受传统的住房贷款模式的启发，本文提出了一种新模式： Ａ Ａ Ｍ，介绍了 Ａ Ａ Ｍ 的原理和计算公式，并给出了 Ａ Ａ Ｍ 的还贷计算表，并通过与 Ｃ Ｐ Ｍ 的比较，说明其特点 Inspired by the traditional housing loan model, this paper presents a new model: A A M, introduces the principle and calculation formula of A A M, and gives the A A M loan repayment calculation table, and through the C P M’s comparison, indicating its characteristics