2025贷款计算器 - 最新利率比较/试算

贷款金额450万元,贷款20年,利率4.00%,总利息为2044588元,每个月还款27269元(使用等额本息)

"等额本息"与"等额本金" 利息及还款金额对比分析
¥27,269.11
等额本息 / 每月还款金额

贷款类型:等额本息

利息总额:¥2,044,587.56

还款总额:¥6,544,587.56

期数每月还款偿还利息偿还本金剩余本金
1¥27,269.11¥15,000.00¥12,269.11¥4,487,730.89
2¥27,269.11¥14,959.10¥12,310.01¥4,475,420.87
3¥27,269.11¥14,918.07¥12,351.05¥4,463,069.83
4¥27,269.11¥14,876.90¥12,392.22¥4,450,677.61
5¥27,269.11¥14,835.59¥12,433.52¥4,438,244.09
6¥27,269.11¥14,794.15¥12,474.97¥4,425,769.12
7¥27,269.11¥14,752.56¥12,516.55¥4,413,252.57
8¥27,269.11¥14,710.84¥12,558.27¥4,400,694.30
9¥27,269.11¥14,668.98¥12,600.13¥4,388,094.16
10¥27,269.11¥14,626.98¥12,642.13¥4,375,452.03
11¥27,269.11¥14,584.84¥12,684.27¥4,362,767.76
12¥27,269.11¥14,542.56¥12,726.56¥4,350,041.20
13¥27,269.11¥14,500.14¥12,768.98¥4,337,272.22
14¥27,269.11¥14,457.57¥12,811.54¥4,324,460.68
15¥27,269.11¥14,414.87¥12,854.25¥4,311,606.44
16¥27,269.11¥14,372.02¥12,897.09¥4,298,709.34
17¥27,269.11¥14,329.03¥12,940.08¥4,285,769.26
18¥27,269.11¥14,285.90¥12,983.22¥4,272,786.04
19¥27,269.11¥14,242.62¥13,026.49¥4,259,759.55
20¥27,269.11¥14,199.20¥13,069.92¥4,246,689.63
21¥27,269.11¥14,155.63¥13,113.48¥4,233,576.15
22¥27,269.11¥14,111.92¥13,157.19¥4,220,418.95
23¥27,269.11¥14,068.06¥13,201.05¥4,207,217.90
24¥27,269.11¥14,024.06¥13,245.06¥4,193,972.85
25¥27,269.11¥13,979.91¥13,289.21¥4,180,683.64
26¥27,269.11¥13,935.61¥13,333.50¥4,167,350.14
27¥27,269.11¥13,891.17¥13,377.95¥4,153,972.19
28¥27,269.11¥13,846.57¥13,422.54¥4,140,549.65
29¥27,269.11¥13,801.83¥13,467.28¥4,127,082.37
30¥27,269.11¥13,756.94¥13,512.17¥4,113,570.19
31¥27,269.11¥13,711.90¥13,557.21¥4,100,012.98
32¥27,269.11¥13,666.71¥13,602.40¥4,086,410.57
33¥27,269.11¥13,621.37¥13,647.75¥4,072,762.83
34¥27,269.11¥13,575.88¥13,693.24¥4,059,069.59
35¥27,269.11¥13,530.23¥13,738.88¥4,045,330.71
36¥27,269.11¥13,484.44¥13,784.68¥4,031,546.03
37¥27,269.11¥13,438.49¥13,830.63¥4,017,715.40
38¥27,269.11¥13,392.38¥13,876.73¥4,003,838.67
39¥27,269.11¥13,346.13¥13,922.99¥3,989,915.68
40¥27,269.11¥13,299.72¥13,969.40¥3,975,946.29
41¥27,269.11¥13,253.15¥14,015.96¥3,961,930.33
42¥27,269.11¥13,206.43¥14,062.68¥3,947,867.65
43¥27,269.11¥13,159.56¥14,109.56¥3,933,758.09
44¥27,269.11¥13,112.53¥14,156.59¥3,919,601.50
45¥27,269.11¥13,065.34¥14,203.78¥3,905,397.73
46¥27,269.11¥13,017.99¥14,251.12¥3,891,146.60
47¥27,269.11¥12,970.49¥14,298.63¥3,876,847.98
48¥27,269.11¥12,922.83¥14,346.29¥3,862,501.69
49¥27,269.11¥12,875.01¥14,394.11¥3,848,107.58
50¥27,269.11¥12,827.03¥14,442.09¥3,833,665.49
51¥27,269.11¥12,778.88¥14,490.23¥3,819,175.26
52¥27,269.11¥12,730.58¥14,538.53¥3,804,636.73
53¥27,269.11¥12,682.12¥14,586.99¥3,790,049.74
54¥27,269.11¥12,633.50¥14,635.62¥3,775,414.12
55¥27,269.11¥12,584.71¥14,684.40¥3,760,729.72
56¥27,269.11¥12,535.77¥14,733.35¥3,745,996.37
57¥27,269.11¥12,486.65¥14,782.46¥3,731,213.91
58¥27,269.11¥12,437.38¥14,831.74¥3,716,382.18
59¥27,269.11¥12,387.94¥14,881.17¥3,701,501.00
60¥27,269.11¥12,338.34¥14,930.78¥3,686,570.22
61¥27,269.11¥12,288.57¥14,980.55¥3,671,589.68
62¥27,269.11¥12,238.63¥15,030.48¥3,656,559.19
63¥27,269.11¥12,188.53¥15,080.58¥3,641,478.61
64¥27,269.11¥12,138.26¥15,130.85¥3,626,347.76
65¥27,269.11¥12,087.83¥15,181.29¥3,611,166.47
66¥27,269.11¥12,037.22¥15,231.89¥3,595,934.58
67¥27,269.11¥11,986.45¥15,282.67¥3,580,651.91
68¥27,269.11¥11,935.51¥15,333.61¥3,565,318.30
69¥27,269.11¥11,884.39¥15,384.72¥3,549,933.58
70¥27,269.11¥11,833.11¥15,436.00¥3,534,497.58
71¥27,269.11¥11,781.66¥15,487.46¥3,519,010.12
72¥27,269.11¥11,730.03¥15,539.08¥3,503,471.04
73¥27,269.11¥11,678.24¥15,590.88¥3,487,880.16
74¥27,269.11¥11,626.27¥15,642.85¥3,472,237.31
75¥27,269.11¥11,574.12¥15,694.99¥3,456,542.32
76¥27,269.11¥11,521.81¥15,747.31¥3,440,795.02
77¥27,269.11¥11,469.32¥15,799.80¥3,424,995.22
78¥27,269.11¥11,416.65¥15,852.46¥3,409,142.75
79¥27,269.11¥11,363.81¥15,905.31¥3,393,237.45
80¥27,269.11¥11,310.79¥15,958.32¥3,377,279.13
81¥27,269.11¥11,257.60¥16,011.52¥3,361,267.61
82¥27,269.11¥11,204.23¥16,064.89¥3,345,202.72
83¥27,269.11¥11,150.68¥16,118.44¥3,329,084.28
84¥27,269.11¥11,096.95¥16,172.17¥3,312,912.11
85¥27,269.11¥11,043.04¥16,226.07¥3,296,686.04
86¥27,269.11¥10,988.95¥16,280.16¥3,280,405.88
87¥27,269.11¥10,934.69¥16,334.43¥3,264,071.45
88¥27,269.11¥10,880.24¥16,388.88¥3,247,682.57
89¥27,269.11¥10,825.61¥16,443.51¥3,231,239.06
90¥27,269.11¥10,770.80¥16,498.32¥3,214,740.75
91¥27,269.11¥10,715.80¥16,553.31¥3,198,187.43
92¥27,269.11¥10,660.62¥16,608.49¥3,181,578.94
93¥27,269.11¥10,605.26¥16,663.85¥3,164,915.09
94¥27,269.11¥10,549.72¥16,719.40¥3,148,195.69
95¥27,269.11¥10,493.99¥16,775.13¥3,131,420.57
96¥27,269.11¥10,438.07¥16,831.05¥3,114,589.52
97¥27,269.11¥10,381.97¥16,887.15¥3,097,702.37
98¥27,269.11¥10,325.67¥16,943.44¥3,080,758.93
99¥27,269.11¥10,269.20¥16,999.92¥3,063,759.01
100¥27,269.11¥10,212.53¥17,056.58¥3,046,702.43
101¥27,269.11¥10,155.67¥17,113.44¥3,029,588.99
102¥27,269.11¥10,098.63¥17,170.48¥3,012,418.50
103¥27,269.11¥10,041.40¥17,227.72¥2,995,190.78
104¥27,269.11¥9,983.97¥17,285.15¥2,977,905.64
105¥27,269.11¥9,926.35¥17,342.76¥2,960,562.87
106¥27,269.11¥9,868.54¥17,400.57¥2,943,162.30
107¥27,269.11¥9,810.54¥17,458.57¥2,925,703.73
108¥27,269.11¥9,752.35¥17,516.77¥2,908,186.96
109¥27,269.11¥9,693.96¥17,575.16¥2,890,611.80
110¥27,269.11¥9,635.37¥17,633.74¥2,872,978.06
111¥27,269.11¥9,576.59¥17,692.52¥2,855,285.54
112¥27,269.11¥9,517.62¥17,751.50¥2,837,534.04
113¥27,269.11¥9,458.45¥17,810.67¥2,819,723.37
114¥27,269.11¥9,399.08¥17,870.04¥2,801,853.34
115¥27,269.11¥9,339.51¥17,929.60¥2,783,923.73
116¥27,269.11¥9,279.75¥17,989.37¥2,765,934.36
117¥27,269.11¥9,219.78¥18,049.33¥2,747,885.03
118¥27,269.11¥9,159.62¥18,109.50¥2,729,775.53
119¥27,269.11¥9,099.25¥18,169.86¥2,711,605.67
120¥27,269.11¥9,038.69¥18,230.43¥2,693,375.24
121¥27,269.11¥8,977.92¥18,291.20¥2,675,084.04
122¥27,269.11¥8,916.95¥18,352.17¥2,656,731.87
123¥27,269.11¥8,855.77¥18,413.34¥2,638,318.53
124¥27,269.11¥8,794.40¥18,474.72¥2,619,843.81
125¥27,269.11¥8,732.81¥18,536.30¥2,601,307.51
126¥27,269.11¥8,671.03¥18,598.09¥2,582,709.42
127¥27,269.11¥8,609.03¥18,660.08¥2,564,049.34
128¥27,269.11¥8,546.83¥18,722.28¥2,545,327.05
129¥27,269.11¥8,484.42¥18,784.69¥2,526,542.36
130¥27,269.11¥8,421.81¥18,847.31¥2,507,695.05
131¥27,269.11¥8,358.98¥18,910.13¥2,488,784.92
132¥27,269.11¥8,295.95¥18,973.17¥2,469,811.76
133¥27,269.11¥8,232.71¥19,036.41¥2,450,775.35
134¥27,269.11¥8,169.25¥19,099.86¥2,431,675.49
135¥27,269.11¥8,105.58¥19,163.53¥2,412,511.96
136¥27,269.11¥8,041.71¥19,227.41¥2,393,284.55
137¥27,269.11¥7,977.62¥19,291.50¥2,373,993.05
138¥27,269.11¥7,913.31¥19,355.80¥2,354,637.24
139¥27,269.11¥7,848.79¥19,420.32¥2,335,216.92
140¥27,269.11¥7,784.06¥19,485.06¥2,315,731.86
141¥27,269.11¥7,719.11¥19,550.01¥2,296,181.85
142¥27,269.11¥7,653.94¥19,615.18¥2,276,566.68
143¥27,269.11¥7,588.56¥19,680.56¥2,256,886.12
144¥27,269.11¥7,522.95¥19,746.16¥2,237,139.96
145¥27,269.11¥7,457.13¥19,811.98¥2,217,327.97
146¥27,269.11¥7,391.09¥19,878.02¥2,197,449.95
147¥27,269.11¥7,324.83¥19,944.28¥2,177,505.67
148¥27,269.11¥7,258.35¥20,010.76¥2,157,494.91
149¥27,269.11¥7,191.65¥20,077.47¥2,137,417.44
150¥27,269.11¥7,124.72¥20,144.39¥2,117,273.05
151¥27,269.11¥7,057.58¥20,211.54¥2,097,061.52
152¥27,269.11¥6,990.21¥20,278.91¥2,076,782.61
153¥27,269.11¥6,922.61¥20,346.51¥2,056,436.10
154¥27,269.11¥6,854.79¥20,414.33¥2,036,021.77
155¥27,269.11¥6,786.74¥20,482.38¥2,015,539.40
156¥27,269.11¥6,718.46¥20,550.65¥1,994,988.75
157¥27,269.11¥6,649.96¥20,619.15¥1,974,369.59
158¥27,269.11¥6,581.23¥20,687.88¥1,953,681.71
159¥27,269.11¥6,512.27¥20,756.84¥1,932,924.87
160¥27,269.11¥6,443.08¥20,826.03¥1,912,098.84
161¥27,269.11¥6,373.66¥20,895.45¥1,891,203.38
162¥27,269.11¥6,304.01¥20,965.10¥1,870,238.28
163¥27,269.11¥6,234.13¥21,034.99¥1,849,203.29
164¥27,269.11¥6,164.01¥21,105.10¥1,828,098.19
165¥27,269.11¥6,093.66¥21,175.45¥1,806,922.74
166¥27,269.11¥6,023.08¥21,246.04¥1,785,676.70
167¥27,269.11¥5,952.26¥21,316.86¥1,764,359.84
168¥27,269.11¥5,881.20¥21,387.92¥1,742,971.92
169¥27,269.11¥5,809.91¥21,459.21¥1,721,512.71
170¥27,269.11¥5,738.38¥21,530.74¥1,699,981.98
171¥27,269.11¥5,666.61¥21,602.51¥1,678,379.47
172¥27,269.11¥5,594.60¥21,674.52¥1,656,704.95
173¥27,269.11¥5,522.35¥21,746.76¥1,634,958.19
174¥27,269.11¥5,449.86¥21,819.25¥1,613,138.93
175¥27,269.11¥5,377.13¥21,891.99¥1,591,246.95
176¥27,269.11¥5,304.16¥21,964.96¥1,569,281.99
177¥27,269.11¥5,230.94¥22,038.17¥1,547,243.81
178¥27,269.11¥5,157.48¥22,111.64¥1,525,132.18
179¥27,269.11¥5,083.77¥22,185.34¥1,502,946.84
180¥27,269.11¥5,009.82¥22,259.29¥1,480,687.54
181¥27,269.11¥4,935.63¥22,333.49¥1,458,354.05
182¥27,269.11¥4,861.18¥22,407.93¥1,435,946.12
183¥27,269.11¥4,786.49¥22,482.63¥1,413,463.49
184¥27,269.11¥4,711.54¥22,557.57¥1,390,905.92
185¥27,269.11¥4,636.35¥22,632.76¥1,368,273.16
186¥27,269.11¥4,560.91¥22,708.20¥1,345,564.96
187¥27,269.11¥4,485.22¥22,783.90¥1,322,781.06
188¥27,269.11¥4,409.27¥22,859.84¥1,299,921.21
189¥27,269.11¥4,333.07¥22,936.04¥1,276,985.17
190¥27,269.11¥4,256.62¥23,012.50¥1,253,972.67
191¥27,269.11¥4,179.91¥23,089.21¥1,230,883.47
192¥27,269.11¥4,102.94¥23,166.17¥1,207,717.30
193¥27,269.11¥4,025.72¥23,243.39¥1,184,473.91
194¥27,269.11¥3,948.25¥23,320.87¥1,161,153.04
195¥27,269.11¥3,870.51¥23,398.60¥1,137,754.43
196¥27,269.11¥3,792.51¥23,476.60¥1,114,277.83
197¥27,269.11¥3,714.26¥23,554.86¥1,090,722.98
198¥27,269.11¥3,635.74¥23,633.37¥1,067,089.61
199¥27,269.11¥3,556.97¥23,712.15¥1,043,377.46
200¥27,269.11¥3,477.92¥23,791.19¥1,019,586.27
201¥27,269.11¥3,398.62¥23,870.49¥995,715.77
202¥27,269.11¥3,319.05¥23,950.06¥971,765.71
203¥27,269.11¥3,239.22¥24,029.90¥947,735.81
204¥27,269.11¥3,159.12¥24,110.00¥923,625.82
205¥27,269.11¥3,078.75¥24,190.36¥899,435.46
206¥27,269.11¥2,998.12¥24,271.00¥875,164.46
207¥27,269.11¥2,917.21¥24,351.90¥850,812.56
208¥27,269.11¥2,836.04¥24,433.07¥826,379.49
209¥27,269.11¥2,754.60¥24,514.52¥801,864.97
210¥27,269.11¥2,672.88¥24,596.23¥777,268.74
211¥27,269.11¥2,590.90¥24,678.22¥752,590.52
212¥27,269.11¥2,508.64¥24,760.48¥727,830.04
213¥27,269.11¥2,426.10¥24,843.01¥702,987.03
214¥27,269.11¥2,343.29¥24,925.82¥678,061.20
215¥27,269.11¥2,260.20¥25,008.91¥653,052.29
216¥27,269.11¥2,176.84¥25,092.27¥627,960.02
217¥27,269.11¥2,093.20¥25,175.91¥602,784.10
218¥27,269.11¥2,009.28¥25,259.83¥577,524.27
219¥27,269.11¥1,925.08¥25,344.03¥552,180.23
220¥27,269.11¥1,840.60¥25,428.51¥526,751.72
221¥27,269.11¥1,755.84¥25,513.28¥501,238.44
222¥27,269.11¥1,670.79¥25,598.32¥475,640.12
223¥27,269.11¥1,585.47¥25,683.65¥449,956.48
224¥27,269.11¥1,499.85¥25,769.26¥424,187.22
225¥27,269.11¥1,413.96¥25,855.16¥398,332.06
226¥27,269.11¥1,327.77¥25,941.34¥372,390.72
227¥27,269.11¥1,241.30¥26,027.81¥346,362.90
228¥27,269.11¥1,154.54¥26,114.57¥320,248.33
229¥27,269.11¥1,067.49¥26,201.62¥294,046.71
230¥27,269.11¥980.16¥26,288.96¥267,757.75
231¥27,269.11¥892.53¥26,376.59¥241,381.16
232¥27,269.11¥804.60¥26,464.51¥214,916.65
233¥27,269.11¥716.39¥26,552.73¥188,363.93
234¥27,269.11¥627.88¥26,641.24¥161,722.69
235¥27,269.11¥539.08¥26,730.04¥134,992.65
236¥27,269.11¥449.98¥26,819.14¥108,173.51
237¥27,269.11¥360.58¥26,908.54¥81,264.98
238¥27,269.11¥270.88¥26,998.23¥54,266.75
239¥27,269.11¥180.89¥27,088.23¥27,178.52
240¥27,269.11¥90.60¥27,178.52¥0.00
¥33,750.00
等额本金 / 首月还款金额

贷款类型:等额本金

利息总额:¥1,807,500.00

还款总额:¥6,307,500.00

期数每月还款偿还利息偿还本金剩余本金
1¥33,750.00¥15,000.00¥18,750.00¥4,481,250.00
2¥33,687.50¥14,937.50¥18,750.00¥4,462,500.00
3¥33,625.00¥14,875.00¥18,750.00¥4,443,750.00
4¥33,562.50¥14,812.50¥18,750.00¥4,425,000.00
5¥33,500.00¥14,750.00¥18,750.00¥4,406,250.00
6¥33,437.50¥14,687.50¥18,750.00¥4,387,500.00
7¥33,375.00¥14,625.00¥18,750.00¥4,368,750.00
8¥33,312.50¥14,562.50¥18,750.00¥4,350,000.00
9¥33,250.00¥14,500.00¥18,750.00¥4,331,250.00
10¥33,187.50¥14,437.50¥18,750.00¥4,312,500.00
11¥33,125.00¥14,375.00¥18,750.00¥4,293,750.00
12¥33,062.50¥14,312.50¥18,750.00¥4,275,000.00
13¥33,000.00¥14,250.00¥18,750.00¥4,256,250.00
14¥32,937.50¥14,187.50¥18,750.00¥4,237,500.00
15¥32,875.00¥14,125.00¥18,750.00¥4,218,750.00
16¥32,812.50¥14,062.50¥18,750.00¥4,200,000.00
17¥32,750.00¥14,000.00¥18,750.00¥4,181,250.00
18¥32,687.50¥13,937.50¥18,750.00¥4,162,500.00
19¥32,625.00¥13,875.00¥18,750.00¥4,143,750.00
20¥32,562.50¥13,812.50¥18,750.00¥4,125,000.00
21¥32,500.00¥13,750.00¥18,750.00¥4,106,250.00
22¥32,437.50¥13,687.50¥18,750.00¥4,087,500.00
23¥32,375.00¥13,625.00¥18,750.00¥4,068,750.00
24¥32,312.50¥13,562.50¥18,750.00¥4,050,000.00
25¥32,250.00¥13,500.00¥18,750.00¥4,031,250.00
26¥32,187.50¥13,437.50¥18,750.00¥4,012,500.00
27¥32,125.00¥13,375.00¥18,750.00¥3,993,750.00
28¥32,062.50¥13,312.50¥18,750.00¥3,975,000.00
29¥32,000.00¥13,250.00¥18,750.00¥3,956,250.00
30¥31,937.50¥13,187.50¥18,750.00¥3,937,500.00
31¥31,875.00¥13,125.00¥18,750.00¥3,918,750.00
32¥31,812.50¥13,062.50¥18,750.00¥3,900,000.00
33¥31,750.00¥13,000.00¥18,750.00¥3,881,250.00
34¥31,687.50¥12,937.50¥18,750.00¥3,862,500.00
35¥31,625.00¥12,875.00¥18,750.00¥3,843,750.00
36¥31,562.50¥12,812.50¥18,750.00¥3,825,000.00
37¥31,500.00¥12,750.00¥18,750.00¥3,806,250.00
38¥31,437.50¥12,687.50¥18,750.00¥3,787,500.00
39¥31,375.00¥12,625.00¥18,750.00¥3,768,750.00
40¥31,312.50¥12,562.50¥18,750.00¥3,750,000.00
41¥31,250.00¥12,500.00¥18,750.00¥3,731,250.00
42¥31,187.50¥12,437.50¥18,750.00¥3,712,500.00
43¥31,125.00¥12,375.00¥18,750.00¥3,693,750.00
44¥31,062.50¥12,312.50¥18,750.00¥3,675,000.00
45¥31,000.00¥12,250.00¥18,750.00¥3,656,250.00
46¥30,937.50¥12,187.50¥18,750.00¥3,637,500.00
47¥30,875.00¥12,125.00¥18,750.00¥3,618,750.00
48¥30,812.50¥12,062.50¥18,750.00¥3,600,000.00
49¥30,750.00¥12,000.00¥18,750.00¥3,581,250.00
50¥30,687.50¥11,937.50¥18,750.00¥3,562,500.00
51¥30,625.00¥11,875.00¥18,750.00¥3,543,750.00
52¥30,562.50¥11,812.50¥18,750.00¥3,525,000.00
53¥30,500.00¥11,750.00¥18,750.00¥3,506,250.00
54¥30,437.50¥11,687.50¥18,750.00¥3,487,500.00
55¥30,375.00¥11,625.00¥18,750.00¥3,468,750.00
56¥30,312.50¥11,562.50¥18,750.00¥3,450,000.00
57¥30,250.00¥11,500.00¥18,750.00¥3,431,250.00
58¥30,187.50¥11,437.50¥18,750.00¥3,412,500.00
59¥30,125.00¥11,375.00¥18,750.00¥3,393,750.00
60¥30,062.50¥11,312.50¥18,750.00¥3,375,000.00
61¥30,000.00¥11,250.00¥18,750.00¥3,356,250.00
62¥29,937.50¥11,187.50¥18,750.00¥3,337,500.00
63¥29,875.00¥11,125.00¥18,750.00¥3,318,750.00
64¥29,812.50¥11,062.50¥18,750.00¥3,300,000.00
65¥29,750.00¥11,000.00¥18,750.00¥3,281,250.00
66¥29,687.50¥10,937.50¥18,750.00¥3,262,500.00
67¥29,625.00¥10,875.00¥18,750.00¥3,243,750.00
68¥29,562.50¥10,812.50¥18,750.00¥3,225,000.00
69¥29,500.00¥10,750.00¥18,750.00¥3,206,250.00
70¥29,437.50¥10,687.50¥18,750.00¥3,187,500.00
71¥29,375.00¥10,625.00¥18,750.00¥3,168,750.00
72¥29,312.50¥10,562.50¥18,750.00¥3,150,000.00
73¥29,250.00¥10,500.00¥18,750.00¥3,131,250.00
74¥29,187.50¥10,437.50¥18,750.00¥3,112,500.00
75¥29,125.00¥10,375.00¥18,750.00¥3,093,750.00
76¥29,062.50¥10,312.50¥18,750.00¥3,075,000.00
77¥29,000.00¥10,250.00¥18,750.00¥3,056,250.00
78¥28,937.50¥10,187.50¥18,750.00¥3,037,500.00
79¥28,875.00¥10,125.00¥18,750.00¥3,018,750.00
80¥28,812.50¥10,062.50¥18,750.00¥3,000,000.00
81¥28,750.00¥10,000.00¥18,750.00¥2,981,250.00
82¥28,687.50¥9,937.50¥18,750.00¥2,962,500.00
83¥28,625.00¥9,875.00¥18,750.00¥2,943,750.00
84¥28,562.50¥9,812.50¥18,750.00¥2,925,000.00
85¥28,500.00¥9,750.00¥18,750.00¥2,906,250.00
86¥28,437.50¥9,687.50¥18,750.00¥2,887,500.00
87¥28,375.00¥9,625.00¥18,750.00¥2,868,750.00
88¥28,312.50¥9,562.50¥18,750.00¥2,850,000.00
89¥28,250.00¥9,500.00¥18,750.00¥2,831,250.00
90¥28,187.50¥9,437.50¥18,750.00¥2,812,500.00
91¥28,125.00¥9,375.00¥18,750.00¥2,793,750.00
92¥28,062.50¥9,312.50¥18,750.00¥2,775,000.00
93¥28,000.00¥9,250.00¥18,750.00¥2,756,250.00
94¥27,937.50¥9,187.50¥18,750.00¥2,737,500.00
95¥27,875.00¥9,125.00¥18,750.00¥2,718,750.00
96¥27,812.50¥9,062.50¥18,750.00¥2,700,000.00
97¥27,750.00¥9,000.00¥18,750.00¥2,681,250.00
98¥27,687.50¥8,937.50¥18,750.00¥2,662,500.00
99¥27,625.00¥8,875.00¥18,750.00¥2,643,750.00
100¥27,562.50¥8,812.50¥18,750.00¥2,625,000.00
101¥27,500.00¥8,750.00¥18,750.00¥2,606,250.00
102¥27,437.50¥8,687.50¥18,750.00¥2,587,500.00
103¥27,375.00¥8,625.00¥18,750.00¥2,568,750.00
104¥27,312.50¥8,562.50¥18,750.00¥2,550,000.00
105¥27,250.00¥8,500.00¥18,750.00¥2,531,250.00
106¥27,187.50¥8,437.50¥18,750.00¥2,512,500.00
107¥27,125.00¥8,375.00¥18,750.00¥2,493,750.00
108¥27,062.50¥8,312.50¥18,750.00¥2,475,000.00
109¥27,000.00¥8,250.00¥18,750.00¥2,456,250.00
110¥26,937.50¥8,187.50¥18,750.00¥2,437,500.00
111¥26,875.00¥8,125.00¥18,750.00¥2,418,750.00
112¥26,812.50¥8,062.50¥18,750.00¥2,400,000.00
113¥26,750.00¥8,000.00¥18,750.00¥2,381,250.00
114¥26,687.50¥7,937.50¥18,750.00¥2,362,500.00
115¥26,625.00¥7,875.00¥18,750.00¥2,343,750.00
116¥26,562.50¥7,812.50¥18,750.00¥2,325,000.00
117¥26,500.00¥7,750.00¥18,750.00¥2,306,250.00
118¥26,437.50¥7,687.50¥18,750.00¥2,287,500.00
119¥26,375.00¥7,625.00¥18,750.00¥2,268,750.00
120¥26,312.50¥7,562.50¥18,750.00¥2,250,000.00
121¥26,250.00¥7,500.00¥18,750.00¥2,231,250.00
122¥26,187.50¥7,437.50¥18,750.00¥2,212,500.00
123¥26,125.00¥7,375.00¥18,750.00¥2,193,750.00
124¥26,062.50¥7,312.50¥18,750.00¥2,175,000.00
125¥26,000.00¥7,250.00¥18,750.00¥2,156,250.00
126¥25,937.50¥7,187.50¥18,750.00¥2,137,500.00
127¥25,875.00¥7,125.00¥18,750.00¥2,118,750.00
128¥25,812.50¥7,062.50¥18,750.00¥2,100,000.00
129¥25,750.00¥7,000.00¥18,750.00¥2,081,250.00
130¥25,687.50¥6,937.50¥18,750.00¥2,062,500.00
131¥25,625.00¥6,875.00¥18,750.00¥2,043,750.00
132¥25,562.50¥6,812.50¥18,750.00¥2,025,000.00
133¥25,500.00¥6,750.00¥18,750.00¥2,006,250.00
134¥25,437.50¥6,687.50¥18,750.00¥1,987,500.00
135¥25,375.00¥6,625.00¥18,750.00¥1,968,750.00
136¥25,312.50¥6,562.50¥18,750.00¥1,950,000.00
137¥25,250.00¥6,500.00¥18,750.00¥1,931,250.00
138¥25,187.50¥6,437.50¥18,750.00¥1,912,500.00
139¥25,125.00¥6,375.00¥18,750.00¥1,893,750.00
140¥25,062.50¥6,312.50¥18,750.00¥1,875,000.00
141¥25,000.00¥6,250.00¥18,750.00¥1,856,250.00
142¥24,937.50¥6,187.50¥18,750.00¥1,837,500.00
143¥24,875.00¥6,125.00¥18,750.00¥1,818,750.00
144¥24,812.50¥6,062.50¥18,750.00¥1,800,000.00
145¥24,750.00¥6,000.00¥18,750.00¥1,781,250.00
146¥24,687.50¥5,937.50¥18,750.00¥1,762,500.00
147¥24,625.00¥5,875.00¥18,750.00¥1,743,750.00
148¥24,562.50¥5,812.50¥18,750.00¥1,725,000.00
149¥24,500.00¥5,750.00¥18,750.00¥1,706,250.00
150¥24,437.50¥5,687.50¥18,750.00¥1,687,500.00
151¥24,375.00¥5,625.00¥18,750.00¥1,668,750.00
152¥24,312.50¥5,562.50¥18,750.00¥1,650,000.00
153¥24,250.00¥5,500.00¥18,750.00¥1,631,250.00
154¥24,187.50¥5,437.50¥18,750.00¥1,612,500.00
155¥24,125.00¥5,375.00¥18,750.00¥1,593,750.00
156¥24,062.50¥5,312.50¥18,750.00¥1,575,000.00
157¥24,000.00¥5,250.00¥18,750.00¥1,556,250.00
158¥23,937.50¥5,187.50¥18,750.00¥1,537,500.00
159¥23,875.00¥5,125.00¥18,750.00¥1,518,750.00
160¥23,812.50¥5,062.50¥18,750.00¥1,500,000.00
161¥23,750.00¥5,000.00¥18,750.00¥1,481,250.00
162¥23,687.50¥4,937.50¥18,750.00¥1,462,500.00
163¥23,625.00¥4,875.00¥18,750.00¥1,443,750.00
164¥23,562.50¥4,812.50¥18,750.00¥1,425,000.00
165¥23,500.00¥4,750.00¥18,750.00¥1,406,250.00
166¥23,437.50¥4,687.50¥18,750.00¥1,387,500.00
167¥23,375.00¥4,625.00¥18,750.00¥1,368,750.00
168¥23,312.50¥4,562.50¥18,750.00¥1,350,000.00
169¥23,250.00¥4,500.00¥18,750.00¥1,331,250.00
170¥23,187.50¥4,437.50¥18,750.00¥1,312,500.00
171¥23,125.00¥4,375.00¥18,750.00¥1,293,750.00
172¥23,062.50¥4,312.50¥18,750.00¥1,275,000.00
173¥23,000.00¥4,250.00¥18,750.00¥1,256,250.00
174¥22,937.50¥4,187.50¥18,750.00¥1,237,500.00
175¥22,875.00¥4,125.00¥18,750.00¥1,218,750.00
176¥22,812.50¥4,062.50¥18,750.00¥1,200,000.00
177¥22,750.00¥4,000.00¥18,750.00¥1,181,250.00
178¥22,687.50¥3,937.50¥18,750.00¥1,162,500.00
179¥22,625.00¥3,875.00¥18,750.00¥1,143,750.00
180¥22,562.50¥3,812.50¥18,750.00¥1,125,000.00
181¥22,500.00¥3,750.00¥18,750.00¥1,106,250.00
182¥22,437.50¥3,687.50¥18,750.00¥1,087,500.00
183¥22,375.00¥3,625.00¥18,750.00¥1,068,750.00
184¥22,312.50¥3,562.50¥18,750.00¥1,050,000.00
185¥22,250.00¥3,500.00¥18,750.00¥1,031,250.00
186¥22,187.50¥3,437.50¥18,750.00¥1,012,500.00
187¥22,125.00¥3,375.00¥18,750.00¥993,750.00
188¥22,062.50¥3,312.50¥18,750.00¥975,000.00
189¥22,000.00¥3,250.00¥18,750.00¥956,250.00
190¥21,937.50¥3,187.50¥18,750.00¥937,500.00
191¥21,875.00¥3,125.00¥18,750.00¥918,750.00
192¥21,812.50¥3,062.50¥18,750.00¥900,000.00
193¥21,750.00¥3,000.00¥18,750.00¥881,250.00
194¥21,687.50¥2,937.50¥18,750.00¥862,500.00
195¥21,625.00¥2,875.00¥18,750.00¥843,750.00
196¥21,562.50¥2,812.50¥18,750.00¥825,000.00
197¥21,500.00¥2,750.00¥18,750.00¥806,250.00
198¥21,437.50¥2,687.50¥18,750.00¥787,500.00
199¥21,375.00¥2,625.00¥18,750.00¥768,750.00
200¥21,312.50¥2,562.50¥18,750.00¥750,000.00
201¥21,250.00¥2,500.00¥18,750.00¥731,250.00
202¥21,187.50¥2,437.50¥18,750.00¥712,500.00
203¥21,125.00¥2,375.00¥18,750.00¥693,750.00
204¥21,062.50¥2,312.50¥18,750.00¥675,000.00
205¥21,000.00¥2,250.00¥18,750.00¥656,250.00
206¥20,937.50¥2,187.50¥18,750.00¥637,500.00
207¥20,875.00¥2,125.00¥18,750.00¥618,750.00
208¥20,812.50¥2,062.50¥18,750.00¥600,000.00
209¥20,750.00¥2,000.00¥18,750.00¥581,250.00
210¥20,687.50¥1,937.50¥18,750.00¥562,500.00
211¥20,625.00¥1,875.00¥18,750.00¥543,750.00
212¥20,562.50¥1,812.50¥18,750.00¥525,000.00
213¥20,500.00¥1,750.00¥18,750.00¥506,250.00
214¥20,437.50¥1,687.50¥18,750.00¥487,500.00
215¥20,375.00¥1,625.00¥18,750.00¥468,750.00
216¥20,312.50¥1,562.50¥18,750.00¥450,000.00
217¥20,250.00¥1,500.00¥18,750.00¥431,250.00
218¥20,187.50¥1,437.50¥18,750.00¥412,500.00
219¥20,125.00¥1,375.00¥18,750.00¥393,750.00
220¥20,062.50¥1,312.50¥18,750.00¥375,000.00
221¥20,000.00¥1,250.00¥18,750.00¥356,250.00
222¥19,937.50¥1,187.50¥18,750.00¥337,500.00
223¥19,875.00¥1,125.00¥18,750.00¥318,750.00
224¥19,812.50¥1,062.50¥18,750.00¥300,000.00
225¥19,750.00¥1,000.00¥18,750.00¥281,250.00
226¥19,687.50¥937.50¥18,750.00¥262,500.00
227¥19,625.00¥875.00¥18,750.00¥243,750.00
228¥19,562.50¥812.50¥18,750.00¥225,000.00
229¥19,500.00¥750.00¥18,750.00¥206,250.00
230¥19,437.50¥687.50¥18,750.00¥187,500.00
231¥19,375.00¥625.00¥18,750.00¥168,750.00
232¥19,312.50¥562.50¥18,750.00¥150,000.00
233¥19,250.00¥500.00¥18,750.00¥131,250.00
234¥19,187.50¥437.50¥18,750.00¥112,500.00
235¥19,125.00¥375.00¥18,750.00¥93,750.00
236¥19,062.50¥312.50¥18,750.00¥75,000.00
237¥19,000.00¥250.00¥18,750.00¥56,250.00
238¥18,937.50¥187.50¥18,750.00¥37,500.00
239¥18,875.00¥125.00¥18,750.00¥18,750.00
240¥18,812.50¥62.50¥18,750.00¥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。