 162.9915 150.8876 138.7282 126.5129 114.2416 101.914 89.5298 77.08874 64.59058 3500 3500 3500 3500 3500 还款额 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800 2800
36 37 38 39 外甥C 1 2 3 4 5 6 7 8 9 10 11 12 外甥D 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 11336.61 8588.646 5828.068 3054.819 贷款数额 50000 47729.5 45448.58 43157.19 40855.28 38542.8 36219.72 33885.96 31541.5 29186.28 26820.24 24443.35 贷款数额 170000 167480.3 164949 162406.2 159851.6 157285.3 154707.3 152117.4 149515.6 146901.9 144276.1 141638.4 138988.5 136326.4 133652.2 130965.6 128266.8 125555.5 122831.8 120095.6 117346.9 0.00459 0.00459 0.00459 0.00459 利率 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 利率 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 0.00459 11
52.03505 39.42189 26.75083 14.02162 9468.841 利息 229.5 219.0784 208.609 198.0915 187.5257 176.9115 166.2485 155.5366 144.7755 133.965 123.1049 112.195 2055.542 利息 780.3 768.7346 757.1161 745.4442 733.7188 721.9396 710.1063 698.2187 686.2765 674.2795 662.2275 650.1201 637.9571 625.7384 613.4635 601.1323 588.7445 576.2998 563.798 551.2389 538.6221 2800 2800 2800 2800 还款金额 2500 2500 2500 2500 2500 2500 2500 2500 2500 2500 2500 32500 还款金额 3300 3300 3300 3300 3300 3300 3300 3300 3300 3300 3300 3300 3300 3300 3300 3300 3300 3300 3300 3300 3300