不少人不理解，住房按揭还贷，每个月怎么总是利息大大高于本金？明明还了!“##元，银行寄来的账单上，利息是!$##元，而本金只有%##元。下面我们通过目前最常见的每月等额偿还方式来说明银行计算贷款偿还的方式。以贷款%#万元、贷款期限%#年（%#个月）为例，贷款年利率为$’$”( Many people do not understand, mortgage repayments, how the interest is always much higher than the principal every month? $ # $, The bank sent the bill, the interest is! $ ## $, while the principal is only% ##. Below we illustrate the bank by the most common method of monthly repayment Loan repayment method. To loan% # million, the loan deadline% # years (% # months), for example, the loan interest rate $ ’$ "(