2025贷款计算器 - 最新利率比较/试算


1	¥30,373.54	¥10,000.00	¥20,373.54	¥2,979,626.46
2	¥30,373.54	¥9,932.09	¥20,441.45	¥2,959,185.01
3	¥30,373.54	¥9,863.95	¥20,509.59	¥2,938,675.41
4	¥30,373.54	¥9,795.58	¥20,577.96	¥2,918,097.46
5	¥30,373.54	¥9,726.99	¥20,646.55	¥2,897,450.91
6	¥30,373.54	¥9,658.17	¥20,715.37	¥2,876,735.54
7	¥30,373.54	¥9,589.12	¥20,784.42	¥2,855,951.11
8	¥30,373.54	¥9,519.84	¥20,853.70	¥2,835,097.41
9	¥30,373.54	¥9,450.32	¥20,923.22	¥2,814,174.19
10	¥30,373.54	¥9,380.58	¥20,992.96	¥2,793,181.23
11	¥30,373.54	¥9,310.60	¥21,062.94	¥2,772,118.29
12	¥30,373.54	¥9,240.39	¥21,133.15	¥2,750,985.15
13	¥30,373.54	¥9,169.95	¥21,203.59	¥2,729,781.56
14	¥30,373.54	¥9,099.27	¥21,274.27	¥2,708,507.29
15	¥30,373.54	¥9,028.36	¥21,345.18	¥2,687,162.10
16	¥30,373.54	¥8,957.21	¥21,416.33	¥2,665,745.77
17	¥30,373.54	¥8,885.82	¥21,487.72	¥2,644,258.04
18	¥30,373.54	¥8,814.19	¥21,559.35	¥2,622,698.70
19	¥30,373.54	¥8,742.33	¥21,631.21	¥2,601,067.48
20	¥30,373.54	¥8,670.22	¥21,703.32	¥2,579,364.17
21	¥30,373.54	¥8,597.88	¥21,775.66	¥2,557,588.51
22	¥30,373.54	¥8,525.30	¥21,848.25	¥2,535,740.26
23	¥30,373.54	¥8,452.47	¥21,921.07	¥2,513,819.19
24	¥30,373.54	¥8,379.40	¥21,994.14	¥2,491,825.04
25	¥30,373.54	¥8,306.08	¥22,067.46	¥2,469,757.58
26	¥30,373.54	¥8,232.53	¥22,141.02	¥2,447,616.57
27	¥30,373.54	¥8,158.72	¥22,214.82	¥2,425,401.75
28	¥30,373.54	¥8,084.67	¥22,288.87	¥2,403,112.88
29	¥30,373.54	¥8,010.38	¥22,363.17	¥2,380,749.71
30	¥30,373.54	¥7,935.83	¥22,437.71	¥2,358,312.01
31	¥30,373.54	¥7,861.04	¥22,512.50	¥2,335,799.50
32	¥30,373.54	¥7,786.00	¥22,587.54	¥2,313,211.96
33	¥30,373.54	¥7,710.71	¥22,662.83	¥2,290,549.13
34	¥30,373.54	¥7,635.16	¥22,738.38	¥2,267,810.75
35	¥30,373.54	¥7,559.37	¥22,814.17	¥2,244,996.58
36	¥30,373.54	¥7,483.32	¥22,890.22	¥2,222,106.36
37	¥30,373.54	¥7,407.02	¥22,966.52	¥2,199,139.84
38	¥30,373.54	¥7,330.47	¥23,043.08	¥2,176,096.76
39	¥30,373.54	¥7,253.66	¥23,119.89	¥2,152,976.88
40	¥30,373.54	¥7,176.59	¥23,196.95	¥2,129,779.92
41	¥30,373.54	¥7,099.27	¥23,274.28	¥2,106,505.65
42	¥30,373.54	¥7,021.69	¥23,351.86	¥2,083,153.79
43	¥30,373.54	¥6,943.85	¥23,429.70	¥2,059,724.10
44	¥30,373.54	¥6,865.75	¥23,507.79	¥2,036,216.30
45	¥30,373.54	¥6,787.39	¥23,586.15	¥2,012,630.15
46	¥30,373.54	¥6,708.77	¥23,664.77	¥1,988,965.37
47	¥30,373.54	¥6,629.88	¥23,743.66	¥1,965,221.72
48	¥30,373.54	¥6,550.74	¥23,822.80	¥1,941,398.92
49	¥30,373.54	¥6,471.33	¥23,902.21	¥1,917,496.70
50	¥30,373.54	¥6,391.66	¥23,981.89	¥1,893,514.82
51	¥30,373.54	¥6,311.72	¥24,061.83	¥1,869,452.99
52	¥30,373.54	¥6,231.51	¥24,142.03	¥1,845,310.96
53	¥30,373.54	¥6,151.04	¥24,222.50	¥1,821,088.46
54	¥30,373.54	¥6,070.29	¥24,303.25	¥1,796,785.21
55	¥30,373.54	¥5,989.28	¥24,384.26	¥1,772,400.95
56	¥30,373.54	¥5,908.00	¥24,465.54	¥1,747,935.41
57	¥30,373.54	¥5,826.45	¥24,547.09	¥1,723,388.32
58	¥30,373.54	¥5,744.63	¥24,628.91	¥1,698,759.41
59	¥30,373.54	¥5,662.53	¥24,711.01	¥1,674,048.40
60	¥30,373.54	¥5,580.16	¥24,793.38	¥1,649,255.02
61	¥30,373.54	¥5,497.52	¥24,876.02	¥1,624,379.00
62	¥30,373.54	¥5,414.60	¥24,958.94	¥1,599,420.05
63	¥30,373.54	¥5,331.40	¥25,042.14	¥1,574,377.91
64	¥30,373.54	¥5,247.93	¥25,125.62	¥1,549,252.29
65	¥30,373.54	¥5,164.17	¥25,209.37	¥1,524,042.93
66	¥30,373.54	¥5,080.14	¥25,293.40	¥1,498,749.53
67	¥30,373.54	¥4,995.83	¥25,377.71	¥1,473,371.82
68	¥30,373.54	¥4,911.24	¥25,462.30	¥1,447,909.52
69	¥30,373.54	¥4,826.37	¥25,547.18	¥1,422,362.34
70	¥30,373.54	¥4,741.21	¥25,632.33	¥1,396,730.01
71	¥30,373.54	¥4,655.77	¥25,717.77	¥1,371,012.23
72	¥30,373.54	¥4,570.04	¥25,803.50	¥1,345,208.73
73	¥30,373.54	¥4,484.03	¥25,889.51	¥1,319,319.22
74	¥30,373.54	¥4,397.73	¥25,975.81	¥1,293,343.41
75	¥30,373.54	¥4,311.14	¥26,062.40	¥1,267,281.01
76	¥30,373.54	¥4,224.27	¥26,149.27	¥1,241,131.74
77	¥30,373.54	¥4,137.11	¥26,236.44	¥1,214,895.30
78	¥30,373.54	¥4,049.65	¥26,323.89	¥1,188,571.41
79	¥30,373.54	¥3,961.90	¥26,411.64	¥1,162,159.78
80	¥30,373.54	¥3,873.87	¥26,499.68	¥1,135,660.10
81	¥30,373.54	¥3,785.53	¥26,588.01	¥1,109,072.09
82	¥30,373.54	¥3,696.91	¥26,676.63	¥1,082,395.46
83	¥30,373.54	¥3,607.98	¥26,765.56	¥1,055,629.90
84	¥30,373.54	¥3,518.77	¥26,854.78	¥1,028,775.13
85	¥30,373.54	¥3,429.25	¥26,944.29	¥1,001,830.84
86	¥30,373.54	¥3,339.44	¥27,034.11	¥974,796.73
87	¥30,373.54	¥3,249.32	¥27,124.22	¥947,672.51
88	¥30,373.54	¥3,158.91	¥27,214.63	¥920,457.88
89	¥30,373.54	¥3,068.19	¥27,305.35	¥893,152.53
90	¥30,373.54	¥2,977.18	¥27,396.37	¥865,756.16
91	¥30,373.54	¥2,885.85	¥27,487.69	¥838,268.48
92	¥30,373.54	¥2,794.23	¥27,579.31	¥810,689.16
93	¥30,373.54	¥2,702.30	¥27,671.24	¥783,017.92
94	¥30,373.54	¥2,610.06	¥27,763.48	¥755,254.44
95	¥30,373.54	¥2,517.51	¥27,856.03	¥727,398.41
96	¥30,373.54	¥2,424.66	¥27,948.88	¥699,449.53
97	¥30,373.54	¥2,331.50	¥28,042.04	¥671,407.49
98	¥30,373.54	¥2,238.02	¥28,135.52	¥643,271.97
99	¥30,373.54	¥2,144.24	¥28,229.30	¥615,042.67
100	¥30,373.54	¥2,050.14	¥28,323.40	¥586,719.27
101	¥30,373.54	¥1,955.73	¥28,417.81	¥558,301.46
102	¥30,373.54	¥1,861.00	¥28,512.54	¥529,788.92
103	¥30,373.54	¥1,765.96	¥28,607.58	¥501,181.35
104	¥30,373.54	¥1,670.60	¥28,702.94	¥472,478.41
105	¥30,373.54	¥1,574.93	¥28,798.61	¥443,679.79
106	¥30,373.54	¥1,478.93	¥28,894.61	¥414,785.19
107	¥30,373.54	¥1,382.62	¥28,990.92	¥385,794.26
108	¥30,373.54	¥1,285.98	¥29,087.56	¥356,706.70
109	¥30,373.54	¥1,189.02	¥29,184.52	¥327,522.18
110	¥30,373.54	¥1,091.74	¥29,281.80	¥298,240.38
111	¥30,373.54	¥994.13	¥29,379.41	¥268,860.97
112	¥30,373.54	¥896.20	¥29,477.34	¥239,383.64
113	¥30,373.54	¥797.95	¥29,575.60	¥209,808.04
114	¥30,373.54	¥699.36	¥29,674.18	¥180,133.86
115	¥30,373.54	¥600.45	¥29,773.10	¥150,360.76
116	¥30,373.54	¥501.20	¥29,872.34	¥120,488.42
117	¥30,373.54	¥401.63	¥29,971.91	¥90,516.51
118	¥30,373.54	¥301.72	¥30,071.82	¥60,444.69
119	¥30,373.54	¥201.48	¥30,172.06	¥30,272.63
120	¥30,373.54	¥100.91	¥30,272.63	¥0.00

¥35,000.00

等额本金 / 首月还款金额

贷款类型：等额本金

利息总额：¥605,000.00

还款总额：¥3,605,000.00

期数	每月还款	偿还利息	偿还本金	剩余本金


1	¥35,000.00	¥10,000.00	¥25,000.00	¥2,975,000.00
2	¥34,916.67	¥9,916.67	¥25,000.00	¥2,950,000.00
3	¥34,833.33	¥9,833.33	¥25,000.00	¥2,925,000.00
4	¥34,750.00	¥9,750.00	¥25,000.00	¥2,900,000.00
5	¥34,666.67	¥9,666.67	¥25,000.00	¥2,875,000.00
6	¥34,583.33	¥9,583.33	¥25,000.00	¥2,850,000.00
7	¥34,500.00	¥9,500.00	¥25,000.00	¥2,825,000.00
8	¥34,416.67	¥9,416.67	¥25,000.00	¥2,800,000.00
9	¥34,333.33	¥9,333.33	¥25,000.00	¥2,775,000.00
10	¥34,250.00	¥9,250.00	¥25,000.00	¥2,750,000.00
11	¥34,166.67	¥9,166.67	¥25,000.00	¥2,725,000.00
12	¥34,083.33	¥9,083.33	¥25,000.00	¥2,700,000.00
13	¥34,000.00	¥9,000.00	¥25,000.00	¥2,675,000.00
14	¥33,916.67	¥8,916.67	¥25,000.00	¥2,650,000.00
15	¥33,833.33	¥8,833.33	¥25,000.00	¥2,625,000.00
16	¥33,750.00	¥8,750.00	¥25,000.00	¥2,600,000.00
17	¥33,666.67	¥8,666.67	¥25,000.00	¥2,575,000.00
18	¥33,583.33	¥8,583.33	¥25,000.00	¥2,550,000.00
19	¥33,500.00	¥8,500.00	¥25,000.00	¥2,525,000.00
20	¥33,416.67	¥8,416.67	¥25,000.00	¥2,500,000.00
21	¥33,333.33	¥8,333.33	¥25,000.00	¥2,475,000.00
22	¥33,250.00	¥8,250.00	¥25,000.00	¥2,450,000.00
23	¥33,166.67	¥8,166.67	¥25,000.00	¥2,425,000.00
24	¥33,083.33	¥8,083.33	¥25,000.00	¥2,400,000.00
25	¥33,000.00	¥8,000.00	¥25,000.00	¥2,375,000.00
26	¥32,916.67	¥7,916.67	¥25,000.00	¥2,350,000.00
27	¥32,833.33	¥7,833.33	¥25,000.00	¥2,325,000.00
28	¥32,750.00	¥7,750.00	¥25,000.00	¥2,300,000.00
29	¥32,666.67	¥7,666.67	¥25,000.00	¥2,275,000.00
30	¥32,583.33	¥7,583.33	¥25,000.00	¥2,250,000.00
31	¥32,500.00	¥7,500.00	¥25,000.00	¥2,225,000.00
32	¥32,416.67	¥7,416.67	¥25,000.00	¥2,200,000.00
33	¥32,333.33	¥7,333.33	¥25,000.00	¥2,175,000.00
34	¥32,250.00	¥7,250.00	¥25,000.00	¥2,150,000.00
35	¥32,166.67	¥7,166.67	¥25,000.00	¥2,125,000.00
36	¥32,083.33	¥7,083.33	¥25,000.00	¥2,100,000.00
37	¥32,000.00	¥7,000.00	¥25,000.00	¥2,075,000.00
38	¥31,916.67	¥6,916.67	¥25,000.00	¥2,050,000.00
39	¥31,833.33	¥6,833.33	¥25,000.00	¥2,025,000.00
40	¥31,750.00	¥6,750.00	¥25,000.00	¥2,000,000.00
41	¥31,666.67	¥6,666.67	¥25,000.00	¥1,975,000.00
42	¥31,583.33	¥6,583.33	¥25,000.00	¥1,950,000.00
43	¥31,500.00	¥6,500.00	¥25,000.00	¥1,925,000.00
44	¥31,416.67	¥6,416.67	¥25,000.00	¥1,900,000.00
45	¥31,333.33	¥6,333.33	¥25,000.00	¥1,875,000.00
46	¥31,250.00	¥6,250.00	¥25,000.00	¥1,850,000.00
47	¥31,166.67	¥6,166.67	¥25,000.00	¥1,825,000.00
48	¥31,083.33	¥6,083.33	¥25,000.00	¥1,800,000.00
49	¥31,000.00	¥6,000.00	¥25,000.00	¥1,775,000.00
50	¥30,916.67	¥5,916.67	¥25,000.00	¥1,750,000.00
51	¥30,833.33	¥5,833.33	¥25,000.00	¥1,725,000.00
52	¥30,750.00	¥5,750.00	¥25,000.00	¥1,700,000.00
53	¥30,666.67	¥5,666.67	¥25,000.00	¥1,675,000.00
54	¥30,583.33	¥5,583.33	¥25,000.00	¥1,650,000.00
55	¥30,500.00	¥5,500.00	¥25,000.00	¥1,625,000.00
56	¥30,416.67	¥5,416.67	¥25,000.00	¥1,600,000.00
57	¥30,333.33	¥5,333.33	¥25,000.00	¥1,575,000.00
58	¥30,250.00	¥5,250.00	¥25,000.00	¥1,550,000.00
59	¥30,166.67	¥5,166.67	¥25,000.00	¥1,525,000.00
60	¥30,083.33	¥5,083.33	¥25,000.00	¥1,500,000.00
61	¥30,000.00	¥5,000.00	¥25,000.00	¥1,475,000.00
62	¥29,916.67	¥4,916.67	¥25,000.00	¥1,450,000.00
63	¥29,833.33	¥4,833.33	¥25,000.00	¥1,425,000.00
64	¥29,750.00	¥4,750.00	¥25,000.00	¥1,400,000.00
65	¥29,666.67	¥4,666.67	¥25,000.00	¥1,375,000.00
66	¥29,583.33	¥4,583.33	¥25,000.00	¥1,350,000.00
67	¥29,500.00	¥4,500.00	¥25,000.00	¥1,325,000.00
68	¥29,416.67	¥4,416.67	¥25,000.00	¥1,300,000.00
69	¥29,333.33	¥4,333.33	¥25,000.00	¥1,275,000.00
70	¥29,250.00	¥4,250.00	¥25,000.00	¥1,250,000.00
71	¥29,166.67	¥4,166.67	¥25,000.00	¥1,225,000.00
72	¥29,083.33	¥4,083.33	¥25,000.00	¥1,200,000.00
73	¥29,000.00	¥4,000.00	¥25,000.00	¥1,175,000.00
74	¥28,916.67	¥3,916.67	¥25,000.00	¥1,150,000.00
75	¥28,833.33	¥3,833.33	¥25,000.00	¥1,125,000.00
76	¥28,750.00	¥3,750.00	¥25,000.00	¥1,100,000.00
77	¥28,666.67	¥3,666.67	¥25,000.00	¥1,075,000.00
78	¥28,583.33	¥3,583.33	¥25,000.00	¥1,050,000.00
79	¥28,500.00	¥3,500.00	¥25,000.00	¥1,025,000.00
80	¥28,416.67	¥3,416.67	¥25,000.00	¥1,000,000.00
81	¥28,333.33	¥3,333.33	¥25,000.00	¥975,000.00
82	¥28,250.00	¥3,250.00	¥25,000.00	¥950,000.00
83	¥28,166.67	¥3,166.67	¥25,000.00	¥925,000.00
84	¥28,083.33	¥3,083.33	¥25,000.00	¥900,000.00
85	¥28,000.00	¥3,000.00	¥25,000.00	¥875,000.00
86	¥27,916.67	¥2,916.67	¥25,000.00	¥850,000.00
87	¥27,833.33	¥2,833.33	¥25,000.00	¥825,000.00
88	¥27,750.00	¥2,750.00	¥25,000.00	¥800,000.00
89	¥27,666.67	¥2,666.67	¥25,000.00	¥775,000.00
90	¥27,583.33	¥2,583.33	¥25,000.00	¥750,000.00
91	¥27,500.00	¥2,500.00	¥25,000.00	¥725,000.00
92	¥27,416.67	¥2,416.67	¥25,000.00	¥700,000.00
93	¥27,333.33	¥2,333.33	¥25,000.00	¥675,000.00
94	¥27,250.00	¥2,250.00	¥25,000.00	¥650,000.00
95	¥27,166.67	¥2,166.67	¥25,000.00	¥625,000.00
96	¥27,083.33	¥2,083.33	¥25,000.00	¥600,000.00
97	¥27,000.00	¥2,000.00	¥25,000.00	¥575,000.00
98	¥26,916.67	¥1,916.67	¥25,000.00	¥550,000.00
99	¥26,833.33	¥1,833.33	¥25,000.00	¥525,000.00
100	¥26,750.00	¥1,750.00	¥25,000.00	¥500,000.00
101	¥26,666.67	¥1,666.67	¥25,000.00	¥475,000.00
102	¥26,583.33	¥1,583.33	¥25,000.00	¥450,000.00
103	¥26,500.00	¥1,500.00	¥25,000.00	¥425,000.00
104	¥26,416.67	¥1,416.67	¥25,000.00	¥400,000.00
105	¥26,333.33	¥1,333.33	¥25,000.00	¥375,000.00
106	¥26,250.00	¥1,250.00	¥25,000.00	¥350,000.00
107	¥26,166.67	¥1,166.67	¥25,000.00	¥325,000.00
108	¥26,083.33	¥1,083.33	¥25,000.00	¥300,000.00
109	¥26,000.00	¥1,000.00	¥25,000.00	¥275,000.00
110	¥25,916.67	¥916.67	¥25,000.00	¥250,000.00
111	¥25,833.33	¥833.33	¥25,000.00	¥225,000.00
112	¥25,750.00	¥750.00	¥25,000.00	¥200,000.00
113	¥25,666.67	¥666.67	¥25,000.00	¥175,000.00
114	¥25,583.33	¥583.33	¥25,000.00	¥150,000.00
115	¥25,500.00	¥500.00	¥25,000.00	¥125,000.00
116	¥25,416.67	¥416.67	¥25,000.00	¥100,000.00
117	¥25,333.33	¥333.33	¥25,000.00	¥75,000.00
118	¥25,250.00	¥250.00	¥25,000.00	¥50,000.00
119	¥25,166.67	¥166.67	¥25,000.00	¥25,000.00
120	¥25,083.33	¥83.33	¥25,000.00	¥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。