| 项目 | 方案1 | 方案2 | 方案3 | 方案4 |
| 房款总额 | 250000 | 230000 | 200000 | 200000 |
| 首付几成 | 20% | 20% | 20% | 20% |
| 首期付款 | 50000 | 46000 | 40000 | 40000 |
| 贷款 | 200000 | 184000 | 160000 | 160000 |
| 贷款利率 | 5.58% | 5.58% | 5.58% | 5.31% |
| 付款年限 | 15 | 10 | 10 | 5 |
| 契税1.5% | 3750 | 3450 | 3000 | 3000 |
| 购房费用 | 3500 | 3500 | 3500 | 3500 |
| 每月还款 | 1,635.07 | 1,994.91 | 1,734.70 | 3,028.77 |
| 利息总额 | 94,312.00 | 55,389.07 | 48,164.41 | 21,726.30 |
| 总还款 | 294,312.00 | 239,389.07 | 208,164.41 | 181,726.30 |
| 总付款 | 351,562.00 | 292,339.07 | 254,664.41 | 228,226.30 |
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