2025贷款计算器 - 最新利率比较/试算


1	¥10,124.51	¥3,333.33	¥6,791.18	¥993,208.82
2	¥10,124.51	¥3,310.70	¥6,813.82	¥986,395.00
3	¥10,124.51	¥3,287.98	¥6,836.53	¥979,558.47
4	¥10,124.51	¥3,265.19	¥6,859.32	¥972,699.15
5	¥10,124.51	¥3,242.33	¥6,882.18	¥965,816.97
6	¥10,124.51	¥3,219.39	¥6,905.12	¥958,911.85
7	¥10,124.51	¥3,196.37	¥6,928.14	¥951,983.70
8	¥10,124.51	¥3,173.28	¥6,951.23	¥945,032.47
9	¥10,124.51	¥3,150.11	¥6,974.41	¥938,058.06
10	¥10,124.51	¥3,126.86	¥6,997.65	¥931,060.41
11	¥10,124.51	¥3,103.53	¥7,020.98	¥924,039.43
12	¥10,124.51	¥3,080.13	¥7,044.38	¥916,995.05
13	¥10,124.51	¥3,056.65	¥7,067.86	¥909,927.19
14	¥10,124.51	¥3,033.09	¥7,091.42	¥902,835.76
15	¥10,124.51	¥3,009.45	¥7,115.06	¥895,720.70
16	¥10,124.51	¥2,985.74	¥7,138.78	¥888,581.92
17	¥10,124.51	¥2,961.94	¥7,162.57	¥881,419.35
18	¥10,124.51	¥2,938.06	¥7,186.45	¥874,232.90
19	¥10,124.51	¥2,914.11	¥7,210.40	¥867,022.49
20	¥10,124.51	¥2,890.07	¥7,234.44	¥859,788.06
21	¥10,124.51	¥2,865.96	¥7,258.55	¥852,529.50
22	¥10,124.51	¥2,841.77	¥7,282.75	¥845,246.75
23	¥10,124.51	¥2,817.49	¥7,307.02	¥837,939.73
24	¥10,124.51	¥2,793.13	¥7,331.38	¥830,608.35
25	¥10,124.51	¥2,768.69	¥7,355.82	¥823,252.53
26	¥10,124.51	¥2,744.18	¥7,380.34	¥815,872.19
27	¥10,124.51	¥2,719.57	¥7,404.94	¥808,467.25
28	¥10,124.51	¥2,694.89	¥7,429.62	¥801,037.63
29	¥10,124.51	¥2,670.13	¥7,454.39	¥793,583.24
30	¥10,124.51	¥2,645.28	¥7,479.24	¥786,104.00
31	¥10,124.51	¥2,620.35	¥7,504.17	¥778,599.83
32	¥10,124.51	¥2,595.33	¥7,529.18	¥771,070.65
33	¥10,124.51	¥2,570.24	¥7,554.28	¥763,516.38
34	¥10,124.51	¥2,545.05	¥7,579.46	¥755,936.92
35	¥10,124.51	¥2,519.79	¥7,604.72	¥748,332.19
36	¥10,124.51	¥2,494.44	¥7,630.07	¥740,702.12
37	¥10,124.51	¥2,469.01	¥7,655.51	¥733,046.61
38	¥10,124.51	¥2,443.49	¥7,681.03	¥725,365.59
39	¥10,124.51	¥2,417.89	¥7,706.63	¥717,658.96
40	¥10,124.51	¥2,392.20	¥7,732.32	¥709,926.64
41	¥10,124.51	¥2,366.42	¥7,758.09	¥702,168.55
42	¥10,124.51	¥2,340.56	¥7,783.95	¥694,384.60
43	¥10,124.51	¥2,314.62	¥7,809.90	¥686,574.70
44	¥10,124.51	¥2,288.58	¥7,835.93	¥678,738.77
45	¥10,124.51	¥2,262.46	¥7,862.05	¥670,876.72
46	¥10,124.51	¥2,236.26	¥7,888.26	¥662,988.46
47	¥10,124.51	¥2,209.96	¥7,914.55	¥655,073.91
48	¥10,124.51	¥2,183.58	¥7,940.93	¥647,132.97
49	¥10,124.51	¥2,157.11	¥7,967.40	¥639,165.57
50	¥10,124.51	¥2,130.55	¥7,993.96	¥631,171.61
51	¥10,124.51	¥2,103.91	¥8,020.61	¥623,151.00
52	¥10,124.51	¥2,077.17	¥8,047.34	¥615,103.65
53	¥10,124.51	¥2,050.35	¥8,074.17	¥607,029.49
54	¥10,124.51	¥2,023.43	¥8,101.08	¥598,928.40
55	¥10,124.51	¥1,996.43	¥8,128.09	¥590,800.32
56	¥10,124.51	¥1,969.33	¥8,155.18	¥582,645.14
57	¥10,124.51	¥1,942.15	¥8,182.36	¥574,462.77
58	¥10,124.51	¥1,914.88	¥8,209.64	¥566,253.14
59	¥10,124.51	¥1,887.51	¥8,237.00	¥558,016.13
60	¥10,124.51	¥1,860.05	¥8,264.46	¥549,751.67
61	¥10,124.51	¥1,832.51	¥8,292.01	¥541,459.67
62	¥10,124.51	¥1,804.87	¥8,319.65	¥533,140.02
63	¥10,124.51	¥1,777.13	¥8,347.38	¥524,792.64
64	¥10,124.51	¥1,749.31	¥8,375.21	¥516,417.43
65	¥10,124.51	¥1,721.39	¥8,403.12	¥508,014.31
66	¥10,124.51	¥1,693.38	¥8,431.13	¥499,583.18
67	¥10,124.51	¥1,665.28	¥8,459.24	¥491,123.94
68	¥10,124.51	¥1,637.08	¥8,487.43	¥482,636.51
69	¥10,124.51	¥1,608.79	¥8,515.73	¥474,120.78
70	¥10,124.51	¥1,580.40	¥8,544.11	¥465,576.67
71	¥10,124.51	¥1,551.92	¥8,572.59	¥457,004.08
72	¥10,124.51	¥1,523.35	¥8,601.17	¥448,402.91
73	¥10,124.51	¥1,494.68	¥8,629.84	¥439,773.07
74	¥10,124.51	¥1,465.91	¥8,658.60	¥431,114.47
75	¥10,124.51	¥1,437.05	¥8,687.47	¥422,427.00
76	¥10,124.51	¥1,408.09	¥8,716.42	¥413,710.58
77	¥10,124.51	¥1,379.04	¥8,745.48	¥404,965.10
78	¥10,124.51	¥1,349.88	¥8,774.63	¥396,190.47
79	¥10,124.51	¥1,320.63	¥8,803.88	¥387,386.59
80	¥10,124.51	¥1,291.29	¥8,833.23	¥378,553.37
81	¥10,124.51	¥1,261.84	¥8,862.67	¥369,690.70
82	¥10,124.51	¥1,232.30	¥8,892.21	¥360,798.49
83	¥10,124.51	¥1,202.66	¥8,921.85	¥351,876.63
84	¥10,124.51	¥1,172.92	¥8,951.59	¥342,925.04
85	¥10,124.51	¥1,143.08	¥8,981.43	¥333,943.61
86	¥10,124.51	¥1,113.15	¥9,011.37	¥324,932.24
87	¥10,124.51	¥1,083.11	¥9,041.41	¥315,890.84
88	¥10,124.51	¥1,052.97	¥9,071.54	¥306,819.29
89	¥10,124.51	¥1,022.73	¥9,101.78	¥297,717.51
90	¥10,124.51	¥992.39	¥9,132.12	¥288,585.39
91	¥10,124.51	¥961.95	¥9,162.56	¥279,422.83
92	¥10,124.51	¥931.41	¥9,193.10	¥270,229.72
93	¥10,124.51	¥900.77	¥9,223.75	¥261,005.97
94	¥10,124.51	¥870.02	¥9,254.49	¥251,751.48
95	¥10,124.51	¥839.17	¥9,285.34	¥242,466.14
96	¥10,124.51	¥808.22	¥9,316.29	¥233,149.84
97	¥10,124.51	¥777.17	¥9,347.35	¥223,802.50
98	¥10,124.51	¥746.01	¥9,378.51	¥214,423.99
99	¥10,124.51	¥714.75	¥9,409.77	¥205,014.22
100	¥10,124.51	¥683.38	¥9,441.13	¥195,573.09
101	¥10,124.51	¥651.91	¥9,472.60	¥186,100.49
102	¥10,124.51	¥620.33	¥9,504.18	¥176,596.31
103	¥10,124.51	¥588.65	¥9,535.86	¥167,060.45
104	¥10,124.51	¥556.87	¥9,567.65	¥157,492.80
105	¥10,124.51	¥524.98	¥9,599.54	¥147,893.26
106	¥10,124.51	¥492.98	¥9,631.54	¥138,261.73
107	¥10,124.51	¥460.87	¥9,663.64	¥128,598.09
108	¥10,124.51	¥428.66	¥9,695.85	¥118,902.23
109	¥10,124.51	¥396.34	¥9,728.17	¥109,174.06
110	¥10,124.51	¥363.91	¥9,760.60	¥99,413.46
111	¥10,124.51	¥331.38	¥9,793.14	¥89,620.32
112	¥10,124.51	¥298.73	¥9,825.78	¥79,794.55
113	¥10,124.51	¥265.98	¥9,858.53	¥69,936.01
114	¥10,124.51	¥233.12	¥9,891.39	¥60,044.62
115	¥10,124.51	¥200.15	¥9,924.37	¥50,120.25
116	¥10,124.51	¥167.07	¥9,957.45	¥40,162.81
117	¥10,124.51	¥133.88	¥9,990.64	¥30,172.17
118	¥10,124.51	¥100.57	¥10,023.94	¥20,148.23
119	¥10,124.51	¥67.16	¥10,057.35	¥10,090.88
120	¥10,124.51	¥33.64	¥10,090.88	¥0.00

¥11,666.67

等额本金 / 首月还款金额

贷款类型：等额本金

利息总额：¥201,666.67

还款总额：¥1,201,666.67

期数	每月还款	偿还利息	偿还本金	剩余本金


1	¥11,666.67	¥3,333.33	¥8,333.33	¥991,666.67
2	¥11,638.89	¥3,305.56	¥8,333.33	¥983,333.33
3	¥11,611.11	¥3,277.78	¥8,333.33	¥975,000.00
4	¥11,583.33	¥3,250.00	¥8,333.33	¥966,666.67
5	¥11,555.56	¥3,222.22	¥8,333.33	¥958,333.33
6	¥11,527.78	¥3,194.44	¥8,333.33	¥950,000.00
7	¥11,500.00	¥3,166.67	¥8,333.33	¥941,666.67
8	¥11,472.22	¥3,138.89	¥8,333.33	¥933,333.33
9	¥11,444.44	¥3,111.11	¥8,333.33	¥925,000.00
10	¥11,416.67	¥3,083.33	¥8,333.33	¥916,666.67
11	¥11,388.89	¥3,055.56	¥8,333.33	¥908,333.33
12	¥11,361.11	¥3,027.78	¥8,333.33	¥900,000.00
13	¥11,333.33	¥3,000.00	¥8,333.33	¥891,666.67
14	¥11,305.56	¥2,972.22	¥8,333.33	¥883,333.33
15	¥11,277.78	¥2,944.44	¥8,333.33	¥875,000.00
16	¥11,250.00	¥2,916.67	¥8,333.33	¥866,666.67
17	¥11,222.22	¥2,888.89	¥8,333.33	¥858,333.33
18	¥11,194.44	¥2,861.11	¥8,333.33	¥850,000.00
19	¥11,166.67	¥2,833.33	¥8,333.33	¥841,666.67
20	¥11,138.89	¥2,805.56	¥8,333.33	¥833,333.33
21	¥11,111.11	¥2,777.78	¥8,333.33	¥825,000.00
22	¥11,083.33	¥2,750.00	¥8,333.33	¥816,666.67
23	¥11,055.56	¥2,722.22	¥8,333.33	¥808,333.33
24	¥11,027.78	¥2,694.44	¥8,333.33	¥800,000.00
25	¥11,000.00	¥2,666.67	¥8,333.33	¥791,666.67
26	¥10,972.22	¥2,638.89	¥8,333.33	¥783,333.33
27	¥10,944.44	¥2,611.11	¥8,333.33	¥775,000.00
28	¥10,916.67	¥2,583.33	¥8,333.33	¥766,666.67
29	¥10,888.89	¥2,555.56	¥8,333.33	¥758,333.33
30	¥10,861.11	¥2,527.78	¥8,333.33	¥750,000.00
31	¥10,833.33	¥2,500.00	¥8,333.33	¥741,666.67
32	¥10,805.56	¥2,472.22	¥8,333.33	¥733,333.33
33	¥10,777.78	¥2,444.44	¥8,333.33	¥725,000.00
34	¥10,750.00	¥2,416.67	¥8,333.33	¥716,666.67
35	¥10,722.22	¥2,388.89	¥8,333.33	¥708,333.33
36	¥10,694.44	¥2,361.11	¥8,333.33	¥700,000.00
37	¥10,666.67	¥2,333.33	¥8,333.33	¥691,666.67
38	¥10,638.89	¥2,305.56	¥8,333.33	¥683,333.33
39	¥10,611.11	¥2,277.78	¥8,333.33	¥675,000.00
40	¥10,583.33	¥2,250.00	¥8,333.33	¥666,666.67
41	¥10,555.56	¥2,222.22	¥8,333.33	¥658,333.33
42	¥10,527.78	¥2,194.44	¥8,333.33	¥650,000.00
43	¥10,500.00	¥2,166.67	¥8,333.33	¥641,666.67
44	¥10,472.22	¥2,138.89	¥8,333.33	¥633,333.33
45	¥10,444.44	¥2,111.11	¥8,333.33	¥625,000.00
46	¥10,416.67	¥2,083.33	¥8,333.33	¥616,666.67
47	¥10,388.89	¥2,055.56	¥8,333.33	¥608,333.33
48	¥10,361.11	¥2,027.78	¥8,333.33	¥600,000.00
49	¥10,333.33	¥2,000.00	¥8,333.33	¥591,666.67
50	¥10,305.56	¥1,972.22	¥8,333.33	¥583,333.33
51	¥10,277.78	¥1,944.44	¥8,333.33	¥575,000.00
52	¥10,250.00	¥1,916.67	¥8,333.33	¥566,666.67
53	¥10,222.22	¥1,888.89	¥8,333.33	¥558,333.33
54	¥10,194.44	¥1,861.11	¥8,333.33	¥550,000.00
55	¥10,166.67	¥1,833.33	¥8,333.33	¥541,666.67
56	¥10,138.89	¥1,805.56	¥8,333.33	¥533,333.33
57	¥10,111.11	¥1,777.78	¥8,333.33	¥525,000.00
58	¥10,083.33	¥1,750.00	¥8,333.33	¥516,666.67
59	¥10,055.56	¥1,722.22	¥8,333.33	¥508,333.33
60	¥10,027.78	¥1,694.44	¥8,333.33	¥500,000.00
61	¥10,000.00	¥1,666.67	¥8,333.33	¥491,666.67
62	¥9,972.22	¥1,638.89	¥8,333.33	¥483,333.33
63	¥9,944.44	¥1,611.11	¥8,333.33	¥475,000.00
64	¥9,916.67	¥1,583.33	¥8,333.33	¥466,666.67
65	¥9,888.89	¥1,555.56	¥8,333.33	¥458,333.33
66	¥9,861.11	¥1,527.78	¥8,333.33	¥450,000.00
67	¥9,833.33	¥1,500.00	¥8,333.33	¥441,666.67
68	¥9,805.56	¥1,472.22	¥8,333.33	¥433,333.33
69	¥9,777.78	¥1,444.44	¥8,333.33	¥425,000.00
70	¥9,750.00	¥1,416.67	¥8,333.33	¥416,666.67
71	¥9,722.22	¥1,388.89	¥8,333.33	¥408,333.33
72	¥9,694.44	¥1,361.11	¥8,333.33	¥400,000.00
73	¥9,666.67	¥1,333.33	¥8,333.33	¥391,666.67
74	¥9,638.89	¥1,305.56	¥8,333.33	¥383,333.33
75	¥9,611.11	¥1,277.78	¥8,333.33	¥375,000.00
76	¥9,583.33	¥1,250.00	¥8,333.33	¥366,666.67
77	¥9,555.56	¥1,222.22	¥8,333.33	¥358,333.33
78	¥9,527.78	¥1,194.44	¥8,333.33	¥350,000.00
79	¥9,500.00	¥1,166.67	¥8,333.33	¥341,666.67
80	¥9,472.22	¥1,138.89	¥8,333.33	¥333,333.33
81	¥9,444.44	¥1,111.11	¥8,333.33	¥325,000.00
82	¥9,416.67	¥1,083.33	¥8,333.33	¥316,666.67
83	¥9,388.89	¥1,055.56	¥8,333.33	¥308,333.33
84	¥9,361.11	¥1,027.78	¥8,333.33	¥300,000.00
85	¥9,333.33	¥1,000.00	¥8,333.33	¥291,666.67
86	¥9,305.56	¥972.22	¥8,333.33	¥283,333.33
87	¥9,277.78	¥944.44	¥8,333.33	¥275,000.00
88	¥9,250.00	¥916.67	¥8,333.33	¥266,666.67
89	¥9,222.22	¥888.89	¥8,333.33	¥258,333.33
90	¥9,194.44	¥861.11	¥8,333.33	¥250,000.00
91	¥9,166.67	¥833.33	¥8,333.33	¥241,666.67
92	¥9,138.89	¥805.56	¥8,333.33	¥233,333.33
93	¥9,111.11	¥777.78	¥8,333.33	¥225,000.00
94	¥9,083.33	¥750.00	¥8,333.33	¥216,666.67
95	¥9,055.56	¥722.22	¥8,333.33	¥208,333.33
96	¥9,027.78	¥694.44	¥8,333.33	¥200,000.00
97	¥9,000.00	¥666.67	¥8,333.33	¥191,666.67
98	¥8,972.22	¥638.89	¥8,333.33	¥183,333.33
99	¥8,944.44	¥611.11	¥8,333.33	¥175,000.00
100	¥8,916.67	¥583.33	¥8,333.33	¥166,666.67
101	¥8,888.89	¥555.56	¥8,333.33	¥158,333.33
102	¥8,861.11	¥527.78	¥8,333.33	¥150,000.00
103	¥8,833.33	¥500.00	¥8,333.33	¥141,666.67
104	¥8,805.56	¥472.22	¥8,333.33	¥133,333.33
105	¥8,777.78	¥444.44	¥8,333.33	¥125,000.00
106	¥8,750.00	¥416.67	¥8,333.33	¥116,666.67
107	¥8,722.22	¥388.89	¥8,333.33	¥108,333.33
108	¥8,694.44	¥361.11	¥8,333.33	¥100,000.00
109	¥8,666.67	¥333.33	¥8,333.33	¥91,666.67
110	¥8,638.89	¥305.56	¥8,333.33	¥83,333.33
111	¥8,611.11	¥277.78	¥8,333.33	¥75,000.00
112	¥8,583.33	¥250.00	¥8,333.33	¥66,666.67
113	¥8,555.56	¥222.22	¥8,333.33	¥58,333.33
114	¥8,527.78	¥194.44	¥8,333.33	¥50,000.00
115	¥8,500.00	¥166.67	¥8,333.33	¥41,666.67
116	¥8,472.22	¥138.89	¥8,333.33	¥33,333.33
117	¥8,444.44	¥111.11	¥8,333.33	¥25,000.00
118	¥8,416.67	¥83.33	¥8,333.33	¥16,666.67
119	¥8,388.89	¥55.56	¥8,333.33	¥8,333.33
120	¥8,361.11	¥27.78	¥8,333.33	¥0.00

2025年 - 期房房贷流程及注意事项

1. 贷款预审与首付时间

在选房后，通常需在2~3天内完成贷款预审及首付款支付。时间紧张，务必提前准备好相关材料。如首付日期恰逢周末，建议提前向银行申请大额转账或POS刷卡，避免出现支付困难。

2. 流程说明

在售楼处，银行经理会先进行贷款材料预审。获得银行预审单后，带着此单到销售经理处支付首付，销售经理会提供POS机单和收款回执单。确保当天获取以下文件：

银行预审单（交给销售经理，自己拍照保存，后续网签时需要）
POS机单
收款回执单（保存好，后续网签时使用）

3. 首付金额

贷款首付最低为总房款的30%。境外人士可能需要支付总价的40%才可办理贷款。

4. 贷款预审所需材料

收入证明（向公司申请并加盖人事印章）
最近一年银行工资卡流水（可通过银行APP申请）
社保证明
公积金对账单（如需办理组合贷款或公积金贷款）
征信报告（可通过中国银行APP申请，或到当地中国人民银行办理）

5. 贷款预审要求

一般来说，您的平均月薪应当大于等于贷款月供的两倍。可通过贷款计算器自行预估是否符合条件。