请问怎样精确计算商业贷款？

小陈:你好！ 你看看贷款利率速算表（2007年3月18日调息） 年限 住房利率（下浮15％） 等额本息 等额本金 基准利率 等额本息 等额本金年利率％ 月利率％ 月还款额 月还款额 年利率％ 月利率％ 月还款额 月还款额1 5.4315 4.526 858.05 878.59 6.39 5.325 862.46 886.582 5.5845 4.654 441.34 463.21 6.57 5.475 445.78 474.423 5.5845 4.654 302.34 324.32 6.57 5.475 306.81 332.534 5.7375 4.781 233.65 256.14 6.75 5.625 237.47 264.585 5.7375 4.781 192.11 214.48 6.75 5.625 195.99 222.926 6.0435 5.036 165.93 189.25 7.11 5.925 169.29 198.147 6.0435 5.036 146.29 169.41 7.11 5.925 149.71 178.38 6.0435 5.036 131.62 154.53 7.11 5.925 135.1 163.429 6.0435 5.036 120.27 142.95 7.11 5.925 123.8 151.8410 6.0435 5.036 111.24 133.69 7.11 5.925 114.82 142.5811 6.0435 5.036 103.89 126.12 7.11 5.925 107.53 135.0112 6.0435 5.036 97.81 119.80 7.11 5.925 101.51 128.6913 6.0435 5.036 92.70 114.46 7.11 5.925 96.46 123.3514 6.0435 5.036 88.35 109.88 7.11 5.925 92.17 118.7715 6.0435 5.036 84.62 105.92 7.11 5.925 88.49 114.8116 6.0435 5.036 81.38 102.44 7.11 5.925 85.31 111.3317 6.0435 5.036 78.55 99.38 7.11 5.925 82.53 108.2718 6.0435 5.036 76.06 96.66 7.11 5.925 80.1 105.5519 6.0435 5.036 73.85 94.22 7.11 5.925 77.95 103.1120 6.0435 5.036 71.89 92.03 7.11 5.925 76.04 100.9221 6.0435 5.036 70.14 90.04 7.11 5.925 74.33 98.9322 6.0435 5.036 68.56 88.24 7.11 5.925 72.81 97.1323 6.0435 5.036 67.14 86.59 7.11 5.925 71.44 95.4824 6.0435 5.036 65.86 85.08 7.11 5.925 70.21 93.9725 6.0435 5.036 64.69 83.69 7.11 5.925 69.09 92.5826 6.0435 5.036 63.63 82.41 7.11 5.925 68.08 91.327 6.0435 5.036 62.67 81.22 7.11 5.925 67.16 90.1128 6.0435 5.036 61.79 80.12 7.11 5.925 66.32 89.0129 6.0435 5.036 60.98 79.10 7.11 5.925 65.56 87.9930 6.0435 5.036 60.23 78.14 7.11 5.925 64.86 87.03 收起