2025贷款计算器 - 最新利率比较/试算


1	¥45,560.31	¥15,000.00	¥30,560.31	¥4,469,439.69
2	¥45,560.31	¥14,898.13	¥30,662.18	¥4,438,777.51
3	¥45,560.31	¥14,795.93	¥30,764.39	¥4,408,013.12
4	¥45,560.31	¥14,693.38	¥30,866.94	¥4,377,146.19
5	¥45,560.31	¥14,590.49	¥30,969.82	¥4,346,176.36
6	¥45,560.31	¥14,487.25	¥31,073.06	¥4,315,103.30
7	¥45,560.31	¥14,383.68	¥31,176.63	¥4,283,926.67
8	¥45,560.31	¥14,279.76	¥31,280.56	¥4,252,646.11
9	¥45,560.31	¥14,175.49	¥31,384.83	¥4,221,261.29
10	¥45,560.31	¥14,070.87	¥31,489.44	¥4,189,771.85
11	¥45,560.31	¥13,965.91	¥31,594.41	¥4,158,177.44
12	¥45,560.31	¥13,860.59	¥31,699.72	¥4,126,477.72
13	¥45,560.31	¥13,754.93	¥31,805.39	¥4,094,672.33
14	¥45,560.31	¥13,648.91	¥31,911.40	¥4,062,760.93
15	¥45,560.31	¥13,542.54	¥32,017.78	¥4,030,743.15
16	¥45,560.31	¥13,435.81	¥32,124.50	¥3,998,618.65
17	¥45,560.31	¥13,328.73	¥32,231.58	¥3,966,387.07
18	¥45,560.31	¥13,221.29	¥32,339.02	¥3,934,048.05
19	¥45,560.31	¥13,113.49	¥32,446.82	¥3,901,601.23
20	¥45,560.31	¥13,005.34	¥32,554.97	¥3,869,046.25
21	¥45,560.31	¥12,896.82	¥32,663.49	¥3,836,382.76
22	¥45,560.31	¥12,787.94	¥32,772.37	¥3,803,610.39
23	¥45,560.31	¥12,678.70	¥32,881.61	¥3,770,728.78
24	¥45,560.31	¥12,569.10	¥32,991.22	¥3,737,737.56
25	¥45,560.31	¥12,459.13	¥33,101.19	¥3,704,636.38
26	¥45,560.31	¥12,348.79	¥33,211.52	¥3,671,424.85
27	¥45,560.31	¥12,238.08	¥33,322.23	¥3,638,102.62
28	¥45,560.31	¥12,127.01	¥33,433.30	¥3,604,669.32
29	¥45,560.31	¥12,015.56	¥33,544.75	¥3,571,124.57
30	¥45,560.31	¥11,903.75	¥33,656.56	¥3,537,468.01
31	¥45,560.31	¥11,791.56	¥33,768.75	¥3,503,699.26
32	¥45,560.31	¥11,679.00	¥33,881.31	¥3,469,817.94
33	¥45,560.31	¥11,566.06	¥33,994.25	¥3,435,823.69
34	¥45,560.31	¥11,452.75	¥34,107.57	¥3,401,716.12
35	¥45,560.31	¥11,339.05	¥34,221.26	¥3,367,494.86
36	¥45,560.31	¥11,224.98	¥34,335.33	¥3,333,159.54
37	¥45,560.31	¥11,110.53	¥34,449.78	¥3,298,709.75
38	¥45,560.31	¥10,995.70	¥34,564.61	¥3,264,145.14
39	¥45,560.31	¥10,880.48	¥34,679.83	¥3,229,465.31
40	¥45,560.31	¥10,764.88	¥34,795.43	¥3,194,669.89
41	¥45,560.31	¥10,648.90	¥34,911.41	¥3,159,758.47
42	¥45,560.31	¥10,532.53	¥35,027.78	¥3,124,730.69
43	¥45,560.31	¥10,415.77	¥35,144.54	¥3,089,586.15
44	¥45,560.31	¥10,298.62	¥35,261.69	¥3,054,324.45
45	¥45,560.31	¥10,181.08	¥35,379.23	¥3,018,945.22
46	¥45,560.31	¥10,063.15	¥35,497.16	¥2,983,448.06
47	¥45,560.31	¥9,944.83	¥35,615.49	¥2,947,832.58
48	¥45,560.31	¥9,826.11	¥35,734.20	¥2,912,098.37
49	¥45,560.31	¥9,706.99	¥35,853.32	¥2,876,245.06
50	¥45,560.31	¥9,587.48	¥35,972.83	¥2,840,272.23
51	¥45,560.31	¥9,467.57	¥36,092.74	¥2,804,179.49
52	¥45,560.31	¥9,347.26	¥36,213.05	¥2,767,966.44
53	¥45,560.31	¥9,226.55	¥36,333.76	¥2,731,632.68
54	¥45,560.31	¥9,105.44	¥36,454.87	¥2,695,177.81
55	¥45,560.31	¥8,983.93	¥36,576.39	¥2,658,601.43
56	¥45,560.31	¥8,862.00	¥36,698.31	¥2,621,903.12
57	¥45,560.31	¥8,739.68	¥36,820.64	¥2,585,082.49
58	¥45,560.31	¥8,616.94	¥36,943.37	¥2,548,139.12
59	¥45,560.31	¥8,493.80	¥37,066.52	¥2,511,072.60
60	¥45,560.31	¥8,370.24	¥37,190.07	¥2,473,882.53
61	¥45,560.31	¥8,246.28	¥37,314.04	¥2,436,568.49
62	¥45,560.31	¥8,121.89	¥37,438.42	¥2,399,130.08
63	¥45,560.31	¥7,997.10	¥37,563.21	¥2,361,566.86
64	¥45,560.31	¥7,871.89	¥37,688.42	¥2,323,878.44
65	¥45,560.31	¥7,746.26	¥37,814.05	¥2,286,064.39
66	¥45,560.31	¥7,620.21	¥37,940.10	¥2,248,124.29
67	¥45,560.31	¥7,493.75	¥38,066.56	¥2,210,057.73
68	¥45,560.31	¥7,366.86	¥38,193.45	¥2,171,864.28
69	¥45,560.31	¥7,239.55	¥38,320.76	¥2,133,543.51
70	¥45,560.31	¥7,111.81	¥38,448.50	¥2,095,095.01
71	¥45,560.31	¥6,983.65	¥38,576.66	¥2,056,518.35
72	¥45,560.31	¥6,855.06	¥38,705.25	¥2,017,813.10
73	¥45,560.31	¥6,726.04	¥38,834.27	¥1,978,978.83
74	¥45,560.31	¥6,596.60	¥38,963.72	¥1,940,015.11
75	¥45,560.31	¥6,466.72	¥39,093.60	¥1,900,921.52
76	¥45,560.31	¥6,336.41	¥39,223.91	¥1,861,697.61
77	¥45,560.31	¥6,205.66	¥39,354.65	¥1,822,342.96
78	¥45,560.31	¥6,074.48	¥39,485.84	¥1,782,857.12
79	¥45,560.31	¥5,942.86	¥39,617.46	¥1,743,239.67
80	¥45,560.31	¥5,810.80	¥39,749.51	¥1,703,490.15
81	¥45,560.31	¥5,678.30	¥39,882.01	¥1,663,608.14
82	¥45,560.31	¥5,545.36	¥40,014.95	¥1,623,593.19
83	¥45,560.31	¥5,411.98	¥40,148.33	¥1,583,444.85
84	¥45,560.31	¥5,278.15	¥40,282.16	¥1,543,162.69
85	¥45,560.31	¥5,143.88	¥40,416.44	¥1,502,746.26
86	¥45,560.31	¥5,009.15	¥40,551.16	¥1,462,195.10
87	¥45,560.31	¥4,873.98	¥40,686.33	¥1,421,508.77
88	¥45,560.31	¥4,738.36	¥40,821.95	¥1,380,686.82
89	¥45,560.31	¥4,602.29	¥40,958.02	¥1,339,728.80
90	¥45,560.31	¥4,465.76	¥41,094.55	¥1,298,634.25
91	¥45,560.31	¥4,328.78	¥41,231.53	¥1,257,402.72
92	¥45,560.31	¥4,191.34	¥41,368.97	¥1,216,033.75
93	¥45,560.31	¥4,053.45	¥41,506.87	¥1,174,526.88
94	¥45,560.31	¥3,915.09	¥41,645.22	¥1,132,881.66
95	¥45,560.31	¥3,776.27	¥41,784.04	¥1,091,097.62
96	¥45,560.31	¥3,636.99	¥41,923.32	¥1,049,174.30
97	¥45,560.31	¥3,497.25	¥42,063.06	¥1,007,111.23
98	¥45,560.31	¥3,357.04	¥42,203.27	¥964,907.96
99	¥45,560.31	¥3,216.36	¥42,343.95	¥922,564.01
100	¥45,560.31	¥3,075.21	¥42,485.10	¥880,078.91
101	¥45,560.31	¥2,933.60	¥42,626.72	¥837,452.19
102	¥45,560.31	¥2,791.51	¥42,768.80	¥794,683.39
103	¥45,560.31	¥2,648.94	¥42,911.37	¥751,772.02
104	¥45,560.31	¥2,505.91	¥43,054.41	¥708,717.61
105	¥45,560.31	¥2,362.39	¥43,197.92	¥665,519.69
106	¥45,560.31	¥2,218.40	¥43,341.91	¥622,177.78
107	¥45,560.31	¥2,073.93	¥43,486.39	¥578,691.39
108	¥45,560.31	¥1,928.97	¥43,631.34	¥535,060.05
109	¥45,560.31	¥1,783.53	¥43,776.78	¥491,283.27
110	¥45,560.31	¥1,637.61	¥43,922.70	¥447,360.57
111	¥45,560.31	¥1,491.20	¥44,069.11	¥403,291.46
112	¥45,560.31	¥1,344.30	¥44,216.01	¥359,075.45
113	¥45,560.31	¥1,196.92	¥44,363.39	¥314,712.06
114	¥45,560.31	¥1,049.04	¥44,511.27	¥270,200.79
115	¥45,560.31	¥900.67	¥44,659.64	¥225,541.15
116	¥45,560.31	¥751.80	¥44,808.51	¥180,732.64
117	¥45,560.31	¥602.44	¥44,957.87	¥135,774.77
118	¥45,560.31	¥452.58	¥45,107.73	¥90,667.04
119	¥45,560.31	¥302.22	¥45,258.09	¥45,408.95
120	¥45,560.31	¥151.36	¥45,408.95	¥0.00

¥52,500.00

等额本金 / 首月还款金额

贷款类型：等额本金

利息总额：¥907,500.00

还款总额：¥5,407,500.00

期数	每月还款	偿还利息	偿还本金	剩余本金


1	¥52,500.00	¥15,000.00	¥37,500.00	¥4,462,500.00
2	¥52,375.00	¥14,875.00	¥37,500.00	¥4,425,000.00
3	¥52,250.00	¥14,750.00	¥37,500.00	¥4,387,500.00
4	¥52,125.00	¥14,625.00	¥37,500.00	¥4,350,000.00
5	¥52,000.00	¥14,500.00	¥37,500.00	¥4,312,500.00
6	¥51,875.00	¥14,375.00	¥37,500.00	¥4,275,000.00
7	¥51,750.00	¥14,250.00	¥37,500.00	¥4,237,500.00
8	¥51,625.00	¥14,125.00	¥37,500.00	¥4,200,000.00
9	¥51,500.00	¥14,000.00	¥37,500.00	¥4,162,500.00
10	¥51,375.00	¥13,875.00	¥37,500.00	¥4,125,000.00
11	¥51,250.00	¥13,750.00	¥37,500.00	¥4,087,500.00
12	¥51,125.00	¥13,625.00	¥37,500.00	¥4,050,000.00
13	¥51,000.00	¥13,500.00	¥37,500.00	¥4,012,500.00
14	¥50,875.00	¥13,375.00	¥37,500.00	¥3,975,000.00
15	¥50,750.00	¥13,250.00	¥37,500.00	¥3,937,500.00
16	¥50,625.00	¥13,125.00	¥37,500.00	¥3,900,000.00
17	¥50,500.00	¥13,000.00	¥37,500.00	¥3,862,500.00
18	¥50,375.00	¥12,875.00	¥37,500.00	¥3,825,000.00
19	¥50,250.00	¥12,750.00	¥37,500.00	¥3,787,500.00
20	¥50,125.00	¥12,625.00	¥37,500.00	¥3,750,000.00
21	¥50,000.00	¥12,500.00	¥37,500.00	¥3,712,500.00
22	¥49,875.00	¥12,375.00	¥37,500.00	¥3,675,000.00
23	¥49,750.00	¥12,250.00	¥37,500.00	¥3,637,500.00
24	¥49,625.00	¥12,125.00	¥37,500.00	¥3,600,000.00
25	¥49,500.00	¥12,000.00	¥37,500.00	¥3,562,500.00
26	¥49,375.00	¥11,875.00	¥37,500.00	¥3,525,000.00
27	¥49,250.00	¥11,750.00	¥37,500.00	¥3,487,500.00
28	¥49,125.00	¥11,625.00	¥37,500.00	¥3,450,000.00
29	¥49,000.00	¥11,500.00	¥37,500.00	¥3,412,500.00
30	¥48,875.00	¥11,375.00	¥37,500.00	¥3,375,000.00
31	¥48,750.00	¥11,250.00	¥37,500.00	¥3,337,500.00
32	¥48,625.00	¥11,125.00	¥37,500.00	¥3,300,000.00
33	¥48,500.00	¥11,000.00	¥37,500.00	¥3,262,500.00
34	¥48,375.00	¥10,875.00	¥37,500.00	¥3,225,000.00
35	¥48,250.00	¥10,750.00	¥37,500.00	¥3,187,500.00
36	¥48,125.00	¥10,625.00	¥37,500.00	¥3,150,000.00
37	¥48,000.00	¥10,500.00	¥37,500.00	¥3,112,500.00
38	¥47,875.00	¥10,375.00	¥37,500.00	¥3,075,000.00
39	¥47,750.00	¥10,250.00	¥37,500.00	¥3,037,500.00
40	¥47,625.00	¥10,125.00	¥37,500.00	¥3,000,000.00
41	¥47,500.00	¥10,000.00	¥37,500.00	¥2,962,500.00
42	¥47,375.00	¥9,875.00	¥37,500.00	¥2,925,000.00
43	¥47,250.00	¥9,750.00	¥37,500.00	¥2,887,500.00
44	¥47,125.00	¥9,625.00	¥37,500.00	¥2,850,000.00
45	¥47,000.00	¥9,500.00	¥37,500.00	¥2,812,500.00
46	¥46,875.00	¥9,375.00	¥37,500.00	¥2,775,000.00
47	¥46,750.00	¥9,250.00	¥37,500.00	¥2,737,500.00
48	¥46,625.00	¥9,125.00	¥37,500.00	¥2,700,000.00
49	¥46,500.00	¥9,000.00	¥37,500.00	¥2,662,500.00
50	¥46,375.00	¥8,875.00	¥37,500.00	¥2,625,000.00
51	¥46,250.00	¥8,750.00	¥37,500.00	¥2,587,500.00
52	¥46,125.00	¥8,625.00	¥37,500.00	¥2,550,000.00
53	¥46,000.00	¥8,500.00	¥37,500.00	¥2,512,500.00
54	¥45,875.00	¥8,375.00	¥37,500.00	¥2,475,000.00
55	¥45,750.00	¥8,250.00	¥37,500.00	¥2,437,500.00
56	¥45,625.00	¥8,125.00	¥37,500.00	¥2,400,000.00
57	¥45,500.00	¥8,000.00	¥37,500.00	¥2,362,500.00
58	¥45,375.00	¥7,875.00	¥37,500.00	¥2,325,000.00
59	¥45,250.00	¥7,750.00	¥37,500.00	¥2,287,500.00
60	¥45,125.00	¥7,625.00	¥37,500.00	¥2,250,000.00
61	¥45,000.00	¥7,500.00	¥37,500.00	¥2,212,500.00
62	¥44,875.00	¥7,375.00	¥37,500.00	¥2,175,000.00
63	¥44,750.00	¥7,250.00	¥37,500.00	¥2,137,500.00
64	¥44,625.00	¥7,125.00	¥37,500.00	¥2,100,000.00
65	¥44,500.00	¥7,000.00	¥37,500.00	¥2,062,500.00
66	¥44,375.00	¥6,875.00	¥37,500.00	¥2,025,000.00
67	¥44,250.00	¥6,750.00	¥37,500.00	¥1,987,500.00
68	¥44,125.00	¥6,625.00	¥37,500.00	¥1,950,000.00
69	¥44,000.00	¥6,500.00	¥37,500.00	¥1,912,500.00
70	¥43,875.00	¥6,375.00	¥37,500.00	¥1,875,000.00
71	¥43,750.00	¥6,250.00	¥37,500.00	¥1,837,500.00
72	¥43,625.00	¥6,125.00	¥37,500.00	¥1,800,000.00
73	¥43,500.00	¥6,000.00	¥37,500.00	¥1,762,500.00
74	¥43,375.00	¥5,875.00	¥37,500.00	¥1,725,000.00
75	¥43,250.00	¥5,750.00	¥37,500.00	¥1,687,500.00
76	¥43,125.00	¥5,625.00	¥37,500.00	¥1,650,000.00
77	¥43,000.00	¥5,500.00	¥37,500.00	¥1,612,500.00
78	¥42,875.00	¥5,375.00	¥37,500.00	¥1,575,000.00
79	¥42,750.00	¥5,250.00	¥37,500.00	¥1,537,500.00
80	¥42,625.00	¥5,125.00	¥37,500.00	¥1,500,000.00
81	¥42,500.00	¥5,000.00	¥37,500.00	¥1,462,500.00
82	¥42,375.00	¥4,875.00	¥37,500.00	¥1,425,000.00
83	¥42,250.00	¥4,750.00	¥37,500.00	¥1,387,500.00
84	¥42,125.00	¥4,625.00	¥37,500.00	¥1,350,000.00
85	¥42,000.00	¥4,500.00	¥37,500.00	¥1,312,500.00
86	¥41,875.00	¥4,375.00	¥37,500.00	¥1,275,000.00
87	¥41,750.00	¥4,250.00	¥37,500.00	¥1,237,500.00
88	¥41,625.00	¥4,125.00	¥37,500.00	¥1,200,000.00
89	¥41,500.00	¥4,000.00	¥37,500.00	¥1,162,500.00
90	¥41,375.00	¥3,875.00	¥37,500.00	¥1,125,000.00
91	¥41,250.00	¥3,750.00	¥37,500.00	¥1,087,500.00
92	¥41,125.00	¥3,625.00	¥37,500.00	¥1,050,000.00
93	¥41,000.00	¥3,500.00	¥37,500.00	¥1,012,500.00
94	¥40,875.00	¥3,375.00	¥37,500.00	¥975,000.00
95	¥40,750.00	¥3,250.00	¥37,500.00	¥937,500.00
96	¥40,625.00	¥3,125.00	¥37,500.00	¥900,000.00
97	¥40,500.00	¥3,000.00	¥37,500.00	¥862,500.00
98	¥40,375.00	¥2,875.00	¥37,500.00	¥825,000.00
99	¥40,250.00	¥2,750.00	¥37,500.00	¥787,500.00
100	¥40,125.00	¥2,625.00	¥37,500.00	¥750,000.00
101	¥40,000.00	¥2,500.00	¥37,500.00	¥712,500.00
102	¥39,875.00	¥2,375.00	¥37,500.00	¥675,000.00
103	¥39,750.00	¥2,250.00	¥37,500.00	¥637,500.00
104	¥39,625.00	¥2,125.00	¥37,500.00	¥600,000.00
105	¥39,500.00	¥2,000.00	¥37,500.00	¥562,500.00
106	¥39,375.00	¥1,875.00	¥37,500.00	¥525,000.00
107	¥39,250.00	¥1,750.00	¥37,500.00	¥487,500.00
108	¥39,125.00	¥1,625.00	¥37,500.00	¥450,000.00
109	¥39,000.00	¥1,500.00	¥37,500.00	¥412,500.00
110	¥38,875.00	¥1,375.00	¥37,500.00	¥375,000.00
111	¥38,750.00	¥1,250.00	¥37,500.00	¥337,500.00
112	¥38,625.00	¥1,125.00	¥37,500.00	¥300,000.00
113	¥38,500.00	¥1,000.00	¥37,500.00	¥262,500.00
114	¥38,375.00	¥875.00	¥37,500.00	¥225,000.00
115	¥38,250.00	¥750.00	¥37,500.00	¥187,500.00
116	¥38,125.00	¥625.00	¥37,500.00	¥150,000.00
117	¥38,000.00	¥500.00	¥37,500.00	¥112,500.00
118	¥37,875.00	¥375.00	¥37,500.00	¥75,000.00
119	¥37,750.00	¥250.00	¥37,500.00	¥37,500.00
120	¥37,625.00	¥125.00	¥37,500.00	¥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。