青岛银行青岛科技大学人才公寓个人装修贷款方案

青岛银行-青岛科技大学人才公寓个人装修贷款方案为满足学校教职工个人装修业务需求，针对青岛科技大学人才公寓装修项U,我行特制订了如下贷款方案：一、贷款额度>普通教师及行政人员最高可贷20万元>正高及副处及以上教师最高可贷30万元>5年（含）以内…■■信用贷款或双人互保>5年以上10年（含）以内双人互保>等额本金或等额本息还款1.利率虽上浮20%,但采用等额本金或等额本息的还款方式总付出的利息数不高，还款的详细明细见附件。2.每月还款金额较少，生活质量不受贷款影响。3.青岛银行服务上乘，带给您家一样的温馨感受。♦按月等额还款汇总年限期数(丿年利率月利率贷款额月还款额♦按月等额还款详细计算结果还款期数(JJ)每期还款额本期应还本金木期应还利息剩余木金198627.642631.2297246.542012.361398.88613.452012.361407.83604.5362012.361416.845972012.361425.9182012.361135.0392012.36102012.36122012.361472.13142012.36152012.36192012.3620201212012.36222012.36232012.36242012.36252012.361599.42262012.361609.66272012.36292012.361640.76371.656421.41312012.361661.833322012.361672.47332012.36342012.361693.91352012.361701.78还款期数（丿每期还款额木期应还本金木期应还利息剩余木金1）362012.36372012.361726.68285.382012.361737.73392012.361748.85112012.361771.3422012.361782.64132012.361442012.361805.53462012.361828.72183.64472012.361810.42171.9425025.22492012.361864.512012.552012.361936.7975.57987572012.361961.6650.75960.6592合计120741.6100000.0220741.58/♦此方案总的利息支岀为20741.58元。♦此方案若使用信用贷款需另支付保险费用为本金的2%o,第一年200元，第二年165元,第三年130元，第四年90元，第五年46元，合计金额631元。♦按月递减还款汇总J)期数(丿年利率6.4%o贷款额♦按月递减还款详细计算结果还款期数(JJ)123456789每期还款额2306.6722962285.342274.6722642242.6722322221.342210.6722002189.312178.6721682157.342146.6721362125.342114.6721042082.6720722050.6720402029.342018.672008本期应还本金木期应还利息576544512501.33448416剩余木金98333.3396666.6694999.9993333.3291666.6589999.9886666.6184999.9783333.381666.6379999.9678333.2976666.6274999.9573333.2871666.6169999.9468333.2766666.664999.9363333.2661666.5959999.9258333.2556666.5851999.9153333.2451666.5749999.948333.2346666.5644999.8943333.2241666.55还款期数（丿每期还款额木期应还本金木期应还利息剩余木金39999.8838333.2136666.5434999.8733333.2213.3331666.5329999.8626666.5224999.8521666.519999.S26666.484999.8121.33/♦此方案总的利息支岀为19520元。♦此方案若使用信用贷款需另支付保险费用为本金的2%。，第一年200元，第二年160元,第三年120元，第四年80元，第五年40元，合计金额600元。♦按月等额还款汇总期数（丿年利率月利率贷款额月还款额7.68%64%o200000元4024.72元♦按月等额还款详细计算结果还款期数（丿J）每期还款额木期应还木金木期应还利息剩余木金24024.722762.291262.4334024.722779.961244.761944564024.722833.681191.0484024.722870.071154.6517754494024.7212184024.723059.1496204024.723098.42926.3141636.3214024.723118.25906.471224024.723138.2886.521353234024.723158.29866.43132221.56244024.723178.5846.22129043.06254024.723198.84825.88125844.22264024.723219.32805.4122624.9274024.723239.92784.8119384.98284024.723260.66761.06116124.32294024.723281.52743.2112842.8304024.723302.53722.191095314024.723323.66701.0610324024.723344.93679.7910334024.72344024.723387.89636.8396117.45354024.723409.57还款期数每期还款额木期应还木金木期应还利息剩余木金4024.723431.39593.3389276.49374024.723453.35571.3738•1024.723475.45549.27394024.723497.69527.03404024.723520.08501.6475329.92414024.723542.61424024.723565.28459.4468222.03434024.723588.1436.62444024.723611.06413.6661022.87454024.723634.17390.5464024.723657.43367.2953731.27474024.723680.84343.8850050.43484024.723704.4320.3246346.03494024.723728.11504024.723751.97272.7538865.9551•1024.723775.98248.7452•1024.72534024.723824.47200.2527165.36544024.723848.94175.7823616584024.723948.4276.37972.74594024.723973.6951.03合计241483.19999999998200000.0S41483.12■♦此方案总的利息支岀为4148342元。♦此方案若使用信用贷款需另支付保险费用为本金的2%o,第一年400元，第二年331元,第三年258元，第四年178元，第五年93元，合计金额1260元。♦按月递减还款汇总期数（丿年利率6.4%o贷款额200000元3333.33元♦按月递减还款详细计算结果每期还款额木期应还木金木期应还利息剩余木金14613.333333.33245923333.3334570.663333.3344549.335452864506.6674485.338446494442.664421.3344004378.663333.334357.333333.3343363333.334314.663333.334293.3342724250.664229.3342084186.664165.333333.3341444122.664101.333333.3340803333.334058.663333.334037.333333.3340163994.66661.333973.3396666.7793333.445763333.3383333.45还款期数每期还款额3738.663717.333397.333354.66239039.8木期应还木金3333.333333.333333.333333.333333.33木期应还利息51244821.33剩余木金73333.4666666.863333.4756666.8153333.4846666.8236666.8333333.526666.8423333.513333.53/♦此方案总的利息支岀为39040元。♦此方案若使用信用贷款需另支付保险费用为本金的2%o,第一年400元，第二年320元,第三年240元，第四年160元，第五年80元，合计金额1200元。♦按月等额还款汇总期数（丿年利率6.4%o贷款额300000元6037.08元♦按月等额还款详细计算结果还款期数（丿1）每期还款额木期应还木金木期应还利息剩余木金26037.084143.431893.65291739.4936037.084169.951867.132846037.084196.631840.45283372.56037.084223.491813.5927914966037.084250.521786.56274898.986037.084305.11731.9896037.084332.661704.42116037.08•1388.291648.79126037.084416.381620.7136037.084444.64146037.084473.09156037.084501.72166037.084530.53176037.08•1559.5196037.084618.07206037.084647.631389.4521245216037.084677.371359.71226037.084707.311329.77236037.084737.431299.6519S332.34246037.084767.751269.33193564256037.084798.271238.8118S766.32266037.08286037.08•1890.981146.1296037.084922.29306037.084953.791083.29161310316037.084985.491051.59326037.085017.336037.08346037.085081.83356037.085114.35922.73还款期数每期还款额木期应还木金木期应还利息剩余木金5147.086037.085180.036037.085213.18823.96037.085216.54790.545280.125313.915347925382.1596950.895416.59620.4991534.35451.2686083.015486.1580596.895521.2675075.635556.6480.4869519.036037.085592.16444.9263926.876037.085627.9558298.925663.9752634.955700.2246934.735736.741198.035773.4135424.625810.3629614.265847.5523766.715884.975922.645960.545998.565998.69362224.862224.67•ta♦此方案总的利息支岀为62224.67元。♦此方案若使用信用贷款需另支付保险费用为本金的2%。，第一年600元，第二年498元,第三年387元，第四年268元，第五年139元，合计金额1892元。♦按月递减还款汇总年限期数(月)年利率贷款额300000元还款期数(JJ)123456789♦按月递减还款详细计算结果每期还款额本期应还本金木期应还利息59925960592858965864583250005000500050005000500050005000500050005000500050005000500050005000500050005000500050005000500050005000500050005000500050005000500050005000剩余木金295000290000285000280000275000270000265000260000255000250000245000210000235000230000225000220000215000210000205000200000还款期数（丿每期还款额木期应还本金木期应还利息剩余木金5800500057685000573650005701500056725000561050009500056085000900005576500057685000554450005448000055125000512750005480500048070000544850004486500054165000416600005384500055000535250005000053205000450005288500040000525650005224500051925000250005160500020000512850005096500050645000500050325000035856030000058560/♦此方案总的利息支岀为58560元。♦此方案若使用信用贷款需另支付保险费用为本金的2%。，第一年600元，第二年480元,第三年360元，第四年240元，第五年120元，合计金额1800元。按月等额还款汇总及明细年限期数（丿J）年利率月利率贷款额月还款额还款期数（丿打每期还款额本期应还本金木期应还利息剩余木金21205.89554.541205.8951205.89565.47661205.8971205.89572.9891205.89580.436121205.89591.91191205.89201205.89623.64582221205.89631.84574.231205.89635.98569.251205.89644.3456261205271205.89652.815281205.89657.08291205.89661.39301205.89665.72540.17311205.89670.08321205.89674.47331205.89678.89341205.89683.33351205.89687.81361205.89692.31371205.89696.85701.41504.4874901.51490.674186.22485.9273466.25481.272741.56729.43476.4671277.9270538.969795.01457.16452.2568292.67758.57763.5466770.56768.5466002.02773.5865228.44427.2563666.06417.01411.8561283.89801.48401.4160179.4159669.6658851.6158031.2257208.4556377.2855540.6654698.5653850.9552997.7852139.03341.5151274.6550104.6149528.87881.4848647.39887.2546867.0845063.3744152.65289.243235.96283.242313.2741384.5338561.66252.58959.5636648.7935682.95978.5333732.25214.4931755.9130758.02201.4729753.628742.627724.9726700.6825669.6824631.9323587.3822535.9921477.7120412.590.8783.5768.81936961.378224.4853.877072.465912.894745.733570.9223.392388.4299999.8744706.93/此方案总的利息支岀为44706.93元。按月递减还款汇总及明细D123456789年利率每期还款额6.55%o木期应还木金贷款额木期应还利息619.54622.25600.42589.5578.58562.21551.29529.46524518.54491.25469.42463.96剩余木金99166.6798333.3197500.0196666.6895833.3595000.0294166.6993333.3692500.0391666.790833.3790000.0187500.0585000.0683333.482500.0780833.4180000.0878333.4277500.0975833.4375000.174166.7773333.4470833.4568333.46447.5865833.47431.2164166.81420.2963333.4861666.82403.9260833.49398.4659166.83387.5458333.557500.1756666.8455833.5154166.8553333.5251666.86338.4250833.5350000.249166.8748333.54316.5847500.2146666.8845833.5545000.2244166.89289.2943333.5642500.2341666.940833.5740000.2439166.91256.5438333.5837500.2536666.9235833.59234.7135000.26229.2534166.9332500.2731666.94207.4230833.6130000.2829166.9528333.6227500.2926666.9625833.6325000.324166.9723333.6421666.98975.2520833.65953.42931.58915.2181.88904.299167.038333.7882.465833.71871.544167.052500.39844.255.46139627.2700000000299999.639627.67//此方案总的利息支出为39627.67元。按月等额还款汇总及明细还款期数（丿打每期还款额22411.7832411.7842411.7852411.7862411.7872411.7882411.7892411.78102411.78112411.78122411.78132411.78202411.78212411.78222411.78232411.78242411.78252411.78262411.78272411.78282411.78292411.78302411.78312411.78322411.78332411.78342411.78352411.78362411.78372411.78本期应还本金贷款额200000元木期应还利息2411.78元剩余木金2411.782411.782411.78990.522411.78981.212411.782411.78962.412411.782411.782411.782411.782411.78914.322411.78904.512411.782411.782411.782411.782411.78854.492411.78844.292411.782411.782411.78813.292411.782411.782411.782411.782411.782411.78749.432411.78738.542411.78727.582411.78716.552411.78705.452411.78694.272411.782411.78671.72411.78660.399057.832411.7897294.882411.78637.282411.7893734.262411.7891936.442411.7890126.842411.782411.78578.486472.012411.7884626.622411.78554.32411.7880899.52411.7879017.612411.78517.5777123.42411.782411.7873297.672411.78480.171365.992411.78467.4569121.662411.7867464.592411.78441.8965494.72411.78428.9963511.912411.784162411.782008.85402.9359507.282411.782022.0157485.272411.782035.25376.5355450.022411.782018.5853401.442411.78206251339.442411.782075.5149263.932411.782089.147174.832411.782102.7845072.052411.782116.56295.222411.782130.4240825.072411.782144.38267.438680.692411.782158.4236522.272411.782172.56239.222411.782186.79224.9932162.922411.7829961.812411.782215.5327746.282411.782230.0425516.242411.782244.6523271.592411.7821012.242411.782411.782289.052411.782304.042411.7892.652411.789191.552411.782349.617111.942411.7823654776.942411.782380.492396.452411.782396.08289413.689113.97/此方案总的利息支出为89413.97元。按月等额还款汇总及明细还款期数（丿打每期还款额2342943.9262922.0982900.259202769.25212758.31222747.42232736.5242725.59252714.67262703.75272692.84282681.92302660.09322638.25342616.42352605.5362594.59372583.677.86%6.55%o本期应还本金贷款额200000元木期应还利息993.42982.5971.58剩余木金2572.752561.812550.92884.2525402529.09862.42851.52507.25840.582485.422174.52463.592452.672441.752430.84764.172419.9224092398.09731.422376.25709.582354.422313.52332.5999999.82321.672310.75644.0896666.462299.8494999.792288.92622.252278611.3391666.452267.09600.422256.17589.52245.25578.5886666.442234.312223.4283333.12212.581666.432201.59534.922190.6752478333.092179.7576666.422168.842157.9273333.08214771666.412136.08458.568333.072114.25447.5866666.164999.732092.4263333.062081.52070.58403.9159999.722059.6758333.052048.7556666.382037.8354999.712026.9253333.04201651666.372005.08338.4149999.748333.03316.5844999.6943333.0241666.3539999.6838333.0134999.67229.2531666.33207.4129999.6628332.9926666.3224999.6523332.9821666.3198.2587.339999.628332.956666.284999.613332.9121.83279255.25200000.479254.85/此方案总的利息支岀为79254.85元。按月等额还款汇总还款期数（丿打每期还款额203617.67213617.67223617.67233617.67243617.67253617.67263617.67273617.67283617.67293617.677.86%6.55%o本期应还本金2010.232023.42036.652049.992063.422076.912090.54贷款额300000元木期应还利息3617.67元剩余木金298347.33296683.81295009.45293324.09291627.69288201.49286471.51284730.26282977.57281213.4279437.68277650.33275851.27274010.43272217.72270383.08268536.42266677.66264806.73262923.51261028.02259120.08257199.65255266.64253320.97251362.55249391.3245409.99243399.76241376.36239339.71237289.72235226.3233149.36231058.822104.23