楼主说得不够详细，这是你的第一套贷款吗，以家庭为单位！
如果是第一套，你可以享受下浮利率！各个银行好像还有点不一样
现在通行的是采用等额本息法，等本递减法
1。等额本息法 农行
按照最新的利率表来算：（以万元为单位）
年限 月数 月利率 年利率 月还款额
10 120 4.845 5.814 110.09
这样你每月的还款额为110.09*10=1100.9元 累积还息32106.35元
个人贷款计划表
期次 累计还息
1 484.5
2 966.01
3 1,444.52
4 1,920.02
5 2,392.49
6 2,861.91
7 3,328.27
8 3,791.56
9 4,251.76
10 4,708.86
11 5,162.84
12 5,613.68
13 6,061.37
14 6,505.90
15 6,947.25
16 7,385.40
17 7,820.34
18 8,252.05
19 8,680.52
20 9,105.73
21 9,527.67
22 9,946.32
23 10,361.67
24 10,773.69
25 11,182.38
26 11,587.71
27 11,989.67
28 12,388.25
29 12,783.42
30 13,175.18
31 13,563.50
32 13,948.37
33 14,329.77
34 14,707.68
35 15,082.09
36 15,452.98
37 15,820.33
38 16,184.13
39 16,544.36
40 16,901.00
41 17,254.03
42 17,603.44
43 17,949.21
44 18,291.32
45 18,629.75
46 18,964.49
47 19,295.52
48 19,622.82
49 19,946.37
50 20,266.15
51 20,582.15
52 20,894.35
53 21,202.72
54 21,507.26
55 21,807.94
56 22,104.74
57 22,397.64
58 22,686.63
59 22,971.69
60 23,252.79
61 23,529.92
62 23,803.06
63 24,072.19
64 24,337.29
65 24,598.34
66 24,855.32
67 25,108.21
68 25,356.99
69 25,601.65
70 25,842.16
71 26,078.50
72 26,310.65
73 26,538.59
74 26,762.30
75 26,981.76
76 27,196.95
77 27,407.85
78 27,614.44
79 27,816.69
80 28,014.59
81 28,208.12
82 28,397.25
83 28,581.96
84 28,762.23
85 28,938.04
86 29,109.37
87 29,276.20
88 29,438.50
89 29,596.25
90 29,749.43
91 29,898.02
92 30,042.00
93 30,181.34
94 30,316.02
95 30,446.02
96 30,571.32
97 30,691.89
98 30,807.71
99 30,918.76
100 31,025.01
101 31,126.44
102 31,223.03
103 31,314.76
104 31,401.60
105 31,483.52
106 31,560.51
107 31,632.54
108 31,699.58
109 31,761.61
110 31,818.61
111 31,870.55
112 31,917.41
113 31,959.16
114 31,995.78
115 32,027.24
116 32,053.52
117 32,074.60
118 32,090.45
119 32,101.04
120 32,106.35
2.等本递减
每月固定还本金833.33元
累积还息29312.40元
个人贷款计划表
期次 本期还款额 累计还息
1 1,317.83 484.5
2 1,313.79 964.96
3 1,309.76 1,441.39
4 1,305.72 1,913.78
5 1,301.68 2,382.13
6 1,297.64 2,846.44
7 1,293.61 3,306.72
8 1,289.57 3,762.96
9 1,285.53 4,215.16
10 1,281.49 4,663.32
11 1,277.46 5,107.45
12 1,273.42 5,547.54
13 1,269.38 5,983.59
14 1,265.34 6,415.60
15 1,261.31 6,843.58
16 1,257.27 7,267.52
17 1,253.23 7,687.42
18 1,249.19 8,103.28
19 1,245.16 8,515.11
20 1,241.12 8,922.90
21 1,237.08 9,326.65
22 1,233.04 9,726.36
23 1,229.01 10,122.04
24 1,224.97 10,513.68
25 1,220.93 10,901.28
26 1,216.89 11,284.84
27 1,212.86 11,664.37
28 1,208.82 12,039.86
29 1,204.78 12,411.31
30 1,200.74 12,778.72
31 1,196.71 13,142.10
32 1,192.67 13,501.44
33 1,188.63 13,856.74
34 1,184.59 14,208.00
35 1,180.56 14,555.23
36 1,176.52 14,898.42
37 1,172.48 15,237.57
38 1,168.44 15,572.68
39 1,164.41 15,903.76
40 1,160.37 16,230.80
41 1,156.33 16,553.80
42 1,152.29 16,872.76
43 1,148.26 17,187.69
44 1,144.22 17,498.58
45 1,140.18 17,805.43
46 1,136.14 18,108.24
47 1,132.11 18,407.02
48 1,128.07 18,701.76
49 1,124.03 18,992.46
50 1,119.99 19,279.12
51 1,115.96 19,561.75
52 1,111.92 19,840.34
53 1,107.88 20,114.89
54 1,103.84 20,385.40
55 1,099.81 20,651.88
56 1,095.77 20,914.32
57 1,091.73 21,172.72
58 1,087.69 21,427.08
59 1,083.66 21,677.41
60 1,079.62 21,923.70
61 1,075.58 22,165.95
62 1,071.54 22,404.16
63 1,067.51 22,638.34
64 1,063.47 22,868.48
65 1,059.43 23,094.58
66 1,055.39 23,316.64
67 1,051.36 23,534.67
68 1,047.32 23,748.66
69 1,043.28 23,958.61
70 1,039.24 24,164.52
71 1,035.21 24,366.40
72 1,031.17 24,564.24
73 1,027.13 24,758.04
74 1,023.09 24,947.80
75 1,019.06 25,133.53
76 1,015.02 25,315.22
77 1,010.98 25,492.87
78 1,006.94 25,666.48
79 1,002.91 25,836.06
80 998.87 26,001.60
81 994.83 26,163.10
82 990.79 26,320.56
83 986.76 26,473.99
84 982.72 26,623.38
85 978.68 26,768.73
86 974.64 26,910.04
87 970.61 27,047.32
88 966.57 27,180.56
89 962.53 27,309.76
90 958.49 27,434.92
91 954.46 27,556.05
92 950.42 27,673.14
93 946.38 27,786.19
94 942.34 27,895.20
95 938.31 28,000.18
96 934.27 28,101.12
97 930.23 28,198.02
98 926.19 28,290.88
99 922.16 28,379.71
100 918.12 28,464.50
101 914.08 28,545.25
102 910.04 28,621.96
103 906.01 28,694.64
104 901.97 28,763.28
105 897.93 28,827.88
106 893.89 28,888.44
107 889.86 28,944.97
108 885.82 28,997.46
109 881.78 29,045.91
110 877.74 29,090.32
111 873.71 29,130.70
112 869.67 29,167.04
113 865.63 29,199.34
114 861.59 29,227.60
115 857.56 29,251.83
116 853.52 29,272.02
117 849.48 29,288.17
118 845.44 29,300.28
119 841.41 29,308.36
120 837.77 29,312.40
相比较，等本递减利息低，但开始的还款压力大！
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