2025贷款计算器 - 最新利率比较/试算

贷款金额350万元，贷款20年，利率4.00%，总利息为1590235元，每个月还款21209元（使用等额本息）

房贷计算器：商业贷款 / 公积金贷款（2025贷款计算器 - 最新利率比较/试算）
元
20年 (240期)
%

更多贷款速算： 贷款100万元30年

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"等额本息"与"等额本金" 利息及还款金额对比分析
¥21,209.31
等额本息 / 每月还款金额

贷款类型：等额本息

利息总额：¥1,590,234.77

还款总额：¥5,090,234.77

期数每月还款偿还利息偿还本金剩余本金
1¥21,209.31¥11,666.67¥9,542.64¥3,490,457.36
2¥21,209.31¥11,634.86¥9,574.45¥3,480,882.90
3¥21,209.31¥11,602.94¥9,606.37¥3,471,276.53
4¥21,209.31¥11,570.92¥9,638.39¥3,461,638.14
5¥21,209.31¥11,538.79¥9,670.52¥3,451,967.63
6¥21,209.31¥11,506.56¥9,702.75¥3,442,264.87
7¥21,209.31¥11,474.22¥9,735.10¥3,432,529.78
8¥21,209.31¥11,441.77¥9,767.55¥3,422,762.23
9¥21,209.31¥11,409.21¥9,800.10¥3,412,962.13
10¥21,209.31¥11,376.54¥9,832.77¥3,403,129.36
11¥21,209.31¥11,343.76¥9,865.55¥3,393,263.81
12¥21,209.31¥11,310.88¥9,898.43¥3,383,365.38
13¥21,209.31¥11,277.88¥9,931.43¥3,373,433.95
14¥21,209.31¥11,244.78¥9,964.53¥3,363,469.42
15¥21,209.31¥11,211.56¥9,997.75¥3,353,471.67
16¥21,209.31¥11,178.24¥10,031.07¥3,343,440.60
17¥21,209.31¥11,144.80¥10,064.51¥3,333,376.09
18¥21,209.31¥11,111.25¥10,098.06¥3,323,278.03
19¥21,209.31¥11,077.59¥10,131.72¥3,313,146.31
20¥21,209.31¥11,043.82¥10,165.49¥3,302,980.82
21¥21,209.31¥11,009.94¥10,199.38¥3,292,781.45
22¥21,209.31¥10,975.94¥10,233.37¥3,282,548.07
23¥21,209.31¥10,941.83¥10,267.48¥3,272,280.59
24¥21,209.31¥10,907.60¥10,301.71¥3,261,978.88
25¥21,209.31¥10,873.26¥10,336.05¥3,251,642.83
26¥21,209.31¥10,838.81¥10,370.50¥3,241,272.33
27¥21,209.31¥10,804.24¥10,405.07¥3,230,867.26
28¥21,209.31¥10,769.56¥10,439.75¥3,220,427.51
29¥21,209.31¥10,734.76¥10,474.55¥3,209,952.95
30¥21,209.31¥10,699.84¥10,509.47¥3,199,443.48
31¥21,209.31¥10,664.81¥10,544.50¥3,188,898.98
32¥21,209.31¥10,629.66¥10,579.65¥3,178,319.34
33¥21,209.31¥10,594.40¥10,614.91¥3,167,704.42
34¥21,209.31¥10,559.01¥10,650.30¥3,157,054.13
35¥21,209.31¥10,523.51¥10,685.80¥3,146,368.33
36¥21,209.31¥10,487.89¥10,721.42¥3,135,646.91
37¥21,209.31¥10,452.16¥10,757.16¥3,124,889.76
38¥21,209.31¥10,416.30¥10,793.01¥3,114,096.74
39¥21,209.31¥10,380.32¥10,828.99¥3,103,267.75
40¥21,209.31¥10,344.23¥10,865.09¥3,092,402.67
41¥21,209.31¥10,308.01¥10,901.30¥3,081,501.37
42¥21,209.31¥10,271.67¥10,937.64¥3,070,563.73
43¥21,209.31¥10,235.21¥10,974.10¥3,059,589.63
44¥21,209.31¥10,198.63¥11,010.68¥3,048,578.95
45¥21,209.31¥10,161.93¥11,047.38¥3,037,531.56
46¥21,209.31¥10,125.11¥11,084.21¥3,026,447.36
47¥21,209.31¥10,088.16¥11,121.15¥3,015,326.20
48¥21,209.31¥10,051.09¥11,158.22¥3,004,167.98
49¥21,209.31¥10,013.89¥11,195.42¥2,992,972.56
50¥21,209.31¥9,976.58¥11,232.74¥2,981,739.83
51¥21,209.31¥9,939.13¥11,270.18¥2,970,469.65
52¥21,209.31¥9,901.57¥11,307.75¥2,959,161.90
53¥21,209.31¥9,863.87¥11,345.44¥2,947,816.46
54¥21,209.31¥9,826.05¥11,383.26¥2,936,433.21
55¥21,209.31¥9,788.11¥11,421.20¥2,925,012.01
56¥21,209.31¥9,750.04¥11,459.27¥2,913,552.73
57¥21,209.31¥9,711.84¥11,497.47¥2,902,055.26
58¥21,209.31¥9,673.52¥11,535.79¥2,890,519.47
59¥21,209.31¥9,635.06¥11,574.25¥2,878,945.22
60¥21,209.31¥9,596.48¥11,612.83¥2,867,332.40
61¥21,209.31¥9,557.77¥11,651.54¥2,855,680.86
62¥21,209.31¥9,518.94¥11,690.38¥2,843,990.48
63¥21,209.31¥9,479.97¥11,729.34¥2,832,261.14
64¥21,209.31¥9,440.87¥11,768.44¥2,820,492.70
65¥21,209.31¥9,401.64¥11,807.67¥2,808,685.03
66¥21,209.31¥9,362.28¥11,847.03¥2,796,838.00
67¥21,209.31¥9,322.79¥11,886.52¥2,784,951.48
68¥21,209.31¥9,283.17¥11,926.14¥2,773,025.34
69¥21,209.31¥9,243.42¥11,965.89¥2,761,059.45
70¥21,209.31¥9,203.53¥12,005.78¥2,749,053.67
71¥21,209.31¥9,163.51¥12,045.80¥2,737,007.87
72¥21,209.31¥9,123.36¥12,085.95¥2,724,921.92
73¥21,209.31¥9,083.07¥12,126.24¥2,712,795.68
74¥21,209.31¥9,042.65¥12,166.66¥2,700,629.02
75¥21,209.31¥9,002.10¥12,207.21¥2,688,421.81
76¥21,209.31¥8,961.41¥12,247.91¥2,676,173.90
77¥21,209.31¥8,920.58¥12,288.73¥2,663,885.17
78¥21,209.31¥8,879.62¥12,329.69¥2,651,555.48
79¥21,209.31¥8,838.52¥12,370.79¥2,639,184.68
80¥21,209.31¥8,797.28¥12,412.03¥2,626,772.65
81¥21,209.31¥8,755.91¥12,453.40¥2,614,319.25
82¥21,209.31¥8,714.40¥12,494.91¥2,601,824.34
83¥21,209.31¥8,672.75¥12,536.56¥2,589,287.77
84¥21,209.31¥8,630.96¥12,578.35¥2,576,709.42
85¥21,209.31¥8,589.03¥12,620.28¥2,564,089.14
86¥21,209.31¥8,546.96¥12,662.35¥2,551,426.79
87¥21,209.31¥8,504.76¥12,704.56¥2,538,722.24
88¥21,209.31¥8,462.41¥12,746.90¥2,525,975.33
89¥21,209.31¥8,419.92¥12,789.39¥2,513,185.94
90¥21,209.31¥8,377.29¥12,832.03¥2,500,353.91
91¥21,209.31¥8,334.51¥12,874.80¥2,487,479.12
92¥21,209.31¥8,291.60¥12,917.71¥2,474,561.40
93¥21,209.31¥8,248.54¥12,960.77¥2,461,600.63
94¥21,209.31¥8,205.34¥13,003.98¥2,448,596.65
95¥21,209.31¥8,161.99¥13,047.32¥2,435,549.33
96¥21,209.31¥8,118.50¥13,090.81¥2,422,458.52
97¥21,209.31¥8,074.86¥13,134.45¥2,409,324.07
98¥21,209.31¥8,031.08¥13,178.23¥2,396,145.83
99¥21,209.31¥7,987.15¥13,222.16¥2,382,923.68
100¥21,209.31¥7,943.08¥13,266.23¥2,369,657.44
101¥21,209.31¥7,898.86¥13,310.45¥2,356,346.99
102¥21,209.31¥7,854.49¥13,354.82¥2,342,992.17
103¥21,209.31¥7,809.97¥13,399.34¥2,329,592.83
104¥21,209.31¥7,765.31¥13,444.00¥2,316,148.83
105¥21,209.31¥7,720.50¥13,488.82¥2,302,660.01
106¥21,209.31¥7,675.53¥13,533.78¥2,289,126.23
107¥21,209.31¥7,630.42¥13,578.89¥2,275,547.34
108¥21,209.31¥7,585.16¥13,624.15¥2,261,923.19
109¥21,209.31¥7,539.74¥13,669.57¥2,248,253.62
110¥21,209.31¥7,494.18¥13,715.13¥2,234,538.49
111¥21,209.31¥7,448.46¥13,760.85¥2,220,777.64
112¥21,209.31¥7,402.59¥13,806.72¥2,206,970.92
113¥21,209.31¥7,356.57¥13,852.74¥2,193,118.18
114¥21,209.31¥7,310.39¥13,898.92¥2,179,219.26
115¥21,209.31¥7,264.06¥13,945.25¥2,165,274.01
116¥21,209.31¥7,217.58¥13,991.73¥2,151,282.28
117¥21,209.31¥7,170.94¥14,038.37¥2,137,243.91
118¥21,209.31¥7,124.15¥14,085.17¥2,123,158.75
119¥21,209.31¥7,077.20¥14,132.12¥2,109,026.63
120¥21,209.31¥7,030.09¥14,179.22¥2,094,847.41
121¥21,209.31¥6,982.82¥14,226.49¥2,080,620.92
122¥21,209.31¥6,935.40¥14,273.91¥2,066,347.01
123¥21,209.31¥6,887.82¥14,321.49¥2,052,025.52
124¥21,209.31¥6,840.09¥14,369.23¥2,037,656.30
125¥21,209.31¥6,792.19¥14,417.12¥2,023,239.17
126¥21,209.31¥6,744.13¥14,465.18¥2,008,773.99
127¥21,209.31¥6,695.91¥14,513.40¥1,994,260.60
128¥21,209.31¥6,647.54¥14,561.78¥1,979,698.82
129¥21,209.31¥6,599.00¥14,610.32¥1,965,088.50
130¥21,209.31¥6,550.30¥14,659.02¥1,950,429.49
131¥21,209.31¥6,501.43¥14,707.88¥1,935,721.61
132¥21,209.31¥6,452.41¥14,756.91¥1,920,964.70
133¥21,209.31¥6,403.22¥14,806.10¥1,906,158.60
134¥21,209.31¥6,353.86¥14,855.45¥1,891,303.16
135¥21,209.31¥6,304.34¥14,904.97¥1,876,398.19
136¥21,209.31¥6,254.66¥14,954.65¥1,861,443.54
137¥21,209.31¥6,204.81¥15,004.50¥1,846,439.04
138¥21,209.31¥6,154.80¥15,054.51¥1,831,384.52
139¥21,209.31¥6,104.62¥15,104.70¥1,816,279.83
140¥21,209.31¥6,054.27¥15,155.05¥1,801,124.78
141¥21,209.31¥6,003.75¥15,205.56¥1,785,919.22
142¥21,209.31¥5,953.06¥15,256.25¥1,770,662.97
143¥21,209.31¥5,902.21¥15,307.10¥1,755,355.87
144¥21,209.31¥5,851.19¥15,358.13¥1,739,997.74
145¥21,209.31¥5,799.99¥15,409.32¥1,724,588.42
146¥21,209.31¥5,748.63¥15,460.68¥1,709,127.74
147¥21,209.31¥5,697.09¥15,512.22¥1,693,615.52
148¥21,209.31¥5,645.39¥15,563.93¥1,678,051.60
149¥21,209.31¥5,593.51¥15,615.81¥1,662,435.79
150¥21,209.31¥5,541.45¥15,667.86¥1,646,767.93
151¥21,209.31¥5,489.23¥15,720.09¥1,631,047.85
152¥21,209.31¥5,436.83¥15,772.49¥1,615,275.36
153¥21,209.31¥5,384.25¥15,825.06¥1,599,450.30
154¥21,209.31¥5,331.50¥15,877.81¥1,583,572.49
155¥21,209.31¥5,278.57¥15,930.74¥1,567,641.75
156¥21,209.31¥5,225.47¥15,983.84¥1,551,657.91
157¥21,209.31¥5,172.19¥16,037.12¥1,535,620.80
158¥21,209.31¥5,118.74¥16,090.58¥1,519,530.22
159¥21,209.31¥5,065.10¥16,144.21¥1,503,386.01
160¥21,209.31¥5,011.29¥16,198.02¥1,487,187.98
161¥21,209.31¥4,957.29¥16,252.02¥1,470,935.97
162¥21,209.31¥4,903.12¥16,306.19¥1,454,629.77
163¥21,209.31¥4,848.77¥16,360.55¥1,438,269.23
164¥21,209.31¥4,794.23¥16,415.08¥1,421,854.15
165¥21,209.31¥4,739.51¥16,469.80¥1,405,384.35
166¥21,209.31¥4,684.61¥16,524.70¥1,388,859.65
167¥21,209.31¥4,629.53¥16,579.78¥1,372,279.87
168¥21,209.31¥4,574.27¥16,635.05¥1,355,644.83
169¥21,209.31¥4,518.82¥16,690.50¥1,338,954.33
170¥21,209.31¥4,463.18¥16,746.13¥1,322,208.20
171¥21,209.31¥4,407.36¥16,801.95¥1,305,406.25
172¥21,209.31¥4,351.35¥16,857.96¥1,288,548.29
173¥21,209.31¥4,295.16¥16,914.15¥1,271,634.14
174¥21,209.31¥4,238.78¥16,970.53¥1,254,663.61
175¥21,209.31¥4,182.21¥17,027.10¥1,237,636.51
176¥21,209.31¥4,125.46¥17,083.86¥1,220,552.66
177¥21,209.31¥4,068.51¥17,140.80¥1,203,411.85
178¥21,209.31¥4,011.37¥17,197.94¥1,186,213.92
179¥21,209.31¥3,954.05¥17,255.27¥1,168,958.65
180¥21,209.31¥3,896.53¥17,312.78¥1,151,645.87
181¥21,209.31¥3,838.82¥17,370.49¥1,134,275.38
182¥21,209.31¥3,780.92¥17,428.39¥1,116,846.98
183¥21,209.31¥3,722.82¥17,486.49¥1,099,360.49
184¥21,209.31¥3,664.53¥17,544.78¥1,081,815.72
185¥21,209.31¥3,606.05¥17,603.26¥1,064,212.46
186¥21,209.31¥3,547.37¥17,661.94¥1,046,550.52
187¥21,209.31¥3,488.50¥17,720.81¥1,028,829.71
188¥21,209.31¥3,429.43¥17,779.88¥1,011,049.83
189¥21,209.31¥3,370.17¥17,839.15¥993,210.69
190¥21,209.31¥3,310.70¥17,898.61¥975,312.08
191¥21,209.31¥3,251.04¥17,958.27¥957,353.81
192¥21,209.31¥3,191.18¥18,018.13¥939,335.67
193¥21,209.31¥3,131.12¥18,078.19¥921,257.48
194¥21,209.31¥3,070.86¥18,138.45¥903,119.03
195¥21,209.31¥3,010.40¥18,198.91¥884,920.11
196¥21,209.31¥2,949.73¥18,259.58¥866,660.54
197¥21,209.31¥2,888.87¥18,320.44¥848,340.09
198¥21,209.31¥2,827.80¥18,381.51¥829,958.58
199¥21,209.31¥2,766.53¥18,442.78¥811,515.80
200¥21,209.31¥2,705.05¥18,504.26¥793,011.54
201¥21,209.31¥2,643.37¥18,565.94¥774,445.60
202¥21,209.31¥2,581.49¥18,627.83¥755,817.77
203¥21,209.31¥2,519.39¥18,689.92¥737,127.86
204¥21,209.31¥2,457.09¥18,752.22¥718,375.64
205¥21,209.31¥2,394.59¥18,814.73¥699,560.91
206¥21,209.31¥2,331.87¥18,877.44¥680,683.47
207¥21,209.31¥2,268.94¥18,940.37¥661,743.10
208¥21,209.31¥2,205.81¥19,003.50¥642,739.60
209¥21,209.31¥2,142.47¥19,066.85¥623,672.75
210¥21,209.31¥2,078.91¥19,130.40¥604,542.35
211¥21,209.31¥2,015.14¥19,194.17¥585,348.18
212¥21,209.31¥1,951.16¥19,258.15¥566,090.03
213¥21,209.31¥1,886.97¥19,322.34¥546,767.69
214¥21,209.31¥1,822.56¥19,386.75¥527,380.93
215¥21,209.31¥1,757.94¥19,451.38¥507,929.56
216¥21,209.31¥1,693.10¥19,516.21¥488,413.35
217¥21,209.31¥1,628.04¥19,581.27¥468,832.08
218¥21,209.31¥1,562.77¥19,646.54¥449,185.54
219¥21,209.31¥1,497.29¥19,712.03¥429,473.51
220¥21,209.31¥1,431.58¥19,777.73¥409,695.78
221¥21,209.31¥1,365.65¥19,843.66¥389,852.12
222¥21,209.31¥1,299.51¥19,909.80¥369,942.32
223¥21,209.31¥1,233.14¥19,976.17¥349,966.15
224¥21,209.31¥1,166.55¥20,042.76¥329,923.39
225¥21,209.31¥1,099.74¥20,109.57¥309,813.82
226¥21,209.31¥1,032.71¥20,176.60¥289,637.22
227¥21,209.31¥965.46¥20,243.85¥269,393.37
228¥21,209.31¥897.98¥20,311.33¥249,082.04
229¥21,209.31¥830.27¥20,379.04¥228,703.00
230¥21,209.31¥762.34¥20,446.97¥208,256.03
231¥21,209.31¥694.19¥20,515.12¥187,740.91
232¥21,209.31¥625.80¥20,583.51¥167,157.40
233¥21,209.31¥557.19¥20,652.12¥146,505.28
234¥21,209.31¥488.35¥20,720.96¥125,784.32
235¥21,209.31¥419.28¥20,790.03¥104,994.29
236¥21,209.31¥349.98¥20,859.33¥84,134.95
237¥21,209.31¥280.45¥20,928.86¥63,206.09
238¥21,209.31¥210.69¥20,998.62¥42,207.47
239¥21,209.31¥140.69¥21,068.62¥21,138.85
240¥21,209.31¥70.46¥21,138.85¥0.00
¥26,250.00
等额本金 / 首月还款金额

贷款类型：等额本金

利息总额：¥1,405,833.33

还款总额：¥4,905,833.33

期数每月还款偿还利息偿还本金剩余本金
1¥26,250.00¥11,666.67¥14,583.33¥3,485,416.67
2¥26,201.39¥11,618.06¥14,583.33¥3,470,833.33
3¥26,152.78¥11,569.44¥14,583.33¥3,456,250.00
4¥26,104.17¥11,520.83¥14,583.33¥3,441,666.67
5¥26,055.56¥11,472.22¥14,583.33¥3,427,083.33
6¥26,006.94¥11,423.61¥14,583.33¥3,412,500.00
7¥25,958.33¥11,375.00¥14,583.33¥3,397,916.67
8¥25,909.72¥11,326.39¥14,583.33¥3,383,333.33
9¥25,861.11¥11,277.78¥14,583.33¥3,368,750.00
10¥25,812.50¥11,229.17¥14,583.33¥3,354,166.67
11¥25,763.89¥11,180.56¥14,583.33¥3,339,583.33
12¥25,715.28¥11,131.94¥14,583.33¥3,325,000.00
13¥25,666.67¥11,083.33¥14,583.33¥3,310,416.67
14¥25,618.06¥11,034.72¥14,583.33¥3,295,833.33
15¥25,569.44¥10,986.11¥14,583.33¥3,281,250.00
16¥25,520.83¥10,937.50¥14,583.33¥3,266,666.67
17¥25,472.22¥10,888.89¥14,583.33¥3,252,083.33
18¥25,423.61¥10,840.28¥14,583.33¥3,237,500.00
19¥25,375.00¥10,791.67¥14,583.33¥3,222,916.67
20¥25,326.39¥10,743.06¥14,583.33¥3,208,333.33
21¥25,277.78¥10,694.44¥14,583.33¥3,193,750.00
22¥25,229.17¥10,645.83¥14,583.33¥3,179,166.67
23¥25,180.56¥10,597.22¥14,583.33¥3,164,583.33
24¥25,131.94¥10,548.61¥14,583.33¥3,150,000.00
25¥25,083.33¥10,500.00¥14,583.33¥3,135,416.67
26¥25,034.72¥10,451.39¥14,583.33¥3,120,833.33
27¥24,986.11¥10,402.78¥14,583.33¥3,106,250.00
28¥24,937.50¥10,354.17¥14,583.33¥3,091,666.67
29¥24,888.89¥10,305.56¥14,583.33¥3,077,083.33
30¥24,840.28¥10,256.94¥14,583.33¥3,062,500.00
31¥24,791.67¥10,208.33¥14,583.33¥3,047,916.67
32¥24,743.06¥10,159.72¥14,583.33¥3,033,333.33
33¥24,694.44¥10,111.11¥14,583.33¥3,018,750.00
34¥24,645.83¥10,062.50¥14,583.33¥3,004,166.67
35¥24,597.22¥10,013.89¥14,583.33¥2,989,583.33
36¥24,548.61¥9,965.28¥14,583.33¥2,975,000.00
37¥24,500.00¥9,916.67¥14,583.33¥2,960,416.67
38¥24,451.39¥9,868.06¥14,583.33¥2,945,833.33
39¥24,402.78¥9,819.44¥14,583.33¥2,931,250.00
40¥24,354.17¥9,770.83¥14,583.33¥2,916,666.67
41¥24,305.56¥9,722.22¥14,583.33¥2,902,083.33
42¥24,256.94¥9,673.61¥14,583.33¥2,887,500.00
43¥24,208.33¥9,625.00¥14,583.33¥2,872,916.67
44¥24,159.72¥9,576.39¥14,583.33¥2,858,333.33
45¥24,111.11¥9,527.78¥14,583.33¥2,843,750.00
46¥24,062.50¥9,479.17¥14,583.33¥2,829,166.67
47¥24,013.89¥9,430.56¥14,583.33¥2,814,583.33
48¥23,965.28¥9,381.94¥14,583.33¥2,800,000.00
49¥23,916.67¥9,333.33¥14,583.33¥2,785,416.67
50¥23,868.06¥9,284.72¥14,583.33¥2,770,833.33
51¥23,819.44¥9,236.11¥14,583.33¥2,756,250.00
52¥23,770.83¥9,187.50¥14,583.33¥2,741,666.67
53¥23,722.22¥9,138.89¥14,583.33¥2,727,083.33
54¥23,673.61¥9,090.28¥14,583.33¥2,712,500.00
55¥23,625.00¥9,041.67¥14,583.33¥2,697,916.67
56¥23,576.39¥8,993.06¥14,583.33¥2,683,333.33
57¥23,527.78¥8,944.44¥14,583.33¥2,668,750.00
58¥23,479.17¥8,895.83¥14,583.33¥2,654,166.67
59¥23,430.56¥8,847.22¥14,583.33¥2,639,583.33
60¥23,381.94¥8,798.61¥14,583.33¥2,625,000.00
61¥23,333.33¥8,750.00¥14,583.33¥2,610,416.67
62¥23,284.72¥8,701.39¥14,583.33¥2,595,833.33
63¥23,236.11¥8,652.78¥14,583.33¥2,581,250.00
64¥23,187.50¥8,604.17¥14,583.33¥2,566,666.67
65¥23,138.89¥8,555.56¥14,583.33¥2,552,083.33
66¥23,090.28¥8,506.94¥14,583.33¥2,537,500.00
67¥23,041.67¥8,458.33¥14,583.33¥2,522,916.67
68¥22,993.06¥8,409.72¥14,583.33¥2,508,333.33
69¥22,944.44¥8,361.11¥14,583.33¥2,493,750.00
70¥22,895.83¥8,312.50¥14,583.33¥2,479,166.67
71¥22,847.22¥8,263.89¥14,583.33¥2,464,583.33
72¥22,798.61¥8,215.28¥14,583.33¥2,450,000.00
73¥22,750.00¥8,166.67¥14,583.33¥2,435,416.67
74¥22,701.39¥8,118.06¥14,583.33¥2,420,833.33
75¥22,652.78¥8,069.44¥14,583.33¥2,406,250.00
76¥22,604.17¥8,020.83¥14,583.33¥2,391,666.67
77¥22,555.56¥7,972.22¥14,583.33¥2,377,083.33
78¥22,506.94¥7,923.61¥14,583.33¥2,362,500.00
79¥22,458.33¥7,875.00¥14,583.33¥2,347,916.67
80¥22,409.72¥7,826.39¥14,583.33¥2,333,333.33
81¥22,361.11¥7,777.78¥14,583.33¥2,318,750.00
82¥22,312.50¥7,729.17¥14,583.33¥2,304,166.67
83¥22,263.89¥7,680.56¥14,583.33¥2,289,583.33
84¥22,215.28¥7,631.94¥14,583.33¥2,275,000.00
85¥22,166.67¥7,583.33¥14,583.33¥2,260,416.67
86¥22,118.06¥7,534.72¥14,583.33¥2,245,833.33
87¥22,069.44¥7,486.11¥14,583.33¥2,231,250.00
88¥22,020.83¥7,437.50¥14,583.33¥2,216,666.67
89¥21,972.22¥7,388.89¥14,583.33¥2,202,083.33
90¥21,923.61¥7,340.28¥14,583.33¥2,187,500.00
91¥21,875.00¥7,291.67¥14,583.33¥2,172,916.67
92¥21,826.39¥7,243.06¥14,583.33¥2,158,333.33
93¥21,777.78¥7,194.44¥14,583.33¥2,143,750.00
94¥21,729.17¥7,145.83¥14,583.33¥2,129,166.67
95¥21,680.56¥7,097.22¥14,583.33¥2,114,583.33
96¥21,631.94¥7,048.61¥14,583.33¥2,100,000.00
97¥21,583.33¥7,000.00¥14,583.33¥2,085,416.67
98¥21,534.72¥6,951.39¥14,583.33¥2,070,833.33
99¥21,486.11¥6,902.78¥14,583.33¥2,056,250.00
100¥21,437.50¥6,854.17¥14,583.33¥2,041,666.67
101¥21,388.89¥6,805.56¥14,583.33¥2,027,083.33
102¥21,340.28¥6,756.94¥14,583.33¥2,012,500.00
103¥21,291.67¥6,708.33¥14,583.33¥1,997,916.67
104¥21,243.06¥6,659.72¥14,583.33¥1,983,333.33
105¥21,194.44¥6,611.11¥14,583.33¥1,968,750.00
106¥21,145.83¥6,562.50¥14,583.33¥1,954,166.67
107¥21,097.22¥6,513.89¥14,583.33¥1,939,583.33
108¥21,048.61¥6,465.28¥14,583.33¥1,925,000.00
109¥21,000.00¥6,416.67¥14,583.33¥1,910,416.67
110¥20,951.39¥6,368.06¥14,583.33¥1,895,833.33
111¥20,902.78¥6,319.44¥14,583.33¥1,881,250.00
112¥20,854.17¥6,270.83¥14,583.33¥1,866,666.67
113¥20,805.56¥6,222.22¥14,583.33¥1,852,083.33
114¥20,756.94¥6,173.61¥14,583.33¥1,837,500.00
115¥20,708.33¥6,125.00¥14,583.33¥1,822,916.67
116¥20,659.72¥6,076.39¥14,583.33¥1,808,333.33
117¥20,611.11¥6,027.78¥14,583.33¥1,793,750.00
118¥20,562.50¥5,979.17¥14,583.33¥1,779,166.67
119¥20,513.89¥5,930.56¥14,583.33¥1,764,583.33
120¥20,465.28¥5,881.94¥14,583.33¥1,750,000.00
121¥20,416.67¥5,833.33¥14,583.33¥1,735,416.67
122¥20,368.06¥5,784.72¥14,583.33¥1,720,833.33
123¥20,319.44¥5,736.11¥14,583.33¥1,706,250.00
124¥20,270.83¥5,687.50¥14,583.33¥1,691,666.67
125¥20,222.22¥5,638.89¥14,583.33¥1,677,083.33
126¥20,173.61¥5,590.28¥14,583.33¥1,662,500.00
127¥20,125.00¥5,541.67¥14,583.33¥1,647,916.67
128¥20,076.39¥5,493.06¥14,583.33¥1,633,333.33
129¥20,027.78¥5,444.44¥14,583.33¥1,618,750.00
130¥19,979.17¥5,395.83¥14,583.33¥1,604,166.67
131¥19,930.56¥5,347.22¥14,583.33¥1,589,583.33
132¥19,881.94¥5,298.61¥14,583.33¥1,575,000.00
133¥19,833.33¥5,250.00¥14,583.33¥1,560,416.67
134¥19,784.72¥5,201.39¥14,583.33¥1,545,833.33
135¥19,736.11¥5,152.78¥14,583.33¥1,531,250.00
136¥19,687.50¥5,104.17¥14,583.33¥1,516,666.67
137¥19,638.89¥5,055.56¥14,583.33¥1,502,083.33
138¥19,590.28¥5,006.94¥14,583.33¥1,487,500.00
139¥19,541.67¥4,958.33¥14,583.33¥1,472,916.67
140¥19,493.06¥4,909.72¥14,583.33¥1,458,333.33
141¥19,444.44¥4,861.11¥14,583.33¥1,443,750.00
142¥19,395.83¥4,812.50¥14,583.33¥1,429,166.67
143¥19,347.22¥4,763.89¥14,583.33¥1,414,583.33
144¥19,298.61¥4,715.28¥14,583.33¥1,400,000.00
145¥19,250.00¥4,666.67¥14,583.33¥1,385,416.67
146¥19,201.39¥4,618.06¥14,583.33¥1,370,833.33
147¥19,152.78¥4,569.44¥14,583.33¥1,356,250.00
148¥19,104.17¥4,520.83¥14,583.33¥1,341,666.67
149¥19,055.56¥4,472.22¥14,583.33¥1,327,083.33
150¥19,006.94¥4,423.61¥14,583.33¥1,312,500.00
151¥18,958.33¥4,375.00¥14,583.33¥1,297,916.67
152¥18,909.72¥4,326.39¥14,583.33¥1,283,333.33
153¥18,861.11¥4,277.78¥14,583.33¥1,268,750.00
154¥18,812.50¥4,229.17¥14,583.33¥1,254,166.67
155¥18,763.89¥4,180.56¥14,583.33¥1,239,583.33
156¥18,715.28¥4,131.94¥14,583.33¥1,225,000.00
157¥18,666.67¥4,083.33¥14,583.33¥1,210,416.67
158¥18,618.06¥4,034.72¥14,583.33¥1,195,833.33
159¥18,569.44¥3,986.11¥14,583.33¥1,181,250.00
160¥18,520.83¥3,937.50¥14,583.33¥1,166,666.67
161¥18,472.22¥3,888.89¥14,583.33¥1,152,083.33
162¥18,423.61¥3,840.28¥14,583.33¥1,137,500.00
163¥18,375.00¥3,791.67¥14,583.33¥1,122,916.67
164¥18,326.39¥3,743.06¥14,583.33¥1,108,333.33
165¥18,277.78¥3,694.44¥14,583.33¥1,093,750.00
166¥18,229.17¥3,645.83¥14,583.33¥1,079,166.67
167¥18,180.56¥3,597.22¥14,583.33¥1,064,583.33
168¥18,131.94¥3,548.61¥14,583.33¥1,050,000.00
169¥18,083.33¥3,500.00¥14,583.33¥1,035,416.67
170¥18,034.72¥3,451.39¥14,583.33¥1,020,833.33
171¥17,986.11¥3,402.78¥14,583.33¥1,006,250.00
172¥17,937.50¥3,354.17¥14,583.33¥991,666.67
173¥17,888.89¥3,305.56¥14,583.33¥977,083.33
174¥17,840.28¥3,256.94¥14,583.33¥962,500.00
175¥17,791.67¥3,208.33¥14,583.33¥947,916.67
176¥17,743.06¥3,159.72¥14,583.33¥933,333.33
177¥17,694.44¥3,111.11¥14,583.33¥918,750.00
178¥17,645.83¥3,062.50¥14,583.33¥904,166.67
179¥17,597.22¥3,013.89¥14,583.33¥889,583.33
180¥17,548.61¥2,965.28¥14,583.33¥875,000.00
181¥17,500.00¥2,916.67¥14,583.33¥860,416.67
182¥17,451.39¥2,868.06¥14,583.33¥845,833.33
183¥17,402.78¥2,819.44¥14,583.33¥831,250.00
184¥17,354.17¥2,770.83¥14,583.33¥816,666.67
185¥17,305.56¥2,722.22¥14,583.33¥802,083.33
186¥17,256.94¥2,673.61¥14,583.33¥787,500.00
187¥17,208.33¥2,625.00¥14,583.33¥772,916.67
188¥17,159.72¥2,576.39¥14,583.33¥758,333.33
189¥17,111.11¥2,527.78¥14,583.33¥743,750.00
190¥17,062.50¥2,479.17¥14,583.33¥729,166.67
191¥17,013.89¥2,430.56¥14,583.33¥714,583.33
192¥16,965.28¥2,381.94¥14,583.33¥700,000.00
193¥16,916.67¥2,333.33¥14,583.33¥685,416.67
194¥16,868.06¥2,284.72¥14,583.33¥670,833.33
195¥16,819.44¥2,236.11¥14,583.33¥656,250.00
196¥16,770.83¥2,187.50¥14,583.33¥641,666.67
197¥16,722.22¥2,138.89¥14,583.33¥627,083.33
198¥16,673.61¥2,090.28¥14,583.33¥612,500.00
199¥16,625.00¥2,041.67¥14,583.33¥597,916.67
200¥16,576.39¥1,993.06¥14,583.33¥583,333.33
201¥16,527.78¥1,944.44¥14,583.33¥568,750.00
202¥16,479.17¥1,895.83¥14,583.33¥554,166.67
203¥16,430.56¥1,847.22¥14,583.33¥539,583.33
204¥16,381.94¥1,798.61¥14,583.33¥525,000.00
205¥16,333.33¥1,750.00¥14,583.33¥510,416.67
206¥16,284.72¥1,701.39¥14,583.33¥495,833.33
207¥16,236.11¥1,652.78¥14,583.33¥481,250.00
208¥16,187.50¥1,604.17¥14,583.33¥466,666.67
209¥16,138.89¥1,555.56¥14,583.33¥452,083.33
210¥16,090.28¥1,506.94¥14,583.33¥437,500.00
211¥16,041.67¥1,458.33¥14,583.33¥422,916.67
212¥15,993.06¥1,409.72¥14,583.33¥408,333.33
213¥15,944.44¥1,361.11¥14,583.33¥393,750.00
214¥15,895.83¥1,312.50¥14,583.33¥379,166.67
215¥15,847.22¥1,263.89¥14,583.33¥364,583.33
216¥15,798.61¥1,215.28¥14,583.33¥350,000.00
217¥15,750.00¥1,166.67¥14,583.33¥335,416.67
218¥15,701.39¥1,118.06¥14,583.33¥320,833.33
219¥15,652.78¥1,069.44¥14,583.33¥306,250.00
220¥15,604.17¥1,020.83¥14,583.33¥291,666.67
221¥15,555.56¥972.22¥14,583.33¥277,083.33
222¥15,506.94¥923.61¥14,583.33¥262,500.00
223¥15,458.33¥875.00¥14,583.33¥247,916.67
224¥15,409.72¥826.39¥14,583.33¥233,333.33
225¥15,361.11¥777.78¥14,583.33¥218,750.00
226¥15,312.50¥729.17¥14,583.33¥204,166.67
227¥15,263.89¥680.56¥14,583.33¥189,583.33
228¥15,215.28¥631.94¥14,583.33¥175,000.00
229¥15,166.67¥583.33¥14,583.33¥160,416.67
230¥15,118.06¥534.72¥14,583.33¥145,833.33
231¥15,069.44¥486.11¥14,583.33¥131,250.00
232¥15,020.83¥437.50¥14,583.33¥116,666.67
233¥14,972.22¥388.89¥14,583.33¥102,083.33
234¥14,923.61¥340.28¥14,583.33¥87,500.00
235¥14,875.00¥291.67¥14,583.33¥72,916.67
236¥14,826.39¥243.06¥14,583.33¥58,333.33
237¥14,777.78¥194.44¥14,583.33¥43,750.00
238¥14,729.17¥145.83¥14,583.33¥29,166.67
239¥14,680.56¥97.22¥14,583.33¥14,583.33
240¥14,631.94¥48.61¥14,583.33¥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。

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