我在民國98年3月跟銀行借了信貸50萬分84期還完,手續費4000元,每期繳8298元,利率是9.99%。
第一期從98年4月4號開始,繳到今年8月應該是已還了64期,昨天打電話去問一下結清的餘額,銀行說到昨天為止,我還要還146220元,我算了一下,到目前一共還了,
8298*64=531072
加上現在的結清金額
531072+146220=677292
我有點嚇到,扣掉本金50萬,銀行還賺走我177292元,這樣子算法對嗎?
我想銀行應該是不會亂算多扣我錢,但是還是覺得怪怪的,想請內行的網友幫忙看看。
ilovesinging wrote:
我在民國98年3月跟...(恕刪)
每月付款金額= 8298.01
=月= =剩下未付= =付出本金= =利息= =本金+利息= ==總付利息==
1 495864.49 4135.51 4162.5 8298.01 4162.5
2 491694.55 4169.94 4128.07 16596.02 8290.57
3 487489.9 4204.65 4093.36 24894.03 12383.93
4 483250.25 4239.66 4058.35 33192.04 16442.28
5 478975.3 4274.95 4023.06 41490.04 20465.34
6 474664.76 4310.54 3987.47 49788.05 24452.81
7 470318.33 4346.42 3951.58 58086.06 28404.39
8 465935.72 4382.61 3915.4 66384.07 32319.79
9 461516.63 4419.09 3878.91 74682.08 36198.71
10 457060.75 4455.88 3842.13 82980.09 40040.84
11 452567.77 4492.98 3805.03 91278.1 43845.87
12 448037.39 4530.38 3767.63 99576.11 47613.49
13 443469.29 4568.1 3729.91 107874.11 51343.4
14 438863.16 4606.13 3691.88 116172.12 55035.29
15 434218.69 4644.47 3653.54 124470.13 58688.82
16 429535.55 4683.14 3614.87 132768.14 62303.69
17 424813.43 4722.13 3575.88 141066.15 65879.58
18 420051.99 4761.44 3536.57 149364.16 69416.15
19 415250.91 4801.08 3496.93 157662.17 72913.08
20 410409.87 4841.04 3456.96 165960.18 76370.04
21 405528.52 4881.35 3416.66 174258.18 79786.71
22 400606.54 4921.98 3376.02 182556.19 83162.73
23 395643.58 4962.96 3335.05 190854.2 86497.78
24 390639.3 5004.28 3293.73 199152.21 89791.51
25 385593.37 5045.94 3252.07 207450.22 93043.59
26 380505.42 5087.94 3210.06 215748.23 96253.65
27 375375.12 5130.3 3167.71 224046.24 99421.36
28 370202.11 5173.01 3125 232344.25 102546.36
29 364986.03 5216.08 3081.93 240642.25 105628.29
30 359726.53 5259.5 3038.51 248940.26 108666.8
31 354423.25 5303.29 2994.72 257238.27 111661.52
32 349075.81 5347.44 2950.57 265536.28 114612.09
33 343683.86 5391.95 2906.06 273834.29 117518.15
34 338247.02 5436.84 2861.17 282132.3 120379.32
35 332764.92 5482.1 2815.91 290430.31 123195.22
36 327237.18 5527.74 2770.27 298728.32 125965.49
37 321663.42 5573.76 2724.25 307026.32 128689.74
38 316043.26 5620.16 2677.85 315324.33 131367.59
39 310376.31 5666.95 2631.06 323622.34 133998.65
40 304662.18 5714.13 2583.88 331920.35 136582.53
41 298900.49 5761.7 2536.31 340218.36 139118.85
42 293090.82 5809.66 2488.35 348516.37 141607.19
43 287232.8 5858.03 2439.98 356814.38 144047.17
44 281326 5906.8 2391.21 365112.39 146438.39
45 275370.03 5955.97 2342.04 373410.39 148780.43
46 269364.48 6005.55 2292.46 381708.4 151072.88
47 263308.93 6055.55 2242.46 390006.41 153315.34
48 257202.97 6105.96 2192.05 398304.42 155507.39
49 251046.17 6156.79 2141.21 406602.43 157648.6
50 244838.12 6208.05 2089.96 414900.44 159738.56
51 238578.39 6259.73 2038.28 423198.45 161776.84
52 232266.55 6311.84 1986.17 431496.46 163763
53 225902.16 6364.39 1933.62 439794.46 165696.62
54 219484.78 6417.37 1880.64 448092.47 167577.26
55 213013.99 6470.8 1827.21 456390.48 169404.47
56 206489.32 6524.67 1773.34 464688.49 171177.81
57 199910.33 6578.99 1719.02 472986.5 172896.83
58 193276.58 6633.76 1664.25 481284.51 174561.09
59 186587.6 6688.98 1609.03 489582.52 176170.12
60 179842.93 6744.67 1553.34 497880.53 177723.46
61 173042.11 6800.82 1497.19 506178.53 179220.65
62 166184.68 6857.43 1440.58 514476.54 180661.22
63 159270.16 6914.52 1383.49 522774.55 182044.71
64 152298.08 6972.08 1325.92 531072.56 183370.64
65 145267.95 7030.13 1267.88 539370.57 184638.52
66 138179.3 7088.65 1209.36 547668.58 185847.87
67 131031.63 7147.67 1150.34 555966.59 186998.22
68 123824.46 7207.17 1090.84 564264.6 188089.05
69 116557.29 7267.17 1030.84 572562.6 189119.89
70 109229.62 7327.67 970.34 580860.61 190090.23
71 101840.95 7388.67 909.34 589158.62 190999.57
72 94390.76 7450.18 847.83 597456.63 191847.39
73 86878.56 7512.21 785.8 605754.64 192633.2
74 79303.81 7574.74 723.26 614052.65 193356.46
75 71666.01 7637.8 660.2 622350.66 194016.67
76 63964.62 7701.39 596.62 630648.67 194613.29
77 56199.12 7765.5 532.51 638946.67 195145.79
78 48368.97 7830.15 467.86 647244.68 195613.65
79 40473.63 7895.34 402.67 655542.69 196016.32
80 32512.56 7961.07 336.94 663840.7 196353.26
81 24485.22 8027.34 270.67 672138.71 196623.93
82 16391.05 8094.17 203.84 680436.72 196827.77
83 8229.5 8161.55 136.46 688734.73 196964.23
84 0 8229.5 68.51 697032.74 197032.74
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