每月还款数额计算公式如下:[贷款本金×月利率×(1+月利率)^还款月数]÷[(1+月利率)^还款月数-1]下面举例说明等额本息还款法,假定借款人从银行获得一笔20万元的个人住房贷款,贷款期限20年,贷款年利率4.2%,每月还本付息。按照上述公式计算,每月应偿还本息和为1233.14元。上述结果只给出了每月应付的本息和,因此需要对这个本息和进行分解。仍以上例为基础,一个月为一期,第一期贷款余额20万元,应支付利息700元(200000×4.2%/12),支付本金533.14元,仍欠银行贷款199466.86元;第二期应支付利息(199466.86×4.2%/12)元。以最新贷款基准利率为准以1万元贷款为例,不同年限的贷款每月还款金额为:贷款年限年利率 %月利率 ‰月还款额 (元)15.314.425利随本清25.404.500440.5135.404.500301.5145.764.800233.7555.764.800192.2165.944.950165.4575.944.950145.885.944.950131.1295.944.950119.76105.944.950110.72115.944.950103.36125.944.95097.27135.944.95092.16145.944.95087.8155.944.95084.06165.944.95080.82175.944.95077.98185.944.95075.48195.944.95073.27205.944.95071.3215.944.95069.54225.944.95067.95235.944.95066.53245.944.95065.24255.944.95064.06265.944.95063275.944.95062.02285.944.95061.13295.944.95060.32305.944.95059.57