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目 录
摘 要………………………………………………………………………………I

Abstract…………………………………………………………………………II
1、购房贷款的基本概念和常识……………………………………1
1.1个人购房贷款的含义与型…………………………………………1
2、银行提供的基本房贷方式…………………………………3
2.1等额本息还款法…………………………………3
2.2等额本金递减法 ………………………………4
2.3等额递增还款法……………………………………………………5
2.4等额递减还款法……………………………………………………5
2.5等比递增还款法……………………………………………………5
2.6等比递减还款法……………………………………………………6
3、把基本房贷方式推广到更一般的具体情况………………………6
3.1等额、等比递增递减时间段与每期还款时间段不同……………6
3.2还款利率变化时 ………………………………7
4.实证分析…………………………………………………10
5.结论…………………………………………………………………16
参考文献 ……………………………………………………18
致 谢 ………………………………………………………19

摘 要
当前我国房地产市场发展还不平衡，一些地区住房供求的结构性矛盾较为突出，房地产价格和投资增长过快;房地产市场服务体系尚不健全，住房消费还需拓展；房地产开发和交易行为不够规范等原因造成住房价格持续高涨，很多居民都要通过贷款的手段进行购房，此时，购房贷款的优化问题就显得格外的重要，它直接影响着居民的生活质量。另一方面，各个商业银行为购房居民提供各种不同的房贷方式，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，因此有必要对购房贷款的优化问题进行深层次的探究。
针对当前社会上流行的按揭贷款买房现象，本文利用资金的时间价值原理和利息理论的相关知识，对个人住房贷款的还款方式进行了探讨。借款人不能简单地以还款总额的大小来区分各种还款方式的优劣,还款方式的确定应因人而异。

[关键词]：购房贷款；等额递增还款法；等额本金递减法；等额本息还款法

Abstract
China's current real estate market development is still uneven in some areas the structural contradiction between supply and demand of housing is more prominent, real estate prices and investment growth, excessive; the real estate market service system is not sound, housing consumption need to expand; real estate development and trading and insufficiently standardized behavior caused housing prices continue to rise, many residents have to purchase by means of loans, this time, purchase loans optimization problem becomes particularly important, it directly affects the quality of life of residents. On the other hand, various commercial banks for house purchase provide the residents with a variety of mortgage a selective manner in which the most economical way, Which way best suited to their needs, which is that each purchase of great concern for the residents, it is is necessary to purchase the loan optimization problems in-depth inquiry.
For the current popularity of social mortgage loans to buy a house on the phenomenon, this paper, the time value of money principle and interest on the theory of knowledge, the repayment of housing loans to individuals way were discussed. The borrower can not simply the size of the total repayment to distinguish the pros and cons of various payment methods, payment methods should be determined varies.
[Key Words]：home loans；equal increments repayment method；equal principal amount of diminishing law；matching principal and interest repayment method

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