购房测算表格

"1

贷款",1.1银行贷款（买入新房或二手）,,,,,,1.2经营贷款（原有房产抵押贷款）,,,,,,资金来源,,,,,,

,面积（㎡）,79,单价,50000,总价,"3,950,000",面积（㎡）,77,单价,40000,总价,"3,080,000",支出,,,资金来源,,,

,首付比例,70%,金额,"2,765,000",5,"10,000",,,,,4,"10,000",购房款,"3,950,000",,,,,

,贷款比例,30%,,"1,185,000",0,"1,000",贷款比例,70%,金额,"2,156,000",0,"1,000",首付,"2,765,000",70.0%,真实首付,"1,971,603","3,950,000",49.9%

,贷款利率,5.40%,,,,,贷款利率,3.850%,,,,,,,,经营贷-首付,"793,397",,20.1%

,LPR,4.65%,"1.房子面积单价根据你想买的房具体情况填写；

2.利率加点数视本地房地产调控政策填写；",,,,还款年限,15,"1.房子面积单价根据你想用来抵押的房产信息填写；

2.经营贷的利率和年限要根据咨询银行结果填写，目前是假设；",,,,银行贷款,"1,185,000",30.0%,银行贷款,"1,185,000",,30.0%

,加点数,75.00,,,,,还款方式,等额本息,,,,,,,,5年还款资金,"1,362,603",,

,还款年限,30,,,,,,,,,,,"1.左侧为你为了买房要支出的款项构成；

2.右侧为你通过经营贷筹措了资金，预留部分用于还5年的贷款后，真实首付情况；",,,,,,

,还款方式,等额本息,,,,,,,,,,,,,,,,,

"假设前提：

已有一套住房，抵押贷款+自有资金投资房产，因此1.1是你想买的房产的情况，1.2是你现有房产的情况，1.3是分析清楚通过这种方式自己真实支付的资金和可灵活支配的资金余额，最终算盈余时这个资金来源就很关键。",,,,,,,,,,,,,,,,,,,

,,,,,,,,,,,,,,,,,,,,

"2

贷款偿还计划",2.1购房贷款,,"30年是最理想的情况，这个表格只为算账用，实际只看你投资期限内的偿还情况即可，即一共还了多少，还剩多少本金没还。

实际贷款时，每月还款额与此处数据会有微小差别，主要是公式计算中年内利率单利及期数设置的差异，但差别不大，基本可忽略。",,,,,,,,,,,,,,,,

,贷款金额,"1,185,000",,,,,,,,,,,,,,,,,

,还本付息情况,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,,,

,期初,"1,185,000","1,168,354","1,150,809","1,132,317","1,112,826","1,092,282","1,070,630","1,047,807","1,023,753","998,400","971,677","943,512","913,825","882,536","849,557",,,

,还本付息（年）,"80,636","80,636","80,636","80,636","80,636","80,636","80,636","80,636","80,636","80,636","80,636","80,636","80,636","80,636","80,636",,,

,（每月还款额）,"6,720",,,,,,,,,,,,,,,,,

,利息,"63,990","63,091","62,144","61,145","60,093","58,983","57,814","56,582","55,283","53,914","52,471","50,950","49,347","47,657","45,876",,,

,本金,"16,646","17,545","18,492","19,491","20,543","21,653","22,822","24,054","25,353","26,722","28,165","29,686","31,289","32,979","34,760",,,

,期末,"1,168,354","1,150,809","1,132,317","1,112,826","1,092,282","1,070,630","1,047,807","1,023,753","998,400","971,677","943,512","913,825","882,536","849,557","814,797",,,

,,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,,,

,期初,"814,797","778,160","739,544","698,844","655,945","610,730","563,074","512,844","459,901","404,100","345,285","283,294","217,956","149,090","76,505",,,

,还本付息,"80,636","80,636","80,636","80,636","80,636","80,636","80,636","80,636","80,636","80,636","80,636","80,636","80,636","80,636","80,636",,,

,利息,"43,999","42,021","39,935","37,738","35,421","32,979","30,406","27,694","24,835","21,821","18,645","15,298","11,770","8,051","4,131",,,

,本金,"36,637","38,615","40,701","42,898","45,215","47,657","50,230","52,942","55,801","58,815","61,991","65,338","68,866","72,585","76,505",,,

,期末,"778,160","739,544","698,844","655,945","610,730","563,074","512,844","459,901","404,100","345,285","283,294","217,956","149,090","76,505",0,,,

,2.2经营贷款（等额本息）,,"15年是暂时假设的，这个表格只为算账用，实际只看你投资期限内的偿还情况即可，即一共还了多少，还剩多少本金没还，但年限会影响每期还款金额。

还款方式有两种，等额本息、期间付息到期还本，若选用后者则年净流出金额需适当调整公式。",,,,,,,,,,,,,,,,

,贷款金额,"2,156,000",,,,,,,,,,,,,,,,,

,还本付息情况,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,,,

,期初,"2,156,000","2,047,121","1,934,051","1,816,627","1,694,683","1,568,043","1,436,528","1,299,950","1,158,113","1,010,816","857,848","698,990","534,017","362,692","184,771",,,

,还本付息(年）,"191,885","191,885","191,885","191,885","191,885","191,885","191,885","191,885","191,885","191,885","191,885","191,885","191,885","191,885","191,885",,,

,（每月还款额）,"15,990",,,,,,,,,,,,,,,,,

,利息,"83,006","78,814","74,461","69,940","65,245","60,370","55,306","50,048","44,587","38,916","33,027","26,911","20,560","13,964","7,114",,,

,本金,"108,879","113,070","117,424","121,944","126,639","131,515","136,578","141,837","147,297","152,968","158,857","164,974","171,325","177,921","184,771",,,

,期末,"2,047,121","1,934,051","1,816,627","1,694,683","1,568,043","1,436,528","1,299,950","1,158,113","1,010,816","857,848","698,990","534,017","362,692","184,771",0,,,

,,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,,,

,期初,0,"-191,885","-391,157","-598,101","-813,013","-1,036,198","-1,267,976","-1,508,678","-1,758,647","-2,018,240","-2,287,826","-2,567,792","-2,858,537","-3,160,475","-3,474,038",,,

,还本付息(年）,"191,885","191,885","191,885","191,885","191,885","191,885","191,885","191,885","191,885","191,885","191,885","191,885","191,885","191,885","191,885",,,

,（每月还款额）,"15,990",,,,,,,,,,,,,,,,,

,利息,0,"-7,388","-15,060","-23,027","-31,301","-39,894","-48,817","-58,084","-67,708","-77,702","-88,081","-98,860","-110,054","-121,678","-133,750",,,

,本金,"191,885","199,272","206,944","214,912","223,186","231,778","240,702","249,969","259,593","269,587","279,966","290,745","301,938","313,563","325,635",,,

,期末,"-191,885","-391,157","-598,101","-813,013","-1,036,198","-1,267,976","-1,508,678","-1,758,647","-2,018,240","-2,287,826","-2,567,792","-2,858,537","-3,160,475","-3,474,038","-3,799,673",,,

,2.2经营贷款（期间付息，到期还本）,,,,,,,,,,,,,,,,,,

,还本付息情况,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,,,

,利息,"83,006.000","83,006.000","83,006.000","83,006.000","83,006.000",,,,,,,,,,,,,

,（每月还款额）,"6,917.167","6,917.167","6,917.167","6,917.167","6,917.167",,,,,,,,,,,,,

,本金,,,,,,"2,156,000",,,,,,,,,,,,

,2.3房屋出租收入,-,-,-,-,-,,,,,,,,,,,,,

,租金,"2,500","2,550","2,601","2,653","2,706","1.租金用于弥补少量现金流，减轻支出负担，需考虑能否租出去，租金递增率等问题

2.经营贷一部分用于首付，一部分用于还贷，尽量减轻生活资金压力，可结合工作收入、经营贷金额、租金收入作平衡",,,,,,,,,,,,

,出租月数,-,-,-,-,-,,,,,,,,,,,,,

,净流出（年）,"272,521","272,521","272,521","272,521","272,521",,,,,,,,,,,,,

,（每月净流出）,"22,710","22,710","22,710","22,710","22,710",,,,,,,,,,,,,

,"经营贷未使用部分

用于偿还贷款","1,090,083","817,562","545,041","272,521",-,,,,,,,,,,,,,

,,,,,,,,,,,,,,,,,,,,

3,5年后房屋出售，算总账,,,,,新购入房产（根据自己买入的是新房还是二手来填）,,,,,,,,,,,,,

,单价递增率,,（5年）,9.90%,,买入,,,卖出,,,,,,,,,,

,,,49,0.10%,,科目,税率,金额,科目,税率,金额,,,,,,,,

,每㎡单价,,,"80,160",,契税,3.0%,"118,500.00",契税,,,,,,,,,,

,流入,销售回款,+,"6,332,651",,个人所得税,1.0%,"39,500.00",个人所得税,,,,,,,,,,

,流出（支付）,税款、