| 影响住房贷款月还款额各变量的特性探讨 |
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| 引用本文： | 李济民,李化民.影响住房贷款月还款额各变量的特性探讨[J].土木建筑与环境工程,2004,26(6):90-94. |
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| 作者姓名： | 李济民 李化民 |
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| 作者单位： | 重庆大学建设管理与房地产学院,重庆400045 |
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| 摘 要： | 提高住房抵押贷款的还款期限可以降低月还款额，从而减轻还款压力，但同时也增加了月还款额以及贷款期间利息支出总额的利率风险。文中定量分析了各变量对月还款额的影响方式和特性，建议住房抵押贷款购房人在选择贷款期限的时候，要在减轻月还款压力和降低利率风险之间进行权衡，选择最适合自己的贷款期限。
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| 关 键 词： | 住房抵押贷款 等额还贷 等本金还贷 弹性 |
| 修稿时间： | 7/8/2004 12:00:00 AM |
Discussion about the Characteristics of the Main Factors Influencing the Monthly Payment of Housing Mortgage Loan |
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| LI Ji-min,LI Hua-min.Discussion about the Characteristics of the Main Factors Influencing the Monthly Payment of Housing Mortgage Loan[J].土木建筑与环境工程,2004,26(6):90-94. |
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| Authors: | LI Ji-min LI Hua-min |
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| Abstract: | By extending the period of housing mortgage loan, the burden of monthly payment of housing buyers, the interest rate risk of monthly payment and of total interest payment increase.In this paper, the main factors influencing the monthly payment and its characteristics are analyzed.It is pointed out that the housing buyers should weigh up whether to lighten the burden of monthly payment or to increase interest rate risk while choosing the loan amounts and load period. |
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| Keywords: | housing mortgage loan constant payment mortgage constant amortization mortgage elasticity |
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