摘要
　　　從改革開(kāi)放起,房地產(chǎn)行業(yè)便作為我國(guó)經(jīng)濟(jì)發(fā)展的一大支柱行業(yè),并不斷向前發(fā)展。時(shí)至今日,在房產(chǎn)泡沫的催發(fā)下,我過(guò)的房?jī)r(jià)也是節(jié)節(jié)攀升。以至于,“國(guó)八條”、“國(guó)五條”等限制房?jī)r(jià)飛漲的條例不斷出臺(tái)。鑒于這種情況下，傳統(tǒng)的一次性清付形式的買房方式早已淘汰，取而代之是以向銀行貸款新型模式的產(chǎn)生。
　　　本文就是居于這種模式下，對(duì)貸款買房中涉及的分期付款的購(gòu)房還貸模型，針對(duì)不同的案例，提出合理的方案。運(yùn)用差分方程建模的理論，對(duì)等額本息還款法，等額遞增還款法做出具體案例分析，以期達(dá)到省錢購(gòu)房的目的。
　　　
關(guān)鍵詞：房產(chǎn)  貸款買房  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

目錄
摘要 I
Abstract II
第一章 我國(guó)居民買房變革史 1
1.1 傳統(tǒng)的買房 1
1.2 新式的購(gòu)房 1
第二章 分期還貸 3
2.1 等額本息還款法 3
2.2 等額本金遞增還款法 4
2.3 其他銀行還款方式 5
第三章 兩大還貸方法模型建立 7
3.1 等額本息還款法的建模 7
3.2 等額本金遞增還款法的建模 8
第四章 兩大貸款模型的實(shí)例運(yùn)用 12
4.1  案例及其求解 12
4.1.1 按等額本息法還款 12
4.1.2  按等額本金遞增法還貸 14
4.2 案例的結(jié)果分析 16
第五章 總結(jié) 17
參考文獻(xiàn) 20
致 謝 21
附錄 22