【单选题】【消耗次数：1】
每月还款数额相同，方便安排收入胡贷款方式是（ ）。
①
等额本息
②
等额本金
参考答案：
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按月等额还本付息的住房抵押贷款，其计算月还款额的月利率为0.5%。此时，年利率6%称为“名义利率”，但因为是每月计算一次利息，所以借款人每年还本付息中实际支付给银行的利息，即实际利率（）。
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