2025贷款计算器 - 最新利率比较/试算


1	¥60,747.08	¥20,000.00	¥40,747.08	¥5,959,252.92
2	¥60,747.08	¥19,864.18	¥40,882.91	¥5,918,370.01
3	¥60,747.08	¥19,727.90	¥41,019.18	¥5,877,350.83
4	¥60,747.08	¥19,591.17	¥41,155.91	¥5,836,194.91
5	¥60,747.08	¥19,453.98	¥41,293.10	¥5,794,901.81
6	¥60,747.08	¥19,316.34	¥41,430.74	¥5,753,471.07
7	¥60,747.08	¥19,178.24	¥41,568.85	¥5,711,902.22
8	¥60,747.08	¥19,039.67	¥41,707.41	¥5,670,194.82
9	¥60,747.08	¥18,900.65	¥41,846.43	¥5,628,348.38
10	¥60,747.08	¥18,761.16	¥41,985.92	¥5,586,362.46
11	¥60,747.08	¥18,621.21	¥42,125.87	¥5,544,236.59
12	¥60,747.08	¥18,480.79	¥42,266.29	¥5,501,970.29
13	¥60,747.08	¥18,339.90	¥42,407.18	¥5,459,563.11
14	¥60,747.08	¥18,198.54	¥42,548.54	¥5,417,014.57
15	¥60,747.08	¥18,056.72	¥42,690.37	¥5,374,324.20
16	¥60,747.08	¥17,914.41	¥42,832.67	¥5,331,491.53
17	¥60,747.08	¥17,771.64	¥42,975.44	¥5,288,516.09
18	¥60,747.08	¥17,628.39	¥43,118.70	¥5,245,397.39
19	¥60,747.08	¥17,484.66	¥43,262.42	¥5,202,134.97
20	¥60,747.08	¥17,340.45	¥43,406.63	¥5,158,728.34
21	¥60,747.08	¥17,195.76	¥43,551.32	¥5,115,177.01
22	¥60,747.08	¥17,050.59	¥43,696.49	¥5,071,480.52
23	¥60,747.08	¥16,904.94	¥43,842.15	¥5,027,638.37
24	¥60,747.08	¥16,758.79	¥43,988.29	¥4,983,650.09
25	¥60,747.08	¥16,612.17	¥44,134.92	¥4,939,515.17
26	¥60,747.08	¥16,465.05	¥44,282.03	¥4,895,233.14
27	¥60,747.08	¥16,317.44	¥44,429.64	¥4,850,803.50
28	¥60,747.08	¥16,169.34	¥44,577.74	¥4,806,225.76
29	¥60,747.08	¥16,020.75	¥44,726.33	¥4,761,499.43
30	¥60,747.08	¥15,871.66	¥44,875.42	¥4,716,624.01
31	¥60,747.08	¥15,722.08	¥45,025.00	¥4,671,599.01
32	¥60,747.08	¥15,572.00	¥45,175.09	¥4,626,423.92
33	¥60,747.08	¥15,421.41	¥45,325.67	¥4,581,098.25
34	¥60,747.08	¥15,270.33	¥45,476.76	¥4,535,621.50
35	¥60,747.08	¥15,118.74	¥45,628.34	¥4,489,993.15
36	¥60,747.08	¥14,966.64	¥45,780.44	¥4,444,212.71
37	¥60,747.08	¥14,814.04	¥45,933.04	¥4,398,279.67
38	¥60,747.08	¥14,660.93	¥46,086.15	¥4,352,193.52
39	¥60,747.08	¥14,507.31	¥46,239.77	¥4,305,953.75
40	¥60,747.08	¥14,353.18	¥46,393.90	¥4,259,559.85
41	¥60,747.08	¥14,198.53	¥46,548.55	¥4,213,011.30
42	¥60,747.08	¥14,043.37	¥46,703.71	¥4,166,307.59
43	¥60,747.08	¥13,887.69	¥46,859.39	¥4,119,448.19
44	¥60,747.08	¥13,731.49	¥47,015.59	¥4,072,432.61
45	¥60,747.08	¥13,574.78	¥47,172.31	¥4,025,260.30
46	¥60,747.08	¥13,417.53	¥47,329.55	¥3,977,930.75
47	¥60,747.08	¥13,259.77	¥47,487.31	¥3,930,443.44
48	¥60,747.08	¥13,101.48	¥47,645.60	¥3,882,797.83
49	¥60,747.08	¥12,942.66	¥47,804.42	¥3,834,993.41
50	¥60,747.08	¥12,783.31	¥47,963.77	¥3,787,029.64
51	¥60,747.08	¥12,623.43	¥48,123.65	¥3,738,905.99
52	¥60,747.08	¥12,463.02	¥48,284.06	¥3,690,621.92
53	¥60,747.08	¥12,302.07	¥48,445.01	¥3,642,176.91
54	¥60,747.08	¥12,140.59	¥48,606.49	¥3,593,570.42
55	¥60,747.08	¥11,978.57	¥48,768.51	¥3,544,801.90
56	¥60,747.08	¥11,816.01	¥48,931.08	¥3,495,870.83
57	¥60,747.08	¥11,652.90	¥49,094.18	¥3,446,776.65
58	¥60,747.08	¥11,489.26	¥49,257.83	¥3,397,518.82
59	¥60,747.08	¥11,325.06	¥49,422.02	¥3,348,096.80
60	¥60,747.08	¥11,160.32	¥49,586.76	¥3,298,510.04
61	¥60,747.08	¥10,995.03	¥49,752.05	¥3,248,757.99
62	¥60,747.08	¥10,829.19	¥49,917.89	¥3,198,840.10
63	¥60,747.08	¥10,662.80	¥50,084.28	¥3,148,755.82
64	¥60,747.08	¥10,495.85	¥50,251.23	¥3,098,504.59
65	¥60,747.08	¥10,328.35	¥50,418.73	¥3,048,085.85
66	¥60,747.08	¥10,160.29	¥50,586.80	¥2,997,499.06
67	¥60,747.08	¥9,991.66	¥50,755.42	¥2,946,743.64
68	¥60,747.08	¥9,822.48	¥50,924.60	¥2,895,819.03
69	¥60,747.08	¥9,652.73	¥51,094.35	¥2,844,724.68
70	¥60,747.08	¥9,482.42	¥51,264.67	¥2,793,460.01
71	¥60,747.08	¥9,311.53	¥51,435.55	¥2,742,024.46
72	¥60,747.08	¥9,140.08	¥51,607.00	¥2,690,417.46
73	¥60,747.08	¥8,968.06	¥51,779.02	¥2,638,638.44
74	¥60,747.08	¥8,795.46	¥51,951.62	¥2,586,686.82
75	¥60,747.08	¥8,622.29	¥52,124.79	¥2,534,562.02
76	¥60,747.08	¥8,448.54	¥52,298.54	¥2,482,263.48
77	¥60,747.08	¥8,274.21	¥52,472.87	¥2,429,790.61
78	¥60,747.08	¥8,099.30	¥52,647.78	¥2,377,142.83
79	¥60,747.08	¥7,923.81	¥52,823.27	¥2,324,319.55
80	¥60,747.08	¥7,747.73	¥52,999.35	¥2,271,320.20
81	¥60,747.08	¥7,571.07	¥53,176.02	¥2,218,144.19
82	¥60,747.08	¥7,393.81	¥53,353.27	¥2,164,790.92
83	¥60,747.08	¥7,215.97	¥53,531.11	¥2,111,259.81
84	¥60,747.08	¥7,037.53	¥53,709.55	¥2,057,550.26
85	¥60,747.08	¥6,858.50	¥53,888.58	¥2,003,661.67
86	¥60,747.08	¥6,678.87	¥54,068.21	¥1,949,593.46
87	¥60,747.08	¥6,498.64	¥54,248.44	¥1,895,345.02
88	¥60,747.08	¥6,317.82	¥54,429.27	¥1,840,915.76
89	¥60,747.08	¥6,136.39	¥54,610.70	¥1,786,305.06
90	¥60,747.08	¥5,954.35	¥54,792.73	¥1,731,512.33
91	¥60,747.08	¥5,771.71	¥54,975.38	¥1,676,536.95
92	¥60,747.08	¥5,588.46	¥55,158.63	¥1,621,378.33
93	¥60,747.08	¥5,404.59	¥55,342.49	¥1,566,035.84
94	¥60,747.08	¥5,220.12	¥55,526.96	¥1,510,508.88
95	¥60,747.08	¥5,035.03	¥55,712.05	¥1,454,796.82
96	¥60,747.08	¥4,849.32	¥55,897.76	¥1,398,899.06
97	¥60,747.08	¥4,663.00	¥56,084.09	¥1,342,814.98
98	¥60,747.08	¥4,476.05	¥56,271.03	¥1,286,543.94
99	¥60,747.08	¥4,288.48	¥56,458.60	¥1,230,085.34
100	¥60,747.08	¥4,100.28	¥56,646.80	¥1,173,438.54
101	¥60,747.08	¥3,911.46	¥56,835.62	¥1,116,602.92
102	¥60,747.08	¥3,722.01	¥57,025.07	¥1,059,577.85
103	¥60,747.08	¥3,531.93	¥57,215.16	¥1,002,362.69
104	¥60,747.08	¥3,341.21	¥57,405.87	¥944,956.82
105	¥60,747.08	¥3,149.86	¥57,597.23	¥887,359.59
106	¥60,747.08	¥2,957.87	¥57,789.22	¥829,570.37
107	¥60,747.08	¥2,765.23	¥57,981.85	¥771,588.52
108	¥60,747.08	¥2,571.96	¥58,175.12	¥713,413.40
109	¥60,747.08	¥2,378.04	¥58,369.04	¥655,044.36
110	¥60,747.08	¥2,183.48	¥58,563.60	¥596,480.76
111	¥60,747.08	¥1,988.27	¥58,758.81	¥537,721.95
112	¥60,747.08	¥1,792.41	¥58,954.68	¥478,767.27
113	¥60,747.08	¥1,595.89	¥59,151.19	¥419,616.08
114	¥60,747.08	¥1,398.72	¥59,348.36	¥360,267.72
115	¥60,747.08	¥1,200.89	¥59,546.19	¥300,721.53
116	¥60,747.08	¥1,002.41	¥59,744.68	¥240,976.85
117	¥60,747.08	¥803.26	¥59,943.83	¥181,033.02
118	¥60,747.08	¥603.44	¥60,143.64	¥120,889.38
119	¥60,747.08	¥402.96	¥60,344.12	¥60,545.27
120	¥60,747.08	¥201.82	¥60,545.27	¥0.00

¥70,000.00

等额本金 / 首月还款金额

贷款类型：等额本金

利息总额：¥1,210,000.00

还款总额：¥7,210,000.00

期数	每月还款	偿还利息	偿还本金	剩余本金


1	¥70,000.00	¥20,000.00	¥50,000.00	¥5,950,000.00
2	¥69,833.33	¥19,833.33	¥50,000.00	¥5,900,000.00
3	¥69,666.67	¥19,666.67	¥50,000.00	¥5,850,000.00
4	¥69,500.00	¥19,500.00	¥50,000.00	¥5,800,000.00
5	¥69,333.33	¥19,333.33	¥50,000.00	¥5,750,000.00
6	¥69,166.67	¥19,166.67	¥50,000.00	¥5,700,000.00
7	¥69,000.00	¥19,000.00	¥50,000.00	¥5,650,000.00
8	¥68,833.33	¥18,833.33	¥50,000.00	¥5,600,000.00
9	¥68,666.67	¥18,666.67	¥50,000.00	¥5,550,000.00
10	¥68,500.00	¥18,500.00	¥50,000.00	¥5,500,000.00
11	¥68,333.33	¥18,333.33	¥50,000.00	¥5,450,000.00
12	¥68,166.67	¥18,166.67	¥50,000.00	¥5,400,000.00
13	¥68,000.00	¥18,000.00	¥50,000.00	¥5,350,000.00
14	¥67,833.33	¥17,833.33	¥50,000.00	¥5,300,000.00
15	¥67,666.67	¥17,666.67	¥50,000.00	¥5,250,000.00
16	¥67,500.00	¥17,500.00	¥50,000.00	¥5,200,000.00
17	¥67,333.33	¥17,333.33	¥50,000.00	¥5,150,000.00
18	¥67,166.67	¥17,166.67	¥50,000.00	¥5,100,000.00
19	¥67,000.00	¥17,000.00	¥50,000.00	¥5,050,000.00
20	¥66,833.33	¥16,833.33	¥50,000.00	¥5,000,000.00
21	¥66,666.67	¥16,666.67	¥50,000.00	¥4,950,000.00
22	¥66,500.00	¥16,500.00	¥50,000.00	¥4,900,000.00
23	¥66,333.33	¥16,333.33	¥50,000.00	¥4,850,000.00
24	¥66,166.67	¥16,166.67	¥50,000.00	¥4,800,000.00
25	¥66,000.00	¥16,000.00	¥50,000.00	¥4,750,000.00
26	¥65,833.33	¥15,833.33	¥50,000.00	¥4,700,000.00
27	¥65,666.67	¥15,666.67	¥50,000.00	¥4,650,000.00
28	¥65,500.00	¥15,500.00	¥50,000.00	¥4,600,000.00
29	¥65,333.33	¥15,333.33	¥50,000.00	¥4,550,000.00
30	¥65,166.67	¥15,166.67	¥50,000.00	¥4,500,000.00
31	¥65,000.00	¥15,000.00	¥50,000.00	¥4,450,000.00
32	¥64,833.33	¥14,833.33	¥50,000.00	¥4,400,000.00
33	¥64,666.67	¥14,666.67	¥50,000.00	¥4,350,000.00
34	¥64,500.00	¥14,500.00	¥50,000.00	¥4,300,000.00
35	¥64,333.33	¥14,333.33	¥50,000.00	¥4,250,000.00
36	¥64,166.67	¥14,166.67	¥50,000.00	¥4,200,000.00
37	¥64,000.00	¥14,000.00	¥50,000.00	¥4,150,000.00
38	¥63,833.33	¥13,833.33	¥50,000.00	¥4,100,000.00
39	¥63,666.67	¥13,666.67	¥50,000.00	¥4,050,000.00
40	¥63,500.00	¥13,500.00	¥50,000.00	¥4,000,000.00
41	¥63,333.33	¥13,333.33	¥50,000.00	¥3,950,000.00
42	¥63,166.67	¥13,166.67	¥50,000.00	¥3,900,000.00
43	¥63,000.00	¥13,000.00	¥50,000.00	¥3,850,000.00
44	¥62,833.33	¥12,833.33	¥50,000.00	¥3,800,000.00
45	¥62,666.67	¥12,666.67	¥50,000.00	¥3,750,000.00
46	¥62,500.00	¥12,500.00	¥50,000.00	¥3,700,000.00
47	¥62,333.33	¥12,333.33	¥50,000.00	¥3,650,000.00
48	¥62,166.67	¥12,166.67	¥50,000.00	¥3,600,000.00
49	¥62,000.00	¥12,000.00	¥50,000.00	¥3,550,000.00
50	¥61,833.33	¥11,833.33	¥50,000.00	¥3,500,000.00
51	¥61,666.67	¥11,666.67	¥50,000.00	¥3,450,000.00
52	¥61,500.00	¥11,500.00	¥50,000.00	¥3,400,000.00
53	¥61,333.33	¥11,333.33	¥50,000.00	¥3,350,000.00
54	¥61,166.67	¥11,166.67	¥50,000.00	¥3,300,000.00
55	¥61,000.00	¥11,000.00	¥50,000.00	¥3,250,000.00
56	¥60,833.33	¥10,833.33	¥50,000.00	¥3,200,000.00
57	¥60,666.67	¥10,666.67	¥50,000.00	¥3,150,000.00
58	¥60,500.00	¥10,500.00	¥50,000.00	¥3,100,000.00
59	¥60,333.33	¥10,333.33	¥50,000.00	¥3,050,000.00
60	¥60,166.67	¥10,166.67	¥50,000.00	¥3,000,000.00
61	¥60,000.00	¥10,000.00	¥50,000.00	¥2,950,000.00
62	¥59,833.33	¥9,833.33	¥50,000.00	¥2,900,000.00
63	¥59,666.67	¥9,666.67	¥50,000.00	¥2,850,000.00
64	¥59,500.00	¥9,500.00	¥50,000.00	¥2,800,000.00
65	¥59,333.33	¥9,333.33	¥50,000.00	¥2,750,000.00
66	¥59,166.67	¥9,166.67	¥50,000.00	¥2,700,000.00
67	¥59,000.00	¥9,000.00	¥50,000.00	¥2,650,000.00
68	¥58,833.33	¥8,833.33	¥50,000.00	¥2,600,000.00
69	¥58,666.67	¥8,666.67	¥50,000.00	¥2,550,000.00
70	¥58,500.00	¥8,500.00	¥50,000.00	¥2,500,000.00
71	¥58,333.33	¥8,333.33	¥50,000.00	¥2,450,000.00
72	¥58,166.67	¥8,166.67	¥50,000.00	¥2,400,000.00
73	¥58,000.00	¥8,000.00	¥50,000.00	¥2,350,000.00
74	¥57,833.33	¥7,833.33	¥50,000.00	¥2,300,000.00
75	¥57,666.67	¥7,666.67	¥50,000.00	¥2,250,000.00
76	¥57,500.00	¥7,500.00	¥50,000.00	¥2,200,000.00
77	¥57,333.33	¥7,333.33	¥50,000.00	¥2,150,000.00
78	¥57,166.67	¥7,166.67	¥50,000.00	¥2,100,000.00
79	¥57,000.00	¥7,000.00	¥50,000.00	¥2,050,000.00
80	¥56,833.33	¥6,833.33	¥50,000.00	¥2,000,000.00
81	¥56,666.67	¥6,666.67	¥50,000.00	¥1,950,000.00
82	¥56,500.00	¥6,500.00	¥50,000.00	¥1,900,000.00
83	¥56,333.33	¥6,333.33	¥50,000.00	¥1,850,000.00
84	¥56,166.67	¥6,166.67	¥50,000.00	¥1,800,000.00
85	¥56,000.00	¥6,000.00	¥50,000.00	¥1,750,000.00
86	¥55,833.33	¥5,833.33	¥50,000.00	¥1,700,000.00
87	¥55,666.67	¥5,666.67	¥50,000.00	¥1,650,000.00
88	¥55,500.00	¥5,500.00	¥50,000.00	¥1,600,000.00
89	¥55,333.33	¥5,333.33	¥50,000.00	¥1,550,000.00
90	¥55,166.67	¥5,166.67	¥50,000.00	¥1,500,000.00
91	¥55,000.00	¥5,000.00	¥50,000.00	¥1,450,000.00
92	¥54,833.33	¥4,833.33	¥50,000.00	¥1,400,000.00
93	¥54,666.67	¥4,666.67	¥50,000.00	¥1,350,000.00
94	¥54,500.00	¥4,500.00	¥50,000.00	¥1,300,000.00
95	¥54,333.33	¥4,333.33	¥50,000.00	¥1,250,000.00
96	¥54,166.67	¥4,166.67	¥50,000.00	¥1,200,000.00
97	¥54,000.00	¥4,000.00	¥50,000.00	¥1,150,000.00
98	¥53,833.33	¥3,833.33	¥50,000.00	¥1,100,000.00
99	¥53,666.67	¥3,666.67	¥50,000.00	¥1,050,000.00
100	¥53,500.00	¥3,500.00	¥50,000.00	¥1,000,000.00
101	¥53,333.33	¥3,333.33	¥50,000.00	¥950,000.00
102	¥53,166.67	¥3,166.67	¥50,000.00	¥900,000.00
103	¥53,000.00	¥3,000.00	¥50,000.00	¥850,000.00
104	¥52,833.33	¥2,833.33	¥50,000.00	¥800,000.00
105	¥52,666.67	¥2,666.67	¥50,000.00	¥750,000.00
106	¥52,500.00	¥2,500.00	¥50,000.00	¥700,000.00
107	¥52,333.33	¥2,333.33	¥50,000.00	¥650,000.00
108	¥52,166.67	¥2,166.67	¥50,000.00	¥600,000.00
109	¥52,000.00	¥2,000.00	¥50,000.00	¥550,000.00
110	¥51,833.33	¥1,833.33	¥50,000.00	¥500,000.00
111	¥51,666.67	¥1,666.67	¥50,000.00	¥450,000.00
112	¥51,500.00	¥1,500.00	¥50,000.00	¥400,000.00
113	¥51,333.33	¥1,333.33	¥50,000.00	¥350,000.00
114	¥51,166.67	¥1,166.67	¥50,000.00	¥300,000.00
115	¥51,000.00	¥1,000.00	¥50,000.00	¥250,000.00
116	¥50,833.33	¥833.33	¥50,000.00	¥200,000.00
117	¥50,666.67	¥666.67	¥50,000.00	¥150,000.00
118	¥50,500.00	¥500.00	¥50,000.00	¥100,000.00
119	¥50,333.33	¥333.33	¥50,000.00	¥50,000.00
120	¥50,166.67	¥166.67	¥50,000.00	¥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。