2025贷款计算器 - 最新利率比较/试算

贷款金额500万元，贷款20年，利率4.00%，总利息为2271764元，每个月还款30299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

贷款150万元30年 贷款200万元30年 贷款250万元30年 贷款300万元30年 贷款350万元30年 贷款400万元30年 贷款450万元30年 贷款500万元30年 贷款550万元30年 贷款600万元30年 贷款100万元20年 贷款150万元20年 贷款200万元20年 贷款250万元20年 贷款300万元20年 贷款350万元20年 贷款400万元20年 贷款450万元20年 贷款500万元20年 贷款550万元20年 贷款600万元20年 贷款100万元10年 贷款150万元10年 贷款200万元10年 贷款250万元10年 贷款300万元10年 贷款350万元10年 贷款400万元10年 贷款450万元10年 贷款500万元10年 贷款550万元10年 贷款600万元10年

"等额本息"与"等额本金" 利息及还款金额对比分析
¥30,299.02
等额本息 / 每月还款金额

贷款类型：等额本息

利息总额：¥2,271,763.95

还款总额：¥7,271,763.95

期数每月还款偿还利息偿还本金剩余本金
1¥30,299.02¥16,666.67¥13,632.35¥4,986,367.65
2¥30,299.02¥16,621.23¥13,677.79¥4,972,689.86
3¥30,299.02¥16,575.63¥13,723.38¥4,958,966.48
4¥30,299.02¥16,529.89¥13,769.13¥4,945,197.35
5¥30,299.02¥16,483.99¥13,815.03¥4,931,382.32
6¥30,299.02¥16,437.94¥13,861.08¥4,917,521.25
7¥30,299.02¥16,391.74¥13,907.28¥4,903,613.97
8¥30,299.02¥16,345.38¥13,953.64¥4,889,660.33
9¥30,299.02¥16,298.87¥14,000.15¥4,875,660.18
10¥30,299.02¥16,252.20¥14,046.82¥4,861,613.37
11¥30,299.02¥16,205.38¥14,093.64¥4,847,519.73
12¥30,299.02¥16,158.40¥14,140.62¥4,833,379.11
13¥30,299.02¥16,111.26¥14,187.75¥4,819,191.36
14¥30,299.02¥16,063.97¥14,235.05¥4,804,956.31
15¥30,299.02¥16,016.52¥14,282.50¥4,790,673.82
16¥30,299.02¥15,968.91¥14,330.10¥4,776,343.71
17¥30,299.02¥15,921.15¥14,377.87¥4,761,965.84
18¥30,299.02¥15,873.22¥14,425.80¥4,747,540.05
19¥30,299.02¥15,825.13¥14,473.88¥4,733,066.16
20¥30,299.02¥15,776.89¥14,522.13¥4,718,544.03
21¥30,299.02¥15,728.48¥14,570.54¥4,703,973.50
22¥30,299.02¥15,679.91¥14,619.10¥4,689,354.39
23¥30,299.02¥15,631.18¥14,667.84¥4,674,686.56
24¥30,299.02¥15,582.29¥14,716.73¥4,659,969.83
25¥30,299.02¥15,533.23¥14,765.78¥4,645,204.05
26¥30,299.02¥15,484.01¥14,815.00¥4,630,389.04
27¥30,299.02¥15,434.63¥14,864.39¥4,615,524.66
28¥30,299.02¥15,385.08¥14,913.93¥4,600,610.72
29¥30,299.02¥15,335.37¥14,963.65¥4,585,647.07
30¥30,299.02¥15,285.49¥15,013.53¥4,570,633.55
31¥30,299.02¥15,235.45¥15,063.57¥4,555,569.98
32¥30,299.02¥15,185.23¥15,113.78¥4,540,456.19
33¥30,299.02¥15,134.85¥15,164.16¥4,525,292.03
34¥30,299.02¥15,084.31¥15,214.71¥4,510,077.32
35¥30,299.02¥15,033.59¥15,265.43¥4,494,811.90
36¥30,299.02¥14,982.71¥15,316.31¥4,479,495.59
37¥30,299.02¥14,931.65¥15,367.36¥4,464,128.22
38¥30,299.02¥14,880.43¥15,418.59¥4,448,709.63
39¥30,299.02¥14,829.03¥15,469.98¥4,433,239.65
40¥30,299.02¥14,777.47¥15,521.55¥4,417,718.10
41¥30,299.02¥14,725.73¥15,573.29¥4,402,144.81
42¥30,299.02¥14,673.82¥15,625.20¥4,386,519.61
43¥30,299.02¥14,621.73¥15,677.28¥4,370,842.32
44¥30,299.02¥14,569.47¥15,729.54¥4,355,112.78
45¥30,299.02¥14,517.04¥15,781.97¥4,339,330.81
46¥30,299.02¥14,464.44¥15,834.58¥4,323,496.23
47¥30,299.02¥14,411.65¥15,887.36¥4,307,608.86
48¥30,299.02¥14,358.70¥15,940.32¥4,291,668.54
49¥30,299.02¥14,305.56¥15,993.45¥4,275,675.09
50¥30,299.02¥14,252.25¥16,046.77¥4,259,628.32
51¥30,299.02¥14,198.76¥16,100.26¥4,243,528.07
52¥30,299.02¥14,145.09¥16,153.92¥4,227,374.14
53¥30,299.02¥14,091.25¥16,207.77¥4,211,166.38
54¥30,299.02¥14,037.22¥16,261.80¥4,194,904.58
55¥30,299.02¥13,983.02¥16,316.00¥4,178,588.58
56¥30,299.02¥13,928.63¥16,370.39¥4,162,218.19
57¥30,299.02¥13,874.06¥16,424.96¥4,145,793.24
58¥30,299.02¥13,819.31¥16,479.71¥4,129,313.53
59¥30,299.02¥13,764.38¥16,534.64¥4,112,778.89
60¥30,299.02¥13,709.26¥16,589.75¥4,096,189.14
61¥30,299.02¥13,653.96¥16,645.05¥4,079,544.09
62¥30,299.02¥13,598.48¥16,700.54¥4,062,843.55
63¥30,299.02¥13,542.81¥16,756.20¥4,046,087.34
64¥30,299.02¥13,486.96¥16,812.06¥4,029,275.29
65¥30,299.02¥13,430.92¥16,868.10¥4,012,407.19
66¥30,299.02¥13,374.69¥16,924.33¥3,995,482.86
67¥30,299.02¥13,318.28¥16,980.74¥3,978,502.12
68¥30,299.02¥13,261.67¥17,037.34¥3,961,464.78
69¥30,299.02¥13,204.88¥17,094.13¥3,944,370.64
70¥30,299.02¥13,147.90¥17,151.11¥3,927,219.53
71¥30,299.02¥13,090.73¥17,208.28¥3,910,011.25
72¥30,299.02¥13,033.37¥17,265.65¥3,892,745.60
73¥30,299.02¥12,975.82¥17,323.20¥3,875,422.40
74¥30,299.02¥12,918.07¥17,380.94¥3,858,041.46
75¥30,299.02¥12,860.14¥17,438.88¥3,840,602.58
76¥30,299.02¥12,802.01¥17,497.01¥3,823,105.57
77¥30,299.02¥12,743.69¥17,555.33¥3,805,550.24
78¥30,299.02¥12,685.17¥17,613.85¥3,787,936.39
79¥30,299.02¥12,626.45¥17,672.56¥3,770,263.83
80¥30,299.02¥12,567.55¥17,731.47¥3,752,532.36
81¥30,299.02¥12,508.44¥17,790.58¥3,734,741.79
82¥30,299.02¥12,449.14¥17,849.88¥3,716,891.91
83¥30,299.02¥12,389.64¥17,909.38¥3,698,982.53
84¥30,299.02¥12,329.94¥17,969.07¥3,681,013.46
85¥30,299.02¥12,270.04¥18,028.97¥3,662,984.49
86¥30,299.02¥12,209.95¥18,089.07¥3,644,895.42
87¥30,299.02¥12,149.65¥18,149.37¥3,626,746.05
88¥30,299.02¥12,089.15¥18,209.86¥3,608,536.19
89¥30,299.02¥12,028.45¥18,270.56¥3,590,265.63
90¥30,299.02¥11,967.55¥18,331.46¥3,571,934.16
91¥30,299.02¥11,906.45¥18,392.57¥3,553,541.59
92¥30,299.02¥11,845.14¥18,453.88¥3,535,087.72
93¥30,299.02¥11,783.63¥18,515.39¥3,516,572.33
94¥30,299.02¥11,721.91¥18,577.11¥3,497,995.22
95¥30,299.02¥11,659.98¥18,639.03¥3,479,356.18
96¥30,299.02¥11,597.85¥18,701.16¥3,460,655.02
97¥30,299.02¥11,535.52¥18,763.50¥3,441,891.52
98¥30,299.02¥11,472.97¥18,826.04¥3,423,065.48
99¥30,299.02¥11,410.22¥18,888.80¥3,404,176.68
100¥30,299.02¥11,347.26¥18,951.76¥3,385,224.92
101¥30,299.02¥11,284.08¥19,014.93¥3,366,209.98
102¥30,299.02¥11,220.70¥19,078.32¥3,347,131.67
103¥30,299.02¥11,157.11¥19,141.91¥3,327,989.76
104¥30,299.02¥11,093.30¥19,205.72¥3,308,784.04
105¥30,299.02¥11,029.28¥19,269.74¥3,289,514.30
106¥30,299.02¥10,965.05¥19,333.97¥3,270,180.33
107¥30,299.02¥10,900.60¥19,398.42¥3,250,781.92
108¥30,299.02¥10,835.94¥19,463.08¥3,231,318.84
109¥30,299.02¥10,771.06¥19,527.95¥3,211,790.89
110¥30,299.02¥10,705.97¥19,593.05¥3,192,197.84
111¥30,299.02¥10,640.66¥19,658.36¥3,172,539.49
112¥30,299.02¥10,575.13¥19,723.88¥3,152,815.60
113¥30,299.02¥10,509.39¥19,789.63¥3,133,025.97
114¥30,299.02¥10,443.42¥19,855.60¥3,113,170.37
115¥30,299.02¥10,377.23¥19,921.78¥3,093,248.59
116¥30,299.02¥10,310.83¥19,988.19¥3,073,260.40
117¥30,299.02¥10,244.20¥20,054.82¥3,053,205.59
118¥30,299.02¥10,177.35¥20,121.66¥3,033,083.92
119¥30,299.02¥10,110.28¥20,188.74¥3,012,895.19
120¥30,299.02¥10,042.98¥20,256.03¥2,992,639.15
121¥30,299.02¥9,975.46¥20,323.55¥2,972,315.60
122¥30,299.02¥9,907.72¥20,391.30¥2,951,924.30
123¥30,299.02¥9,839.75¥20,459.27¥2,931,465.04
124¥30,299.02¥9,771.55¥20,527.47¥2,910,937.57
125¥30,299.02¥9,703.13¥20,595.89¥2,890,341.68
126¥30,299.02¥9,634.47¥20,664.54¥2,869,677.13
127¥30,299.02¥9,565.59¥20,733.43¥2,848,943.71
128¥30,299.02¥9,496.48¥20,802.54¥2,828,141.17
129¥30,299.02¥9,427.14¥20,871.88¥2,807,269.29
130¥30,299.02¥9,357.56¥20,941.45¥2,786,327.84
131¥30,299.02¥9,287.76¥21,011.26¥2,765,316.58
132¥30,299.02¥9,217.72¥21,081.29¥2,744,235.29
133¥30,299.02¥9,147.45¥21,151.57¥2,723,083.72
134¥30,299.02¥9,076.95¥21,222.07¥2,701,861.65
135¥30,299.02¥9,006.21¥21,292.81¥2,680,568.84
136¥30,299.02¥8,935.23¥21,363.79¥2,659,205.05
137¥30,299.02¥8,864.02¥21,435.00¥2,637,770.05
138¥30,299.02¥8,792.57¥21,506.45¥2,616,263.60
139¥30,299.02¥8,720.88¥21,578.14¥2,594,685.47
140¥30,299.02¥8,648.95¥21,650.06¥2,573,035.40
141¥30,299.02¥8,576.78¥21,722.23¥2,551,313.17
142¥30,299.02¥8,504.38¥21,794.64¥2,529,518.53
143¥30,299.02¥8,431.73¥21,867.29¥2,507,651.24
144¥30,299.02¥8,358.84¥21,940.18¥2,485,711.06
145¥30,299.02¥8,285.70¥22,013.31¥2,463,697.75
146¥30,299.02¥8,212.33¥22,086.69¥2,441,611.06
147¥30,299.02¥8,138.70¥22,160.31¥2,419,450.75
148¥30,299.02¥8,064.84¥22,234.18¥2,397,216.57
149¥30,299.02¥7,990.72¥22,308.29¥2,374,908.27
150¥30,299.02¥7,916.36¥22,382.66¥2,352,525.62
151¥30,299.02¥7,841.75¥22,457.26¥2,330,068.35
152¥30,299.02¥7,766.89¥22,532.12¥2,307,536.23
153¥30,299.02¥7,691.79¥22,607.23¥2,284,929.00
154¥30,299.02¥7,616.43¥22,682.59¥2,262,246.41
155¥30,299.02¥7,540.82¥22,758.20¥2,239,488.22
156¥30,299.02¥7,464.96¥22,834.06¥2,216,654.16
157¥30,299.02¥7,388.85¥22,910.17¥2,193,743.99
158¥30,299.02¥7,312.48¥22,986.54¥2,170,757.46
159¥30,299.02¥7,235.86¥23,063.16¥2,147,694.30
160¥30,299.02¥7,158.98¥23,140.04¥2,124,554.26
161¥30,299.02¥7,081.85¥23,217.17¥2,101,337.09
162¥30,299.02¥7,004.46¥23,294.56¥2,078,042.53
163¥30,299.02¥6,926.81¥23,372.21¥2,054,670.33
164¥30,299.02¥6,848.90¥23,450.12¥2,031,220.21
165¥30,299.02¥6,770.73¥23,528.28¥2,007,691.93
166¥30,299.02¥6,692.31¥23,606.71¥1,984,085.22
167¥30,299.02¥6,613.62¥23,685.40¥1,960,399.82
168¥30,299.02¥6,534.67¥23,764.35¥1,936,635.47
169¥30,299.02¥6,455.45¥23,843.56¥1,912,791.90
170¥30,299.02¥6,375.97¥23,923.04¥1,888,868.86
171¥30,299.02¥6,296.23¥24,002.79¥1,864,866.07
172¥30,299.02¥6,216.22¥24,082.80¥1,840,783.28
173¥30,299.02¥6,135.94¥24,163.07¥1,816,620.21
174¥30,299.02¥6,055.40¥24,243.62¥1,792,376.59
175¥30,299.02¥5,974.59¥24,324.43¥1,768,052.16
176¥30,299.02¥5,893.51¥24,405.51¥1,743,646.65
177¥30,299.02¥5,812.16¥24,486.86¥1,719,159.79
178¥30,299.02¥5,730.53¥24,568.48¥1,694,591.31
179¥30,299.02¥5,648.64¥24,650.38¥1,669,940.93
180¥30,299.02¥5,566.47¥24,732.55¥1,645,208.38
181¥30,299.02¥5,484.03¥24,814.99¥1,620,393.39
182¥30,299.02¥5,401.31¥24,897.71¥1,595,495.69
183¥30,299.02¥5,318.32¥24,980.70¥1,570,514.99
184¥30,299.02¥5,235.05¥25,063.97¥1,545,451.03
185¥30,299.02¥5,151.50¥25,147.51¥1,520,303.51
186¥30,299.02¥5,067.68¥25,231.34¥1,495,072.17
187¥30,299.02¥4,983.57¥25,315.44¥1,469,756.73
188¥30,299.02¥4,899.19¥25,399.83¥1,444,356.90
189¥30,299.02¥4,814.52¥25,484.49¥1,418,872.41
190¥30,299.02¥4,729.57¥25,569.44¥1,393,302.97
191¥30,299.02¥4,644.34¥25,654.67¥1,367,648.30
192¥30,299.02¥4,558.83¥25,740.19¥1,341,908.11
193¥30,299.02¥4,473.03¥25,825.99¥1,316,082.12
194¥30,299.02¥4,386.94¥25,912.08¥1,290,170.04
195¥30,299.02¥4,300.57¥25,998.45¥1,264,171.59
196¥30,299.02¥4,213.91¥26,085.11¥1,238,086.48
197¥30,299.02¥4,126.95¥26,172.06¥1,211,914.42
198¥30,299.02¥4,039.71¥26,259.30¥1,185,655.12
199¥30,299.02¥3,952.18¥26,346.83¥1,159,308.28
200¥30,299.02¥3,864.36¥26,434.66¥1,132,873.63
201¥30,299.02¥3,776.25¥26,522.77¥1,106,350.86
202¥30,299.02¥3,687.84¥26,611.18¥1,079,739.68
203¥30,299.02¥3,599.13¥26,699.88¥1,053,039.79
204¥30,299.02¥3,510.13¥26,788.88¥1,026,250.91
205¥30,299.02¥3,420.84¥26,878.18¥999,372.73
206¥30,299.02¥3,331.24¥26,967.77¥972,404.96
207¥30,299.02¥3,241.35¥27,057.67¥945,347.29
208¥30,299.02¥3,151.16¥27,147.86¥918,199.43
209¥30,299.02¥3,060.66¥27,238.35¥890,961.08
210¥30,299.02¥2,969.87¥27,329.15¥863,631.93
211¥30,299.02¥2,878.77¥27,420.24¥836,211.69
212¥30,299.02¥2,787.37¥27,511.64¥808,700.04
213¥30,299.02¥2,695.67¥27,603.35¥781,096.69
214¥30,299.02¥2,603.66¥27,695.36¥753,401.33
215¥30,299.02¥2,511.34¥27,787.68¥725,613.66
216¥30,299.02¥2,418.71¥27,880.30¥697,733.35
217¥30,299.02¥2,325.78¥27,973.24¥669,760.11
218¥30,299.02¥2,232.53¥28,066.48¥641,693.63
219¥30,299.02¥2,138.98¥28,160.04¥613,533.59
220¥30,299.02¥2,045.11¥28,253.90¥585,279.69
221¥30,299.02¥1,950.93¥28,348.08¥556,931.60
222¥30,299.02¥1,856.44¥28,442.58¥528,489.03
223¥30,299.02¥1,761.63¥28,537.39¥499,951.64
224¥30,299.02¥1,666.51¥28,632.51¥471,319.13
225¥30,299.02¥1,571.06¥28,727.95¥442,591.18
226¥30,299.02¥1,475.30¥28,823.71¥413,767.46
227¥30,299.02¥1,379.22¥28,919.79¥384,847.67
228¥30,299.02¥1,282.83¥29,016.19¥355,831.48
229¥30,299.02¥1,186.10¥29,112.91¥326,718.57
230¥30,299.02¥1,089.06¥29,209.95¥297,508.61
231¥30,299.02¥991.70¥29,307.32¥268,201.29
232¥30,299.02¥894.00¥29,405.01¥238,796.28
233¥30,299.02¥795.99¥29,503.03¥209,293.25
234¥30,299.02¥697.64¥29,601.37¥179,691.88
235¥30,299.02¥598.97¥29,700.04¥149,991.84
236¥30,299.02¥499.97¥29,799.04¥120,192.79
237¥30,299.02¥400.64¥29,898.37¥90,294.42
238¥30,299.02¥300.98¥29,998.04¥60,296.38
239¥30,299.02¥200.99¥30,098.03¥30,198.36
240¥30,299.02¥100.66¥30,198.36¥0.00
¥37,500.00
等额本金 / 首月还款金额

贷款类型：等额本金

利息总额：¥2,008,333.33

还款总额：¥7,008,333.33

期数每月还款偿还利息偿还本金剩余本金
1¥37,500.00¥16,666.67¥20,833.33¥4,979,166.67
2¥37,430.56¥16,597.22¥20,833.33¥4,958,333.33
3¥37,361.11¥16,527.78¥20,833.33¥4,937,500.00
4¥37,291.67¥16,458.33¥20,833.33¥4,916,666.67
5¥37,222.22¥16,388.89¥20,833.33¥4,895,833.33
6¥37,152.78¥16,319.44¥20,833.33¥4,875,000.00
7¥37,083.33¥16,250.00¥20,833.33¥4,854,166.67
8¥37,013.89¥16,180.56¥20,833.33¥4,833,333.33
9¥36,944.44¥16,111.11¥20,833.33¥4,812,500.00
10¥36,875.00¥16,041.67¥20,833.33¥4,791,666.67
11¥36,805.56¥15,972.22¥20,833.33¥4,770,833.33
12¥36,736.11¥15,902.78¥20,833.33¥4,750,000.00
13¥36,666.67¥15,833.33¥20,833.33¥4,729,166.67
14¥36,597.22¥15,763.89¥20,833.33¥4,708,333.33
15¥36,527.78¥15,694.44¥20,833.33¥4,687,500.00
16¥36,458.33¥15,625.00¥20,833.33¥4,666,666.67
17¥36,388.89¥15,555.56¥20,833.33¥4,645,833.33
18¥36,319.44¥15,486.11¥20,833.33¥4,625,000.00
19¥36,250.00¥15,416.67¥20,833.33¥4,604,166.67
20¥36,180.56¥15,347.22¥20,833.33¥4,583,333.33
21¥36,111.11¥15,277.78¥20,833.33¥4,562,500.00
22¥36,041.67¥15,208.33¥20,833.33¥4,541,666.67
23¥35,972.22¥15,138.89¥20,833.33¥4,520,833.33
24¥35,902.78¥15,069.44¥20,833.33¥4,500,000.00
25¥35,833.33¥15,000.00¥20,833.33¥4,479,166.67
26¥35,763.89¥14,930.56¥20,833.33¥4,458,333.33
27¥35,694.44¥14,861.11¥20,833.33¥4,437,500.00
28¥35,625.00¥14,791.67¥20,833.33¥4,416,666.67
29¥35,555.56¥14,722.22¥20,833.33¥4,395,833.33
30¥35,486.11¥14,652.78¥20,833.33¥4,375,000.00
31¥35,416.67¥14,583.33¥20,833.33¥4,354,166.67
32¥35,347.22¥14,513.89¥20,833.33¥4,333,333.33
33¥35,277.78¥14,444.44¥20,833.33¥4,312,500.00
34¥35,208.33¥14,375.00¥20,833.33¥4,291,666.67
35¥35,138.89¥14,305.56¥20,833.33¥4,270,833.33
36¥35,069.44¥14,236.11¥20,833.33¥4,250,000.00
37¥35,000.00¥14,166.67¥20,833.33¥4,229,166.67
38¥34,930.56¥14,097.22¥20,833.33¥4,208,333.33
39¥34,861.11¥14,027.78¥20,833.33¥4,187,500.00
40¥34,791.67¥13,958.33¥20,833.33¥4,166,666.67
41¥34,722.22¥13,888.89¥20,833.33¥4,145,833.33
42¥34,652.78¥13,819.44¥20,833.33¥4,125,000.00
43¥34,583.33¥13,750.00¥20,833.33¥4,104,166.67
44¥34,513.89¥13,680.56¥20,833.33¥4,083,333.33
45¥34,444.44¥13,611.11¥20,833.33¥4,062,500.00
46¥34,375.00¥13,541.67¥20,833.33¥4,041,666.67
47¥34,305.56¥13,472.22¥20,833.33¥4,020,833.33
48¥34,236.11¥13,402.78¥20,833.33¥4,000,000.00
49¥34,166.67¥13,333.33¥20,833.33¥3,979,166.67
50¥34,097.22¥13,263.89¥20,833.33¥3,958,333.33
51¥34,027.78¥13,194.44¥20,833.33¥3,937,500.00
52¥33,958.33¥13,125.00¥20,833.33¥3,916,666.67
53¥33,888.89¥13,055.56¥20,833.33¥3,895,833.33
54¥33,819.44¥12,986.11¥20,833.33¥3,875,000.00
55¥33,750.00¥12,916.67¥20,833.33¥3,854,166.67
56¥33,680.56¥12,847.22¥20,833.33¥3,833,333.33
57¥33,611.11¥12,777.78¥20,833.33¥3,812,500.00
58¥33,541.67¥12,708.33¥20,833.33¥3,791,666.67
59¥33,472.22¥12,638.89¥20,833.33¥3,770,833.33
60¥33,402.78¥12,569.44¥20,833.33¥3,750,000.00
61¥33,333.33¥12,500.00¥20,833.33¥3,729,166.67
62¥33,263.89¥12,430.56¥20,833.33¥3,708,333.33
63¥33,194.44¥12,361.11¥20,833.33¥3,687,500.00
64¥33,125.00¥12,291.67¥20,833.33¥3,666,666.67
65¥33,055.56¥12,222.22¥20,833.33¥3,645,833.33
66¥32,986.11¥12,152.78¥20,833.33¥3,625,000.00
67¥32,916.67¥12,083.33¥20,833.33¥3,604,166.67
68¥32,847.22¥12,013.89¥20,833.33¥3,583,333.33
69¥32,777.78¥11,944.44¥20,833.33¥3,562,500.00
70¥32,708.33¥11,875.00¥20,833.33¥3,541,666.67
71¥32,638.89¥11,805.56¥20,833.33¥3,520,833.33
72¥32,569.44¥11,736.11¥20,833.33¥3,500,000.00
73¥32,500.00¥11,666.67¥20,833.33¥3,479,166.67
74¥32,430.56¥11,597.22¥20,833.33¥3,458,333.33
75¥32,361.11¥11,527.78¥20,833.33¥3,437,500.00
76¥32,291.67¥11,458.33¥20,833.33¥3,416,666.67
77¥32,222.22¥11,388.89¥20,833.33¥3,395,833.33
78¥32,152.78¥11,319.44¥20,833.33¥3,375,000.00
79¥32,083.33¥11,250.00¥20,833.33¥3,354,166.67
80¥32,013.89¥11,180.56¥20,833.33¥3,333,333.33
81¥31,944.44¥11,111.11¥20,833.33¥3,312,500.00
82¥31,875.00¥11,041.67¥20,833.33¥3,291,666.67
83¥31,805.56¥10,972.22¥20,833.33¥3,270,833.33
84¥31,736.11¥10,902.78¥20,833.33¥3,250,000.00
85¥31,666.67¥10,833.33¥20,833.33¥3,229,166.67
86¥31,597.22¥10,763.89¥20,833.33¥3,208,333.33
87¥31,527.78¥10,694.44¥20,833.33¥3,187,500.00
88¥31,458.33¥10,625.00¥20,833.33¥3,166,666.67
89¥31,388.89¥10,555.56¥20,833.33¥3,145,833.33
90¥31,319.44¥10,486.11¥20,833.33¥3,125,000.00
91¥31,250.00¥10,416.67¥20,833.33¥3,104,166.67
92¥31,180.56¥10,347.22¥20,833.33¥3,083,333.33
93¥31,111.11¥10,277.78¥20,833.33¥3,062,500.00
94¥31,041.67¥10,208.33¥20,833.33¥3,041,666.67
95¥30,972.22¥10,138.89¥20,833.33¥3,020,833.33
96¥30,902.78¥10,069.44¥20,833.33¥3,000,000.00
97¥30,833.33¥10,000.00¥20,833.33¥2,979,166.67
98¥30,763.89¥9,930.56¥20,833.33¥2,958,333.33
99¥30,694.44¥9,861.11¥20,833.33¥2,937,500.00
100¥30,625.00¥9,791.67¥20,833.33¥2,916,666.67
101¥30,555.56¥9,722.22¥20,833.33¥2,895,833.33
102¥30,486.11¥9,652.78¥20,833.33¥2,875,000.00
103¥30,416.67¥9,583.33¥20,833.33¥2,854,166.67
104¥30,347.22¥9,513.89¥20,833.33¥2,833,333.33
105¥30,277.78¥9,444.44¥20,833.33¥2,812,500.00
106¥30,208.33¥9,375.00¥20,833.33¥2,791,666.67
107¥30,138.89¥9,305.56¥20,833.33¥2,770,833.33
108¥30,069.44¥9,236.11¥20,833.33¥2,750,000.00
109¥30,000.00¥9,166.67¥20,833.33¥2,729,166.67
110¥29,930.56¥9,097.22¥20,833.33¥2,708,333.33
111¥29,861.11¥9,027.78¥20,833.33¥2,687,500.00
112¥29,791.67¥8,958.33¥20,833.33¥2,666,666.67
113¥29,722.22¥8,888.89¥20,833.33¥2,645,833.33
114¥29,652.78¥8,819.44¥20,833.33¥2,625,000.00
115¥29,583.33¥8,750.00¥20,833.33¥2,604,166.67
116¥29,513.89¥8,680.56¥20,833.33¥2,583,333.33
117¥29,444.44¥8,611.11¥20,833.33¥2,562,500.00
118¥29,375.00¥8,541.67¥20,833.33¥2,541,666.67
119¥29,305.56¥8,472.22¥20,833.33¥2,520,833.33
120¥29,236.11¥8,402.78¥20,833.33¥2,500,000.00
121¥29,166.67¥8,333.33¥20,833.33¥2,479,166.67
122¥29,097.22¥8,263.89¥20,833.33¥2,458,333.33
123¥29,027.78¥8,194.44¥20,833.33¥2,437,500.00
124¥28,958.33¥8,125.00¥20,833.33¥2,416,666.67
125¥28,888.89¥8,055.56¥20,833.33¥2,395,833.33
126¥28,819.44¥7,986.11¥20,833.33¥2,375,000.00
127¥28,750.00¥7,916.67¥20,833.33¥2,354,166.67
128¥28,680.56¥7,847.22¥20,833.33¥2,333,333.33
129¥28,611.11¥7,777.78¥20,833.33¥2,312,500.00
130¥28,541.67¥7,708.33¥20,833.33¥2,291,666.67
131¥28,472.22¥7,638.89¥20,833.33¥2,270,833.33
132¥28,402.78¥7,569.44¥20,833.33¥2,250,000.00
133¥28,333.33¥7,500.00¥20,833.33¥2,229,166.67
134¥28,263.89¥7,430.56¥20,833.33¥2,208,333.33
135¥28,194.44¥7,361.11¥20,833.33¥2,187,500.00
136¥28,125.00¥7,291.67¥20,833.33¥2,166,666.67
137¥28,055.56¥7,222.22¥20,833.33¥2,145,833.33
138¥27,986.11¥7,152.78¥20,833.33¥2,125,000.00
139¥27,916.67¥7,083.33¥20,833.33¥2,104,166.67
140¥27,847.22¥7,013.89¥20,833.33¥2,083,333.33
141¥27,777.78¥6,944.44¥20,833.33¥2,062,500.00
142¥27,708.33¥6,875.00¥20,833.33¥2,041,666.67
143¥27,638.89¥6,805.56¥20,833.33¥2,020,833.33
144¥27,569.44¥6,736.11¥20,833.33¥2,000,000.00
145¥27,500.00¥6,666.67¥20,833.33¥1,979,166.67
146¥27,430.56¥6,597.22¥20,833.33¥1,958,333.33
147¥27,361.11¥6,527.78¥20,833.33¥1,937,500.00
148¥27,291.67¥6,458.33¥20,833.33¥1,916,666.67
149¥27,222.22¥6,388.89¥20,833.33¥1,895,833.33
150¥27,152.78¥6,319.44¥20,833.33¥1,875,000.00
151¥27,083.33¥6,250.00¥20,833.33¥1,854,166.67
152¥27,013.89¥6,180.56¥20,833.33¥1,833,333.33
153¥26,944.44¥6,111.11¥20,833.33¥1,812,500.00
154¥26,875.00¥6,041.67¥20,833.33¥1,791,666.67
155¥26,805.56¥5,972.22¥20,833.33¥1,770,833.33
156¥26,736.11¥5,902.78¥20,833.33¥1,750,000.00
157¥26,666.67¥5,833.33¥20,833.33¥1,729,166.67
158¥26,597.22¥5,763.89¥20,833.33¥1,708,333.33
159¥26,527.78¥5,694.44¥20,833.33¥1,687,500.00
160¥26,458.33¥5,625.00¥20,833.33¥1,666,666.67
161¥26,388.89¥5,555.56¥20,833.33¥1,645,833.33
162¥26,319.44¥5,486.11¥20,833.33¥1,625,000.00
163¥26,250.00¥5,416.67¥20,833.33¥1,604,166.67
164¥26,180.56¥5,347.22¥20,833.33¥1,583,333.33
165¥26,111.11¥5,277.78¥20,833.33¥1,562,500.00
166¥26,041.67¥5,208.33¥20,833.33¥1,541,666.67
167¥25,972.22¥5,138.89¥20,833.33¥1,520,833.33
168¥25,902.78¥5,069.44¥20,833.33¥1,500,000.00
169¥25,833.33¥5,000.00¥20,833.33¥1,479,166.67
170¥25,763.89¥4,930.56¥20,833.33¥1,458,333.33
171¥25,694.44¥4,861.11¥20,833.33¥1,437,500.00
172¥25,625.00¥4,791.67¥20,833.33¥1,416,666.67
173¥25,555.56¥4,722.22¥20,833.33¥1,395,833.33
174¥25,486.11¥4,652.78¥20,833.33¥1,375,000.00
175¥25,416.67¥4,583.33¥20,833.33¥1,354,166.67
176¥25,347.22¥4,513.89¥20,833.33¥1,333,333.33
177¥25,277.78¥4,444.44¥20,833.33¥1,312,500.00
178¥25,208.33¥4,375.00¥20,833.33¥1,291,666.67
179¥25,138.89¥4,305.56¥20,833.33¥1,270,833.33
180¥25,069.44¥4,236.11¥20,833.33¥1,250,000.00
181¥25,000.00¥4,166.67¥20,833.33¥1,229,166.67
182¥24,930.56¥4,097.22¥20,833.33¥1,208,333.33
183¥24,861.11¥4,027.78¥20,833.33¥1,187,500.00
184¥24,791.67¥3,958.33¥20,833.33¥1,166,666.67
185¥24,722.22¥3,888.89¥20,833.33¥1,145,833.33
186¥24,652.78¥3,819.44¥20,833.33¥1,125,000.00
187¥24,583.33¥3,750.00¥20,833.33¥1,104,166.67
188¥24,513.89¥3,680.56¥20,833.33¥1,083,333.33
189¥24,444.44¥3,611.11¥20,833.33¥1,062,500.00
190¥24,375.00¥3,541.67¥20,833.33¥1,041,666.67
191¥24,305.56¥3,472.22¥20,833.33¥1,020,833.33
192¥24,236.11¥3,402.78¥20,833.33¥1,000,000.00
193¥24,166.67¥3,333.33¥20,833.33¥979,166.67
194¥24,097.22¥3,263.89¥20,833.33¥958,333.33
195¥24,027.78¥3,194.44¥20,833.33¥937,500.00
196¥23,958.33¥3,125.00¥20,833.33¥916,666.67
197¥23,888.89¥3,055.56¥20,833.33¥895,833.33
198¥23,819.44¥2,986.11¥20,833.33¥875,000.00
199¥23,750.00¥2,916.67¥20,833.33¥854,166.67
200¥23,680.56¥2,847.22¥20,833.33¥833,333.33
201¥23,611.11¥2,777.78¥20,833.33¥812,500.00
202¥23,541.67¥2,708.33¥20,833.33¥791,666.67
203¥23,472.22¥2,638.89¥20,833.33¥770,833.33
204¥23,402.78¥2,569.44¥20,833.33¥750,000.00
205¥23,333.33¥2,500.00¥20,833.33¥729,166.67
206¥23,263.89¥2,430.56¥20,833.33¥708,333.33
207¥23,194.44¥2,361.11¥20,833.33¥687,500.00
208¥23,125.00¥2,291.67¥20,833.33¥666,666.67
209¥23,055.56¥2,222.22¥20,833.33¥645,833.33
210¥22,986.11¥2,152.78¥20,833.33¥625,000.00
211¥22,916.67¥2,083.33¥20,833.33¥604,166.67
212¥22,847.22¥2,013.89¥20,833.33¥583,333.33
213¥22,777.78¥1,944.44¥20,833.33¥562,500.00
214¥22,708.33¥1,875.00¥20,833.33¥541,666.67
215¥22,638.89¥1,805.56¥20,833.33¥520,833.33
216¥22,569.44¥1,736.11¥20,833.33¥500,000.00
217¥22,500.00¥1,666.67¥20,833.33¥479,166.67
218¥22,430.56¥1,597.22¥20,833.33¥458,333.33
219¥22,361.11¥1,527.78¥20,833.33¥437,500.00
220¥22,291.67¥1,458.33¥20,833.33¥416,666.67
221¥22,222.22¥1,388.89¥20,833.33¥395,833.33
222¥22,152.78¥1,319.44¥20,833.33¥375,000.00
223¥22,083.33¥1,250.00¥20,833.33¥354,166.67
224¥22,013.89¥1,180.56¥20,833.33¥333,333.33
225¥21,944.44¥1,111.11¥20,833.33¥312,500.00
226¥21,875.00¥1,041.67¥20,833.33¥291,666.67
227¥21,805.56¥972.22¥20,833.33¥270,833.33
228¥21,736.11¥902.78¥20,833.33¥250,000.00
229¥21,666.67¥833.33¥20,833.33¥229,166.67
230¥21,597.22¥763.89¥20,833.33¥208,333.33
231¥21,527.78¥694.44¥20,833.33¥187,500.00
232¥21,458.33¥625.00¥20,833.33¥166,666.67
233¥21,388.89¥555.56¥20,833.33¥145,833.33
234¥21,319.44¥486.11¥20,833.33¥125,000.00
235¥21,250.00¥416.67¥20,833.33¥104,166.67
236¥21,180.56¥347.22¥20,833.33¥83,333.33
237¥21,111.11¥277.78¥20,833.33¥62,500.00
238¥21,041.67¥208.33¥20,833.33¥41,666.67
239¥20,972.22¥138.89¥20,833.33¥20,833.33
240¥20,902.78¥69.44¥20,833.33¥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。

HomeJSON5 FormaterSHARandom PasswordReact i18nAwesome React.jsAwesome Vue.jsLoan Calculator