贷款买房的数学模型.doc

摘要
　　　从改革开放起,房地产行业便作为我国经济发展的一大支柱行业,并不断向前发展。时至今日,在房产泡沫的催发下,我过的房价也是节节攀升。以至于,“国八条”、“国五条”等限制房价飞涨的条例不断出台。鉴于这种情况下，传统的一次性清付形式的买房方式早已淘汰，取而代之是以向银行贷款新型模式的产生。
　　　本文就是居于这种模式下，对贷款买房中涉及的分期付款的购房还贷模型，针对不同的案例，提出合理的方案。运用差分方程建模的理论，对等额本息还款法，等额递增还款法做出具体案例分析，以期达到省钱购房的目的。
　　　
关键词：房产  贷款买房  分期付款   差分方程建模 

Abstract
From the reform and opening up, the real estate industry as a pillar industry of China's economic development, and continuously forward development. Today, in promoting real estate bubble, the prices also rising. So, the "country of eight", "country of five" limit prices soaring regulations are issued constantly. In view of this situation, the traditional form of one-time buy a house already pay the way out, replace sb. Is produced with a loan from the Bank of new mode.
This article is in this mode, the loan repayment model installment to buy a house loan, according to the different case, and put forward reasonable scheme. Using the differential equation modeling theory, the matching interest repayment law, matching incremental repayment law to make specific case analysis, in order to achieve the purpose of saving money purchase.

Keywords：Real estate   Loans to buy a house  Installment payment   Differential equation modeling

目录
摘要 I
Abstract II
第一章 我国居民买房变革史 1
1.1 传统的买房 1
1.2 新式的购房 1
第二章 分期还贷 3
2.1 等额本息还款法 3
2.2 等额本金递增还款法 4
2.3 其他银行还款方式 5
第三章 两大还贷方法模型建立 7
3.1 等额本息还款法的建模 7
3.2 等额本金递增还款法的建模 8
第四章 两大贷款模型的实例运用 12
4.1  案例及其求解 12
4.1.1 按等额本息法还款 12
4.1.2  按等额本金递增法还贷 14
4.2 案例的结果分析 16
第五章 总结 17
参考文献 20
致 谢 21
附录 22