每个人的家庭、经济条件不一样，每个人的规划和想法也不一样。所以，每个人在做同一件事情的时候，做法也各不相同。
就拿购房贷款来说，有的人经过深思熟虑之后，决定购房贷款期限为20年，而有的人却决定购房贷款期限为30年，具体可以看贷款20年和30年利弊分析。
我们不能单纯的认为，购房贷款20年，或者30年就更好。
对于你来说是好的东西，对于别人来说，未必就好。
只有最适合自己的东西，才是最好的。
一，20年的购房贷款详细月供数据，如下。
购房贷款要求：
购房商业房贷金额：100万。
房贷期限：20年，240期。
房贷利率：4.9%。
房贷还款方式：等额本息还款。
在房贷利息计算器（www.nlnw.net)中输入以上信息，算出以下结果。
利息总额：570665.72元。
累计还款总额：1570665.72元。
每月月供：6544.44元。
最高月付利息：4083.33元。
每一期的月供还款数据明细：
期次 偿还本息 偿还利息 偿还本金 剩余本金
16544.444083.332461.11997538.89
26544.444073.282471.16995067.74
36544.444063.192481.25992586.49
46544.444053.062491.38990095.11
56544.444042.892501.55987593.56
66544.444032.672511.77985081.79
76544.444022.422522.02982559.77
86544.444012.122532.32980027.45
96544.444001.782542.66977484.78
106544.443991.42553.04974931.74
116544.443980.972563.47972368.27
126544.443970.52573.94969794.33
136544.443959.992584.45967209.89
146544.443949.442595964614.89
156544.443938.842605.6962009.29
166544.443928.22616.24959393.06
176544.443917.522626.92956766.14
186544.443906.82637.64954128.49
196544.443896.022648.42951480.08
206544.443885.212659.23948820.84
216544.443874.352670.09946150.76
226544.443863.452680.99943469.76
236544.443852.52691.94940777.83
246544.443841.512702.93938074.89
256544.443830.472713.97935360.93
266544.443819.392725.05932635.88
276544.443808.262736.18929899.7
286544.443797.092747.35927152.35
296544.443785.872758.57924393.78
306544.443774.612769.83921623.95
316544.443763.32781.14918842.81
326544.443751.942792.5916050.31
336544.443740.542803.9913246.4
346544.443729.092815.35910431.05
356544.443717.592826.85907604.21
366544.443706.052838.39904765.82
376544.443694.462849.98901915.84
386544.443682.822861.62899054.22
396544.443671.142873.3896180.92
406544.443659.412885.03893295.88
416544.443647.622896.82890399.07
426544.443635.82908.64887490.42
436544.443623.922920.52884569.9
446544.443611.992932.45881637.45
456544.443600.022944.42878693.03
466544.4435882956.44875736.59
476544.443575.922968.52872768.07
486544.443563.82980.64869787.44
496544.443551.632992.81866794.63
506544.443539.413005.03863789.6
516544.443527.143017.3860772.3
526544.443514.823029.62857742.68
536544.443502.453041.99854700.69
546544.443490.033054.41851646.27
556544.443477.563066.88848579.39
566544.443465.033079.41845499.98
576544.443452.463091.98842408
586544.443439.833104.61839303.39
596544.443427.163117.28836186.11
606544.443414.433130.01833056.09
616544.443401.653142.79829913.3
626544.443388.813155.63826757.67
636544.443375.933168.51823589.16
646544.443362.993181.45820407.7
656544.4433503194.44817213.26
666544.443336.953207.49814005.78
676544.443323.863220.58810785.19
686544.443310.713233.73807551.46
696544.443297.53246.94804304.52
706544.443284.243260.2801044.32
716544.443270.933273.51797770.81
726544.443257.563286.88794483.94
736544.443244.143300.3791183.64
746544.443230.673313.77787869.86
756544.443217.143327.3784542.56
766544.443203.553340.89781201.67
776544.443189.913354.53777847.13
786544.443176.213368.23774478.9
796544.443162.463381.98771096.92
806544.443148.653395.79767701.12
816544.443134.783409.66764291.46
826544.443120.863423.58760867.88
836544.443106.883437.56757430.32
846544.443092.843451.6753978.72
856544.443078.753465.69750513.02
866544.443064.593479.85747033.18
876544.443050.393494.05743539.12
886544.443036.123508.32740030.8
896544.443021.793522.65736508.15
906544.443007.413537.03732971.12
916544.442992.973551.47729419.64
926544.442978.463565.98725853.67
936544.442963.93580.54722273.13
946544.442949.283595.16718677.97
956544.442934.63609.84715068.13
966544.442919.863624.58711443.55
976544.442905.063639.38707804.17
986544.442890.23654.24704149.93
996544.442875.283669.16700480.77
1006544.442860.33684.14696796.63
1016544.442845.253699.19693097.44
1026544.442830.153714.29689383.15
1036544.442814.983729.46685653.69
1046544.442799.753744.69681909
1056544.442784.463759.98678149.02
1066544.442769.113775.33674373.69
1076544.442753.693790.75670582.94
1086544.442738.213806.23666776.71
1096544.442722.673821.77662954.94
1106544.442707.073837.37659117.57
1116544.442691.43853.04655264.53
1126544.442675.663868.78651395.75
1136544.442659.873884.57647511.17
1146544.4426443900.44643610.74
1156544.442628.083916.36639694.37
1166544.442612.093932.35635762.02
1176544.442596.033948.41631813.61
1186544.442579.913964.53627849.07
1196544.442563.723980.72623868.35
1206544.442547.463996.98619871.37
1216544.442531.144013.3615858.07
1226544.442514.754029.69611828.39
1236544.442498.34046.14607782.24
1246544.442481.784062.66603719.58
1256544.442465.194079.25599640.33
1266544.442448.534095.91595544.42
1276544.442431.814112.63591431.79
1286544.442415.014129.43587302.36
1296544.442398.154146.29583156.07
1306544.442381.224163.22578992.85
1316544.442364.224180.22574812.63
1326544.442347.154197.29570615.34
1336544.442330.014214.43566400.91
1346544.442312.84231.64562169.28
1356544.442295.524248.92557920.36
1366544.442278.174266.27553654.09
1376544.442260.754283.69549370.41
1386544.442243.264301.18545069.23
1396544.442225.74318.74540750.49
1406544.442208.064336.38536414.11
1416544.442190.364354.08532060.03
1426544.442172.584371.86527688.17
1436544.442154.734389.71523298.45
1446544.442136.84407.64518890.82
1456544.442118.84425.64514465.18
1466544.442100.734443.71510021.47
1476544.442082.594461.85505559.62
1486544.442064.374480.07501079.55
1496544.442046.074498.37496581.18
1506544.442027.714516.73492064.45
1516544.442009.264535.18487529.27
1526544.441990.744553.7482975.57
1536544.441972.154572.29478403.28
1546544.441953.484590.96473812.32
1556544.441934.734609.71469202.62
1566544.441915.914628.53464574.09
1576544.441897.014647.43459926.66
1586544.441878.034666.41455260.25
1596544.441858.984685.46450574.79
1606544.441839.854704.59445870.2
1616544.441820.644723.8441146.39
1626544.441801.354743.09436403.3
1636544.441781.984762.46431640.84
1646544.441762.534781.91426858.93
1656544.441743.014801.43422057.5
1666544.441723.44821.04417236.46
1676544.441703.724840.72412395.73
1686544.441683.954860.49407535.24
1696544.441664.14880.34402654.91
1706544.441644.174900.27397754.64
1716544.441624.164920.28392834.36
1726544.441604.074940.37387894
1736544.441583.94960.54382933.46
1746544.441563.644980.8377952.66
1756544.441543.315001.13372951.53
1766544.441522.895021.55367929.97
1776544.441502.385042.06362887.91
1786544.441481.795062.65357825.26
1796544.441461.125083.32352741.94
1806544.441440.365104.08347637.87
1816544.441419.525124.92342512.95
1826544.441398.595145.85337367.1
1836544.441377.585166.86332200.24
1846544.441356.485187.96327012.29
1856544.441335.35209.14321803.15
1866544.441314.035230.41316572.74
1876544.441292.675251.77311320.97
1886544.441271.235273.21306047.75
1896544.441249.695294.75300753.01
1906544.441228.075316.37295436.64
1916544.441206.375338.07290098.57
1926544.441184.575359.87284738.7
1936544.441162.685381.76279356.94
1946544.441140.715403.73273953.21
1956544.441118.645425.8268527.41
1966544.441096.495447.95263079.45
1976544.441074.245470.2257609.25
1986544.441051.95492.54252116.72
1996544.441029.485514.96246601.76
2006544.441006.965537.48241064.27
2016544.44984.355560.09235504.18
2026544.44961.645582.8229921.38
2036544.44938.855605.59224315.78
2046544.44915.965628.48218687.3
2056544.44892.975651.47213035.83
2066544.44869.95674.54207361.29
2076544.44846.735697.71201663.57
2086544.44823.465720.98195942.59
2096544.44800.15744.34190198.25
2106544.44776.645767.8184430.45
2116544.44753.095791.35178639.1
2126544.44729.445815172824.11
2136544.44705.75838.74166985.36
2146544.44681.865862.58161122.78
2156544.44657.925886.52155236.26
2166544.44633.885910.56149325.7
2176544.44609.755934.69143391
2186544.44585.515958.93137432.08
2196544.44561.185983.26131448.82
2206544.44536.756007.69125441.13
2216544.44512.226032.22119408.9
2226544.44487.596056.85113352.05
2236544.44462.856081.59107270.46
2246544.44438.026106.42101164.04
2256544.44413.096131.3595032.69
2266544.44388.056156.3988876.3
2276544.44362.916181.5382694.77
2286544.44337.676206.7776488
2296544.44312.336232.1170255.89
2306544.44286.886257.5663998.32
2316544.44261.336283.1157715.21
2326544.44235.676308.7751406.44
2336544.44209.916334.5345071.91
2346544.44184.046360.438711.51
2356544.44158.076386.3732325.14
2366544.44131.996412.4525912.7
2376544.44105.816438.6319474.07
2386544.4479.526464.9213009.15
2396544.4453.126491.326517.83
2406544.4426.616517.830
二，30年的购房贷款详细月供数据，如下。
购房贷款要求：
购房商业房贷金额：100万。
房贷期限：30年，360期。
房贷利率：4.9%。
房贷还款方式：等额本息还款。
在房贷利息计算器（www.nlnw.net)中输入以上信息，算出以下结果。
利息总额：910616.19元。
累计还款总额：1910616.19元。
每月月供：5307.27元。
最高月付利息：4083.33元。
每一期的月供还款数据明细：
期次 偿还本息 偿还利息 偿还本金 剩余本金
15307.274083.331223.94998776.07
25307.274078.341228.93997547.13
35307.274073.321233.95996313.18
45307.274068.281238.99995074.2
55307.274063.221244.05993830.15
65307.274058.141249.13992581.02
75307.274053.041254.23991326.79
85307.274047.921259.35990067.44
95307.274042.781264.49988802.95
105307.274037.611269.66987533.3
115307.274032.431274.84986258.46
125307.274027.221280.05984978.41
135307.2740221285.27983693.14
145307.274016.751290.52982402.62
155307.274011.481295.79981106.83
165307.274006.191301.08979805.75
175307.274000.871306.4978499.36
185307.273995.541311.73977187.63
195307.273990.181317.09975870.54
205307.273984.81322.47974548.08
215307.273979.41327.87973220.22
225307.273973.981333.29971886.93
235307.273968.541338.73970548.2
245307.273963.071344.2969204.01
255307.273957.581349.69967854.32
265307.273952.071355.2966499.13
275307.273946.541360.73965138.4
285307.273940.981366.29963772.11
295307.273935.41371.87962400.25
305307.273929.81377.47961022.78
315307.273924.181383.09959639.69
325307.273918.531388.74958250.95
335307.273912.861394.41956856.55
345307.273907.161400.11955456.44
355307.273901.451405.82954050.62
365307.273895.711411.56952639.06
375307.273889.941417.33951221.74
385307.273884.161423.11949798.63
395307.273878.341428.93948369.7
405307.273872.511434.76946934.95
415307.273866.651440.62945494.33
425307.273860.771446.5944047.83
435307.273854.861452.41942595.43
445307.273848.931458.34941137.09
455307.273842.981464.29939672.8
465307.2738371470.27938202.53
475307.273830.991476.28936726.26
485307.273824.971482.3935243.95
495307.273818.911488.36933755.6
505307.273812.841494.43932261.17
515307.273806.731500.54930760.63
525307.273800.611506.66929253.97
535307.273794.451512.82927741.16
545307.273788.281518.99926222.17
555307.273782.071525.2924696.97
565307.273775.851531.42923165.55
575307.273769.591537.68921627.88
585307.273763.311543.96920083.93
595307.273757.011550.26918533.67
605307.273750.681556.59916977.08
615307.273744.321562.95915414.14
625307.273737.941569.33913844.81
635307.273731.531575.74912269.08
645307.273725.11582.17910686.91
655307.273718.641588.63909098.28
665307.273712.151595.12907503.16
675307.273705.641601.63905901.53
685307.273699.11608.17904293.36
695307.273692.531614.74902678.63
705307.273685.941621.33901057.3
715307.273679.321627.95899429.35
725307.273672.671634.6897794.75
735307.2736661641.27896153.48
745307.273659.291647.98894505.5
755307.273652.561654.71892850.8
765307.273645.811661.46891189.34
775307.273639.021668.25889521.1
785307.273632.211675.06887846.04
795307.273625.371681.9886164.15
805307.273618.51688.77884475.38
815307.273611.611695.66882779.72
825307.273604.681702.59881077.14
835307.273597.731709.54879367.6
845307.273590.751716.52877651.09
855307.273583.741723.53875927.56
865307.273576.71730.57874197
875307.273569.641737.63872459.37
885307.273562.541744.73870714.65
895307.273555.421751.85868962.8
905307.273548.261759.01867203.79
915307.273541.081766.19865437.61
925307.273533.871773.4863664.21
935307.273526.631780.64861883.57
945307.273519.361787.91860095.66
955307.273512.061795.21858300.45
965307.273504.731802.54856497.91
975307.273497.371809.9854688.01
985307.273489.981817.29852870.72
995307.273482.561824.71851046.01
1005307.273475.11832.17849213.85
1015307.273467.621839.65847374.2
1025307.273460.111847.16845527.05
1035307.273452.571854.7843672.35
1045307.2734451862.27841810.08
1055307.273437.391869.88839940.2
1065307.273429.761877.51838062.69
1075307.273422.091885.18836177.51
1085307.273414.391892.88834284.64
1095307.273406.661900.61832384.03
1105307.273398.91908.37830475.67
1115307.273391.111916.16828559.51
1125307.273383.281923.99826635.52
1135307.273375.431931.84824703.69
1145307.273367.541939.73822763.96
1155307.273359.621947.65820816.31
1165307.273351.671955.6818860.71
1175307.273343.681963.59816897.12
1185307.273335.661971.61814925.52
1195307.273327.611979.66812945.87
1205307.273319.531987.74810958.13
1215307.273311.411995.86808962.27
1225307.273303.262004.01806958.27
1235307.273295.082012.19804946.08
1245307.273286.862020.41802925.68
1255307.273278.612028.66800897.02
1265307.273270.332036.94798860.08
1275307.273262.012045.26796814.83
1285307.273253.662053.61794761.22
1295307.273245.272062792699.23
1305307.273236.862070.41790628.82
1315307.273228.42078.87788549.95
1325307.273219.912087.36786462.6
1335307.273211.392095.88784366.72
1345307.273202.832104.44782262.28
1355307.273194.242113.03780149.25
1365307.273185.612121.66778027.6
1375307.273176.952130.32775897.27
1385307.273168.252139.02773758.25
1395307.273159.512147.76771610.5
1405307.273150.742156.53769453.98
1415307.273141.942165.33767288.65
1425307.273133.12174.17765114.47
1435307.273124.222183.05762931.42
1445307.273115.32191.97760739.46
1455307.273106.352200.92758538.55
1465307.273097.372209.9756328.64
1475307.273088.342218.93754109.72
1485307.273079.282227.99751881.73
1495307.273070.182237.09749644.65
1505307.273061.052246.22747398.43
1515307.273051.882255.39745143.04
1525307.273042.672264.6742878.44
1535307.273033.422273.85740604.59
1545307.273024.142283.13738321.46
1555307.273014.812292.46736029.01
1565307.273005.452301.82733727.19
1575307.272996.052311.22731415.98
1585307.272986.622320.65729095.33
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