2025贷款计算器 - 最新利率比较/试算


1	¥25,311.28	¥8,333.33	¥16,977.95	¥2,483,022.05
2	¥25,311.28	¥8,276.74	¥17,034.54	¥2,465,987.50
3	¥25,311.28	¥8,219.96	¥17,091.33	¥2,448,896.18
4	¥25,311.28	¥8,162.99	¥17,148.30	¥2,431,747.88
5	¥25,311.28	¥8,105.83	¥17,205.46	¥2,414,542.42
6	¥25,311.28	¥8,048.47	¥17,262.81	¥2,397,279.61
7	¥25,311.28	¥7,990.93	¥17,320.35	¥2,379,959.26
8	¥25,311.28	¥7,933.20	¥17,378.09	¥2,362,581.17
9	¥25,311.28	¥7,875.27	¥17,436.01	¥2,345,145.16
10	¥25,311.28	¥7,817.15	¥17,494.13	¥2,327,651.03
11	¥25,311.28	¥7,758.84	¥17,552.45	¥2,310,098.58
12	¥25,311.28	¥7,700.33	¥17,610.96	¥2,292,487.62
13	¥25,311.28	¥7,641.63	¥17,669.66	¥2,274,817.96
14	¥25,311.28	¥7,582.73	¥17,728.56	¥2,257,089.40
15	¥25,311.28	¥7,523.63	¥17,787.65	¥2,239,301.75
16	¥25,311.28	¥7,464.34	¥17,846.95	¥2,221,454.81
17	¥25,311.28	¥7,404.85	¥17,906.44	¥2,203,548.37
18	¥25,311.28	¥7,345.16	¥17,966.12	¥2,185,582.25
19	¥25,311.28	¥7,285.27	¥18,026.01	¥2,167,556.24
20	¥25,311.28	¥7,225.19	¥18,086.10	¥2,149,470.14
21	¥25,311.28	¥7,164.90	¥18,146.38	¥2,131,323.76
22	¥25,311.28	¥7,104.41	¥18,206.87	¥2,113,116.88
23	¥25,311.28	¥7,043.72	¥18,267.56	¥2,094,849.32
24	¥25,311.28	¥6,982.83	¥18,328.45	¥2,076,520.87
25	¥25,311.28	¥6,921.74	¥18,389.55	¥2,058,131.32
26	¥25,311.28	¥6,860.44	¥18,450.85	¥2,039,680.47
27	¥25,311.28	¥6,798.93	¥18,512.35	¥2,021,168.12
28	¥25,311.28	¥6,737.23	¥18,574.06	¥2,002,594.07
29	¥25,311.28	¥6,675.31	¥18,635.97	¥1,983,958.10
30	¥25,311.28	¥6,613.19	¥18,698.09	¥1,965,260.00
31	¥25,311.28	¥6,550.87	¥18,760.42	¥1,946,499.59
32	¥25,311.28	¥6,488.33	¥18,822.95	¥1,927,676.63
33	¥25,311.28	¥6,425.59	¥18,885.70	¥1,908,790.94
34	¥25,311.28	¥6,362.64	¥18,948.65	¥1,889,842.29
35	¥25,311.28	¥6,299.47	¥19,011.81	¥1,870,830.48
36	¥25,311.28	¥6,236.10	¥19,075.18	¥1,851,755.30
37	¥25,311.28	¥6,172.52	¥19,138.77	¥1,832,616.53
38	¥25,311.28	¥6,108.72	¥19,202.56	¥1,813,413.97
39	¥25,311.28	¥6,044.71	¥19,266.57	¥1,794,147.40
40	¥25,311.28	¥5,980.49	¥19,330.79	¥1,774,816.60
41	¥25,311.28	¥5,916.06	¥19,395.23	¥1,755,421.37
42	¥25,311.28	¥5,851.40	¥19,459.88	¥1,735,961.49
43	¥25,311.28	¥5,786.54	¥19,524.75	¥1,716,436.75
44	¥25,311.28	¥5,721.46	¥19,589.83	¥1,696,846.92
45	¥25,311.28	¥5,656.16	¥19,655.13	¥1,677,191.79
46	¥25,311.28	¥5,590.64	¥19,720.65	¥1,657,471.15
47	¥25,311.28	¥5,524.90	¥19,786.38	¥1,637,684.76
48	¥25,311.28	¥5,458.95	¥19,852.34	¥1,617,832.43
49	¥25,311.28	¥5,392.77	¥19,918.51	¥1,597,913.92
50	¥25,311.28	¥5,326.38	¥19,984.90	¥1,577,929.01
51	¥25,311.28	¥5,259.76	¥20,051.52	¥1,557,877.49
52	¥25,311.28	¥5,192.92	¥20,118.36	¥1,537,759.13
53	¥25,311.28	¥5,125.86	¥20,185.42	¥1,517,573.71
54	¥25,311.28	¥5,058.58	¥20,252.71	¥1,497,321.01
55	¥25,311.28	¥4,991.07	¥20,320.21	¥1,477,000.79
56	¥25,311.28	¥4,923.34	¥20,387.95	¥1,456,612.84
57	¥25,311.28	¥4,855.38	¥20,455.91	¥1,436,156.94
58	¥25,311.28	¥4,787.19	¥20,524.09	¥1,415,632.84
59	¥25,311.28	¥4,718.78	¥20,592.51	¥1,395,040.33
60	¥25,311.28	¥4,650.13	¥20,661.15	¥1,374,379.18
61	¥25,311.28	¥4,581.26	¥20,730.02	¥1,353,649.16
62	¥25,311.28	¥4,512.16	¥20,799.12	¥1,332,850.04
63	¥25,311.28	¥4,442.83	¥20,868.45	¥1,311,981.59
64	¥25,311.28	¥4,373.27	¥20,938.01	¥1,291,043.58
65	¥25,311.28	¥4,303.48	¥21,007.81	¥1,270,035.77
66	¥25,311.28	¥4,233.45	¥21,077.83	¥1,248,957.94
67	¥25,311.28	¥4,163.19	¥21,148.09	¥1,227,809.85
68	¥25,311.28	¥4,092.70	¥21,218.59	¥1,206,591.26
69	¥25,311.28	¥4,021.97	¥21,289.31	¥1,185,301.95
70	¥25,311.28	¥3,951.01	¥21,360.28	¥1,163,941.67
71	¥25,311.28	¥3,879.81	¥21,431.48	¥1,142,510.19
72	¥25,311.28	¥3,808.37	¥21,502.92	¥1,121,007.28
73	¥25,311.28	¥3,736.69	¥21,574.59	¥1,099,432.68
74	¥25,311.28	¥3,664.78	¥21,646.51	¥1,077,786.17
75	¥25,311.28	¥3,592.62	¥21,718.66	¥1,056,067.51
76	¥25,311.28	¥3,520.23	¥21,791.06	¥1,034,276.45
77	¥25,311.28	¥3,447.59	¥21,863.70	¥1,012,412.75
78	¥25,311.28	¥3,374.71	¥21,936.58	¥990,476.18
79	¥25,311.28	¥3,301.59	¥22,009.70	¥968,466.48
80	¥25,311.28	¥3,228.22	¥22,083.06	¥946,383.42
81	¥25,311.28	¥3,154.61	¥22,156.67	¥924,226.74
82	¥25,311.28	¥3,080.76	¥22,230.53	¥901,996.22
83	¥25,311.28	¥3,006.65	¥22,304.63	¥879,691.59
84	¥25,311.28	¥2,932.31	¥22,378.98	¥857,312.61
85	¥25,311.28	¥2,857.71	¥22,453.58	¥834,859.03
86	¥25,311.28	¥2,782.86	¥22,528.42	¥812,330.61
87	¥25,311.28	¥2,707.77	¥22,603.52	¥789,727.09
88	¥25,311.28	¥2,632.42	¥22,678.86	¥767,048.23
89	¥25,311.28	¥2,556.83	¥22,754.46	¥744,293.78
90	¥25,311.28	¥2,480.98	¥22,830.31	¥721,463.47
91	¥25,311.28	¥2,404.88	¥22,906.41	¥698,557.06
92	¥25,311.28	¥2,328.52	¥22,982.76	¥675,574.30
93	¥25,311.28	¥2,251.91	¥23,059.37	¥652,514.93
94	¥25,311.28	¥2,175.05	¥23,136.23	¥629,378.70
95	¥25,311.28	¥2,097.93	¥23,213.36	¥606,165.34
96	¥25,311.28	¥2,020.55	¥23,290.73	¥582,874.61
97	¥25,311.28	¥1,942.92	¥23,368.37	¥559,506.24
98	¥25,311.28	¥1,865.02	¥23,446.26	¥536,059.98
99	¥25,311.28	¥1,786.87	¥23,524.42	¥512,535.56
100	¥25,311.28	¥1,708.45	¥23,602.83	¥488,932.73
101	¥25,311.28	¥1,629.78	¥23,681.51	¥465,251.22
102	¥25,311.28	¥1,550.84	¥23,760.45	¥441,490.77
103	¥25,311.28	¥1,471.64	¥23,839.65	¥417,651.12
104	¥25,311.28	¥1,392.17	¥23,919.11	¥393,732.01
105	¥25,311.28	¥1,312.44	¥23,998.84	¥369,733.16
106	¥25,311.28	¥1,232.44	¥24,078.84	¥345,654.32
107	¥25,311.28	¥1,152.18	¥24,159.10	¥321,495.22
108	¥25,311.28	¥1,071.65	¥24,239.63	¥297,255.58
109	¥25,311.28	¥990.85	¥24,320.43	¥272,935.15
110	¥25,311.28	¥909.78	¥24,401.50	¥248,533.65
111	¥25,311.28	¥828.45	¥24,482.84	¥224,050.81
112	¥25,311.28	¥746.84	¥24,564.45	¥199,486.36
113	¥25,311.28	¥664.95	¥24,646.33	¥174,840.03
114	¥25,311.28	¥582.80	¥24,728.48	¥150,111.55
115	¥25,311.28	¥500.37	¥24,810.91	¥125,300.64
116	¥25,311.28	¥417.67	¥24,893.62	¥100,407.02
117	¥25,311.28	¥334.69	¥24,976.59	¥75,430.43
118	¥25,311.28	¥251.43	¥25,059.85	¥50,370.58
119	¥25,311.28	¥167.90	¥25,143.38	¥25,227.19
120	¥25,311.28	¥84.09	¥25,227.19	¥0.00

¥29,166.67

等额本金 / 首月还款金额

贷款类型：等额本金

利息总额：¥504,166.67

还款总额：¥3,004,166.67

期数	每月还款	偿还利息	偿还本金	剩余本金


1	¥29,166.67	¥8,333.33	¥20,833.33	¥2,479,166.67
2	¥29,097.22	¥8,263.89	¥20,833.33	¥2,458,333.33
3	¥29,027.78	¥8,194.44	¥20,833.33	¥2,437,500.00
4	¥28,958.33	¥8,125.00	¥20,833.33	¥2,416,666.67
5	¥28,888.89	¥8,055.56	¥20,833.33	¥2,395,833.33
6	¥28,819.44	¥7,986.11	¥20,833.33	¥2,375,000.00
7	¥28,750.00	¥7,916.67	¥20,833.33	¥2,354,166.67
8	¥28,680.56	¥7,847.22	¥20,833.33	¥2,333,333.33
9	¥28,611.11	¥7,777.78	¥20,833.33	¥2,312,500.00
10	¥28,541.67	¥7,708.33	¥20,833.33	¥2,291,666.67
11	¥28,472.22	¥7,638.89	¥20,833.33	¥2,270,833.33
12	¥28,402.78	¥7,569.44	¥20,833.33	¥2,250,000.00
13	¥28,333.33	¥7,500.00	¥20,833.33	¥2,229,166.67
14	¥28,263.89	¥7,430.56	¥20,833.33	¥2,208,333.33
15	¥28,194.44	¥7,361.11	¥20,833.33	¥2,187,500.00
16	¥28,125.00	¥7,291.67	¥20,833.33	¥2,166,666.67
17	¥28,055.56	¥7,222.22	¥20,833.33	¥2,145,833.33
18	¥27,986.11	¥7,152.78	¥20,833.33	¥2,125,000.00
19	¥27,916.67	¥7,083.33	¥20,833.33	¥2,104,166.67
20	¥27,847.22	¥7,013.89	¥20,833.33	¥2,083,333.33
21	¥27,777.78	¥6,944.44	¥20,833.33	¥2,062,500.00
22	¥27,708.33	¥6,875.00	¥20,833.33	¥2,041,666.67
23	¥27,638.89	¥6,805.56	¥20,833.33	¥2,020,833.33
24	¥27,569.44	¥6,736.11	¥20,833.33	¥2,000,000.00
25	¥27,500.00	¥6,666.67	¥20,833.33	¥1,979,166.67
26	¥27,430.56	¥6,597.22	¥20,833.33	¥1,958,333.33
27	¥27,361.11	¥6,527.78	¥20,833.33	¥1,937,500.00
28	¥27,291.67	¥6,458.33	¥20,833.33	¥1,916,666.67
29	¥27,222.22	¥6,388.89	¥20,833.33	¥1,895,833.33
30	¥27,152.78	¥6,319.44	¥20,833.33	¥1,875,000.00
31	¥27,083.33	¥6,250.00	¥20,833.33	¥1,854,166.67
32	¥27,013.89	¥6,180.56	¥20,833.33	¥1,833,333.33
33	¥26,944.44	¥6,111.11	¥20,833.33	¥1,812,500.00
34	¥26,875.00	¥6,041.67	¥20,833.33	¥1,791,666.67
35	¥26,805.56	¥5,972.22	¥20,833.33	¥1,770,833.33
36	¥26,736.11	¥5,902.78	¥20,833.33	¥1,750,000.00
37	¥26,666.67	¥5,833.33	¥20,833.33	¥1,729,166.67
38	¥26,597.22	¥5,763.89	¥20,833.33	¥1,708,333.33
39	¥26,527.78	¥5,694.44	¥20,833.33	¥1,687,500.00
40	¥26,458.33	¥5,625.00	¥20,833.33	¥1,666,666.67
41	¥26,388.89	¥5,555.56	¥20,833.33	¥1,645,833.33
42	¥26,319.44	¥5,486.11	¥20,833.33	¥1,625,000.00
43	¥26,250.00	¥5,416.67	¥20,833.33	¥1,604,166.67
44	¥26,180.56	¥5,347.22	¥20,833.33	¥1,583,333.33
45	¥26,111.11	¥5,277.78	¥20,833.33	¥1,562,500.00
46	¥26,041.67	¥5,208.33	¥20,833.33	¥1,541,666.67
47	¥25,972.22	¥5,138.89	¥20,833.33	¥1,520,833.33
48	¥25,902.78	¥5,069.44	¥20,833.33	¥1,500,000.00
49	¥25,833.33	¥5,000.00	¥20,833.33	¥1,479,166.67
50	¥25,763.89	¥4,930.56	¥20,833.33	¥1,458,333.33
51	¥25,694.44	¥4,861.11	¥20,833.33	¥1,437,500.00
52	¥25,625.00	¥4,791.67	¥20,833.33	¥1,416,666.67
53	¥25,555.56	¥4,722.22	¥20,833.33	¥1,395,833.33
54	¥25,486.11	¥4,652.78	¥20,833.33	¥1,375,000.00
55	¥25,416.67	¥4,583.33	¥20,833.33	¥1,354,166.67
56	¥25,347.22	¥4,513.89	¥20,833.33	¥1,333,333.33
57	¥25,277.78	¥4,444.44	¥20,833.33	¥1,312,500.00
58	¥25,208.33	¥4,375.00	¥20,833.33	¥1,291,666.67
59	¥25,138.89	¥4,305.56	¥20,833.33	¥1,270,833.33
60	¥25,069.44	¥4,236.11	¥20,833.33	¥1,250,000.00
61	¥25,000.00	¥4,166.67	¥20,833.33	¥1,229,166.67
62	¥24,930.56	¥4,097.22	¥20,833.33	¥1,208,333.33
63	¥24,861.11	¥4,027.78	¥20,833.33	¥1,187,500.00
64	¥24,791.67	¥3,958.33	¥20,833.33	¥1,166,666.67
65	¥24,722.22	¥3,888.89	¥20,833.33	¥1,145,833.33
66	¥24,652.78	¥3,819.44	¥20,833.33	¥1,125,000.00
67	¥24,583.33	¥3,750.00	¥20,833.33	¥1,104,166.67
68	¥24,513.89	¥3,680.56	¥20,833.33	¥1,083,333.33
69	¥24,444.44	¥3,611.11	¥20,833.33	¥1,062,500.00
70	¥24,375.00	¥3,541.67	¥20,833.33	¥1,041,666.67
71	¥24,305.56	¥3,472.22	¥20,833.33	¥1,020,833.33
72	¥24,236.11	¥3,402.78	¥20,833.33	¥1,000,000.00
73	¥24,166.67	¥3,333.33	¥20,833.33	¥979,166.67
74	¥24,097.22	¥3,263.89	¥20,833.33	¥958,333.33
75	¥24,027.78	¥3,194.44	¥20,833.33	¥937,500.00
76	¥23,958.33	¥3,125.00	¥20,833.33	¥916,666.67
77	¥23,888.89	¥3,055.56	¥20,833.33	¥895,833.33
78	¥23,819.44	¥2,986.11	¥20,833.33	¥875,000.00
79	¥23,750.00	¥2,916.67	¥20,833.33	¥854,166.67
80	¥23,680.56	¥2,847.22	¥20,833.33	¥833,333.33
81	¥23,611.11	¥2,777.78	¥20,833.33	¥812,500.00
82	¥23,541.67	¥2,708.33	¥20,833.33	¥791,666.67
83	¥23,472.22	¥2,638.89	¥20,833.33	¥770,833.33
84	¥23,402.78	¥2,569.44	¥20,833.33	¥750,000.00
85	¥23,333.33	¥2,500.00	¥20,833.33	¥729,166.67
86	¥23,263.89	¥2,430.56	¥20,833.33	¥708,333.33
87	¥23,194.44	¥2,361.11	¥20,833.33	¥687,500.00
88	¥23,125.00	¥2,291.67	¥20,833.33	¥666,666.67
89	¥23,055.56	¥2,222.22	¥20,833.33	¥645,833.33
90	¥22,986.11	¥2,152.78	¥20,833.33	¥625,000.00
91	¥22,916.67	¥2,083.33	¥20,833.33	¥604,166.67
92	¥22,847.22	¥2,013.89	¥20,833.33	¥583,333.33
93	¥22,777.78	¥1,944.44	¥20,833.33	¥562,500.00
94	¥22,708.33	¥1,875.00	¥20,833.33	¥541,666.67
95	¥22,638.89	¥1,805.56	¥20,833.33	¥520,833.33
96	¥22,569.44	¥1,736.11	¥20,833.33	¥500,000.00
97	¥22,500.00	¥1,666.67	¥20,833.33	¥479,166.67
98	¥22,430.56	¥1,597.22	¥20,833.33	¥458,333.33
99	¥22,361.11	¥1,527.78	¥20,833.33	¥437,500.00
100	¥22,291.67	¥1,458.33	¥20,833.33	¥416,666.67
101	¥22,222.22	¥1,388.89	¥20,833.33	¥395,833.33
102	¥22,152.78	¥1,319.44	¥20,833.33	¥375,000.00
103	¥22,083.33	¥1,250.00	¥20,833.33	¥354,166.67
104	¥22,013.89	¥1,180.56	¥20,833.33	¥333,333.33
105	¥21,944.44	¥1,111.11	¥20,833.33	¥312,500.00
106	¥21,875.00	¥1,041.67	¥20,833.33	¥291,666.67
107	¥21,805.56	¥972.22	¥20,833.33	¥270,833.33
108	¥21,736.11	¥902.78	¥20,833.33	¥250,000.00
109	¥21,666.67	¥833.33	¥20,833.33	¥229,166.67
110	¥21,597.22	¥763.89	¥20,833.33	¥208,333.33
111	¥21,527.78	¥694.44	¥20,833.33	¥187,500.00
112	¥21,458.33	¥625.00	¥20,833.33	¥166,666.67
113	¥21,388.89	¥555.56	¥20,833.33	¥145,833.33
114	¥21,319.44	¥486.11	¥20,833.33	¥125,000.00
115	¥21,250.00	¥416.67	¥20,833.33	¥104,166.67
116	¥21,180.56	¥347.22	¥20,833.33	¥83,333.33
117	¥21,111.11	¥277.78	¥20,833.33	¥62,500.00
118	¥21,041.67	¥208.33	¥20,833.33	¥41,666.67
119	¥20,972.22	¥138.89	¥20,833.33	¥20,833.33
120	¥20,902.78	¥69.44	¥20,833.33	¥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。