2025贷款计算器 - 最新利率比较/试算


1	¥20,249.03	¥6,666.67	¥13,582.36	¥1,986,417.64
2	¥20,249.03	¥6,621.39	¥13,627.64	¥1,972,790.00
3	¥20,249.03	¥6,575.97	¥13,673.06	¥1,959,116.94
4	¥20,249.03	¥6,530.39	¥13,718.64	¥1,945,398.30
5	¥20,249.03	¥6,484.66	¥13,764.37	¥1,931,633.94
6	¥20,249.03	¥6,438.78	¥13,810.25	¥1,917,823.69
7	¥20,249.03	¥6,392.75	¥13,856.28	¥1,903,967.41
8	¥20,249.03	¥6,346.56	¥13,902.47	¥1,890,064.94
9	¥20,249.03	¥6,300.22	¥13,948.81	¥1,876,116.13
10	¥20,249.03	¥6,253.72	¥13,995.31	¥1,862,120.82
11	¥20,249.03	¥6,207.07	¥14,041.96	¥1,848,078.86
12	¥20,249.03	¥6,160.26	¥14,088.76	¥1,833,990.10
13	¥20,249.03	¥6,113.30	¥14,135.73	¥1,819,854.37
14	¥20,249.03	¥6,066.18	¥14,182.85	¥1,805,671.52
15	¥20,249.03	¥6,018.91	¥14,230.12	¥1,791,441.40
16	¥20,249.03	¥5,971.47	¥14,277.56	¥1,777,163.84
17	¥20,249.03	¥5,923.88	¥14,325.15	¥1,762,838.70
18	¥20,249.03	¥5,876.13	¥14,372.90	¥1,748,465.80
19	¥20,249.03	¥5,828.22	¥14,420.81	¥1,734,044.99
20	¥20,249.03	¥5,780.15	¥14,468.88	¥1,719,576.11
21	¥20,249.03	¥5,731.92	¥14,517.11	¥1,705,059.00
22	¥20,249.03	¥5,683.53	¥14,565.50	¥1,690,493.51
23	¥20,249.03	¥5,634.98	¥14,614.05	¥1,675,879.46
24	¥20,249.03	¥5,586.26	¥14,662.76	¥1,661,216.70
25	¥20,249.03	¥5,537.39	¥14,711.64	¥1,646,505.06
26	¥20,249.03	¥5,488.35	¥14,760.68	¥1,631,744.38
27	¥20,249.03	¥5,439.15	¥14,809.88	¥1,616,934.50
28	¥20,249.03	¥5,389.78	¥14,859.25	¥1,602,075.25
29	¥20,249.03	¥5,340.25	¥14,908.78	¥1,587,166.48
30	¥20,249.03	¥5,290.55	¥14,958.47	¥1,572,208.00
31	¥20,249.03	¥5,240.69	¥15,008.33	¥1,557,199.67
32	¥20,249.03	¥5,190.67	¥15,058.36	¥1,542,141.31
33	¥20,249.03	¥5,140.47	¥15,108.56	¥1,527,032.75
34	¥20,249.03	¥5,090.11	¥15,158.92	¥1,511,873.83
35	¥20,249.03	¥5,039.58	¥15,209.45	¥1,496,664.38
36	¥20,249.03	¥4,988.88	¥15,260.15	¥1,481,404.24
37	¥20,249.03	¥4,938.01	¥15,311.01	¥1,466,093.22
38	¥20,249.03	¥4,886.98	¥15,362.05	¥1,450,731.17
39	¥20,249.03	¥4,835.77	¥15,413.26	¥1,435,317.92
40	¥20,249.03	¥4,784.39	¥15,464.63	¥1,419,853.28
41	¥20,249.03	¥4,732.84	¥15,516.18	¥1,404,337.10
42	¥20,249.03	¥4,681.12	¥15,567.90	¥1,388,769.20
43	¥20,249.03	¥4,629.23	¥15,619.80	¥1,373,149.40
44	¥20,249.03	¥4,577.16	¥15,671.86	¥1,357,477.54
45	¥20,249.03	¥4,524.93	¥15,724.10	¥1,341,753.43
46	¥20,249.03	¥4,472.51	¥15,776.52	¥1,325,976.92
47	¥20,249.03	¥4,419.92	¥15,829.10	¥1,310,147.81
48	¥20,249.03	¥4,367.16	¥15,881.87	¥1,294,265.94
49	¥20,249.03	¥4,314.22	¥15,934.81	¥1,278,331.14
50	¥20,249.03	¥4,261.10	¥15,987.92	¥1,262,343.21
51	¥20,249.03	¥4,207.81	¥16,041.22	¥1,246,302.00
52	¥20,249.03	¥4,154.34	¥16,094.69	¥1,230,207.31
53	¥20,249.03	¥4,100.69	¥16,148.34	¥1,214,058.97
54	¥20,249.03	¥4,046.86	¥16,202.16	¥1,197,856.81
55	¥20,249.03	¥3,992.86	¥16,256.17	¥1,181,600.63
56	¥20,249.03	¥3,938.67	¥16,310.36	¥1,165,290.28
57	¥20,249.03	¥3,884.30	¥16,364.73	¥1,148,925.55
58	¥20,249.03	¥3,829.75	¥16,419.28	¥1,132,506.27
59	¥20,249.03	¥3,775.02	¥16,474.01	¥1,116,032.27
60	¥20,249.03	¥3,720.11	¥16,528.92	¥1,099,503.35
61	¥20,249.03	¥3,665.01	¥16,584.02	¥1,082,919.33
62	¥20,249.03	¥3,609.73	¥16,639.30	¥1,066,280.03
63	¥20,249.03	¥3,554.27	¥16,694.76	¥1,049,585.27
64	¥20,249.03	¥3,498.62	¥16,750.41	¥1,032,834.86
65	¥20,249.03	¥3,442.78	¥16,806.24	¥1,016,028.62
66	¥20,249.03	¥3,386.76	¥16,862.27	¥999,166.35
67	¥20,249.03	¥3,330.55	¥16,918.47	¥982,247.88
68	¥20,249.03	¥3,274.16	¥16,974.87	¥965,273.01
69	¥20,249.03	¥3,217.58	¥17,031.45	¥948,241.56
70	¥20,249.03	¥3,160.81	¥17,088.22	¥931,153.34
71	¥20,249.03	¥3,103.84	¥17,145.18	¥914,008.15
72	¥20,249.03	¥3,046.69	¥17,202.33	¥896,805.82
73	¥20,249.03	¥2,989.35	¥17,259.67	¥879,546.15
74	¥20,249.03	¥2,931.82	¥17,317.21	¥862,228.94
75	¥20,249.03	¥2,874.10	¥17,374.93	¥844,854.01
76	¥20,249.03	¥2,816.18	¥17,432.85	¥827,421.16
77	¥20,249.03	¥2,758.07	¥17,490.96	¥809,930.20
78	¥20,249.03	¥2,699.77	¥17,549.26	¥792,380.94
79	¥20,249.03	¥2,641.27	¥17,607.76	¥774,773.18
80	¥20,249.03	¥2,582.58	¥17,666.45	¥757,106.73
81	¥20,249.03	¥2,523.69	¥17,725.34	¥739,381.40
82	¥20,249.03	¥2,464.60	¥17,784.42	¥721,596.97
83	¥20,249.03	¥2,405.32	¥17,843.70	¥703,753.27
84	¥20,249.03	¥2,345.84	¥17,903.18	¥685,850.09
85	¥20,249.03	¥2,286.17	¥17,962.86	¥667,887.22
86	¥20,249.03	¥2,226.29	¥18,022.74	¥649,864.49
87	¥20,249.03	¥2,166.21	¥18,082.81	¥631,781.67
88	¥20,249.03	¥2,105.94	¥18,143.09	¥613,638.59
89	¥20,249.03	¥2,045.46	¥18,203.57	¥595,435.02
90	¥20,249.03	¥1,984.78	¥18,264.24	¥577,170.78
91	¥20,249.03	¥1,923.90	¥18,325.13	¥558,845.65
92	¥20,249.03	¥1,862.82	¥18,386.21	¥540,459.44
93	¥20,249.03	¥1,801.53	¥18,447.50	¥522,011.95
94	¥20,249.03	¥1,740.04	¥18,508.99	¥503,502.96
95	¥20,249.03	¥1,678.34	¥18,570.68	¥484,932.27
96	¥20,249.03	¥1,616.44	¥18,632.59	¥466,299.69
97	¥20,249.03	¥1,554.33	¥18,694.70	¥447,604.99
98	¥20,249.03	¥1,492.02	¥18,757.01	¥428,847.98
99	¥20,249.03	¥1,429.49	¥18,819.53	¥410,028.45
100	¥20,249.03	¥1,366.76	¥18,882.27	¥391,146.18
101	¥20,249.03	¥1,303.82	¥18,945.21	¥372,200.97
102	¥20,249.03	¥1,240.67	¥19,008.36	¥353,192.62
103	¥20,249.03	¥1,177.31	¥19,071.72	¥334,120.90
104	¥20,249.03	¥1,113.74	¥19,135.29	¥314,985.61
105	¥20,249.03	¥1,049.95	¥19,199.08	¥295,786.53
106	¥20,249.03	¥985.96	¥19,263.07	¥276,523.46
107	¥20,249.03	¥921.74	¥19,327.28	¥257,196.17
108	¥20,249.03	¥857.32	¥19,391.71	¥237,804.47
109	¥20,249.03	¥792.68	¥19,456.35	¥218,348.12
110	¥20,249.03	¥727.83	¥19,521.20	¥198,826.92
111	¥20,249.03	¥662.76	¥19,586.27	¥179,240.65
112	¥20,249.03	¥597.47	¥19,651.56	¥159,589.09
113	¥20,249.03	¥531.96	¥19,717.06	¥139,872.03
114	¥20,249.03	¥466.24	¥19,782.79	¥120,089.24
115	¥20,249.03	¥400.30	¥19,848.73	¥100,240.51
116	¥20,249.03	¥334.14	¥19,914.89	¥80,325.62
117	¥20,249.03	¥267.75	¥19,981.28	¥60,344.34
118	¥20,249.03	¥201.15	¥20,047.88	¥40,296.46
119	¥20,249.03	¥134.32	¥20,114.71	¥20,181.76
120	¥20,249.03	¥67.27	¥20,181.76	¥0.00

¥23,333.33

等额本金 / 首月还款金额

贷款类型：等额本金

利息总额：¥403,333.33

还款总额：¥2,403,333.33

期数	每月还款	偿还利息	偿还本金	剩余本金


1	¥23,333.33	¥6,666.67	¥16,666.67	¥1,983,333.33
2	¥23,277.78	¥6,611.11	¥16,666.67	¥1,966,666.67
3	¥23,222.22	¥6,555.56	¥16,666.67	¥1,950,000.00
4	¥23,166.67	¥6,500.00	¥16,666.67	¥1,933,333.33
5	¥23,111.11	¥6,444.44	¥16,666.67	¥1,916,666.67
6	¥23,055.56	¥6,388.89	¥16,666.67	¥1,900,000.00
7	¥23,000.00	¥6,333.33	¥16,666.67	¥1,883,333.33
8	¥22,944.44	¥6,277.78	¥16,666.67	¥1,866,666.67
9	¥22,888.89	¥6,222.22	¥16,666.67	¥1,850,000.00
10	¥22,833.33	¥6,166.67	¥16,666.67	¥1,833,333.33
11	¥22,777.78	¥6,111.11	¥16,666.67	¥1,816,666.67
12	¥22,722.22	¥6,055.56	¥16,666.67	¥1,800,000.00
13	¥22,666.67	¥6,000.00	¥16,666.67	¥1,783,333.33
14	¥22,611.11	¥5,944.44	¥16,666.67	¥1,766,666.67
15	¥22,555.56	¥5,888.89	¥16,666.67	¥1,750,000.00
16	¥22,500.00	¥5,833.33	¥16,666.67	¥1,733,333.33
17	¥22,444.44	¥5,777.78	¥16,666.67	¥1,716,666.67
18	¥22,388.89	¥5,722.22	¥16,666.67	¥1,700,000.00
19	¥22,333.33	¥5,666.67	¥16,666.67	¥1,683,333.33
20	¥22,277.78	¥5,611.11	¥16,666.67	¥1,666,666.67
21	¥22,222.22	¥5,555.56	¥16,666.67	¥1,650,000.00
22	¥22,166.67	¥5,500.00	¥16,666.67	¥1,633,333.33
23	¥22,111.11	¥5,444.44	¥16,666.67	¥1,616,666.67
24	¥22,055.56	¥5,388.89	¥16,666.67	¥1,600,000.00
25	¥22,000.00	¥5,333.33	¥16,666.67	¥1,583,333.33
26	¥21,944.44	¥5,277.78	¥16,666.67	¥1,566,666.67
27	¥21,888.89	¥5,222.22	¥16,666.67	¥1,550,000.00
28	¥21,833.33	¥5,166.67	¥16,666.67	¥1,533,333.33
29	¥21,777.78	¥5,111.11	¥16,666.67	¥1,516,666.67
30	¥21,722.22	¥5,055.56	¥16,666.67	¥1,500,000.00
31	¥21,666.67	¥5,000.00	¥16,666.67	¥1,483,333.33
32	¥21,611.11	¥4,944.44	¥16,666.67	¥1,466,666.67
33	¥21,555.56	¥4,888.89	¥16,666.67	¥1,450,000.00
34	¥21,500.00	¥4,833.33	¥16,666.67	¥1,433,333.33
35	¥21,444.44	¥4,777.78	¥16,666.67	¥1,416,666.67
36	¥21,388.89	¥4,722.22	¥16,666.67	¥1,400,000.00
37	¥21,333.33	¥4,666.67	¥16,666.67	¥1,383,333.33
38	¥21,277.78	¥4,611.11	¥16,666.67	¥1,366,666.67
39	¥21,222.22	¥4,555.56	¥16,666.67	¥1,350,000.00
40	¥21,166.67	¥4,500.00	¥16,666.67	¥1,333,333.33
41	¥21,111.11	¥4,444.44	¥16,666.67	¥1,316,666.67
42	¥21,055.56	¥4,388.89	¥16,666.67	¥1,300,000.00
43	¥21,000.00	¥4,333.33	¥16,666.67	¥1,283,333.33
44	¥20,944.44	¥4,277.78	¥16,666.67	¥1,266,666.67
45	¥20,888.89	¥4,222.22	¥16,666.67	¥1,250,000.00
46	¥20,833.33	¥4,166.67	¥16,666.67	¥1,233,333.33
47	¥20,777.78	¥4,111.11	¥16,666.67	¥1,216,666.67
48	¥20,722.22	¥4,055.56	¥16,666.67	¥1,200,000.00
49	¥20,666.67	¥4,000.00	¥16,666.67	¥1,183,333.33
50	¥20,611.11	¥3,944.44	¥16,666.67	¥1,166,666.67
51	¥20,555.56	¥3,888.89	¥16,666.67	¥1,150,000.00
52	¥20,500.00	¥3,833.33	¥16,666.67	¥1,133,333.33
53	¥20,444.44	¥3,777.78	¥16,666.67	¥1,116,666.67
54	¥20,388.89	¥3,722.22	¥16,666.67	¥1,100,000.00
55	¥20,333.33	¥3,666.67	¥16,666.67	¥1,083,333.33
56	¥20,277.78	¥3,611.11	¥16,666.67	¥1,066,666.67
57	¥20,222.22	¥3,555.56	¥16,666.67	¥1,050,000.00
58	¥20,166.67	¥3,500.00	¥16,666.67	¥1,033,333.33
59	¥20,111.11	¥3,444.44	¥16,666.67	¥1,016,666.67
60	¥20,055.56	¥3,388.89	¥16,666.67	¥1,000,000.00
61	¥20,000.00	¥3,333.33	¥16,666.67	¥983,333.33
62	¥19,944.44	¥3,277.78	¥16,666.67	¥966,666.67
63	¥19,888.89	¥3,222.22	¥16,666.67	¥950,000.00
64	¥19,833.33	¥3,166.67	¥16,666.67	¥933,333.33
65	¥19,777.78	¥3,111.11	¥16,666.67	¥916,666.67
66	¥19,722.22	¥3,055.56	¥16,666.67	¥900,000.00
67	¥19,666.67	¥3,000.00	¥16,666.67	¥883,333.33
68	¥19,611.11	¥2,944.44	¥16,666.67	¥866,666.67
69	¥19,555.56	¥2,888.89	¥16,666.67	¥850,000.00
70	¥19,500.00	¥2,833.33	¥16,666.67	¥833,333.33
71	¥19,444.44	¥2,777.78	¥16,666.67	¥816,666.67
72	¥19,388.89	¥2,722.22	¥16,666.67	¥800,000.00
73	¥19,333.33	¥2,666.67	¥16,666.67	¥783,333.33
74	¥19,277.78	¥2,611.11	¥16,666.67	¥766,666.67
75	¥19,222.22	¥2,555.56	¥16,666.67	¥750,000.00
76	¥19,166.67	¥2,500.00	¥16,666.67	¥733,333.33
77	¥19,111.11	¥2,444.44	¥16,666.67	¥716,666.67
78	¥19,055.56	¥2,388.89	¥16,666.67	¥700,000.00
79	¥19,000.00	¥2,333.33	¥16,666.67	¥683,333.33
80	¥18,944.44	¥2,277.78	¥16,666.67	¥666,666.67
81	¥18,888.89	¥2,222.22	¥16,666.67	¥650,000.00
82	¥18,833.33	¥2,166.67	¥16,666.67	¥633,333.33
83	¥18,777.78	¥2,111.11	¥16,666.67	¥616,666.67
84	¥18,722.22	¥2,055.56	¥16,666.67	¥600,000.00
85	¥18,666.67	¥2,000.00	¥16,666.67	¥583,333.33
86	¥18,611.11	¥1,944.44	¥16,666.67	¥566,666.67
87	¥18,555.56	¥1,888.89	¥16,666.67	¥550,000.00
88	¥18,500.00	¥1,833.33	¥16,666.67	¥533,333.33
89	¥18,444.44	¥1,777.78	¥16,666.67	¥516,666.67
90	¥18,388.89	¥1,722.22	¥16,666.67	¥500,000.00
91	¥18,333.33	¥1,666.67	¥16,666.67	¥483,333.33
92	¥18,277.78	¥1,611.11	¥16,666.67	¥466,666.67
93	¥18,222.22	¥1,555.56	¥16,666.67	¥450,000.00
94	¥18,166.67	¥1,500.00	¥16,666.67	¥433,333.33
95	¥18,111.11	¥1,444.44	¥16,666.67	¥416,666.67
96	¥18,055.56	¥1,388.89	¥16,666.67	¥400,000.00
97	¥18,000.00	¥1,333.33	¥16,666.67	¥383,333.33
98	¥17,944.44	¥1,277.78	¥16,666.67	¥366,666.67
99	¥17,888.89	¥1,222.22	¥16,666.67	¥350,000.00
100	¥17,833.33	¥1,166.67	¥16,666.67	¥333,333.33
101	¥17,777.78	¥1,111.11	¥16,666.67	¥316,666.67
102	¥17,722.22	¥1,055.56	¥16,666.67	¥300,000.00
103	¥17,666.67	¥1,000.00	¥16,666.67	¥283,333.33
104	¥17,611.11	¥944.44	¥16,666.67	¥266,666.67
105	¥17,555.56	¥888.89	¥16,666.67	¥250,000.00
106	¥17,500.00	¥833.33	¥16,666.67	¥233,333.33
107	¥17,444.44	¥777.78	¥16,666.67	¥216,666.67
108	¥17,388.89	¥722.22	¥16,666.67	¥200,000.00
109	¥17,333.33	¥666.67	¥16,666.67	¥183,333.33
110	¥17,277.78	¥611.11	¥16,666.67	¥166,666.67
111	¥17,222.22	¥555.56	¥16,666.67	¥150,000.00
112	¥17,166.67	¥500.00	¥16,666.67	¥133,333.33
113	¥17,111.11	¥444.44	¥16,666.67	¥116,666.67
114	¥17,055.56	¥388.89	¥16,666.67	¥100,000.00
115	¥17,000.00	¥333.33	¥16,666.67	¥83,333.33
116	¥16,944.44	¥277.78	¥16,666.67	¥66,666.67
117	¥16,888.89	¥222.22	¥16,666.67	¥50,000.00
118	¥16,833.33	¥166.67	¥16,666.67	¥33,333.33
119	¥16,777.78	¥111.11	¥16,666.67	¥16,666.67
120	¥16,722.22	¥55.56	¥16,666.67	¥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。