房产抵押贷款 40 万，6 年月供多少？详细解析还款计划

在申请房产抵押贷款时，借款人最关心的问题之一就是月供的金额。本文旨在详细解析 40 万元 6 年期房产抵押贷款的月供金额，并提供还款计划的示例。

贷款金额和期限

本例中，贷款金额为 40 万元，贷款期限为 6 年。假设贷款利率为 5%，还款方式为等额本息还款。

月供计算

等额本息还款是一种常见的还款方式，它将每月的还款额均摊为本金和利息两部分。贷款月供的计算公式为：

月供 = [贷款金额 (贷款利率 / 12)] [(1 + 贷款利率 / 12)^贷款期限 贷款期限] / [(1 + 贷款利率 / 12)^贷款期限 - 1]

将上述参数代入公式，可得：

月供 = [400000 (0.05 / 12)] [(1 + 0.05 / 12)^6 6] / [(1 + 0.05 / 12)^6 - 1] = 7,589.04 元

还款计划

下表提供了 40 万元 6 年期房产抵押贷款的还款计划示例：

| 期数 | 本金（元） | 利息（元） | 月供（元） | 未还本金（元） |

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

| 1 | 623.36 | 7,065.68 | 7,589.04 | 393,777.64 |

| 2 | 1,272.91 | 6,916.13 | 7,589.04 | 387,181.59 |

| 3 | 1,947.29 | 6,741.75 | 7,589.04 | 378,411.28 |

| 4 | 2,645.33 | 6,543.71 | 7,589.04 | 367,465.95 |

| 5 | 3,365.89 | 6,323.15 | 7,589.04 | 354,300.06 |

| 6 | 4,108.81 | 6,080.23 | 7,589.04 | 339,021.25 |

| 7 | 4,873.89 | 5,815.15 | 7,589.04 | 321,464.11 |

| 8 | 5,660.93 | 5,528.11 | 7,589.04 | 301,623.18 |

| 9 | 6,470.63 | 5,218.41 | 7,589.04 | 279,542.55 |

| 10 | 7,302.71 | 4,916.33 | 7,589.04 | 254,239.84 |

| 11 | 8,156.89 | 4,592.15 | 7,589.04 | 226,682.95 |

| 12 | 9,033.01 | 4,256.03 | 7,589.04 | 197,649.94 |

| 13 | 9,931.01 | 3,908.03 | 7,589.04 | 167,718.93 |

| 14 | 10,850.73 | 3,548.31 | 7,589.04 | 136,868.20 |

| 15 | 11,792.01 | 3,207.03 | 7,589.04 | 105,076.19 |

| 16 | 12,754.69 | 2,834.35 | 7,589.04 | 72,321.50 |

| 17 | 13,738.61 | 2,450.43 | 7,589.04 | 38,582.89 |

| 18 | 14,743.73 | 2,045.31 | 7,589.04 | 4,839.16 |

| 19 | 15,769.99 | 1,629.05 | 7,589.04 | 0.00 |

| 20 | 16,817.39 | 0 | 7,589.04 | 0.00 |

| 21 | 17,885.95 | 0 | 7,589.04 | 0.00 |

| 22 | 18,975.69 | 0 | 7,589.04 | 0.00 |

| 23 | 20,086.63 | 0 | 7,589.04 | 0.00 |

| 24 | 21,218.79 | 0 | 7,589.04 | 0.00 |

| 25 | 22,372.19 | 0 | 7,589.04 | 0.00 |

| 26 | 23,546.87 | 0 | 7,589.04 | 0.00 |

| 27 | 24,742.85 | 0 | 7,589.04 | 0.00 |

| 28 | 25,960.15 | 0 | 7,589.04 | 0.00 |

| 29 | 27,198.79 | 0 | 7,589.04 | 0.00 |

| 30 | 28,458.79 | 0 | 7,589.04 | 0.00 |

| 31 | 29,740.17 | 0 | 7,589.04 | 0.00 |

| 32 | 31,042.95 | 0 | 7,589.04 | 0.00 |

| 33 | 32,367.15 | 0 | 7,589.04 | 0.00 |

| 34 | 33,712.79 | 0 | 7,589.04 | 0.00 |

| 35 | 35,080.89 | 0 | 7,589.04 | 0.00 |

| 36 | 36,471.47 | 0 | 7,589.04 | 0.00 |

| 37 | 37,884.55 | 0 | 7,589.04 | 0.00 |

| 38 | 39,320.15 | 0 | 7,589.04 | 0.00 |

| 39 | 40,778.29 | 0 | 7,589.04 | 0.00 |

| 40 | 42,259.01 | 0 | 7,589.04 | 0.00 |

| 41 | 43,762.25 | 0 |