2025贷款计算器 - 最新利率比较/试算


1	¥50,622.57	¥16,666.67	¥33,955.90	¥4,966,044.10
2	¥50,622.57	¥16,553.48	¥34,069.09	¥4,931,975.01
3	¥50,622.57	¥16,439.92	¥34,182.65	¥4,897,792.36
4	¥50,622.57	¥16,325.97	¥34,296.59	¥4,863,495.76
5	¥50,622.57	¥16,211.65	¥34,410.92	¥4,829,084.85
6	¥50,622.57	¥16,096.95	¥34,525.62	¥4,794,559.23
7	¥50,622.57	¥15,981.86	¥34,640.70	¥4,759,918.52
8	¥50,622.57	¥15,866.40	¥34,756.17	¥4,725,162.35
9	¥50,622.57	¥15,750.54	¥34,872.03	¥4,690,290.32
10	¥50,622.57	¥15,634.30	¥34,988.27	¥4,655,302.05
11	¥50,622.57	¥15,517.67	¥35,104.90	¥4,620,197.16
12	¥50,622.57	¥15,400.66	¥35,221.91	¥4,584,975.24
13	¥50,622.57	¥15,283.25	¥35,339.32	¥4,549,635.93
14	¥50,622.57	¥15,165.45	¥35,457.12	¥4,514,178.81
15	¥50,622.57	¥15,047.26	¥35,575.31	¥4,478,603.50
16	¥50,622.57	¥14,928.68	¥35,693.89	¥4,442,909.61
17	¥50,622.57	¥14,809.70	¥35,812.87	¥4,407,096.74
18	¥50,622.57	¥14,690.32	¥35,932.25	¥4,371,164.49
19	¥50,622.57	¥14,570.55	¥36,052.02	¥4,335,112.47
20	¥50,622.57	¥14,450.37	¥36,172.19	¥4,298,940.28
21	¥50,622.57	¥14,329.80	¥36,292.77	¥4,262,647.51
22	¥50,622.57	¥14,208.83	¥36,413.74	¥4,226,233.77
23	¥50,622.57	¥14,087.45	¥36,535.12	¥4,189,698.64
24	¥50,622.57	¥13,965.66	¥36,656.91	¥4,153,041.74
25	¥50,622.57	¥13,843.47	¥36,779.10	¥4,116,262.64
26	¥50,622.57	¥13,720.88	¥36,901.69	¥4,079,360.95
27	¥50,622.57	¥13,597.87	¥37,024.70	¥4,042,336.25
28	¥50,622.57	¥13,474.45	¥37,148.11	¥4,005,188.13
29	¥50,622.57	¥13,350.63	¥37,271.94	¥3,967,916.19
30	¥50,622.57	¥13,226.39	¥37,396.18	¥3,930,520.01
31	¥50,622.57	¥13,101.73	¥37,520.84	¥3,892,999.17
32	¥50,622.57	¥12,976.66	¥37,645.91	¥3,855,353.27
33	¥50,622.57	¥12,851.18	¥37,771.39	¥3,817,581.88
34	¥50,622.57	¥12,725.27	¥37,897.30	¥3,779,684.58
35	¥50,622.57	¥12,598.95	¥38,023.62	¥3,741,660.96
36	¥50,622.57	¥12,472.20	¥38,150.37	¥3,703,510.59
37	¥50,622.57	¥12,345.04	¥38,277.53	¥3,665,233.06
38	¥50,622.57	¥12,217.44	¥38,405.13	¥3,626,827.94
39	¥50,622.57	¥12,089.43	¥38,533.14	¥3,588,294.79
40	¥50,622.57	¥11,960.98	¥38,661.59	¥3,549,633.21
41	¥50,622.57	¥11,832.11	¥38,790.46	¥3,510,842.75
42	¥50,622.57	¥11,702.81	¥38,919.76	¥3,471,922.99
43	¥50,622.57	¥11,573.08	¥39,049.49	¥3,432,873.50
44	¥50,622.57	¥11,442.91	¥39,179.66	¥3,393,693.84
45	¥50,622.57	¥11,312.31	¥39,310.26	¥3,354,383.58
46	¥50,622.57	¥11,181.28	¥39,441.29	¥3,314,942.29
47	¥50,622.57	¥11,049.81	¥39,572.76	¥3,275,369.53
48	¥50,622.57	¥10,917.90	¥39,704.67	¥3,235,664.86
49	¥50,622.57	¥10,785.55	¥39,837.02	¥3,195,827.84
50	¥50,622.57	¥10,652.76	¥39,969.81	¥3,155,858.03
51	¥50,622.57	¥10,519.53	¥40,103.04	¥3,115,754.99
52	¥50,622.57	¥10,385.85	¥40,236.72	¥3,075,518.27
53	¥50,622.57	¥10,251.73	¥40,370.84	¥3,035,147.43
54	¥50,622.57	¥10,117.16	¥40,505.41	¥2,994,642.02
55	¥50,622.57	¥9,982.14	¥40,640.43	¥2,954,001.59
56	¥50,622.57	¥9,846.67	¥40,775.90	¥2,913,225.69
57	¥50,622.57	¥9,710.75	¥40,911.82	¥2,872,313.87
58	¥50,622.57	¥9,574.38	¥41,048.19	¥2,831,265.68
59	¥50,622.57	¥9,437.55	¥41,185.02	¥2,790,080.67
60	¥50,622.57	¥9,300.27	¥41,322.30	¥2,748,758.37
61	¥50,622.57	¥9,162.53	¥41,460.04	¥2,707,298.33
62	¥50,622.57	¥9,024.33	¥41,598.24	¥2,665,700.08
63	¥50,622.57	¥8,885.67	¥41,736.90	¥2,623,963.18
64	¥50,622.57	¥8,746.54	¥41,876.03	¥2,582,087.16
65	¥50,622.57	¥8,606.96	¥42,015.61	¥2,540,071.54
66	¥50,622.57	¥8,466.91	¥42,155.66	¥2,497,915.88
67	¥50,622.57	¥8,326.39	¥42,296.18	¥2,455,619.70
68	¥50,622.57	¥8,185.40	¥42,437.17	¥2,413,182.53
69	¥50,622.57	¥8,043.94	¥42,578.63	¥2,370,603.90
70	¥50,622.57	¥7,902.01	¥42,720.56	¥2,327,883.34
71	¥50,622.57	¥7,759.61	¥42,862.96	¥2,285,020.39
72	¥50,622.57	¥7,616.73	¥43,005.83	¥2,242,014.55
73	¥50,622.57	¥7,473.38	¥43,149.19	¥2,198,865.36
74	¥50,622.57	¥7,329.55	¥43,293.02	¥2,155,572.35
75	¥50,622.57	¥7,185.24	¥43,437.33	¥2,112,135.02
76	¥50,622.57	¥7,040.45	¥43,582.12	¥2,068,552.90
77	¥50,622.57	¥6,895.18	¥43,727.39	¥2,024,825.51
78	¥50,622.57	¥6,749.42	¥43,873.15	¥1,980,952.36
79	¥50,622.57	¥6,603.17	¥44,019.39	¥1,936,932.96
80	¥50,622.57	¥6,456.44	¥44,166.13	¥1,892,766.84
81	¥50,622.57	¥6,309.22	¥44,313.35	¥1,848,453.49
82	¥50,622.57	¥6,161.51	¥44,461.06	¥1,803,992.43
83	¥50,622.57	¥6,013.31	¥44,609.26	¥1,759,383.17
84	¥50,622.57	¥5,864.61	¥44,757.96	¥1,714,625.21
85	¥50,622.57	¥5,715.42	¥44,907.15	¥1,669,718.06
86	¥50,622.57	¥5,565.73	¥45,056.84	¥1,624,661.22
87	¥50,622.57	¥5,415.54	¥45,207.03	¥1,579,454.19
88	¥50,622.57	¥5,264.85	¥45,357.72	¥1,534,096.47
89	¥50,622.57	¥5,113.65	¥45,508.91	¥1,488,587.55
90	¥50,622.57	¥4,961.96	¥45,660.61	¥1,442,926.94
91	¥50,622.57	¥4,809.76	¥45,812.81	¥1,397,114.13
92	¥50,622.57	¥4,657.05	¥45,965.52	¥1,351,148.61
93	¥50,622.57	¥4,503.83	¥46,118.74	¥1,305,029.87
94	¥50,622.57	¥4,350.10	¥46,272.47	¥1,258,757.40
95	¥50,622.57	¥4,195.86	¥46,426.71	¥1,212,330.69
96	¥50,622.57	¥4,041.10	¥46,581.47	¥1,165,749.22
97	¥50,622.57	¥3,885.83	¥46,736.74	¥1,119,012.48
98	¥50,622.57	¥3,730.04	¥46,892.53	¥1,072,119.95
99	¥50,622.57	¥3,573.73	¥47,048.84	¥1,025,071.12
100	¥50,622.57	¥3,416.90	¥47,205.67	¥977,865.45
101	¥50,622.57	¥3,259.55	¥47,363.02	¥930,502.43
102	¥50,622.57	¥3,101.67	¥47,520.89	¥882,981.54
103	¥50,622.57	¥2,943.27	¥47,679.30	¥835,302.24
104	¥50,622.57	¥2,784.34	¥47,838.23	¥787,464.01
105	¥50,622.57	¥2,624.88	¥47,997.69	¥739,466.32
106	¥50,622.57	¥2,464.89	¥48,157.68	¥691,308.64
107	¥50,622.57	¥2,304.36	¥48,318.21	¥642,990.44
108	¥50,622.57	¥2,143.30	¥48,479.27	¥594,511.17
109	¥50,622.57	¥1,981.70	¥48,640.87	¥545,870.30
110	¥50,622.57	¥1,819.57	¥48,803.00	¥497,067.30
111	¥50,622.57	¥1,656.89	¥48,965.68	¥448,101.62
112	¥50,622.57	¥1,493.67	¥49,128.90	¥398,972.73
113	¥50,622.57	¥1,329.91	¥49,292.66	¥349,680.07
114	¥50,622.57	¥1,165.60	¥49,456.97	¥300,223.10
115	¥50,622.57	¥1,000.74	¥49,621.83	¥250,601.27
116	¥50,622.57	¥835.34	¥49,787.23	¥200,814.04
117	¥50,622.57	¥669.38	¥49,953.19	¥150,860.85
118	¥50,622.57	¥502.87	¥50,119.70	¥100,741.15
119	¥50,622.57	¥335.80	¥50,286.77	¥50,454.39
120	¥50,622.57	¥168.18	¥50,454.39	¥0.00

¥58,333.33

等额本金 / 首月还款金额

贷款类型：等额本金

利息总额：¥1,008,333.33

还款总额：¥6,008,333.33

期数	每月还款	偿还利息	偿还本金	剩余本金


1	¥58,333.33	¥16,666.67	¥41,666.67	¥4,958,333.33
2	¥58,194.44	¥16,527.78	¥41,666.67	¥4,916,666.67
3	¥58,055.56	¥16,388.89	¥41,666.67	¥4,875,000.00
4	¥57,916.67	¥16,250.00	¥41,666.67	¥4,833,333.33
5	¥57,777.78	¥16,111.11	¥41,666.67	¥4,791,666.67
6	¥57,638.89	¥15,972.22	¥41,666.67	¥4,750,000.00
7	¥57,500.00	¥15,833.33	¥41,666.67	¥4,708,333.33
8	¥57,361.11	¥15,694.44	¥41,666.67	¥4,666,666.67
9	¥57,222.22	¥15,555.56	¥41,666.67	¥4,625,000.00
10	¥57,083.33	¥15,416.67	¥41,666.67	¥4,583,333.33
11	¥56,944.44	¥15,277.78	¥41,666.67	¥4,541,666.67
12	¥56,805.56	¥15,138.89	¥41,666.67	¥4,500,000.00
13	¥56,666.67	¥15,000.00	¥41,666.67	¥4,458,333.33
14	¥56,527.78	¥14,861.11	¥41,666.67	¥4,416,666.67
15	¥56,388.89	¥14,722.22	¥41,666.67	¥4,375,000.00
16	¥56,250.00	¥14,583.33	¥41,666.67	¥4,333,333.33
17	¥56,111.11	¥14,444.44	¥41,666.67	¥4,291,666.67
18	¥55,972.22	¥14,305.56	¥41,666.67	¥4,250,000.00
19	¥55,833.33	¥14,166.67	¥41,666.67	¥4,208,333.33
20	¥55,694.44	¥14,027.78	¥41,666.67	¥4,166,666.67
21	¥55,555.56	¥13,888.89	¥41,666.67	¥4,125,000.00
22	¥55,416.67	¥13,750.00	¥41,666.67	¥4,083,333.33
23	¥55,277.78	¥13,611.11	¥41,666.67	¥4,041,666.67
24	¥55,138.89	¥13,472.22	¥41,666.67	¥4,000,000.00
25	¥55,000.00	¥13,333.33	¥41,666.67	¥3,958,333.33
26	¥54,861.11	¥13,194.44	¥41,666.67	¥3,916,666.67
27	¥54,722.22	¥13,055.56	¥41,666.67	¥3,875,000.00
28	¥54,583.33	¥12,916.67	¥41,666.67	¥3,833,333.33
29	¥54,444.44	¥12,777.78	¥41,666.67	¥3,791,666.67
30	¥54,305.56	¥12,638.89	¥41,666.67	¥3,750,000.00
31	¥54,166.67	¥12,500.00	¥41,666.67	¥3,708,333.33
32	¥54,027.78	¥12,361.11	¥41,666.67	¥3,666,666.67
33	¥53,888.89	¥12,222.22	¥41,666.67	¥3,625,000.00
34	¥53,750.00	¥12,083.33	¥41,666.67	¥3,583,333.33
35	¥53,611.11	¥11,944.44	¥41,666.67	¥3,541,666.67
36	¥53,472.22	¥11,805.56	¥41,666.67	¥3,500,000.00
37	¥53,333.33	¥11,666.67	¥41,666.67	¥3,458,333.33
38	¥53,194.44	¥11,527.78	¥41,666.67	¥3,416,666.67
39	¥53,055.56	¥11,388.89	¥41,666.67	¥3,375,000.00
40	¥52,916.67	¥11,250.00	¥41,666.67	¥3,333,333.33
41	¥52,777.78	¥11,111.11	¥41,666.67	¥3,291,666.67
42	¥52,638.89	¥10,972.22	¥41,666.67	¥3,250,000.00
43	¥52,500.00	¥10,833.33	¥41,666.67	¥3,208,333.33
44	¥52,361.11	¥10,694.44	¥41,666.67	¥3,166,666.67
45	¥52,222.22	¥10,555.56	¥41,666.67	¥3,125,000.00
46	¥52,083.33	¥10,416.67	¥41,666.67	¥3,083,333.33
47	¥51,944.44	¥10,277.78	¥41,666.67	¥3,041,666.67
48	¥51,805.56	¥10,138.89	¥41,666.67	¥3,000,000.00
49	¥51,666.67	¥10,000.00	¥41,666.67	¥2,958,333.33
50	¥51,527.78	¥9,861.11	¥41,666.67	¥2,916,666.67
51	¥51,388.89	¥9,722.22	¥41,666.67	¥2,875,000.00
52	¥51,250.00	¥9,583.33	¥41,666.67	¥2,833,333.33
53	¥51,111.11	¥9,444.44	¥41,666.67	¥2,791,666.67
54	¥50,972.22	¥9,305.56	¥41,666.67	¥2,750,000.00
55	¥50,833.33	¥9,166.67	¥41,666.67	¥2,708,333.33
56	¥50,694.44	¥9,027.78	¥41,666.67	¥2,666,666.67
57	¥50,555.56	¥8,888.89	¥41,666.67	¥2,625,000.00
58	¥50,416.67	¥8,750.00	¥41,666.67	¥2,583,333.33
59	¥50,277.78	¥8,611.11	¥41,666.67	¥2,541,666.67
60	¥50,138.89	¥8,472.22	¥41,666.67	¥2,500,000.00
61	¥50,000.00	¥8,333.33	¥41,666.67	¥2,458,333.33
62	¥49,861.11	¥8,194.44	¥41,666.67	¥2,416,666.67
63	¥49,722.22	¥8,055.56	¥41,666.67	¥2,375,000.00
64	¥49,583.33	¥7,916.67	¥41,666.67	¥2,333,333.33
65	¥49,444.44	¥7,777.78	¥41,666.67	¥2,291,666.67
66	¥49,305.56	¥7,638.89	¥41,666.67	¥2,250,000.00
67	¥49,166.67	¥7,500.00	¥41,666.67	¥2,208,333.33
68	¥49,027.78	¥7,361.11	¥41,666.67	¥2,166,666.67
69	¥48,888.89	¥7,222.22	¥41,666.67	¥2,125,000.00
70	¥48,750.00	¥7,083.33	¥41,666.67	¥2,083,333.33
71	¥48,611.11	¥6,944.44	¥41,666.67	¥2,041,666.67
72	¥48,472.22	¥6,805.56	¥41,666.67	¥2,000,000.00
73	¥48,333.33	¥6,666.67	¥41,666.67	¥1,958,333.33
74	¥48,194.44	¥6,527.78	¥41,666.67	¥1,916,666.67
75	¥48,055.56	¥6,388.89	¥41,666.67	¥1,875,000.00
76	¥47,916.67	¥6,250.00	¥41,666.67	¥1,833,333.33
77	¥47,777.78	¥6,111.11	¥41,666.67	¥1,791,666.67
78	¥47,638.89	¥5,972.22	¥41,666.67	¥1,750,000.00
79	¥47,500.00	¥5,833.33	¥41,666.67	¥1,708,333.33
80	¥47,361.11	¥5,694.44	¥41,666.67	¥1,666,666.67
81	¥47,222.22	¥5,555.56	¥41,666.67	¥1,625,000.00
82	¥47,083.33	¥5,416.67	¥41,666.67	¥1,583,333.33
83	¥46,944.44	¥5,277.78	¥41,666.67	¥1,541,666.67
84	¥46,805.56	¥5,138.89	¥41,666.67	¥1,500,000.00
85	¥46,666.67	¥5,000.00	¥41,666.67	¥1,458,333.33
86	¥46,527.78	¥4,861.11	¥41,666.67	¥1,416,666.67
87	¥46,388.89	¥4,722.22	¥41,666.67	¥1,375,000.00
88	¥46,250.00	¥4,583.33	¥41,666.67	¥1,333,333.33
89	¥46,111.11	¥4,444.44	¥41,666.67	¥1,291,666.67
90	¥45,972.22	¥4,305.56	¥41,666.67	¥1,250,000.00
91	¥45,833.33	¥4,166.67	¥41,666.67	¥1,208,333.33
92	¥45,694.44	¥4,027.78	¥41,666.67	¥1,166,666.67
93	¥45,555.56	¥3,888.89	¥41,666.67	¥1,125,000.00
94	¥45,416.67	¥3,750.00	¥41,666.67	¥1,083,333.33
95	¥45,277.78	¥3,611.11	¥41,666.67	¥1,041,666.67
96	¥45,138.89	¥3,472.22	¥41,666.67	¥1,000,000.00
97	¥45,000.00	¥3,333.33	¥41,666.67	¥958,333.33
98	¥44,861.11	¥3,194.44	¥41,666.67	¥916,666.67
99	¥44,722.22	¥3,055.56	¥41,666.67	¥875,000.00
100	¥44,583.33	¥2,916.67	¥41,666.67	¥833,333.33
101	¥44,444.44	¥2,777.78	¥41,666.67	¥791,666.67
102	¥44,305.56	¥2,638.89	¥41,666.67	¥750,000.00
103	¥44,166.67	¥2,500.00	¥41,666.67	¥708,333.33
104	¥44,027.78	¥2,361.11	¥41,666.67	¥666,666.67
105	¥43,888.89	¥2,222.22	¥41,666.67	¥625,000.00
106	¥43,750.00	¥2,083.33	¥41,666.67	¥583,333.33
107	¥43,611.11	¥1,944.44	¥41,666.67	¥541,666.67
108	¥43,472.22	¥1,805.56	¥41,666.67	¥500,000.00
109	¥43,333.33	¥1,666.67	¥41,666.67	¥458,333.33
110	¥43,194.44	¥1,527.78	¥41,666.67	¥416,666.67
111	¥43,055.56	¥1,388.89	¥41,666.67	¥375,000.00
112	¥42,916.67	¥1,250.00	¥41,666.67	¥333,333.33
113	¥42,777.78	¥1,111.11	¥41,666.67	¥291,666.67
114	¥42,638.89	¥972.22	¥41,666.67	¥250,000.00
115	¥42,500.00	¥833.33	¥41,666.67	¥208,333.33
116	¥42,361.11	¥694.44	¥41,666.67	¥166,666.67
117	¥42,222.22	¥555.56	¥41,666.67	¥125,000.00
118	¥42,083.33	¥416.67	¥41,666.67	¥83,333.33
119	¥41,944.44	¥277.78	¥41,666.67	¥41,666.67
120	¥41,805.56	¥138.89	¥41,666.67	¥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。