等额本息

在对贷款方式研究的基础上，通过对等额本息法和等额本金法两种基本还款方式的对比分析，阐明了个人住房抵押贷款还款的选择方式。

Based on the research on the loan modes , this paper makes comparative analysis on the two basic repayment modes , the equality corpus and interest and the equality corpus , this paper expounds the selection of the repayment mode of the personal housing mortgaging loan .

其中，初始投资成本不仅仅计及了设备购置成本（包括建设的相关费用）、土地租赁成本，还创新的引入了技术改造成本以及贷款利息，并推导了等额本息还款方式下的利息总额计算公式。

Among them , the initial cost is taking into account not only the equipment cost , land leasing costs , but the introduction of innovative renovation costs and interest on loans . The interest in equal installments of principal and interest repayment formula is derived in this article .