2025贷款计算器 - 最新利率比较/试算


1	¥55,684.83	¥18,333.33	¥37,351.49	¥5,462,648.51
2	¥55,684.83	¥18,208.83	¥37,476.00	¥5,425,172.51
3	¥55,684.83	¥18,083.91	¥37,600.92	¥5,387,571.59
4	¥55,684.83	¥17,958.57	¥37,726.25	¥5,349,845.34
5	¥55,684.83	¥17,832.82	¥37,852.01	¥5,311,993.33
6	¥55,684.83	¥17,706.64	¥37,978.18	¥5,274,015.15
7	¥55,684.83	¥17,580.05	¥38,104.78	¥5,235,910.37
8	¥55,684.83	¥17,453.03	¥38,231.79	¥5,197,678.58
9	¥55,684.83	¥17,325.60	¥38,359.23	¥5,159,319.35
10	¥55,684.83	¥17,197.73	¥38,487.09	¥5,120,832.26
11	¥55,684.83	¥17,069.44	¥38,615.39	¥5,082,216.87
12	¥55,684.83	¥16,940.72	¥38,744.10	¥5,043,472.77
13	¥55,684.83	¥16,811.58	¥38,873.25	¥5,004,599.52
14	¥55,684.83	¥16,682.00	¥39,002.83	¥4,965,596.69
15	¥55,684.83	¥16,551.99	¥39,132.84	¥4,926,463.85
16	¥55,684.83	¥16,421.55	¥39,263.28	¥4,887,200.57
17	¥55,684.83	¥16,290.67	¥39,394.16	¥4,847,806.42
18	¥55,684.83	¥16,159.35	¥39,525.47	¥4,808,280.94
19	¥55,684.83	¥16,027.60	¥39,657.22	¥4,768,623.72
20	¥55,684.83	¥15,895.41	¥39,789.41	¥4,728,834.31
21	¥55,684.83	¥15,762.78	¥39,922.04	¥4,688,912.26
22	¥55,684.83	¥15,629.71	¥40,055.12	¥4,648,857.14
23	¥55,684.83	¥15,496.19	¥40,188.64	¥4,608,668.51
24	¥55,684.83	¥15,362.23	¥40,322.60	¥4,568,345.91
25	¥55,684.83	¥15,227.82	¥40,457.01	¥4,527,888.91
26	¥55,684.83	¥15,092.96	¥40,591.86	¥4,487,297.04
27	¥55,684.83	¥14,957.66	¥40,727.17	¥4,446,569.87
28	¥55,684.83	¥14,821.90	¥40,862.93	¥4,405,706.95
29	¥55,684.83	¥14,685.69	¥40,999.14	¥4,364,707.81
30	¥55,684.83	¥14,549.03	¥41,135.80	¥4,323,572.01
31	¥55,684.83	¥14,411.91	¥41,272.92	¥4,282,299.09
32	¥55,684.83	¥14,274.33	¥41,410.50	¥4,240,888.60
33	¥55,684.83	¥14,136.30	¥41,548.53	¥4,199,340.06
34	¥55,684.83	¥13,997.80	¥41,687.03	¥4,157,653.04
35	¥55,684.83	¥13,858.84	¥41,825.98	¥4,115,827.06
36	¥55,684.83	¥13,719.42	¥41,965.40	¥4,073,861.65
37	¥55,684.83	¥13,579.54	¥42,105.29	¥4,031,756.37
38	¥55,684.83	¥13,439.19	¥42,245.64	¥3,989,510.73
39	¥55,684.83	¥13,298.37	¥42,386.46	¥3,947,124.27
40	¥55,684.83	¥13,157.08	¥42,527.75	¥3,904,596.53
41	¥55,684.83	¥13,015.32	¥42,669.50	¥3,861,927.02
42	¥55,684.83	¥12,873.09	¥42,811.74	¥3,819,115.29
43	¥55,684.83	¥12,730.38	¥42,954.44	¥3,776,160.84
44	¥55,684.83	¥12,587.20	¥43,097.62	¥3,733,063.22
45	¥55,684.83	¥12,443.54	¥43,241.28	¥3,689,821.94
46	¥55,684.83	¥12,299.41	¥43,385.42	¥3,646,436.52
47	¥55,684.83	¥12,154.79	¥43,530.04	¥3,602,906.48
48	¥55,684.83	¥12,009.69	¥43,675.14	¥3,559,231.35
49	¥55,684.83	¥11,864.10	¥43,820.72	¥3,515,410.62
50	¥55,684.83	¥11,718.04	¥43,966.79	¥3,471,443.83
51	¥55,684.83	¥11,571.48	¥44,113.35	¥3,427,330.49
52	¥55,684.83	¥11,424.43	¥44,260.39	¥3,383,070.10
53	¥55,684.83	¥11,276.90	¥44,407.93	¥3,338,662.17
54	¥55,684.83	¥11,128.87	¥44,555.95	¥3,294,106.22
55	¥55,684.83	¥10,980.35	¥44,704.47	¥3,249,401.75
56	¥55,684.83	¥10,831.34	¥44,853.49	¥3,204,548.26
57	¥55,684.83	¥10,681.83	¥45,003.00	¥3,159,545.26
58	¥55,684.83	¥10,531.82	¥45,153.01	¥3,114,392.25
59	¥55,684.83	¥10,381.31	¥45,303.52	¥3,069,088.73
60	¥55,684.83	¥10,230.30	¥45,454.53	¥3,023,634.20
61	¥55,684.83	¥10,078.78	¥45,606.05	¥2,978,028.16
62	¥55,684.83	¥9,926.76	¥45,758.07	¥2,932,270.09
63	¥55,684.83	¥9,774.23	¥45,910.59	¥2,886,359.50
64	¥55,684.83	¥9,621.20	¥46,063.63	¥2,840,295.87
65	¥55,684.83	¥9,467.65	¥46,217.17	¥2,794,078.70
66	¥55,684.83	¥9,313.60	¥46,371.23	¥2,747,707.47
67	¥55,684.83	¥9,159.02	¥46,525.80	¥2,701,181.67
68	¥55,684.83	¥9,003.94	¥46,680.89	¥2,654,500.78
69	¥55,684.83	¥8,848.34	¥46,836.49	¥2,607,664.29
70	¥55,684.83	¥8,692.21	¥46,992.61	¥2,560,671.68
71	¥55,684.83	¥8,535.57	¥47,149.25	¥2,513,522.43
72	¥55,684.83	¥8,378.41	¥47,306.42	¥2,466,216.01
73	¥55,684.83	¥8,220.72	¥47,464.11	¥2,418,751.90
74	¥55,684.83	¥8,062.51	¥47,622.32	¥2,371,129.58
75	¥55,684.83	¥7,903.77	¥47,781.06	¥2,323,348.52
76	¥55,684.83	¥7,744.50	¥47,940.33	¥2,275,408.19
77	¥55,684.83	¥7,584.69	¥48,100.13	¥2,227,308.06
78	¥55,684.83	¥7,424.36	¥48,260.47	¥2,179,047.59
79	¥55,684.83	¥7,263.49	¥48,421.33	¥2,130,626.26
80	¥55,684.83	¥7,102.09	¥48,582.74	¥2,082,043.52
81	¥55,684.83	¥6,940.15	¥48,744.68	¥2,033,298.84
82	¥55,684.83	¥6,777.66	¥48,907.16	¥1,984,391.68
83	¥55,684.83	¥6,614.64	¥49,070.19	¥1,935,321.49
84	¥55,684.83	¥6,451.07	¥49,233.75	¥1,886,087.73
85	¥55,684.83	¥6,286.96	¥49,397.87	¥1,836,689.87
86	¥55,684.83	¥6,122.30	¥49,562.53	¥1,787,127.34
87	¥55,684.83	¥5,957.09	¥49,727.73	¥1,737,399.61
88	¥55,684.83	¥5,791.33	¥49,893.49	¥1,687,506.11
89	¥55,684.83	¥5,625.02	¥50,059.81	¥1,637,446.31
90	¥55,684.83	¥5,458.15	¥50,226.67	¥1,587,219.63
91	¥55,684.83	¥5,290.73	¥50,394.09	¥1,536,825.54
92	¥55,684.83	¥5,122.75	¥50,562.07	¥1,486,263.47
93	¥55,684.83	¥4,954.21	¥50,730.61	¥1,435,532.85
94	¥55,684.83	¥4,785.11	¥50,899.72	¥1,384,633.14
95	¥55,684.83	¥4,615.44	¥51,069.38	¥1,333,563.75
96	¥55,684.83	¥4,445.21	¥51,239.61	¥1,282,324.14
97	¥55,684.83	¥4,274.41	¥51,410.41	¥1,230,913.73
98	¥55,684.83	¥4,103.05	¥51,581.78	¥1,179,331.95
99	¥55,684.83	¥3,931.11	¥51,753.72	¥1,127,578.23
100	¥55,684.83	¥3,758.59	¥51,926.23	¥1,075,652.00
101	¥55,684.83	¥3,585.51	¥52,099.32	¥1,023,552.68
102	¥55,684.83	¥3,411.84	¥52,272.98	¥971,279.69
103	¥55,684.83	¥3,237.60	¥52,447.23	¥918,832.47
104	¥55,684.83	¥3,062.77	¥52,622.05	¥866,210.42
105	¥55,684.83	¥2,887.37	¥52,797.46	¥813,412.96
106	¥55,684.83	¥2,711.38	¥52,973.45	¥760,439.51
107	¥55,684.83	¥2,534.80	¥53,150.03	¥707,289.48
108	¥55,684.83	¥2,357.63	¥53,327.19	¥653,962.29
109	¥55,684.83	¥2,179.87	¥53,504.95	¥600,457.33
110	¥55,684.83	¥2,001.52	¥53,683.30	¥546,774.03
111	¥55,684.83	¥1,822.58	¥53,862.25	¥492,911.79
112	¥55,684.83	¥1,643.04	¥54,041.79	¥438,870.00
113	¥55,684.83	¥1,462.90	¥54,221.93	¥384,648.07
114	¥55,684.83	¥1,282.16	¥54,402.67	¥330,245.41
115	¥55,684.83	¥1,100.82	¥54,584.01	¥275,661.40
116	¥55,684.83	¥918.87	¥54,765.95	¥220,895.45
117	¥55,684.83	¥736.32	¥54,948.51	¥165,946.94
118	¥55,684.83	¥553.16	¥55,131.67	¥110,815.27
119	¥55,684.83	¥369.38	¥55,315.44	¥55,499.83
120	¥55,684.83	¥185.00	¥55,499.83	¥0.00

¥64,166.67

等额本金 / 首月还款金额

贷款类型：等额本金

利息总额：¥1,109,166.67

还款总额：¥6,609,166.67

期数	每月还款	偿还利息	偿还本金	剩余本金


1	¥64,166.67	¥18,333.33	¥45,833.33	¥5,454,166.67
2	¥64,013.89	¥18,180.56	¥45,833.33	¥5,408,333.33
3	¥63,861.11	¥18,027.78	¥45,833.33	¥5,362,500.00
4	¥63,708.33	¥17,875.00	¥45,833.33	¥5,316,666.67
5	¥63,555.56	¥17,722.22	¥45,833.33	¥5,270,833.33
6	¥63,402.78	¥17,569.44	¥45,833.33	¥5,225,000.00
7	¥63,250.00	¥17,416.67	¥45,833.33	¥5,179,166.67
8	¥63,097.22	¥17,263.89	¥45,833.33	¥5,133,333.33
9	¥62,944.44	¥17,111.11	¥45,833.33	¥5,087,500.00
10	¥62,791.67	¥16,958.33	¥45,833.33	¥5,041,666.67
11	¥62,638.89	¥16,805.56	¥45,833.33	¥4,995,833.33
12	¥62,486.11	¥16,652.78	¥45,833.33	¥4,950,000.00
13	¥62,333.33	¥16,500.00	¥45,833.33	¥4,904,166.67
14	¥62,180.56	¥16,347.22	¥45,833.33	¥4,858,333.33
15	¥62,027.78	¥16,194.44	¥45,833.33	¥4,812,500.00
16	¥61,875.00	¥16,041.67	¥45,833.33	¥4,766,666.67
17	¥61,722.22	¥15,888.89	¥45,833.33	¥4,720,833.33
18	¥61,569.44	¥15,736.11	¥45,833.33	¥4,675,000.00
19	¥61,416.67	¥15,583.33	¥45,833.33	¥4,629,166.67
20	¥61,263.89	¥15,430.56	¥45,833.33	¥4,583,333.33
21	¥61,111.11	¥15,277.78	¥45,833.33	¥4,537,500.00
22	¥60,958.33	¥15,125.00	¥45,833.33	¥4,491,666.67
23	¥60,805.56	¥14,972.22	¥45,833.33	¥4,445,833.33
24	¥60,652.78	¥14,819.44	¥45,833.33	¥4,400,000.00
25	¥60,500.00	¥14,666.67	¥45,833.33	¥4,354,166.67
26	¥60,347.22	¥14,513.89	¥45,833.33	¥4,308,333.33
27	¥60,194.44	¥14,361.11	¥45,833.33	¥4,262,500.00
28	¥60,041.67	¥14,208.33	¥45,833.33	¥4,216,666.67
29	¥59,888.89	¥14,055.56	¥45,833.33	¥4,170,833.33
30	¥59,736.11	¥13,902.78	¥45,833.33	¥4,125,000.00
31	¥59,583.33	¥13,750.00	¥45,833.33	¥4,079,166.67
32	¥59,430.56	¥13,597.22	¥45,833.33	¥4,033,333.33
33	¥59,277.78	¥13,444.44	¥45,833.33	¥3,987,500.00
34	¥59,125.00	¥13,291.67	¥45,833.33	¥3,941,666.67
35	¥58,972.22	¥13,138.89	¥45,833.33	¥3,895,833.33
36	¥58,819.44	¥12,986.11	¥45,833.33	¥3,850,000.00
37	¥58,666.67	¥12,833.33	¥45,833.33	¥3,804,166.67
38	¥58,513.89	¥12,680.56	¥45,833.33	¥3,758,333.33
39	¥58,361.11	¥12,527.78	¥45,833.33	¥3,712,500.00
40	¥58,208.33	¥12,375.00	¥45,833.33	¥3,666,666.67
41	¥58,055.56	¥12,222.22	¥45,833.33	¥3,620,833.33
42	¥57,902.78	¥12,069.44	¥45,833.33	¥3,575,000.00
43	¥57,750.00	¥11,916.67	¥45,833.33	¥3,529,166.67
44	¥57,597.22	¥11,763.89	¥45,833.33	¥3,483,333.33
45	¥57,444.44	¥11,611.11	¥45,833.33	¥3,437,500.00
46	¥57,291.67	¥11,458.33	¥45,833.33	¥3,391,666.67
47	¥57,138.89	¥11,305.56	¥45,833.33	¥3,345,833.33
48	¥56,986.11	¥11,152.78	¥45,833.33	¥3,300,000.00
49	¥56,833.33	¥11,000.00	¥45,833.33	¥3,254,166.67
50	¥56,680.56	¥10,847.22	¥45,833.33	¥3,208,333.33
51	¥56,527.78	¥10,694.44	¥45,833.33	¥3,162,500.00
52	¥56,375.00	¥10,541.67	¥45,833.33	¥3,116,666.67
53	¥56,222.22	¥10,388.89	¥45,833.33	¥3,070,833.33
54	¥56,069.44	¥10,236.11	¥45,833.33	¥3,025,000.00
55	¥55,916.67	¥10,083.33	¥45,833.33	¥2,979,166.67
56	¥55,763.89	¥9,930.56	¥45,833.33	¥2,933,333.33
57	¥55,611.11	¥9,777.78	¥45,833.33	¥2,887,500.00
58	¥55,458.33	¥9,625.00	¥45,833.33	¥2,841,666.67
59	¥55,305.56	¥9,472.22	¥45,833.33	¥2,795,833.33
60	¥55,152.78	¥9,319.44	¥45,833.33	¥2,750,000.00
61	¥55,000.00	¥9,166.67	¥45,833.33	¥2,704,166.67
62	¥54,847.22	¥9,013.89	¥45,833.33	¥2,658,333.33
63	¥54,694.44	¥8,861.11	¥45,833.33	¥2,612,500.00
64	¥54,541.67	¥8,708.33	¥45,833.33	¥2,566,666.67
65	¥54,388.89	¥8,555.56	¥45,833.33	¥2,520,833.33
66	¥54,236.11	¥8,402.78	¥45,833.33	¥2,475,000.00
67	¥54,083.33	¥8,250.00	¥45,833.33	¥2,429,166.67
68	¥53,930.56	¥8,097.22	¥45,833.33	¥2,383,333.33
69	¥53,777.78	¥7,944.44	¥45,833.33	¥2,337,500.00
70	¥53,625.00	¥7,791.67	¥45,833.33	¥2,291,666.67
71	¥53,472.22	¥7,638.89	¥45,833.33	¥2,245,833.33
72	¥53,319.44	¥7,486.11	¥45,833.33	¥2,200,000.00
73	¥53,166.67	¥7,333.33	¥45,833.33	¥2,154,166.67
74	¥53,013.89	¥7,180.56	¥45,833.33	¥2,108,333.33
75	¥52,861.11	¥7,027.78	¥45,833.33	¥2,062,500.00
76	¥52,708.33	¥6,875.00	¥45,833.33	¥2,016,666.67
77	¥52,555.56	¥6,722.22	¥45,833.33	¥1,970,833.33
78	¥52,402.78	¥6,569.44	¥45,833.33	¥1,925,000.00
79	¥52,250.00	¥6,416.67	¥45,833.33	¥1,879,166.67
80	¥52,097.22	¥6,263.89	¥45,833.33	¥1,833,333.33
81	¥51,944.44	¥6,111.11	¥45,833.33	¥1,787,500.00
82	¥51,791.67	¥5,958.33	¥45,833.33	¥1,741,666.67
83	¥51,638.89	¥5,805.56	¥45,833.33	¥1,695,833.33
84	¥51,486.11	¥5,652.78	¥45,833.33	¥1,650,000.00
85	¥51,333.33	¥5,500.00	¥45,833.33	¥1,604,166.67
86	¥51,180.56	¥5,347.22	¥45,833.33	¥1,558,333.33
87	¥51,027.78	¥5,194.44	¥45,833.33	¥1,512,500.00
88	¥50,875.00	¥5,041.67	¥45,833.33	¥1,466,666.67
89	¥50,722.22	¥4,888.89	¥45,833.33	¥1,420,833.33
90	¥50,569.44	¥4,736.11	¥45,833.33	¥1,375,000.00
91	¥50,416.67	¥4,583.33	¥45,833.33	¥1,329,166.67
92	¥50,263.89	¥4,430.56	¥45,833.33	¥1,283,333.33
93	¥50,111.11	¥4,277.78	¥45,833.33	¥1,237,500.00
94	¥49,958.33	¥4,125.00	¥45,833.33	¥1,191,666.67
95	¥49,805.56	¥3,972.22	¥45,833.33	¥1,145,833.33
96	¥49,652.78	¥3,819.44	¥45,833.33	¥1,100,000.00
97	¥49,500.00	¥3,666.67	¥45,833.33	¥1,054,166.67
98	¥49,347.22	¥3,513.89	¥45,833.33	¥1,008,333.33
99	¥49,194.44	¥3,361.11	¥45,833.33	¥962,500.00
100	¥49,041.67	¥3,208.33	¥45,833.33	¥916,666.67
101	¥48,888.89	¥3,055.56	¥45,833.33	¥870,833.33
102	¥48,736.11	¥2,902.78	¥45,833.33	¥825,000.00
103	¥48,583.33	¥2,750.00	¥45,833.33	¥779,166.67
104	¥48,430.56	¥2,597.22	¥45,833.33	¥733,333.33
105	¥48,277.78	¥2,444.44	¥45,833.33	¥687,500.00
106	¥48,125.00	¥2,291.67	¥45,833.33	¥641,666.67
107	¥47,972.22	¥2,138.89	¥45,833.33	¥595,833.33
108	¥47,819.44	¥1,986.11	¥45,833.33	¥550,000.00
109	¥47,666.67	¥1,833.33	¥45,833.33	¥504,166.67
110	¥47,513.89	¥1,680.56	¥45,833.33	¥458,333.33
111	¥47,361.11	¥1,527.78	¥45,833.33	¥412,500.00
112	¥47,208.33	¥1,375.00	¥45,833.33	¥366,666.67
113	¥47,055.56	¥1,222.22	¥45,833.33	¥320,833.33
114	¥46,902.78	¥1,069.44	¥45,833.33	¥275,000.00
115	¥46,750.00	¥916.67	¥45,833.33	¥229,166.67
116	¥46,597.22	¥763.89	¥45,833.33	¥183,333.33
117	¥46,444.44	¥611.11	¥45,833.33	¥137,500.00
118	¥46,291.67	¥458.33	¥45,833.33	¥91,666.67
119	¥46,138.89	¥305.56	¥45,833.33	¥45,833.33
120	¥45,986.11	¥152.78	¥45,833.33	¥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。