7月7日调整并实施的公积金贷款五年期以上利率为4.9%,月利率4.9%/12 44万,20年240期,
等额本金,每月归还本金440000/240
首月还款:440000/240+440000*4.9%/12=3630
次月:440000/240+(440000-440000/240)*4.9%/12=3622.51
三月:440000/240+(440000-440000*2/240)*4.9%/12=3615.03
以此类推,每月递减440000/240*4.9%/12= 7.4861
最后一月还款:440000/240+(440000-440000*239/240)*4.9%/12=1840.82
还款总额:(3630+1840.82)*120=656498.4