住宅贷款还款计划

在30年期限的100万住宅贷款中，每月还款金额取决于贷款利率。假设利率为5%，则每月还款金额为：$4,774.42。

每月本金支付

每月还款金额中的一部分用于支付本金，而另一部分用于支付利息。随着时间的推移，支付的本金金额会逐渐增加，而利息金额会逐渐减少。下表显示了前12个月的每月本金支付情况：

| 月份 | 本金支付 | 余额 |

|---|---|---|

| 1 | $373.34 | $996,266.66 |

| 2 | $381.41 | $992,685.25 |

| 3 | $389.55 | $989,045.70 |

| 4 | $397.76 | $985,347.94 |

| 5 | $406.05 | $981,591.89 |

| 6 | $414.43 | $977,777.46 |

| 7 | $422.90 | $973,894.56 |

| 8 | $431.47 | $969,946.09 |

| 9 | $440.14 | $965,935.95 |

| 10 | $448.92 | $961,866.03 |

| 11 | $457.81 | $957,738.22 |

| 12 | $466.82 | $953,561.40 |

分年分月还款计划

下表显示了前5年的分年分月还款计划：

第1年

| 月份 | 本金支付 | 利息支付 | 余额 |

|---|---|---|---|

| 1 | $373.34 | $4,401.08 | $996,266.66 |

| 2 | $381.41 | $4,392.99 | $992,685.25 |

| 3 | $389.55 | $4,384.90 | $989,045.70 |

| 4 | $397.76 | $4,376.83 | $985,347.94 |

| 5 | $406.05 | $4,368.84 | $981,591.89 |

| 6 | $414.43 | $4,360.96 | $977,777.46 |

| 7 | $422.90 | $4,353.19 | $973,894.56 |

| 8 | $431.47 | $4,345.52 | $969,946.09 |

| 9 | $440.14 | $4,337.95 | $965,935.95 |

| 10 | $448.92 | $4,330.50 | $961,866.03 |

| 11 | $457.81 | $4,323.11 | $957,738.22 |

| 12 | $466.82 | $4,315.81 | $953,561.40 |

第2年

| 月份 | 本金支付 | 利息支付 | 余额 |

|---|---|---|---|

| 1 | $475.96 | $4,298.46 | $953,561.40 |

| 2 | $485.21 | $4,291.20 | $949,270.19 |

| 3 | $494.54 | $4,283.97 | $944,915.65 |

| 4 | $503.98 | $4,276.83 | $940,487.83 |

| 5 | $513.54 | $4,269.77 | $936,024.29 |

| 6 | $523.21 | $4,262.80 | $931,511.08 |

| 7 | $532.98 | $4,255.93 | $926,948.10 |

| 8 | $542.86 | $4,249.15 | $922,345.24 |

| 9 | $552.85 | $4,242.46 | $917,692.39 |

| 10 | $562.96 | $4,235.85 | $912,979.43 |

| 11 | $573.20 | $4,229.31 | $908,206.23 |

| 12 | $583.55 | $4,222.86 | $903,369.68 |

第3年

| 月份 | 本金支付 | 利息支付 | 余额 |

|---|---|---|---|

| 1 | $594.03 | $4,216.52 | $903,369.68 |

| 2 | $604.62 | $4,210.23 | $898,494.46 |

| 3 | $615.33 | $4,203.98 | $893,569.13 |

| 4 | $626.17 | $4,207.84 | $888,592.96 |

| 5 | $637.13 | $4,191.88 | $883,575.83 |

| 6 | $648.21 | $4,185.99 | $878,507.62 |

| 7 | $659.41 | $4,180.20 | $873,388.21 |

| 8 | $670.73 | $4,204.52 | $868,217.48 |

| 9 | $682.18 | $4,201.79 | $862,985.30 |

| 10 | $693.75 | $4,207.26 | $857,691.55 |

| 11 | $705.43 | $4,201.18 | $852,336.12 |

| 12 | $717.23 | $4,208.18 | $846,918.89 |

第4年

| 月份 | 本金支付 | 利息支付 | 余额 |

|---|---|---|---|

| 1 | $729.15 | $4,207.66 | $846,918.89 |

| 2 | $741.18 | $4,208.23 | $841,457.71 |

| 3 | $753.33 | $4,208.88 | $836,943.88 |

| 4 | $765.60 | $4,204.21 | $831,388.28 |

| 5 | $777.99 | $4,204.42 | $825,76