2025贷款计算器 - 最新利率比较/试算


1	¥40,498.06	¥13,333.33	¥27,164.72	¥3,972,835.28
2	¥40,498.06	¥13,242.78	¥27,255.27	¥3,945,580.01
3	¥40,498.06	¥13,151.93	¥27,346.12	¥3,918,233.89
4	¥40,498.06	¥13,060.78	¥27,437.28	¥3,890,796.61
5	¥40,498.06	¥12,969.32	¥27,528.73	¥3,863,267.88
6	¥40,498.06	¥12,877.56	¥27,620.50	¥3,835,647.38
7	¥40,498.06	¥12,785.49	¥27,712.56	¥3,807,934.82
8	¥40,498.06	¥12,693.12	¥27,804.94	¥3,780,129.88
9	¥40,498.06	¥12,600.43	¥27,897.62	¥3,752,232.26
10	¥40,498.06	¥12,507.44	¥27,990.61	¥3,724,241.64
11	¥40,498.06	¥12,414.14	¥28,083.92	¥3,696,157.72
12	¥40,498.06	¥12,320.53	¥28,177.53	¥3,667,980.19
13	¥40,498.06	¥12,226.60	¥28,271.45	¥3,639,708.74
14	¥40,498.06	¥12,132.36	¥28,365.69	¥3,611,343.05
15	¥40,498.06	¥12,037.81	¥28,460.25	¥3,582,882.80
16	¥40,498.06	¥11,942.94	¥28,555.11	¥3,554,327.69
17	¥40,498.06	¥11,847.76	¥28,650.30	¥3,525,677.39
18	¥40,498.06	¥11,752.26	¥28,745.80	¥3,496,931.60
19	¥40,498.06	¥11,656.44	¥28,841.62	¥3,468,089.98
20	¥40,498.06	¥11,560.30	¥28,937.76	¥3,439,152.22
21	¥40,498.06	¥11,463.84	¥29,034.21	¥3,410,118.01
22	¥40,498.06	¥11,367.06	¥29,131.00	¥3,380,987.01
23	¥40,498.06	¥11,269.96	¥29,228.10	¥3,351,758.92
24	¥40,498.06	¥11,172.53	¥29,325.53	¥3,322,433.39
25	¥40,498.06	¥11,074.78	¥29,423.28	¥3,293,010.11
26	¥40,498.06	¥10,976.70	¥29,521.35	¥3,263,488.76
27	¥40,498.06	¥10,878.30	¥29,619.76	¥3,233,869.00
28	¥40,498.06	¥10,779.56	¥29,718.49	¥3,204,150.51
29	¥40,498.06	¥10,680.50	¥29,817.55	¥3,174,332.95
30	¥40,498.06	¥10,581.11	¥29,916.95	¥3,144,416.01
31	¥40,498.06	¥10,481.39	¥30,016.67	¥3,114,399.34
32	¥40,498.06	¥10,381.33	¥30,116.72	¥3,084,282.61
33	¥40,498.06	¥10,280.94	¥30,217.11	¥3,054,065.50
34	¥40,498.06	¥10,180.22	¥30,317.84	¥3,023,747.66
35	¥40,498.06	¥10,079.16	¥30,418.90	¥2,993,328.77
36	¥40,498.06	¥9,977.76	¥30,520.29	¥2,962,808.48
37	¥40,498.06	¥9,876.03	¥30,622.03	¥2,932,186.45
38	¥40,498.06	¥9,773.95	¥30,724.10	¥2,901,462.35
39	¥40,498.06	¥9,671.54	¥30,826.51	¥2,870,635.83
40	¥40,498.06	¥9,568.79	¥30,929.27	¥2,839,706.56
41	¥40,498.06	¥9,465.69	¥31,032.37	¥2,808,674.20
42	¥40,498.06	¥9,362.25	¥31,135.81	¥2,777,538.39
43	¥40,498.06	¥9,258.46	¥31,239.59	¥2,746,298.80
44	¥40,498.06	¥9,154.33	¥31,343.73	¥2,714,955.07
45	¥40,498.06	¥9,049.85	¥31,448.21	¥2,683,506.87
46	¥40,498.06	¥8,945.02	¥31,553.03	¥2,651,953.83
47	¥40,498.06	¥8,839.85	¥31,658.21	¥2,620,295.62
48	¥40,498.06	¥8,734.32	¥31,763.74	¥2,588,531.89
49	¥40,498.06	¥8,628.44	¥31,869.62	¥2,556,662.27
50	¥40,498.06	¥8,522.21	¥31,975.85	¥2,524,686.42
51	¥40,498.06	¥8,415.62	¥32,082.43	¥2,492,603.99
52	¥40,498.06	¥8,308.68	¥32,189.38	¥2,460,414.61
53	¥40,498.06	¥8,201.38	¥32,296.67	¥2,428,117.94
54	¥40,498.06	¥8,093.73	¥32,404.33	¥2,395,713.61
55	¥40,498.06	¥7,985.71	¥32,512.34	¥2,363,201.27
56	¥40,498.06	¥7,877.34	¥32,620.72	¥2,330,580.55
57	¥40,498.06	¥7,768.60	¥32,729.45	¥2,297,851.10
58	¥40,498.06	¥7,659.50	¥32,838.55	¥2,265,012.55
59	¥40,498.06	¥7,550.04	¥32,948.01	¥2,232,064.53
60	¥40,498.06	¥7,440.22	¥33,057.84	¥2,199,006.69
61	¥40,498.06	¥7,330.02	¥33,168.03	¥2,165,838.66
62	¥40,498.06	¥7,219.46	¥33,278.59	¥2,132,560.07
63	¥40,498.06	¥7,108.53	¥33,389.52	¥2,099,170.55
64	¥40,498.06	¥6,997.24	¥33,500.82	¥2,065,669.73
65	¥40,498.06	¥6,885.57	¥33,612.49	¥2,032,057.24
66	¥40,498.06	¥6,773.52	¥33,724.53	¥1,998,332.70
67	¥40,498.06	¥6,661.11	¥33,836.95	¥1,964,495.76
68	¥40,498.06	¥6,548.32	¥33,949.74	¥1,930,546.02
69	¥40,498.06	¥6,435.15	¥34,062.90	¥1,896,483.12
70	¥40,498.06	¥6,321.61	¥34,176.44	¥1,862,306.68
71	¥40,498.06	¥6,207.69	¥34,290.37	¥1,828,016.31
72	¥40,498.06	¥6,093.39	¥34,404.67	¥1,793,611.64
73	¥40,498.06	¥5,978.71	¥34,519.35	¥1,759,092.29
74	¥40,498.06	¥5,863.64	¥34,634.41	¥1,724,457.88
75	¥40,498.06	¥5,748.19	¥34,749.86	¥1,689,708.02
76	¥40,498.06	¥5,632.36	¥34,865.70	¥1,654,842.32
77	¥40,498.06	¥5,516.14	¥34,981.91	¥1,619,860.41
78	¥40,498.06	¥5,399.53	¥35,098.52	¥1,584,761.89
79	¥40,498.06	¥5,282.54	¥35,215.52	¥1,549,546.37
80	¥40,498.06	¥5,165.15	¥35,332.90	¥1,514,213.47
81	¥40,498.06	¥5,047.38	¥35,450.68	¥1,478,762.79
82	¥40,498.06	¥4,929.21	¥35,568.85	¥1,443,193.95
83	¥40,498.06	¥4,810.65	¥35,687.41	¥1,407,506.54
84	¥40,498.06	¥4,691.69	¥35,806.37	¥1,371,700.17
85	¥40,498.06	¥4,572.33	¥35,925.72	¥1,335,774.45
86	¥40,498.06	¥4,452.58	¥36,045.47	¥1,299,728.98
87	¥40,498.06	¥4,332.43	¥36,165.63	¥1,263,563.35
88	¥40,498.06	¥4,211.88	¥36,286.18	¥1,227,277.17
89	¥40,498.06	¥4,090.92	¥36,407.13	¥1,190,870.04
90	¥40,498.06	¥3,969.57	¥36,528.49	¥1,154,341.55
91	¥40,498.06	¥3,847.81	¥36,650.25	¥1,117,691.30
92	¥40,498.06	¥3,725.64	¥36,772.42	¥1,080,918.89
93	¥40,498.06	¥3,603.06	¥36,894.99	¥1,044,023.89
94	¥40,498.06	¥3,480.08	¥37,017.98	¥1,007,005.92
95	¥40,498.06	¥3,356.69	¥37,141.37	¥969,864.55
96	¥40,498.06	¥3,232.88	¥37,265.17	¥932,599.37
97	¥40,498.06	¥3,108.66	¥37,389.39	¥895,209.98
98	¥40,498.06	¥2,984.03	¥37,514.02	¥857,695.96
99	¥40,498.06	¥2,858.99	¥37,639.07	¥820,056.89
100	¥40,498.06	¥2,733.52	¥37,764.53	¥782,292.36
101	¥40,498.06	¥2,607.64	¥37,890.41	¥744,401.95
102	¥40,498.06	¥2,481.34	¥38,016.72	¥706,385.23
103	¥40,498.06	¥2,354.62	¥38,143.44	¥668,241.79
104	¥40,498.06	¥2,227.47	¥38,270.58	¥629,971.21
105	¥40,498.06	¥2,099.90	¥38,398.15	¥591,573.06
106	¥40,498.06	¥1,971.91	¥38,526.15	¥553,046.91
107	¥40,498.06	¥1,843.49	¥38,654.57	¥514,392.35
108	¥40,498.06	¥1,714.64	¥38,783.41	¥475,608.94
109	¥40,498.06	¥1,585.36	¥38,912.69	¥436,696.24
110	¥40,498.06	¥1,455.65	¥39,042.40	¥397,653.84
111	¥40,498.06	¥1,325.51	¥39,172.54	¥358,481.30
112	¥40,498.06	¥1,194.94	¥39,303.12	¥319,178.18
113	¥40,498.06	¥1,063.93	¥39,434.13	¥279,744.05
114	¥40,498.06	¥932.48	¥39,565.58	¥240,178.48
115	¥40,498.06	¥800.59	¥39,697.46	¥200,481.02
116	¥40,498.06	¥668.27	¥39,829.79	¥160,651.23
117	¥40,498.06	¥535.50	¥39,962.55	¥120,688.68
118	¥40,498.06	¥402.30	¥40,095.76	¥80,592.92
119	¥40,498.06	¥268.64	¥40,229.41	¥40,363.51
120	¥40,498.06	¥134.55	¥40,363.51	¥0.00

¥46,666.67

等额本金 / 首月还款金额

贷款类型：等额本金

利息总额：¥806,666.67

还款总额：¥4,806,666.67

期数	每月还款	偿还利息	偿还本金	剩余本金


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