个人住房贷款方案模型论文.docVIP

（20_ _届） 本科毕业论文 个人住房贷款方案模型 摘要：近几年来，关于个人住房贷款方式引起了社会各界的关注。很多居民都要通过贷款的手段进行购房。如今各个商业银行为购房居民提供了个人住房商业性贷款、住房公积金贷款和个人住房组合贷款这三种的房贷方式，与此同时，银行目前有等额本金还款法和等额本息还款法在合理假设的前提下，选择哪种方式最节约，哪种方式最适合自身需要，这是每个购房居民都非常关心的问题如果提前还贷 关键词：个人住房商业性贷款；等额本金还款法等额本息还款法 The Models of the Personal Housing Loan Scheme Abstract: In recent years, the way of personal housing loan cause the focus of the society. Many people have to go through the way of loan to purchase house. So all commercial banks provides, personal housing commercial loans, the loan of the housing accumulation fund and the individual housing loan portfolio, three kinds of mortgage way to purchase resident. Meanwhile, the banks have mainly principal repayments method and principal and interest repayments’ method and so on at present. In reasonable to suppose that premise, each scheme model is analyzed. Choose which way the most saving, which way is most suitable for their own needs, this is every purchase residents are very concerned about the problems. And, if you take early repayment, then which way to adopt. So it is necessary to take a deep inquiry study for the housing mortgage loan means. In view of the current social fashion mortgage loan to buy a house phenomenon, the personal housing loan repayment methods were discussed. Key words: the Personal housing commercial loans; the principal repayments method; the principal and interest repayments’ method; the individual combined housing loans ; model. 目录 1 住房贷款问题背景及提出………………………………………………………………………1 2 个人住房商业性贷款方案模型…………………………………………………………………4 2.1 到期一次还本付息法………………………………………………………………………4 2.2 等额本金还款法…………………………………………………………………………4 2.2.1定义……………………………………………………………………………………4 2.2.2 模型建立及分析………………………………………………………………………4 2.2.3 模型应用………………………………………………………………………………6 2.3 等额本息还款法 …………………………………………………………………………6 2.3.1定义……………………………………………………………………………………6 2.3.2 模型建立及分析………………………………………………………………………6 2.3.3 模型应用………………………………………………………………………………8 2.4 等额本金还款法与等额本息还款法模型的比较及改进………………………………10 2.4.1模型比较………………………………………………………………