买房子办银行按揭贷款有很多学问,稍微不注意,就是几万元的差距。所以工薪阶层买房的,要千万注意这些问题!银行贷还款的方式有等额本息和等额本金两种,去办银行贷款,选择还款方式很重要。一、等额本息还款其实,你在看房子的时候,售楼小姐给你算的都是这种还款方式,因为每月还款数额固定,而且相对于另一种方式,这个金额更小,更容易被买房者接受。但是大家知道等额本息的真实还款情况是什么样吗? Buy a house to do bank mortgage loans have a lot of learning, a little do not pay attention, that is, the gap of tens of thousands. Therefore, wage-earners to buy a house, we must pay attention to these problems! Bank loan repayment methods have the same amount of principal and interest and matching two principal, to do bank loans, choose the repayment method is very important. First, equal principal and interest repayment In fact, when you look at the house, Miss sales to you are considered this way of repayment, because the monthly repayment amount is fixed, and relative to the other way, the amount is smaller , More easily be accepted by buyers. However, we all know that the real repayment of principal and interest equivalent is what?