2025贷款计算器 - 最新利率比较/试算

贷款金额100万元,贷款20年,利率4.00%,总利息为454353元,每个月还款6060元(使用等额本息)

"等额本息"与"等额本金" 利息及还款金额对比分析
¥6,059.80
等额本息 / 每月还款金额

贷款类型:等额本息

利息总额:¥454,352.79

还款总额:¥1,454,352.79

期数每月还款偿还利息偿还本金剩余本金
1¥6,059.80¥3,333.33¥2,726.47¥997,273.53
2¥6,059.80¥3,324.25¥2,735.56¥994,537.97
3¥6,059.80¥3,315.13¥2,744.68¥991,793.30
4¥6,059.80¥3,305.98¥2,753.83¥989,039.47
5¥6,059.80¥3,296.80¥2,763.01¥986,276.46
6¥6,059.80¥3,287.59¥2,772.22¥983,504.25
7¥6,059.80¥3,278.35¥2,781.46¥980,722.79
8¥6,059.80¥3,269.08¥2,790.73¥977,932.07
9¥6,059.80¥3,259.77¥2,800.03¥975,132.04
10¥6,059.80¥3,250.44¥2,809.36¥972,322.67
11¥6,059.80¥3,241.08¥2,818.73¥969,503.95
12¥6,059.80¥3,231.68¥2,828.12¥966,675.82
13¥6,059.80¥3,222.25¥2,837.55¥963,838.27
14¥6,059.80¥3,212.79¥2,847.01¥960,991.26
15¥6,059.80¥3,203.30¥2,856.50¥958,134.76
16¥6,059.80¥3,193.78¥2,866.02¥955,268.74
17¥6,059.80¥3,184.23¥2,875.57¥952,393.17
18¥6,059.80¥3,174.64¥2,885.16¥949,508.01
19¥6,059.80¥3,165.03¥2,894.78¥946,613.23
20¥6,059.80¥3,155.38¥2,904.43¥943,708.81
21¥6,059.80¥3,145.70¥2,914.11¥940,794.70
22¥6,059.80¥3,135.98¥2,923.82¥937,870.88
23¥6,059.80¥3,126.24¥2,933.57¥934,937.31
24¥6,059.80¥3,116.46¥2,943.35¥931,993.97
25¥6,059.80¥3,106.65¥2,953.16¥929,040.81
26¥6,059.80¥3,096.80¥2,963.00¥926,077.81
27¥6,059.80¥3,086.93¥2,972.88¥923,104.93
28¥6,059.80¥3,077.02¥2,982.79¥920,122.14
29¥6,059.80¥3,067.07¥2,992.73¥917,129.41
30¥6,059.80¥3,057.10¥3,002.71¥914,126.71
31¥6,059.80¥3,047.09¥3,012.71¥911,114.00
32¥6,059.80¥3,037.05¥3,022.76¥908,091.24
33¥6,059.80¥3,026.97¥3,032.83¥905,058.41
34¥6,059.80¥3,016.86¥3,042.94¥902,015.46
35¥6,059.80¥3,006.72¥3,053.09¥898,962.38
36¥6,059.80¥2,996.54¥3,063.26¥895,899.12
37¥6,059.80¥2,986.33¥3,073.47¥892,825.64
38¥6,059.80¥2,976.09¥3,083.72¥889,741.93
39¥6,059.80¥2,965.81¥3,094.00¥886,647.93
40¥6,059.80¥2,955.49¥3,104.31¥883,543.62
41¥6,059.80¥2,945.15¥3,114.66¥880,428.96
42¥6,059.80¥2,934.76¥3,125.04¥877,303.92
43¥6,059.80¥2,924.35¥3,135.46¥874,168.46
44¥6,059.80¥2,913.89¥3,145.91¥871,022.56
45¥6,059.80¥2,903.41¥3,156.39¥867,866.16
46¥6,059.80¥2,892.89¥3,166.92¥864,699.25
47¥6,059.80¥2,882.33¥3,177.47¥861,521.77
48¥6,059.80¥2,871.74¥3,188.06¥858,333.71
49¥6,059.80¥2,861.11¥3,198.69¥855,135.02
50¥6,059.80¥2,850.45¥3,209.35¥851,925.66
51¥6,059.80¥2,839.75¥3,220.05¥848,705.61
52¥6,059.80¥2,829.02¥3,230.78¥845,474.83
53¥6,059.80¥2,818.25¥3,241.55¥842,233.28
54¥6,059.80¥2,807.44¥3,252.36¥838,980.92
55¥6,059.80¥2,796.60¥3,263.20¥835,717.72
56¥6,059.80¥2,785.73¥3,274.08¥832,443.64
57¥6,059.80¥2,774.81¥3,284.99¥829,158.65
58¥6,059.80¥2,763.86¥3,295.94¥825,862.71
59¥6,059.80¥2,752.88¥3,306.93¥822,555.78
60¥6,059.80¥2,741.85¥3,317.95¥819,237.83
61¥6,059.80¥2,730.79¥3,329.01¥815,908.82
62¥6,059.80¥2,719.70¥3,340.11¥812,568.71
63¥6,059.80¥2,708.56¥3,351.24¥809,217.47
64¥6,059.80¥2,697.39¥3,362.41¥805,855.06
65¥6,059.80¥2,686.18¥3,373.62¥802,481.44
66¥6,059.80¥2,674.94¥3,384.87¥799,096.57
67¥6,059.80¥2,663.66¥3,396.15¥795,700.42
68¥6,059.80¥2,652.33¥3,407.47¥792,292.96
69¥6,059.80¥2,640.98¥3,418.83¥788,874.13
70¥6,059.80¥2,629.58¥3,430.22¥785,443.91
71¥6,059.80¥2,618.15¥3,441.66¥782,002.25
72¥6,059.80¥2,606.67¥3,453.13¥778,549.12
73¥6,059.80¥2,595.16¥3,464.64¥775,084.48
74¥6,059.80¥2,583.61¥3,476.19¥771,608.29
75¥6,059.80¥2,572.03¥3,487.78¥768,120.52
76¥6,059.80¥2,560.40¥3,499.40¥764,621.11
77¥6,059.80¥2,548.74¥3,511.07¥761,110.05
78¥6,059.80¥2,537.03¥3,522.77¥757,587.28
79¥6,059.80¥2,525.29¥3,534.51¥754,052.77
80¥6,059.80¥2,513.51¥3,546.29¥750,506.47
81¥6,059.80¥2,501.69¥3,558.12¥746,948.36
82¥6,059.80¥2,489.83¥3,569.98¥743,378.38
83¥6,059.80¥2,477.93¥3,581.88¥739,796.51
84¥6,059.80¥2,465.99¥3,593.81¥736,202.69
85¥6,059.80¥2,454.01¥3,605.79¥732,596.90
86¥6,059.80¥2,441.99¥3,617.81¥728,979.08
87¥6,059.80¥2,429.93¥3,629.87¥725,349.21
88¥6,059.80¥2,417.83¥3,641.97¥721,707.24
89¥6,059.80¥2,405.69¥3,654.11¥718,053.13
90¥6,059.80¥2,393.51¥3,666.29¥714,386.83
91¥6,059.80¥2,381.29¥3,678.51¥710,708.32
92¥6,059.80¥2,369.03¥3,690.78¥707,017.54
93¥6,059.80¥2,356.73¥3,703.08¥703,314.47
94¥6,059.80¥2,344.38¥3,715.42¥699,599.04
95¥6,059.80¥2,332.00¥3,727.81¥695,871.24
96¥6,059.80¥2,319.57¥3,740.23¥692,131.00
97¥6,059.80¥2,307.10¥3,752.70¥688,378.30
98¥6,059.80¥2,294.59¥3,765.21¥684,613.10
99¥6,059.80¥2,282.04¥3,777.76¥680,835.34
100¥6,059.80¥2,269.45¥3,790.35¥677,044.98
101¥6,059.80¥2,256.82¥3,802.99¥673,242.00
102¥6,059.80¥2,244.14¥3,815.66¥669,426.33
103¥6,059.80¥2,231.42¥3,828.38¥665,597.95
104¥6,059.80¥2,218.66¥3,841.14¥661,756.81
105¥6,059.80¥2,205.86¥3,853.95¥657,902.86
106¥6,059.80¥2,193.01¥3,866.79¥654,036.07
107¥6,059.80¥2,180.12¥3,879.68¥650,156.38
108¥6,059.80¥2,167.19¥3,892.62¥646,263.77
109¥6,059.80¥2,154.21¥3,905.59¥642,358.18
110¥6,059.80¥2,141.19¥3,918.61¥638,439.57
111¥6,059.80¥2,128.13¥3,931.67¥634,507.90
112¥6,059.80¥2,115.03¥3,944.78¥630,563.12
113¥6,059.80¥2,101.88¥3,957.93¥626,605.19
114¥6,059.80¥2,088.68¥3,971.12¥622,634.07
115¥6,059.80¥2,075.45¥3,984.36¥618,649.72
116¥6,059.80¥2,062.17¥3,997.64¥614,652.08
117¥6,059.80¥2,048.84¥4,010.96¥610,641.12
118¥6,059.80¥2,035.47¥4,024.33¥606,616.78
119¥6,059.80¥2,022.06¥4,037.75¥602,579.04
120¥6,059.80¥2,008.60¥4,051.21¥598,527.83
121¥6,059.80¥1,995.09¥4,064.71¥594,463.12
122¥6,059.80¥1,981.54¥4,078.26¥590,384.86
123¥6,059.80¥1,967.95¥4,091.85¥586,293.01
124¥6,059.80¥1,954.31¥4,105.49¥582,187.51
125¥6,059.80¥1,940.63¥4,119.18¥578,068.34
126¥6,059.80¥1,926.89¥4,132.91¥573,935.43
127¥6,059.80¥1,913.12¥4,146.69¥569,788.74
128¥6,059.80¥1,899.30¥4,160.51¥565,628.23
129¥6,059.80¥1,885.43¥4,174.38¥561,453.86
130¥6,059.80¥1,871.51¥4,188.29¥557,265.57
131¥6,059.80¥1,857.55¥4,202.25¥553,063.32
132¥6,059.80¥1,843.54¥4,216.26¥548,847.06
133¥6,059.80¥1,829.49¥4,230.31¥544,616.74
134¥6,059.80¥1,815.39¥4,244.41¥540,372.33
135¥6,059.80¥1,801.24¥4,258.56¥536,113.77
136¥6,059.80¥1,787.05¥4,272.76¥531,841.01
137¥6,059.80¥1,772.80¥4,287.00¥527,554.01
138¥6,059.80¥1,758.51¥4,301.29¥523,252.72
139¥6,059.80¥1,744.18¥4,315.63¥518,937.09
140¥6,059.80¥1,729.79¥4,330.01¥514,607.08
141¥6,059.80¥1,715.36¥4,344.45¥510,262.63
142¥6,059.80¥1,700.88¥4,358.93¥505,903.71
143¥6,059.80¥1,686.35¥4,373.46¥501,530.25
144¥6,059.80¥1,671.77¥4,388.04¥497,142.21
145¥6,059.80¥1,657.14¥4,402.66¥492,739.55
146¥6,059.80¥1,642.47¥4,417.34¥488,322.21
147¥6,059.80¥1,627.74¥4,432.06¥483,890.15
148¥6,059.80¥1,612.97¥4,446.84¥479,443.31
149¥6,059.80¥1,598.14¥4,461.66¥474,981.65
150¥6,059.80¥1,583.27¥4,476.53¥470,505.12
151¥6,059.80¥1,568.35¥4,491.45¥466,013.67
152¥6,059.80¥1,553.38¥4,506.42¥461,507.25
153¥6,059.80¥1,538.36¥4,521.45¥456,985.80
154¥6,059.80¥1,523.29¥4,536.52¥452,449.28
155¥6,059.80¥1,508.16¥4,551.64¥447,897.64
156¥6,059.80¥1,492.99¥4,566.81¥443,330.83
157¥6,059.80¥1,477.77¥4,582.03¥438,748.80
158¥6,059.80¥1,462.50¥4,597.31¥434,151.49
159¥6,059.80¥1,447.17¥4,612.63¥429,538.86
160¥6,059.80¥1,431.80¥4,628.01¥424,910.85
161¥6,059.80¥1,416.37¥4,643.43¥420,267.42
162¥6,059.80¥1,400.89¥4,658.91¥415,608.51
163¥6,059.80¥1,385.36¥4,674.44¥410,934.07
164¥6,059.80¥1,369.78¥4,690.02¥406,244.04
165¥6,059.80¥1,354.15¥4,705.66¥401,538.39
166¥6,059.80¥1,338.46¥4,721.34¥396,817.04
167¥6,059.80¥1,322.72¥4,737.08¥392,079.96
168¥6,059.80¥1,306.93¥4,752.87¥387,327.09
169¥6,059.80¥1,291.09¥4,768.71¥382,558.38
170¥6,059.80¥1,275.19¥4,784.61¥377,773.77
171¥6,059.80¥1,259.25¥4,800.56¥372,973.21
172¥6,059.80¥1,243.24¥4,816.56¥368,156.66
173¥6,059.80¥1,227.19¥4,832.61¥363,324.04
174¥6,059.80¥1,211.08¥4,848.72¥358,475.32
175¥6,059.80¥1,194.92¥4,864.89¥353,610.43
176¥6,059.80¥1,178.70¥4,881.10¥348,729.33
177¥6,059.80¥1,162.43¥4,897.37¥343,831.96
178¥6,059.80¥1,146.11¥4,913.70¥338,918.26
179¥6,059.80¥1,129.73¥4,930.08¥333,988.19
180¥6,059.80¥1,113.29¥4,946.51¥329,041.68
181¥6,059.80¥1,096.81¥4,963.00¥324,078.68
182¥6,059.80¥1,080.26¥4,979.54¥319,099.14
183¥6,059.80¥1,063.66¥4,996.14¥314,103.00
184¥6,059.80¥1,047.01¥5,012.79¥309,090.21
185¥6,059.80¥1,030.30¥5,029.50¥304,060.70
186¥6,059.80¥1,013.54¥5,046.27¥299,014.43
187¥6,059.80¥996.71¥5,063.09¥293,951.35
188¥6,059.80¥979.84¥5,079.97¥288,871.38
189¥6,059.80¥962.90¥5,096.90¥283,774.48
190¥6,059.80¥945.91¥5,113.89¥278,660.59
191¥6,059.80¥928.87¥5,130.93¥273,529.66
192¥6,059.80¥911.77¥5,148.04¥268,381.62
193¥6,059.80¥894.61¥5,165.20¥263,216.42
194¥6,059.80¥877.39¥5,182.42¥258,034.01
195¥6,059.80¥860.11¥5,199.69¥252,834.32
196¥6,059.80¥842.78¥5,217.02¥247,617.30
197¥6,059.80¥825.39¥5,234.41¥242,382.88
198¥6,059.80¥807.94¥5,251.86¥237,131.02
199¥6,059.80¥790.44¥5,269.37¥231,861.66
200¥6,059.80¥772.87¥5,286.93¥226,574.73
201¥6,059.80¥755.25¥5,304.55¥221,270.17
202¥6,059.80¥737.57¥5,322.24¥215,947.94
203¥6,059.80¥719.83¥5,339.98¥210,607.96
204¥6,059.80¥702.03¥5,357.78¥205,250.18
205¥6,059.80¥684.17¥5,375.64¥199,874.55
206¥6,059.80¥666.25¥5,393.55¥194,480.99
207¥6,059.80¥648.27¥5,411.53¥189,069.46
208¥6,059.80¥630.23¥5,429.57¥183,639.89
209¥6,059.80¥612.13¥5,447.67¥178,192.22
210¥6,059.80¥593.97¥5,465.83¥172,726.39
211¥6,059.80¥575.75¥5,484.05¥167,242.34
212¥6,059.80¥557.47¥5,502.33¥161,740.01
213¥6,059.80¥539.13¥5,520.67¥156,219.34
214¥6,059.80¥520.73¥5,539.07¥150,680.27
215¥6,059.80¥502.27¥5,557.54¥145,122.73
216¥6,059.80¥483.74¥5,576.06¥139,546.67
217¥6,059.80¥465.16¥5,594.65¥133,952.02
218¥6,059.80¥446.51¥5,613.30¥128,338.73
219¥6,059.80¥427.80¥5,632.01¥122,706.72
220¥6,059.80¥409.02¥5,650.78¥117,055.94
221¥6,059.80¥390.19¥5,669.62¥111,386.32
222¥6,059.80¥371.29¥5,688.52¥105,697.81
223¥6,059.80¥352.33¥5,707.48¥99,990.33
224¥6,059.80¥333.30¥5,726.50¥94,263.83
225¥6,059.80¥314.21¥5,745.59¥88,518.24
226¥6,059.80¥295.06¥5,764.74¥82,753.49
227¥6,059.80¥275.84¥5,783.96¥76,969.53
228¥6,059.80¥256.57¥5,803.24¥71,166.30
229¥6,059.80¥237.22¥5,822.58¥65,343.71
230¥6,059.80¥217.81¥5,841.99¥59,501.72
231¥6,059.80¥198.34¥5,861.46¥53,640.26
232¥6,059.80¥178.80¥5,881.00¥47,759.26
233¥6,059.80¥159.20¥5,900.61¥41,858.65
234¥6,059.80¥139.53¥5,920.27¥35,938.38
235¥6,059.80¥119.79¥5,940.01¥29,998.37
236¥6,059.80¥99.99¥5,959.81¥24,038.56
237¥6,059.80¥80.13¥5,979.67¥18,058.88
238¥6,059.80¥60.20¥5,999.61¥12,059.28
239¥6,059.80¥40.20¥6,019.61¥6,039.67
240¥6,059.80¥20.13¥6,039.67¥0.00
¥7,500.00
等额本金 / 首月还款金额

贷款类型:等额本金

利息总额:¥401,666.67

还款总额:¥1,401,666.67

期数每月还款偿还利息偿还本金剩余本金
1¥7,500.00¥3,333.33¥4,166.67¥995,833.33
2¥7,486.11¥3,319.44¥4,166.67¥991,666.67
3¥7,472.22¥3,305.56¥4,166.67¥987,500.00
4¥7,458.33¥3,291.67¥4,166.67¥983,333.33
5¥7,444.44¥3,277.78¥4,166.67¥979,166.67
6¥7,430.56¥3,263.89¥4,166.67¥975,000.00
7¥7,416.67¥3,250.00¥4,166.67¥970,833.33
8¥7,402.78¥3,236.11¥4,166.67¥966,666.67
9¥7,388.89¥3,222.22¥4,166.67¥962,500.00
10¥7,375.00¥3,208.33¥4,166.67¥958,333.33
11¥7,361.11¥3,194.44¥4,166.67¥954,166.67
12¥7,347.22¥3,180.56¥4,166.67¥950,000.00
13¥7,333.33¥3,166.67¥4,166.67¥945,833.33
14¥7,319.44¥3,152.78¥4,166.67¥941,666.67
15¥7,305.56¥3,138.89¥4,166.67¥937,500.00
16¥7,291.67¥3,125.00¥4,166.67¥933,333.33
17¥7,277.78¥3,111.11¥4,166.67¥929,166.67
18¥7,263.89¥3,097.22¥4,166.67¥925,000.00
19¥7,250.00¥3,083.33¥4,166.67¥920,833.33
20¥7,236.11¥3,069.44¥4,166.67¥916,666.67
21¥7,222.22¥3,055.56¥4,166.67¥912,500.00
22¥7,208.33¥3,041.67¥4,166.67¥908,333.33
23¥7,194.44¥3,027.78¥4,166.67¥904,166.67
24¥7,180.56¥3,013.89¥4,166.67¥900,000.00
25¥7,166.67¥3,000.00¥4,166.67¥895,833.33
26¥7,152.78¥2,986.11¥4,166.67¥891,666.67
27¥7,138.89¥2,972.22¥4,166.67¥887,500.00
28¥7,125.00¥2,958.33¥4,166.67¥883,333.33
29¥7,111.11¥2,944.44¥4,166.67¥879,166.67
30¥7,097.22¥2,930.56¥4,166.67¥875,000.00
31¥7,083.33¥2,916.67¥4,166.67¥870,833.33
32¥7,069.44¥2,902.78¥4,166.67¥866,666.67
33¥7,055.56¥2,888.89¥4,166.67¥862,500.00
34¥7,041.67¥2,875.00¥4,166.67¥858,333.33
35¥7,027.78¥2,861.11¥4,166.67¥854,166.67
36¥7,013.89¥2,847.22¥4,166.67¥850,000.00
37¥7,000.00¥2,833.33¥4,166.67¥845,833.33
38¥6,986.11¥2,819.44¥4,166.67¥841,666.67
39¥6,972.22¥2,805.56¥4,166.67¥837,500.00
40¥6,958.33¥2,791.67¥4,166.67¥833,333.33
41¥6,944.44¥2,777.78¥4,166.67¥829,166.67
42¥6,930.56¥2,763.89¥4,166.67¥825,000.00
43¥6,916.67¥2,750.00¥4,166.67¥820,833.33
44¥6,902.78¥2,736.11¥4,166.67¥816,666.67
45¥6,888.89¥2,722.22¥4,166.67¥812,500.00
46¥6,875.00¥2,708.33¥4,166.67¥808,333.33
47¥6,861.11¥2,694.44¥4,166.67¥804,166.67
48¥6,847.22¥2,680.56¥4,166.67¥800,000.00
49¥6,833.33¥2,666.67¥4,166.67¥795,833.33
50¥6,819.44¥2,652.78¥4,166.67¥791,666.67
51¥6,805.56¥2,638.89¥4,166.67¥787,500.00
52¥6,791.67¥2,625.00¥4,166.67¥783,333.33
53¥6,777.78¥2,611.11¥4,166.67¥779,166.67
54¥6,763.89¥2,597.22¥4,166.67¥775,000.00
55¥6,750.00¥2,583.33¥4,166.67¥770,833.33
56¥6,736.11¥2,569.44¥4,166.67¥766,666.67
57¥6,722.22¥2,555.56¥4,166.67¥762,500.00
58¥6,708.33¥2,541.67¥4,166.67¥758,333.33
59¥6,694.44¥2,527.78¥4,166.67¥754,166.67
60¥6,680.56¥2,513.89¥4,166.67¥750,000.00
61¥6,666.67¥2,500.00¥4,166.67¥745,833.33
62¥6,652.78¥2,486.11¥4,166.67¥741,666.67
63¥6,638.89¥2,472.22¥4,166.67¥737,500.00
64¥6,625.00¥2,458.33¥4,166.67¥733,333.33
65¥6,611.11¥2,444.44¥4,166.67¥729,166.67
66¥6,597.22¥2,430.56¥4,166.67¥725,000.00
67¥6,583.33¥2,416.67¥4,166.67¥720,833.33
68¥6,569.44¥2,402.78¥4,166.67¥716,666.67
69¥6,555.56¥2,388.89¥4,166.67¥712,500.00
70¥6,541.67¥2,375.00¥4,166.67¥708,333.33
71¥6,527.78¥2,361.11¥4,166.67¥704,166.67
72¥6,513.89¥2,347.22¥4,166.67¥700,000.00
73¥6,500.00¥2,333.33¥4,166.67¥695,833.33
74¥6,486.11¥2,319.44¥4,166.67¥691,666.67
75¥6,472.22¥2,305.56¥4,166.67¥687,500.00
76¥6,458.33¥2,291.67¥4,166.67¥683,333.33
77¥6,444.44¥2,277.78¥4,166.67¥679,166.67
78¥6,430.56¥2,263.89¥4,166.67¥675,000.00
79¥6,416.67¥2,250.00¥4,166.67¥670,833.33
80¥6,402.78¥2,236.11¥4,166.67¥666,666.67
81¥6,388.89¥2,222.22¥4,166.67¥662,500.00
82¥6,375.00¥2,208.33¥4,166.67¥658,333.33
83¥6,361.11¥2,194.44¥4,166.67¥654,166.67
84¥6,347.22¥2,180.56¥4,166.67¥650,000.00
85¥6,333.33¥2,166.67¥4,166.67¥645,833.33
86¥6,319.44¥2,152.78¥4,166.67¥641,666.67
87¥6,305.56¥2,138.89¥4,166.67¥637,500.00
88¥6,291.67¥2,125.00¥4,166.67¥633,333.33
89¥6,277.78¥2,111.11¥4,166.67¥629,166.67
90¥6,263.89¥2,097.22¥4,166.67¥625,000.00
91¥6,250.00¥2,083.33¥4,166.67¥620,833.33
92¥6,236.11¥2,069.44¥4,166.67¥616,666.67
93¥6,222.22¥2,055.56¥4,166.67¥612,500.00
94¥6,208.33¥2,041.67¥4,166.67¥608,333.33
95¥6,194.44¥2,027.78¥4,166.67¥604,166.67
96¥6,180.56¥2,013.89¥4,166.67¥600,000.00
97¥6,166.67¥2,000.00¥4,166.67¥595,833.33
98¥6,152.78¥1,986.11¥4,166.67¥591,666.67
99¥6,138.89¥1,972.22¥4,166.67¥587,500.00
100¥6,125.00¥1,958.33¥4,166.67¥583,333.33
101¥6,111.11¥1,944.44¥4,166.67¥579,166.67
102¥6,097.22¥1,930.56¥4,166.67¥575,000.00
103¥6,083.33¥1,916.67¥4,166.67¥570,833.33
104¥6,069.44¥1,902.78¥4,166.67¥566,666.67
105¥6,055.56¥1,888.89¥4,166.67¥562,500.00
106¥6,041.67¥1,875.00¥4,166.67¥558,333.33
107¥6,027.78¥1,861.11¥4,166.67¥554,166.67
108¥6,013.89¥1,847.22¥4,166.67¥550,000.00
109¥6,000.00¥1,833.33¥4,166.67¥545,833.33
110¥5,986.11¥1,819.44¥4,166.67¥541,666.67
111¥5,972.22¥1,805.56¥4,166.67¥537,500.00
112¥5,958.33¥1,791.67¥4,166.67¥533,333.33
113¥5,944.44¥1,777.78¥4,166.67¥529,166.67
114¥5,930.56¥1,763.89¥4,166.67¥525,000.00
115¥5,916.67¥1,750.00¥4,166.67¥520,833.33
116¥5,902.78¥1,736.11¥4,166.67¥516,666.67
117¥5,888.89¥1,722.22¥4,166.67¥512,500.00
118¥5,875.00¥1,708.33¥4,166.67¥508,333.33
119¥5,861.11¥1,694.44¥4,166.67¥504,166.67
120¥5,847.22¥1,680.56¥4,166.67¥500,000.00
121¥5,833.33¥1,666.67¥4,166.67¥495,833.33
122¥5,819.44¥1,652.78¥4,166.67¥491,666.67
123¥5,805.56¥1,638.89¥4,166.67¥487,500.00
124¥5,791.67¥1,625.00¥4,166.67¥483,333.33
125¥5,777.78¥1,611.11¥4,166.67¥479,166.67
126¥5,763.89¥1,597.22¥4,166.67¥475,000.00
127¥5,750.00¥1,583.33¥4,166.67¥470,833.33
128¥5,736.11¥1,569.44¥4,166.67¥466,666.67
129¥5,722.22¥1,555.56¥4,166.67¥462,500.00
130¥5,708.33¥1,541.67¥4,166.67¥458,333.33
131¥5,694.44¥1,527.78¥4,166.67¥454,166.67
132¥5,680.56¥1,513.89¥4,166.67¥450,000.00
133¥5,666.67¥1,500.00¥4,166.67¥445,833.33
134¥5,652.78¥1,486.11¥4,166.67¥441,666.67
135¥5,638.89¥1,472.22¥4,166.67¥437,500.00
136¥5,625.00¥1,458.33¥4,166.67¥433,333.33
137¥5,611.11¥1,444.44¥4,166.67¥429,166.67
138¥5,597.22¥1,430.56¥4,166.67¥425,000.00
139¥5,583.33¥1,416.67¥4,166.67¥420,833.33
140¥5,569.44¥1,402.78¥4,166.67¥416,666.67
141¥5,555.56¥1,388.89¥4,166.67¥412,500.00
142¥5,541.67¥1,375.00¥4,166.67¥408,333.33
143¥5,527.78¥1,361.11¥4,166.67¥404,166.67
144¥5,513.89¥1,347.22¥4,166.67¥400,000.00
145¥5,500.00¥1,333.33¥4,166.67¥395,833.33
146¥5,486.11¥1,319.44¥4,166.67¥391,666.67
147¥5,472.22¥1,305.56¥4,166.67¥387,500.00
148¥5,458.33¥1,291.67¥4,166.67¥383,333.33
149¥5,444.44¥1,277.78¥4,166.67¥379,166.67
150¥5,430.56¥1,263.89¥4,166.67¥375,000.00
151¥5,416.67¥1,250.00¥4,166.67¥370,833.33
152¥5,402.78¥1,236.11¥4,166.67¥366,666.67
153¥5,388.89¥1,222.22¥4,166.67¥362,500.00
154¥5,375.00¥1,208.33¥4,166.67¥358,333.33
155¥5,361.11¥1,194.44¥4,166.67¥354,166.67
156¥5,347.22¥1,180.56¥4,166.67¥350,000.00
157¥5,333.33¥1,166.67¥4,166.67¥345,833.33
158¥5,319.44¥1,152.78¥4,166.67¥341,666.67
159¥5,305.56¥1,138.89¥4,166.67¥337,500.00
160¥5,291.67¥1,125.00¥4,166.67¥333,333.33
161¥5,277.78¥1,111.11¥4,166.67¥329,166.67
162¥5,263.89¥1,097.22¥4,166.67¥325,000.00
163¥5,250.00¥1,083.33¥4,166.67¥320,833.33
164¥5,236.11¥1,069.44¥4,166.67¥316,666.67
165¥5,222.22¥1,055.56¥4,166.67¥312,500.00
166¥5,208.33¥1,041.67¥4,166.67¥308,333.33
167¥5,194.44¥1,027.78¥4,166.67¥304,166.67
168¥5,180.56¥1,013.89¥4,166.67¥300,000.00
169¥5,166.67¥1,000.00¥4,166.67¥295,833.33
170¥5,152.78¥986.11¥4,166.67¥291,666.67
171¥5,138.89¥972.22¥4,166.67¥287,500.00
172¥5,125.00¥958.33¥4,166.67¥283,333.33
173¥5,111.11¥944.44¥4,166.67¥279,166.67
174¥5,097.22¥930.56¥4,166.67¥275,000.00
175¥5,083.33¥916.67¥4,166.67¥270,833.33
176¥5,069.44¥902.78¥4,166.67¥266,666.67
177¥5,055.56¥888.89¥4,166.67¥262,500.00
178¥5,041.67¥875.00¥4,166.67¥258,333.33
179¥5,027.78¥861.11¥4,166.67¥254,166.67
180¥5,013.89¥847.22¥4,166.67¥250,000.00
181¥5,000.00¥833.33¥4,166.67¥245,833.33
182¥4,986.11¥819.44¥4,166.67¥241,666.67
183¥4,972.22¥805.56¥4,166.67¥237,500.00
184¥4,958.33¥791.67¥4,166.67¥233,333.33
185¥4,944.44¥777.78¥4,166.67¥229,166.67
186¥4,930.56¥763.89¥4,166.67¥225,000.00
187¥4,916.67¥750.00¥4,166.67¥220,833.33
188¥4,902.78¥736.11¥4,166.67¥216,666.67
189¥4,888.89¥722.22¥4,166.67¥212,500.00
190¥4,875.00¥708.33¥4,166.67¥208,333.33
191¥4,861.11¥694.44¥4,166.67¥204,166.67
192¥4,847.22¥680.56¥4,166.67¥200,000.00
193¥4,833.33¥666.67¥4,166.67¥195,833.33
194¥4,819.44¥652.78¥4,166.67¥191,666.67
195¥4,805.56¥638.89¥4,166.67¥187,500.00
196¥4,791.67¥625.00¥4,166.67¥183,333.33
197¥4,777.78¥611.11¥4,166.67¥179,166.67
198¥4,763.89¥597.22¥4,166.67¥175,000.00
199¥4,750.00¥583.33¥4,166.67¥170,833.33
200¥4,736.11¥569.44¥4,166.67¥166,666.67
201¥4,722.22¥555.56¥4,166.67¥162,500.00
202¥4,708.33¥541.67¥4,166.67¥158,333.33
203¥4,694.44¥527.78¥4,166.67¥154,166.67
204¥4,680.56¥513.89¥4,166.67¥150,000.00
205¥4,666.67¥500.00¥4,166.67¥145,833.33
206¥4,652.78¥486.11¥4,166.67¥141,666.67
207¥4,638.89¥472.22¥4,166.67¥137,500.00
208¥4,625.00¥458.33¥4,166.67¥133,333.33
209¥4,611.11¥444.44¥4,166.67¥129,166.67
210¥4,597.22¥430.56¥4,166.67¥125,000.00
211¥4,583.33¥416.67¥4,166.67¥120,833.33
212¥4,569.44¥402.78¥4,166.67¥116,666.67
213¥4,555.56¥388.89¥4,166.67¥112,500.00
214¥4,541.67¥375.00¥4,166.67¥108,333.33
215¥4,527.78¥361.11¥4,166.67¥104,166.67
216¥4,513.89¥347.22¥4,166.67¥100,000.00
217¥4,500.00¥333.33¥4,166.67¥95,833.33
218¥4,486.11¥319.44¥4,166.67¥91,666.67
219¥4,472.22¥305.56¥4,166.67¥87,500.00
220¥4,458.33¥291.67¥4,166.67¥83,333.33
221¥4,444.44¥277.78¥4,166.67¥79,166.67
222¥4,430.56¥263.89¥4,166.67¥75,000.00
223¥4,416.67¥250.00¥4,166.67¥70,833.33
224¥4,402.78¥236.11¥4,166.67¥66,666.67
225¥4,388.89¥222.22¥4,166.67¥62,500.00
226¥4,375.00¥208.33¥4,166.67¥58,333.33
227¥4,361.11¥194.44¥4,166.67¥54,166.67
228¥4,347.22¥180.56¥4,166.67¥50,000.00
229¥4,333.33¥166.67¥4,166.67¥45,833.33
230¥4,319.44¥152.78¥4,166.67¥41,666.67
231¥4,305.56¥138.89¥4,166.67¥37,500.00
232¥4,291.67¥125.00¥4,166.67¥33,333.33
233¥4,277.78¥111.11¥4,166.67¥29,166.67
234¥4,263.89¥97.22¥4,166.67¥25,000.00
235¥4,250.00¥83.33¥4,166.67¥20,833.33
236¥4,236.11¥69.44¥4,166.67¥16,666.67
237¥4,222.22¥55.56¥4,166.67¥12,500.00
238¥4,208.33¥41.67¥4,166.67¥8,333.33
239¥4,194.44¥27.78¥4,166.67¥4,166.67
240¥4,180.56¥13.89¥4,166.67¥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。