2025贷款计算器 - 最新利率比较/试算


1	¥35,435.80	¥11,666.67	¥23,769.13	¥3,476,230.87
2	¥35,435.80	¥11,587.44	¥23,848.36	¥3,452,382.51
3	¥35,435.80	¥11,507.94	¥23,927.86	¥3,428,454.65
4	¥35,435.80	¥11,428.18	¥24,007.62	¥3,404,447.03
5	¥35,435.80	¥11,348.16	¥24,087.64	¥3,380,359.39
6	¥35,435.80	¥11,267.86	¥24,167.93	¥3,356,191.46
7	¥35,435.80	¥11,187.30	¥24,248.49	¥3,331,942.96
8	¥35,435.80	¥11,106.48	¥24,329.32	¥3,307,613.64
9	¥35,435.80	¥11,025.38	¥24,410.42	¥3,283,203.22
10	¥35,435.80	¥10,944.01	¥24,491.79	¥3,258,711.44
11	¥35,435.80	¥10,862.37	¥24,573.43	¥3,234,138.01
12	¥35,435.80	¥10,780.46	¥24,655.34	¥3,209,482.67
13	¥35,435.80	¥10,698.28	¥24,737.52	¥3,184,745.15
14	¥35,435.80	¥10,615.82	¥24,819.98	¥3,159,925.17
15	¥35,435.80	¥10,533.08	¥24,902.71	¥3,135,022.45
16	¥35,435.80	¥10,450.07	¥24,985.72	¥3,110,036.73
17	¥35,435.80	¥10,366.79	¥25,069.01	¥3,084,967.72
18	¥35,435.80	¥10,283.23	¥25,152.57	¥3,059,815.15
19	¥35,435.80	¥10,199.38	¥25,236.41	¥3,034,578.73
20	¥35,435.80	¥10,115.26	¥25,320.54	¥3,009,258.20
21	¥35,435.80	¥10,030.86	¥25,404.94	¥2,983,853.26
22	¥35,435.80	¥9,946.18	¥25,489.62	¥2,958,363.64
23	¥35,435.80	¥9,861.21	¥25,574.59	¥2,932,789.05
24	¥35,435.80	¥9,775.96	¥25,659.83	¥2,907,129.22
25	¥35,435.80	¥9,690.43	¥25,745.37	¥2,881,383.85
26	¥35,435.80	¥9,604.61	¥25,831.19	¥2,855,552.66
27	¥35,435.80	¥9,518.51	¥25,917.29	¥2,829,635.37
28	¥35,435.80	¥9,432.12	¥26,003.68	¥2,803,631.69
29	¥35,435.80	¥9,345.44	¥26,090.36	¥2,777,541.33
30	¥35,435.80	¥9,258.47	¥26,177.33	¥2,751,364.01
31	¥35,435.80	¥9,171.21	¥26,264.59	¥2,725,099.42
32	¥35,435.80	¥9,083.66	¥26,352.13	¥2,698,747.29
33	¥35,435.80	¥8,995.82	¥26,439.97	¥2,672,307.31
34	¥35,435.80	¥8,907.69	¥26,528.11	¥2,645,779.21
35	¥35,435.80	¥8,819.26	¥26,616.53	¥2,619,162.67
36	¥35,435.80	¥8,730.54	¥26,705.26	¥2,592,457.42
37	¥35,435.80	¥8,641.52	¥26,794.27	¥2,565,663.14
38	¥35,435.80	¥8,552.21	¥26,883.59	¥2,538,779.55
39	¥35,435.80	¥8,462.60	¥26,973.20	¥2,511,806.35
40	¥35,435.80	¥8,372.69	¥27,063.11	¥2,484,743.24
41	¥35,435.80	¥8,282.48	¥27,153.32	¥2,457,589.92
42	¥35,435.80	¥8,191.97	¥27,243.83	¥2,430,346.09
43	¥35,435.80	¥8,101.15	¥27,334.64	¥2,403,011.45
44	¥35,435.80	¥8,010.04	¥27,425.76	¥2,375,585.69
45	¥35,435.80	¥7,918.62	¥27,517.18	¥2,348,068.51
46	¥35,435.80	¥7,826.90	¥27,608.90	¥2,320,459.60
47	¥35,435.80	¥7,734.87	¥27,700.93	¥2,292,758.67
48	¥35,435.80	¥7,642.53	¥27,793.27	¥2,264,965.40
49	¥35,435.80	¥7,549.88	¥27,885.91	¥2,237,079.49
50	¥35,435.80	¥7,456.93	¥27,978.87	¥2,209,100.62
51	¥35,435.80	¥7,363.67	¥28,072.13	¥2,181,028.49
52	¥35,435.80	¥7,270.09	¥28,165.70	¥2,152,862.79
53	¥35,435.80	¥7,176.21	¥28,259.59	¥2,124,603.20
54	¥35,435.80	¥7,082.01	¥28,353.79	¥2,096,249.41
55	¥35,435.80	¥6,987.50	¥28,448.30	¥2,067,801.11
56	¥35,435.80	¥6,892.67	¥28,543.13	¥2,039,257.98
57	¥35,435.80	¥6,797.53	¥28,638.27	¥2,010,619.71
58	¥35,435.80	¥6,702.07	¥28,733.73	¥1,981,885.98
59	¥35,435.80	¥6,606.29	¥28,829.51	¥1,953,056.47
60	¥35,435.80	¥6,510.19	¥28,925.61	¥1,924,130.86
61	¥35,435.80	¥6,413.77	¥29,022.03	¥1,895,108.83
62	¥35,435.80	¥6,317.03	¥29,118.77	¥1,865,990.06
63	¥35,435.80	¥6,219.97	¥29,215.83	¥1,836,774.23
64	¥35,435.80	¥6,122.58	¥29,313.22	¥1,807,461.01
65	¥35,435.80	¥6,024.87	¥29,410.93	¥1,778,050.08
66	¥35,435.80	¥5,926.83	¥29,508.96	¥1,748,541.12
67	¥35,435.80	¥5,828.47	¥29,607.33	¥1,718,933.79
68	¥35,435.80	¥5,729.78	¥29,706.02	¥1,689,227.77
69	¥35,435.80	¥5,630.76	¥29,805.04	¥1,659,422.73
70	¥35,435.80	¥5,531.41	¥29,904.39	¥1,629,518.34
71	¥35,435.80	¥5,431.73	¥30,004.07	¥1,599,514.27
72	¥35,435.80	¥5,331.71	¥30,104.08	¥1,569,410.19
73	¥35,435.80	¥5,231.37	¥30,204.43	¥1,539,205.76
74	¥35,435.80	¥5,130.69	¥30,305.11	¥1,508,900.64
75	¥35,435.80	¥5,029.67	¥30,406.13	¥1,478,494.51
76	¥35,435.80	¥4,928.32	¥30,507.48	¥1,447,987.03
77	¥35,435.80	¥4,826.62	¥30,609.17	¥1,417,377.86
78	¥35,435.80	¥4,724.59	¥30,711.21	¥1,386,666.65
79	¥35,435.80	¥4,622.22	¥30,813.58	¥1,355,853.07
80	¥35,435.80	¥4,519.51	¥30,916.29	¥1,324,936.79
81	¥35,435.80	¥4,416.46	¥31,019.34	¥1,293,917.44
82	¥35,435.80	¥4,313.06	¥31,122.74	¥1,262,794.70
83	¥35,435.80	¥4,209.32	¥31,226.48	¥1,231,568.22
84	¥35,435.80	¥4,105.23	¥31,330.57	¥1,200,237.65
85	¥35,435.80	¥4,000.79	¥31,435.01	¥1,168,802.64
86	¥35,435.80	¥3,896.01	¥31,539.79	¥1,137,262.85
87	¥35,435.80	¥3,790.88	¥31,644.92	¥1,105,617.93
88	¥35,435.80	¥3,685.39	¥31,750.41	¥1,073,867.53
89	¥35,435.80	¥3,579.56	¥31,856.24	¥1,042,011.29
90	¥35,435.80	¥3,473.37	¥31,962.43	¥1,010,048.86
91	¥35,435.80	¥3,366.83	¥32,068.97	¥977,979.89
92	¥35,435.80	¥3,259.93	¥32,175.87	¥945,804.02
93	¥35,435.80	¥3,152.68	¥32,283.12	¥913,520.91
94	¥35,435.80	¥3,045.07	¥32,390.73	¥881,130.18
95	¥35,435.80	¥2,937.10	¥32,498.70	¥848,631.48
96	¥35,435.80	¥2,828.77	¥32,607.03	¥816,024.45
97	¥35,435.80	¥2,720.08	¥32,715.72	¥783,308.74
98	¥35,435.80	¥2,611.03	¥32,824.77	¥750,483.97
99	¥35,435.80	¥2,501.61	¥32,934.19	¥717,549.78
100	¥35,435.80	¥2,391.83	¥33,043.97	¥684,505.82
101	¥35,435.80	¥2,281.69	¥33,154.11	¥651,351.70
102	¥35,435.80	¥2,171.17	¥33,264.63	¥618,087.08
103	¥35,435.80	¥2,060.29	¥33,375.51	¥584,711.57
104	¥35,435.80	¥1,949.04	¥33,486.76	¥551,224.81
105	¥35,435.80	¥1,837.42	¥33,598.38	¥517,626.43
106	¥35,435.80	¥1,725.42	¥33,710.38	¥483,916.05
107	¥35,435.80	¥1,613.05	¥33,822.74	¥450,093.31
108	¥35,435.80	¥1,500.31	¥33,935.49	¥416,157.82
109	¥35,435.80	¥1,387.19	¥34,048.61	¥382,109.21
110	¥35,435.80	¥1,273.70	¥34,162.10	¥347,947.11
111	¥35,435.80	¥1,159.82	¥34,275.97	¥313,671.14
112	¥35,435.80	¥1,045.57	¥34,390.23	¥279,280.91
113	¥35,435.80	¥930.94	¥34,504.86	¥244,776.05
114	¥35,435.80	¥815.92	¥34,619.88	¥210,156.17
115	¥35,435.80	¥700.52	¥34,735.28	¥175,420.89
116	¥35,435.80	¥584.74	¥34,851.06	¥140,569.83
117	¥35,435.80	¥468.57	¥34,967.23	¥105,602.60
118	¥35,435.80	¥352.01	¥35,083.79	¥70,518.81
119	¥35,435.80	¥235.06	¥35,200.74	¥35,318.07
120	¥35,435.80	¥117.73	¥35,318.07	¥0.00

¥40,833.33

等额本金 / 首月还款金额

贷款类型：等额本金

利息总额：¥705,833.33

还款总额：¥4,205,833.33

期数	每月还款	偿还利息	偿还本金	剩余本金


1	¥40,833.33	¥11,666.67	¥29,166.67	¥3,470,833.33
2	¥40,736.11	¥11,569.44	¥29,166.67	¥3,441,666.67
3	¥40,638.89	¥11,472.22	¥29,166.67	¥3,412,500.00
4	¥40,541.67	¥11,375.00	¥29,166.67	¥3,383,333.33
5	¥40,444.44	¥11,277.78	¥29,166.67	¥3,354,166.67
6	¥40,347.22	¥11,180.56	¥29,166.67	¥3,325,000.00
7	¥40,250.00	¥11,083.33	¥29,166.67	¥3,295,833.33
8	¥40,152.78	¥10,986.11	¥29,166.67	¥3,266,666.67
9	¥40,055.56	¥10,888.89	¥29,166.67	¥3,237,500.00
10	¥39,958.33	¥10,791.67	¥29,166.67	¥3,208,333.33
11	¥39,861.11	¥10,694.44	¥29,166.67	¥3,179,166.67
12	¥39,763.89	¥10,597.22	¥29,166.67	¥3,150,000.00
13	¥39,666.67	¥10,500.00	¥29,166.67	¥3,120,833.33
14	¥39,569.44	¥10,402.78	¥29,166.67	¥3,091,666.67
15	¥39,472.22	¥10,305.56	¥29,166.67	¥3,062,500.00
16	¥39,375.00	¥10,208.33	¥29,166.67	¥3,033,333.33
17	¥39,277.78	¥10,111.11	¥29,166.67	¥3,004,166.67
18	¥39,180.56	¥10,013.89	¥29,166.67	¥2,975,000.00
19	¥39,083.33	¥9,916.67	¥29,166.67	¥2,945,833.33
20	¥38,986.11	¥9,819.44	¥29,166.67	¥2,916,666.67
21	¥38,888.89	¥9,722.22	¥29,166.67	¥2,887,500.00
22	¥38,791.67	¥9,625.00	¥29,166.67	¥2,858,333.33
23	¥38,694.44	¥9,527.78	¥29,166.67	¥2,829,166.67
24	¥38,597.22	¥9,430.56	¥29,166.67	¥2,800,000.00
25	¥38,500.00	¥9,333.33	¥29,166.67	¥2,770,833.33
26	¥38,402.78	¥9,236.11	¥29,166.67	¥2,741,666.67
27	¥38,305.56	¥9,138.89	¥29,166.67	¥2,712,500.00
28	¥38,208.33	¥9,041.67	¥29,166.67	¥2,683,333.33
29	¥38,111.11	¥8,944.44	¥29,166.67	¥2,654,166.67
30	¥38,013.89	¥8,847.22	¥29,166.67	¥2,625,000.00
31	¥37,916.67	¥8,750.00	¥29,166.67	¥2,595,833.33
32	¥37,819.44	¥8,652.78	¥29,166.67	¥2,566,666.67
33	¥37,722.22	¥8,555.56	¥29,166.67	¥2,537,500.00
34	¥37,625.00	¥8,458.33	¥29,166.67	¥2,508,333.33
35	¥37,527.78	¥8,361.11	¥29,166.67	¥2,479,166.67
36	¥37,430.56	¥8,263.89	¥29,166.67	¥2,450,000.00
37	¥37,333.33	¥8,166.67	¥29,166.67	¥2,420,833.33
38	¥37,236.11	¥8,069.44	¥29,166.67	¥2,391,666.67
39	¥37,138.89	¥7,972.22	¥29,166.67	¥2,362,500.00
40	¥37,041.67	¥7,875.00	¥29,166.67	¥2,333,333.33
41	¥36,944.44	¥7,777.78	¥29,166.67	¥2,304,166.67
42	¥36,847.22	¥7,680.56	¥29,166.67	¥2,275,000.00
43	¥36,750.00	¥7,583.33	¥29,166.67	¥2,245,833.33
44	¥36,652.78	¥7,486.11	¥29,166.67	¥2,216,666.67
45	¥36,555.56	¥7,388.89	¥29,166.67	¥2,187,500.00
46	¥36,458.33	¥7,291.67	¥29,166.67	¥2,158,333.33
47	¥36,361.11	¥7,194.44	¥29,166.67	¥2,129,166.67
48	¥36,263.89	¥7,097.22	¥29,166.67	¥2,100,000.00
49	¥36,166.67	¥7,000.00	¥29,166.67	¥2,070,833.33
50	¥36,069.44	¥6,902.78	¥29,166.67	¥2,041,666.67
51	¥35,972.22	¥6,805.56	¥29,166.67	¥2,012,500.00
52	¥35,875.00	¥6,708.33	¥29,166.67	¥1,983,333.33
53	¥35,777.78	¥6,611.11	¥29,166.67	¥1,954,166.67
54	¥35,680.56	¥6,513.89	¥29,166.67	¥1,925,000.00
55	¥35,583.33	¥6,416.67	¥29,166.67	¥1,895,833.33
56	¥35,486.11	¥6,319.44	¥29,166.67	¥1,866,666.67
57	¥35,388.89	¥6,222.22	¥29,166.67	¥1,837,500.00
58	¥35,291.67	¥6,125.00	¥29,166.67	¥1,808,333.33
59	¥35,194.44	¥6,027.78	¥29,166.67	¥1,779,166.67
60	¥35,097.22	¥5,930.56	¥29,166.67	¥1,750,000.00
61	¥35,000.00	¥5,833.33	¥29,166.67	¥1,720,833.33
62	¥34,902.78	¥5,736.11	¥29,166.67	¥1,691,666.67
63	¥34,805.56	¥5,638.89	¥29,166.67	¥1,662,500.00
64	¥34,708.33	¥5,541.67	¥29,166.67	¥1,633,333.33
65	¥34,611.11	¥5,444.44	¥29,166.67	¥1,604,166.67
66	¥34,513.89	¥5,347.22	¥29,166.67	¥1,575,000.00
67	¥34,416.67	¥5,250.00	¥29,166.67	¥1,545,833.33
68	¥34,319.44	¥5,152.78	¥29,166.67	¥1,516,666.67
69	¥34,222.22	¥5,055.56	¥29,166.67	¥1,487,500.00
70	¥34,125.00	¥4,958.33	¥29,166.67	¥1,458,333.33
71	¥34,027.78	¥4,861.11	¥29,166.67	¥1,429,166.67
72	¥33,930.56	¥4,763.89	¥29,166.67	¥1,400,000.00
73	¥33,833.33	¥4,666.67	¥29,166.67	¥1,370,833.33
74	¥33,736.11	¥4,569.44	¥29,166.67	¥1,341,666.67
75	¥33,638.89	¥4,472.22	¥29,166.67	¥1,312,500.00
76	¥33,541.67	¥4,375.00	¥29,166.67	¥1,283,333.33
77	¥33,444.44	¥4,277.78	¥29,166.67	¥1,254,166.67
78	¥33,347.22	¥4,180.56	¥29,166.67	¥1,225,000.00
79	¥33,250.00	¥4,083.33	¥29,166.67	¥1,195,833.33
80	¥33,152.78	¥3,986.11	¥29,166.67	¥1,166,666.67
81	¥33,055.56	¥3,888.89	¥29,166.67	¥1,137,500.00
82	¥32,958.33	¥3,791.67	¥29,166.67	¥1,108,333.33
83	¥32,861.11	¥3,694.44	¥29,166.67	¥1,079,166.67
84	¥32,763.89	¥3,597.22	¥29,166.67	¥1,050,000.00
85	¥32,666.67	¥3,500.00	¥29,166.67	¥1,020,833.33
86	¥32,569.44	¥3,402.78	¥29,166.67	¥991,666.67
87	¥32,472.22	¥3,305.56	¥29,166.67	¥962,500.00
88	¥32,375.00	¥3,208.33	¥29,166.67	¥933,333.33
89	¥32,277.78	¥3,111.11	¥29,166.67	¥904,166.67
90	¥32,180.56	¥3,013.89	¥29,166.67	¥875,000.00
91	¥32,083.33	¥2,916.67	¥29,166.67	¥845,833.33
92	¥31,986.11	¥2,819.44	¥29,166.67	¥816,666.67
93	¥31,888.89	¥2,722.22	¥29,166.67	¥787,500.00
94	¥31,791.67	¥2,625.00	¥29,166.67	¥758,333.33
95	¥31,694.44	¥2,527.78	¥29,166.67	¥729,166.67
96	¥31,597.22	¥2,430.56	¥29,166.67	¥700,000.00
97	¥31,500.00	¥2,333.33	¥29,166.67	¥670,833.33
98	¥31,402.78	¥2,236.11	¥29,166.67	¥641,666.67
99	¥31,305.56	¥2,138.89	¥29,166.67	¥612,500.00
100	¥31,208.33	¥2,041.67	¥29,166.67	¥583,333.33
101	¥31,111.11	¥1,944.44	¥29,166.67	¥554,166.67
102	¥31,013.89	¥1,847.22	¥29,166.67	¥525,000.00
103	¥30,916.67	¥1,750.00	¥29,166.67	¥495,833.33
104	¥30,819.44	¥1,652.78	¥29,166.67	¥466,666.67
105	¥30,722.22	¥1,555.56	¥29,166.67	¥437,500.00
106	¥30,625.00	¥1,458.33	¥29,166.67	¥408,333.33
107	¥30,527.78	¥1,361.11	¥29,166.67	¥379,166.67
108	¥30,430.56	¥1,263.89	¥29,166.67	¥350,000.00
109	¥30,333.33	¥1,166.67	¥29,166.67	¥320,833.33
110	¥30,236.11	¥1,069.44	¥29,166.67	¥291,666.67
111	¥30,138.89	¥972.22	¥29,166.67	¥262,500.00
112	¥30,041.67	¥875.00	¥29,166.67	¥233,333.33
113	¥29,944.44	¥777.78	¥29,166.67	¥204,166.67
114	¥29,847.22	¥680.56	¥29,166.67	¥175,000.00
115	¥29,750.00	¥583.33	¥29,166.67	¥145,833.33
116	¥29,652.78	¥486.11	¥29,166.67	¥116,666.67
117	¥29,555.56	¥388.89	¥29,166.67	¥87,500.00
118	¥29,458.33	¥291.67	¥29,166.67	¥58,333.33
119	¥29,361.11	¥194.44	¥29,166.67	¥29,166.67
120	¥29,263.89	¥97.22	¥29,166.67	¥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。