2025贷款计算器 - 最新利率比较/试算


1	¥15,186.77	¥5,000.00	¥10,186.77	¥1,489,813.23
2	¥15,186.77	¥4,966.04	¥10,220.73	¥1,479,592.50
3	¥15,186.77	¥4,931.98	¥10,254.80	¥1,469,337.71
4	¥15,186.77	¥4,897.79	¥10,288.98	¥1,459,048.73
5	¥15,186.77	¥4,863.50	¥10,323.27	¥1,448,725.45
6	¥15,186.77	¥4,829.08	¥10,357.69	¥1,438,367.77
7	¥15,186.77	¥4,794.56	¥10,392.21	¥1,427,975.56
8	¥15,186.77	¥4,759.92	¥10,426.85	¥1,417,548.70
9	¥15,186.77	¥4,725.16	¥10,461.61	¥1,407,087.10
10	¥15,186.77	¥4,690.29	¥10,496.48	¥1,396,590.62
11	¥15,186.77	¥4,655.30	¥10,531.47	¥1,386,059.15
12	¥15,186.77	¥4,620.20	¥10,566.57	¥1,375,492.57
13	¥15,186.77	¥4,584.98	¥10,601.80	¥1,364,890.78
14	¥15,186.77	¥4,549.64	¥10,637.13	¥1,354,253.64
15	¥15,186.77	¥4,514.18	¥10,672.59	¥1,343,581.05
16	¥15,186.77	¥4,478.60	¥10,708.17	¥1,332,872.88
17	¥15,186.77	¥4,442.91	¥10,743.86	¥1,322,129.02
18	¥15,186.77	¥4,407.10	¥10,779.67	¥1,311,349.35
19	¥15,186.77	¥4,371.16	¥10,815.61	¥1,300,533.74
20	¥15,186.77	¥4,335.11	¥10,851.66	¥1,289,682.08
21	¥15,186.77	¥4,298.94	¥10,887.83	¥1,278,794.25
22	¥15,186.77	¥4,262.65	¥10,924.12	¥1,267,870.13
23	¥15,186.77	¥4,226.23	¥10,960.54	¥1,256,909.59
24	¥15,186.77	¥4,189.70	¥10,997.07	¥1,245,912.52
25	¥15,186.77	¥4,153.04	¥11,033.73	¥1,234,878.79
26	¥15,186.77	¥4,116.26	¥11,070.51	¥1,223,808.28
27	¥15,186.77	¥4,079.36	¥11,107.41	¥1,212,700.87
28	¥15,186.77	¥4,042.34	¥11,144.43	¥1,201,556.44
29	¥15,186.77	¥4,005.19	¥11,181.58	¥1,190,374.86
30	¥15,186.77	¥3,967.92	¥11,218.85	¥1,179,156.00
31	¥15,186.77	¥3,930.52	¥11,256.25	¥1,167,899.75
32	¥15,186.77	¥3,893.00	¥11,293.77	¥1,156,605.98
33	¥15,186.77	¥3,855.35	¥11,331.42	¥1,145,274.56
34	¥15,186.77	¥3,817.58	¥11,369.19	¥1,133,905.37
35	¥15,186.77	¥3,779.68	¥11,407.09	¥1,122,498.29
36	¥15,186.77	¥3,741.66	¥11,445.11	¥1,111,053.18
37	¥15,186.77	¥3,703.51	¥11,483.26	¥1,099,569.92
38	¥15,186.77	¥3,665.23	¥11,521.54	¥1,088,048.38
39	¥15,186.77	¥3,626.83	¥11,559.94	¥1,076,488.44
40	¥15,186.77	¥3,588.29	¥11,598.48	¥1,064,889.96
41	¥15,186.77	¥3,549.63	¥11,637.14	¥1,053,252.82
42	¥15,186.77	¥3,510.84	¥11,675.93	¥1,041,576.90
43	¥15,186.77	¥3,471.92	¥11,714.85	¥1,029,862.05
44	¥15,186.77	¥3,432.87	¥11,753.90	¥1,018,108.15
45	¥15,186.77	¥3,393.69	¥11,793.08	¥1,006,315.07
46	¥15,186.77	¥3,354.38	¥11,832.39	¥994,482.69
47	¥15,186.77	¥3,314.94	¥11,871.83	¥982,610.86
48	¥15,186.77	¥3,275.37	¥11,911.40	¥970,699.46
49	¥15,186.77	¥3,235.66	¥11,951.11	¥958,748.35
50	¥15,186.77	¥3,195.83	¥11,990.94	¥946,757.41
51	¥15,186.77	¥3,155.86	¥12,030.91	¥934,726.50
52	¥15,186.77	¥3,115.75	¥12,071.02	¥922,655.48
53	¥15,186.77	¥3,075.52	¥12,111.25	¥910,544.23
54	¥15,186.77	¥3,035.15	¥12,151.62	¥898,392.60
55	¥15,186.77	¥2,994.64	¥12,192.13	¥886,200.48
56	¥15,186.77	¥2,954.00	¥12,232.77	¥873,967.71
57	¥15,186.77	¥2,913.23	¥12,273.55	¥861,694.16
58	¥15,186.77	¥2,872.31	¥12,314.46	¥849,379.71
59	¥15,186.77	¥2,831.27	¥12,355.51	¥837,024.20
60	¥15,186.77	¥2,790.08	¥12,396.69	¥824,627.51
61	¥15,186.77	¥2,748.76	¥12,438.01	¥812,189.50
62	¥15,186.77	¥2,707.30	¥12,479.47	¥799,710.03
63	¥15,186.77	¥2,665.70	¥12,521.07	¥787,188.95
64	¥15,186.77	¥2,623.96	¥12,562.81	¥774,626.15
65	¥15,186.77	¥2,582.09	¥12,604.68	¥762,021.46
66	¥15,186.77	¥2,540.07	¥12,646.70	¥749,374.76
67	¥15,186.77	¥2,497.92	¥12,688.85	¥736,685.91
68	¥15,186.77	¥2,455.62	¥12,731.15	¥723,954.76
69	¥15,186.77	¥2,413.18	¥12,773.59	¥711,181.17
70	¥15,186.77	¥2,370.60	¥12,816.17	¥698,365.00
71	¥15,186.77	¥2,327.88	¥12,858.89	¥685,506.12
72	¥15,186.77	¥2,285.02	¥12,901.75	¥672,604.37
73	¥15,186.77	¥2,242.01	¥12,944.76	¥659,659.61
74	¥15,186.77	¥2,198.87	¥12,987.91	¥646,671.70
75	¥15,186.77	¥2,155.57	¥13,031.20	¥633,640.51
76	¥15,186.77	¥2,112.14	¥13,074.64	¥620,565.87
77	¥15,186.77	¥2,068.55	¥13,118.22	¥607,447.65
78	¥15,186.77	¥2,024.83	¥13,161.95	¥594,285.71
79	¥15,186.77	¥1,980.95	¥13,205.82	¥581,079.89
80	¥15,186.77	¥1,936.93	¥13,249.84	¥567,830.05
81	¥15,186.77	¥1,892.77	¥13,294.00	¥554,536.05
82	¥15,186.77	¥1,848.45	¥13,338.32	¥541,197.73
83	¥15,186.77	¥1,803.99	¥13,382.78	¥527,814.95
84	¥15,186.77	¥1,759.38	¥13,427.39	¥514,387.56
85	¥15,186.77	¥1,714.63	¥13,472.15	¥500,915.42
86	¥15,186.77	¥1,669.72	¥13,517.05	¥487,398.37
87	¥15,186.77	¥1,624.66	¥13,562.11	¥473,836.26
88	¥15,186.77	¥1,579.45	¥13,607.32	¥460,228.94
89	¥15,186.77	¥1,534.10	¥13,652.67	¥446,576.27
90	¥15,186.77	¥1,488.59	¥13,698.18	¥432,878.08
91	¥15,186.77	¥1,442.93	¥13,743.84	¥419,134.24
92	¥15,186.77	¥1,397.11	¥13,789.66	¥405,344.58
93	¥15,186.77	¥1,351.15	¥13,835.62	¥391,508.96
94	¥15,186.77	¥1,305.03	¥13,881.74	¥377,627.22
95	¥15,186.77	¥1,258.76	¥13,928.01	¥363,699.21
96	¥15,186.77	¥1,212.33	¥13,974.44	¥349,724.77
97	¥15,186.77	¥1,165.75	¥14,021.02	¥335,703.74
98	¥15,186.77	¥1,119.01	¥14,067.76	¥321,635.99
99	¥15,186.77	¥1,072.12	¥14,114.65	¥307,521.34
100	¥15,186.77	¥1,025.07	¥14,161.70	¥293,359.64
101	¥15,186.77	¥977.87	¥14,208.91	¥279,150.73
102	¥15,186.77	¥930.50	¥14,256.27	¥264,894.46
103	¥15,186.77	¥882.98	¥14,303.79	¥250,590.67
104	¥15,186.77	¥835.30	¥14,351.47	¥236,239.20
105	¥15,186.77	¥787.46	¥14,399.31	¥221,839.90
106	¥15,186.77	¥739.47	¥14,447.30	¥207,392.59
107	¥15,186.77	¥691.31	¥14,495.46	¥192,897.13
108	¥15,186.77	¥642.99	¥14,543.78	¥178,353.35
109	¥15,186.77	¥594.51	¥14,592.26	¥163,761.09
110	¥15,186.77	¥545.87	¥14,640.90	¥149,120.19
111	¥15,186.77	¥497.07	¥14,689.70	¥134,430.49
112	¥15,186.77	¥448.10	¥14,738.67	¥119,691.82
113	¥15,186.77	¥398.97	¥14,787.80	¥104,904.02
114	¥15,186.77	¥349.68	¥14,837.09	¥90,066.93
115	¥15,186.77	¥300.22	¥14,886.55	¥75,180.38
116	¥15,186.77	¥250.60	¥14,936.17	¥60,244.21
117	¥15,186.77	¥200.81	¥14,985.96	¥45,258.26
118	¥15,186.77	¥150.86	¥15,035.91	¥30,222.35
119	¥15,186.77	¥100.74	¥15,086.03	¥15,136.32
120	¥15,186.77	¥50.45	¥15,136.32	¥0.00

¥17,500.00

等额本金 / 首月还款金额

贷款类型：等额本金

利息总额：¥302,500.00

还款总额：¥1,802,500.00

期数	每月还款	偿还利息	偿还本金	剩余本金


1	¥17,500.00	¥5,000.00	¥12,500.00	¥1,487,500.00
2	¥17,458.33	¥4,958.33	¥12,500.00	¥1,475,000.00
3	¥17,416.67	¥4,916.67	¥12,500.00	¥1,462,500.00
4	¥17,375.00	¥4,875.00	¥12,500.00	¥1,450,000.00
5	¥17,333.33	¥4,833.33	¥12,500.00	¥1,437,500.00
6	¥17,291.67	¥4,791.67	¥12,500.00	¥1,425,000.00
7	¥17,250.00	¥4,750.00	¥12,500.00	¥1,412,500.00
8	¥17,208.33	¥4,708.33	¥12,500.00	¥1,400,000.00
9	¥17,166.67	¥4,666.67	¥12,500.00	¥1,387,500.00
10	¥17,125.00	¥4,625.00	¥12,500.00	¥1,375,000.00
11	¥17,083.33	¥4,583.33	¥12,500.00	¥1,362,500.00
12	¥17,041.67	¥4,541.67	¥12,500.00	¥1,350,000.00
13	¥17,000.00	¥4,500.00	¥12,500.00	¥1,337,500.00
14	¥16,958.33	¥4,458.33	¥12,500.00	¥1,325,000.00
15	¥16,916.67	¥4,416.67	¥12,500.00	¥1,312,500.00
16	¥16,875.00	¥4,375.00	¥12,500.00	¥1,300,000.00
17	¥16,833.33	¥4,333.33	¥12,500.00	¥1,287,500.00
18	¥16,791.67	¥4,291.67	¥12,500.00	¥1,275,000.00
19	¥16,750.00	¥4,250.00	¥12,500.00	¥1,262,500.00
20	¥16,708.33	¥4,208.33	¥12,500.00	¥1,250,000.00
21	¥16,666.67	¥4,166.67	¥12,500.00	¥1,237,500.00
22	¥16,625.00	¥4,125.00	¥12,500.00	¥1,225,000.00
23	¥16,583.33	¥4,083.33	¥12,500.00	¥1,212,500.00
24	¥16,541.67	¥4,041.67	¥12,500.00	¥1,200,000.00
25	¥16,500.00	¥4,000.00	¥12,500.00	¥1,187,500.00
26	¥16,458.33	¥3,958.33	¥12,500.00	¥1,175,000.00
27	¥16,416.67	¥3,916.67	¥12,500.00	¥1,162,500.00
28	¥16,375.00	¥3,875.00	¥12,500.00	¥1,150,000.00
29	¥16,333.33	¥3,833.33	¥12,500.00	¥1,137,500.00
30	¥16,291.67	¥3,791.67	¥12,500.00	¥1,125,000.00
31	¥16,250.00	¥3,750.00	¥12,500.00	¥1,112,500.00
32	¥16,208.33	¥3,708.33	¥12,500.00	¥1,100,000.00
33	¥16,166.67	¥3,666.67	¥12,500.00	¥1,087,500.00
34	¥16,125.00	¥3,625.00	¥12,500.00	¥1,075,000.00
35	¥16,083.33	¥3,583.33	¥12,500.00	¥1,062,500.00
36	¥16,041.67	¥3,541.67	¥12,500.00	¥1,050,000.00
37	¥16,000.00	¥3,500.00	¥12,500.00	¥1,037,500.00
38	¥15,958.33	¥3,458.33	¥12,500.00	¥1,025,000.00
39	¥15,916.67	¥3,416.67	¥12,500.00	¥1,012,500.00
40	¥15,875.00	¥3,375.00	¥12,500.00	¥1,000,000.00
41	¥15,833.33	¥3,333.33	¥12,500.00	¥987,500.00
42	¥15,791.67	¥3,291.67	¥12,500.00	¥975,000.00
43	¥15,750.00	¥3,250.00	¥12,500.00	¥962,500.00
44	¥15,708.33	¥3,208.33	¥12,500.00	¥950,000.00
45	¥15,666.67	¥3,166.67	¥12,500.00	¥937,500.00
46	¥15,625.00	¥3,125.00	¥12,500.00	¥925,000.00
47	¥15,583.33	¥3,083.33	¥12,500.00	¥912,500.00
48	¥15,541.67	¥3,041.67	¥12,500.00	¥900,000.00
49	¥15,500.00	¥3,000.00	¥12,500.00	¥887,500.00
50	¥15,458.33	¥2,958.33	¥12,500.00	¥875,000.00
51	¥15,416.67	¥2,916.67	¥12,500.00	¥862,500.00
52	¥15,375.00	¥2,875.00	¥12,500.00	¥850,000.00
53	¥15,333.33	¥2,833.33	¥12,500.00	¥837,500.00
54	¥15,291.67	¥2,791.67	¥12,500.00	¥825,000.00
55	¥15,250.00	¥2,750.00	¥12,500.00	¥812,500.00
56	¥15,208.33	¥2,708.33	¥12,500.00	¥800,000.00
57	¥15,166.67	¥2,666.67	¥12,500.00	¥787,500.00
58	¥15,125.00	¥2,625.00	¥12,500.00	¥775,000.00
59	¥15,083.33	¥2,583.33	¥12,500.00	¥762,500.00
60	¥15,041.67	¥2,541.67	¥12,500.00	¥750,000.00
61	¥15,000.00	¥2,500.00	¥12,500.00	¥737,500.00
62	¥14,958.33	¥2,458.33	¥12,500.00	¥725,000.00
63	¥14,916.67	¥2,416.67	¥12,500.00	¥712,500.00
64	¥14,875.00	¥2,375.00	¥12,500.00	¥700,000.00
65	¥14,833.33	¥2,333.33	¥12,500.00	¥687,500.00
66	¥14,791.67	¥2,291.67	¥12,500.00	¥675,000.00
67	¥14,750.00	¥2,250.00	¥12,500.00	¥662,500.00
68	¥14,708.33	¥2,208.33	¥12,500.00	¥650,000.00
69	¥14,666.67	¥2,166.67	¥12,500.00	¥637,500.00
70	¥14,625.00	¥2,125.00	¥12,500.00	¥625,000.00
71	¥14,583.33	¥2,083.33	¥12,500.00	¥612,500.00
72	¥14,541.67	¥2,041.67	¥12,500.00	¥600,000.00
73	¥14,500.00	¥2,000.00	¥12,500.00	¥587,500.00
74	¥14,458.33	¥1,958.33	¥12,500.00	¥575,000.00
75	¥14,416.67	¥1,916.67	¥12,500.00	¥562,500.00
76	¥14,375.00	¥1,875.00	¥12,500.00	¥550,000.00
77	¥14,333.33	¥1,833.33	¥12,500.00	¥537,500.00
78	¥14,291.67	¥1,791.67	¥12,500.00	¥525,000.00
79	¥14,250.00	¥1,750.00	¥12,500.00	¥512,500.00
80	¥14,208.33	¥1,708.33	¥12,500.00	¥500,000.00
81	¥14,166.67	¥1,666.67	¥12,500.00	¥487,500.00
82	¥14,125.00	¥1,625.00	¥12,500.00	¥475,000.00
83	¥14,083.33	¥1,583.33	¥12,500.00	¥462,500.00
84	¥14,041.67	¥1,541.67	¥12,500.00	¥450,000.00
85	¥14,000.00	¥1,500.00	¥12,500.00	¥437,500.00
86	¥13,958.33	¥1,458.33	¥12,500.00	¥425,000.00
87	¥13,916.67	¥1,416.67	¥12,500.00	¥412,500.00
88	¥13,875.00	¥1,375.00	¥12,500.00	¥400,000.00
89	¥13,833.33	¥1,333.33	¥12,500.00	¥387,500.00
90	¥13,791.67	¥1,291.67	¥12,500.00	¥375,000.00
91	¥13,750.00	¥1,250.00	¥12,500.00	¥362,500.00
92	¥13,708.33	¥1,208.33	¥12,500.00	¥350,000.00
93	¥13,666.67	¥1,166.67	¥12,500.00	¥337,500.00
94	¥13,625.00	¥1,125.00	¥12,500.00	¥325,000.00
95	¥13,583.33	¥1,083.33	¥12,500.00	¥312,500.00
96	¥13,541.67	¥1,041.67	¥12,500.00	¥300,000.00
97	¥13,500.00	¥1,000.00	¥12,500.00	¥287,500.00
98	¥13,458.33	¥958.33	¥12,500.00	¥275,000.00
99	¥13,416.67	¥916.67	¥12,500.00	¥262,500.00
100	¥13,375.00	¥875.00	¥12,500.00	¥250,000.00
101	¥13,333.33	¥833.33	¥12,500.00	¥237,500.00
102	¥13,291.67	¥791.67	¥12,500.00	¥225,000.00
103	¥13,250.00	¥750.00	¥12,500.00	¥212,500.00
104	¥13,208.33	¥708.33	¥12,500.00	¥200,000.00
105	¥13,166.67	¥666.67	¥12,500.00	¥187,500.00
106	¥13,125.00	¥625.00	¥12,500.00	¥175,000.00
107	¥13,083.33	¥583.33	¥12,500.00	¥162,500.00
108	¥13,041.67	¥541.67	¥12,500.00	¥150,000.00
109	¥13,000.00	¥500.00	¥12,500.00	¥137,500.00
110	¥12,958.33	¥458.33	¥12,500.00	¥125,000.00
111	¥12,916.67	¥416.67	¥12,500.00	¥112,500.00
112	¥12,875.00	¥375.00	¥12,500.00	¥100,000.00
113	¥12,833.33	¥333.33	¥12,500.00	¥87,500.00
114	¥12,791.67	¥291.67	¥12,500.00	¥75,000.00
115	¥12,750.00	¥250.00	¥12,500.00	¥62,500.00
116	¥12,708.33	¥208.33	¥12,500.00	¥50,000.00
117	¥12,666.67	¥166.67	¥12,500.00	¥37,500.00
118	¥12,625.00	¥125.00	¥12,500.00	¥25,000.00
119	¥12,583.33	¥83.33	¥12,500.00	¥12,500.00
120	¥12,541.67	¥41.67	¥12,500.00	¥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。