解析：
贷款170万（商业贷款）的房贷，还款10年的等额本息和等额本金，两种还款方式明细说明。
方式一：等额本息还款方式：
贷款总额：170万
还款月数：10年
每月还款：19173.66元
利息总额：60.08万
本息合计：230.08万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-10 | 19173.66 | 8995.83 | 10177.83 | 1689822.17 |
| 2 | 2024-11 | 19173.66 | 8941.98 | 10231.69 | 1679590.48 |
| 3 | 2024-12 | 19173.66 | 8887.83 | 10285.83 | 1669304.65 |
| 4 | 2025-01 | 19173.66 | 8833.40 | 10340.26 | 1658964.39 |
| 5 | 2025-02 | 19173.66 | 8778.69 | 10394.98 | 1648569.41 |
| 6 | 2025-03 | 19173.66 | 8723.68 | 10449.98 | 1638119.43 |
| 7 | 2025-04 | 19173.66 | 8668.38 | 10505.28 | 1627614.15 |
| 8 | 2025-05 | 19173.66 | 8612.79 | 10560.87 | 1617053.28 |
| 9 | 2025-06 | 19173.66 | 8556.91 | 10616.76 | 1606436.52 |
| 10 | 2025-07 | 19173.66 | 8500.73 | 10672.94 | 1595763.58 |
| 11 | 2025-08 | 19173.66 | 8444.25 | 10729.41 | 1585034.17 |
| 12 | 2025-09 | 19173.66 | 8387.47 | 10786.19 | 1574247.98 |
| 13 | 2025-10 | 19173.66 | 8330.40 | 10843.27 | 1563404.71 |
| 14 | 2025-11 | 19173.66 | 8273.02 | 10900.65 | 1552504.06 |
| 15 | 2025-12 | 19173.66 | 8215.33 | 10958.33 | 1541545.73 |
| 16 | 2026-01 | 19173.66 | 8157.35 | 11016.32 | 1530529.42 |
| 17 | 2026-02 | 19173.66 | 8099.05 | 11074.61 | 1519454.80 |
| 18 | 2026-03 | 19173.66 | 8040.45 | 11133.22 | 1508321.59 |
| 19 | 2026-04 | 19173.66 | 7981.54 | 11192.13 | 1497129.46 |
| 20 | 2026-05 | 19173.66 | 7922.31 | 11251.35 | 1485878.11 |
| 21 | 2026-06 | 19173.66 | 7862.77 | 11310.89 | 1474567.21 |
| 22 | 2026-07 | 19173.66 | 7802.92 | 11370.75 | 1463196.47 |
| 23 | 2026-08 | 19173.66 | 7742.75 | 11430.92 | 1451765.55 |
| 24 | 2026-09 | 19173.66 | 7682.26 | 11491.40 | 1440274.15 |
| 25 | 2026-10 | 19173.66 | 7621.45 | 11552.21 | 1428721.94 |
| 26 | 2026-11 | 19173.66 | 7560.32 | 11613.34 | 1417108.59 |
| 27 | 2026-12 | 19173.66 | 7498.87 | 11674.80 | 1405433.80 |
| 28 | 2027-01 | 19173.66 | 7437.09 | 11736.58 | 1393697.22 |
| 29 | 2027-02 | 19173.66 | 7374.98 | 11798.68 | 1381898.54 |
| 30 | 2027-03 | 19173.66 | 7312.55 | 11861.12 | 1370037.42 |
| 31 | 2027-04 | 19173.66 | 7249.78 | 11923.88 | 1358113.54 |
| 32 | 2027-05 | 19173.66 | 7186.68 | 11986.98 | 1346126.56 |
| 33 | 2027-06 | 19173.66 | 7123.25 | 12050.41 | 1334076.15 |
| 34 | 2027-07 | 19173.66 | 7059.49 | 12114.18 | 1321961.97 |
| 35 | 2027-08 | 19173.66 | 6995.38 | 12178.28 | 1309783.69 |
| 36 | 2027-09 | 19173.66 | 6930.94 | 12242.72 | 1297540.96 |
| 37 | 2027-10 | 19173.66 | 6866.15 | 12307.51 | 1285233.45 |
| 38 | 2027-11 | 19173.66 | 6801.03 | 12372.64 | 1272860.82 |
| 39 | 2027-12 | 19173.66 | 6735.56 | 12438.11 | 1260422.71 |
| 40 | 2028-01 | 19173.66 | 6669.74 | 12503.93 | 1247918.78 |
| 41 | 2028-02 | 19173.66 | 6603.57 | 12570.09 | 1235348.69 |
| 42 | 2028-03 | 19173.66 | 6537.05 | 12636.61 | 1222712.08 |
| 43 | 2028-04 | 19173.66 | 6470.18 | 12703.48 | 1210008.60 |
| 44 | 2028-05 | 19173.66 | 6402.96 | 12770.70 | 1197237.90 |
| 45 | 2028-06 | 19173.66 | 6335.38 | 12838.28 | 1184399.62 |
| 46 | 2028-07 | 19173.66 | 6267.45 | 12906.22 | 1171493.40 |
| 47 | 2028-08 | 19173.66 | 6199.15 | 12974.51 | 1158518.89 |
| 48 | 2028-09 | 19173.66 | 6130.50 | 13043.17 | 1145475.73 |
| 49 | 2028-10 | 19173.66 | 6061.48 | 13112.19 | 1132363.54 |
| 50 | 2028-11 | 19173.66 | 5992.09 | 13181.57 | 1119181.96 |
| 51 | 2028-12 | 19173.66 | 5922.34 | 13251.33 | 1105930.64 |
| 52 | 2029-01 | 19173.66 | 5852.22 | 13321.45 | 1092609.19 |
| 53 | 2029-02 | 19173.66 | 5781.72 | 13391.94 | 1079217.25 |
| 54 | 2029-03 | 19173.66 | 5710.86 | 13462.81 | 1065754.45 |
| 55 | 2029-04 | 19173.66 | 5639.62 | 13534.05 | 1052220.40 |
| 56 | 2029-05 | 19173.66 | 5568.00 | 13605.66 | 1038614.74 |
| 57 | 2029-06 | 19173.66 | 5496.00 | 13677.66 | 1024937.07 |
| 58 | 2029-07 | 19173.66 | 5423.63 | 13750.04 | 1011187.04 |
| 59 | 2029-08 | 19173.66 | 5350.86 | 13822.80 | 997364.24 |
| 60 | 2029-09 | 19173.66 | 5277.72 | 13895.94 | 983468.29 |
| 61 | 2029-10 | 19173.66 | 5204.19 | 13969.48 | 969498.82 |
| 62 | 2029-11 | 19173.66 | 5130.26 | 14043.40 | 955455.42 |
| 63 | 2029-12 | 19173.66 | 5055.95 | 14117.71 | 941337.70 |
| 64 | 2030-01 | 19173.66 | 4981.25 | 14192.42 | 927145.29 |
| 65 | 2030-02 | 19173.66 | 4906.14 | 14267.52 | 912877.77 |
| 66 | 2030-03 | 19173.66 | 4830.64 | 14343.02 | 898534.75 |
| 67 | 2030-04 | 19173.66 | 4754.75 | 14418.92 | 884115.83 |
| 68 | 2030-05 | 19173.66 | 4678.45 | 14495.22 | 869620.61 |
| 69 | 2030-06 | 19173.66 | 4601.74 | 14571.92 | 855048.69 |
| 70 | 2030-07 | 19173.66 | 4524.63 | 14649.03 | 840399.66 |
| 71 | 2030-08 | 19173.66 | 4447.11 | 14726.55 | 825673.11 |
| 72 | 2030-09 | 19173.66 | 4369.19 | 14804.48 | 810868.64 |
| 73 | 2030-10 | 19173.66 | 4290.85 | 14882.82 | 795985.82 |
| 74 | 2030-11 | 19173.66 | 4212.09 | 14961.57 | 781024.25 |
| 75 | 2030-12 | 19173.66 | 4132.92 | 15040.74 | 765983.50 |
| 76 | 2031-01 | 19173.66 | 4053.33 | 15120.33 | 750863.17 |
| 77 | 2031-02 | 19173.66 | 3973.32 | 15200.35 | 735662.82 |
| 78 | 2031-03 | 19173.66 | 3892.88 | 15280.78 | 720382.04 |
| 79 | 2031-04 | 19173.66 | 3812.02 | 15361.64 | 705020.40 |
| 80 | 2031-05 | 19173.66 | 3730.73 | 15442.93 | 689577.47 |
| 81 | 2031-06 | 19173.66 | 3649.01 | 15524.65 | 674052.82 |
| 82 | 2031-07 | 19173.66 | 3566.86 | 15606.80 | 658446.02 |
| 83 | 2031-08 | 19173.66 | 3484.28 | 15689.39 | 642756.63 |
| 84 | 2031-09 | 19173.66 | 3401.25 | 15772.41 | 626984.22 |
| 85 | 2031-10 | 19173.66 | 3317.79 | 15855.87 | 611128.35 |
| 86 | 2031-11 | 19173.66 | 3233.89 | 15939.78 | 595188.57 |
| 87 | 2031-12 | 19173.66 | 3149.54 | 16024.12 | 579164.45 |
| 88 | 2032-01 | 19173.66 | 3064.75 | 16108.92 | 563055.53 |
| 89 | 2032-02 | 19173.66 | 2979.50 | 16194.16 | 546861.37 |
| 90 | 2032-03 | 19173.66 | 2893.81 | 16279.86 | 530581.52 |
| 91 | 2032-04 | 19173.66 | 2807.66 | 16366.00 | 514215.51 |
| 92 | 2032-05 | 19173.66 | 2721.06 | 16452.61 | 497762.91 |
| 93 | 2032-06 | 19173.66 | 2634.00 | 16539.67 | 481223.24 |
| 94 | 2032-07 | 19173.66 | 2546.47 | 16627.19 | 464596.05 |
| 95 | 2032-08 | 19173.66 | 2458.49 | 16715.18 | 447880.87 |
| 96 | 2032-09 | 19173.66 | 2370.04 | 16803.63 | 431077.24 |
| 97 | 2032-10 | 19173.66 | 2281.12 | 16892.55 | 414184.70 |
| 98 | 2032-11 | 19173.66 | 2191.73 | 16981.94 | 397202.76 |
| 99 | 2032-12 | 19173.66 | 2101.86 | 17071.80 | 380130.96 |
| 100 | 2033-01 | 19173.66 | 2011.53 | 17162.14 | 362968.83 |
| 101 | 2033-02 | 19173.66 | 1920.71 | 17252.95 | 345715.87 |
| 102 | 2033-03 | 19173.66 | 1829.41 | 17344.25 | 328371.62 |
| 103 | 2033-04 | 19173.66 | 1737.63 | 17436.03 | 310935.59 |
| 104 | 2033-05 | 19173.66 | 1645.37 | 17528.30 | 293407.29 |
| 105 | 2033-06 | 19173.66 | 1552.61 | 17621.05 | 275786.24 |
| 106 | 2033-07 | 19173.66 | 1459.37 | 17714.29 | 258071.95 |
| 107 | 2033-08 | 19173.66 | 1365.63 | 17808.03 | 240263.92 |
| 108 | 2033-09 | 19173.66 | 1271.40 | 17902.27 | 222361.65 |
| 109 | 2033-10 | 19173.66 | 1176.66 | 17997.00 | 204364.65 |
| 110 | 2033-11 | 19173.66 | 1081.43 | 18092.23 | 186272.42 |
| 111 | 2033-12 | 19173.66 | 985.69 | 18187.97 | 168084.44 |
| 112 | 2034-01 | 19173.66 | 889.45 | 18284.22 | 149800.23 |
| 113 | 2034-02 | 19173.66 | 792.69 | 18380.97 | 131419.26 |
| 114 | 2034-03 | 19173.66 | 695.43 | 18478.24 | 112941.02 |
| 115 | 2034-04 | 19173.66 | 597.65 | 18576.02 | 94365.00 |
| 116 | 2034-05 | 19173.66 | 499.35 | 18674.32 | 75690.69 |
| 117 | 2034-06 | 19173.66 | 400.53 | 18773.13 | 56917.55 |
| 118 | 2034-07 | 19173.66 | 301.19 | 18872.47 | 38045.08 |
| 119 | 2034-08 | 19173.66 | 201.32 | 18972.34 | 19072.74 |
| 120 | 2034-09 | 19173.66 | 100.93 | 19072.74 | 0.00 |
方式尓：等额本金还款方式：
贷款总额：170万
还款月数：10年
首月还款：23162.5元
每月递减：74.97元
利息总额：54.42万
本息合计：224.42万
节省利息：56591.71元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-10 | 23162.50 | 8995.83 | 14166.67 | 1685833.33 |
| 2 | 2024-11 | 23087.53 | 8920.87 | 14166.67 | 1671666.67 |
| 3 | 2024-12 | 23012.57 | 8845.90 | 14166.67 | 1657500.00 |
| 4 | 2025-01 | 22937.60 | 8770.94 | 14166.67 | 1643333.33 |
| 5 | 2025-02 | 22862.64 | 8695.97 | 14166.67 | 1629166.67 |
| 6 | 2025-03 | 22787.67 | 8621.01 | 14166.67 | 1615000.00 |
| 7 | 2025-04 | 22712.71 | 8546.04 | 14166.67 | 1600833.33 |
| 8 | 2025-05 | 22637.74 | 8471.08 | 14166.67 | 1586666.67 |
| 9 | 2025-06 | 22562.78 | 8396.11 | 14166.67 | 1572500.00 |
| 10 | 2025-07 | 22487.81 | 8321.15 | 14166.67 | 1558333.33 |
| 11 | 2025-08 | 22412.85 | 8246.18 | 14166.67 | 1544166.67 |
| 12 | 2025-09 | 22337.88 | 8171.22 | 14166.67 | 1530000.00 |
| 13 | 2025-10 | 22262.92 | 8096.25 | 14166.67 | 1515833.33 |
| 14 | 2025-11 | 22187.95 | 8021.28 | 14166.67 | 1501666.67 |
| 15 | 2025-12 | 22112.99 | 7946.32 | 14166.67 | 1487500.00 |
| 16 | 2026-01 | 22038.02 | 7871.35 | 14166.67 | 1473333.33 |
| 17 | 2026-02 | 21963.06 | 7796.39 | 14166.67 | 1459166.67 |
| 18 | 2026-03 | 21888.09 | 7721.42 | 14166.67 | 1445000.00 |
| 19 | 2026-04 | 21813.13 | 7646.46 | 14166.67 | 1430833.33 |
| 20 | 2026-05 | 21738.16 | 7571.49 | 14166.67 | 1416666.67 |
| 21 | 2026-06 | 21663.19 | 7496.53 | 14166.67 | 1402500.00 |
| 22 | 2026-07 | 21588.23 | 7421.56 | 14166.67 | 1388333.33 |
| 23 | 2026-08 | 21513.26 | 7346.60 | 14166.67 | 1374166.67 |
| 24 | 2026-09 | 21438.30 | 7271.63 | 14166.67 | 1360000.00 |
| 25 | 2026-10 | 21363.33 | 7196.67 | 14166.67 | 1345833.33 |
| 26 | 2026-11 | 21288.37 | 7121.70 | 14166.67 | 1331666.67 |
| 27 | 2026-12 | 21213.40 | 7046.74 | 14166.67 | 1317500.00 |
| 28 | 2027-01 | 21138.44 | 6971.77 | 14166.67 | 1303333.33 |
| 29 | 2027-02 | 21063.47 | 6896.81 | 14166.67 | 1289166.67 |
| 30 | 2027-03 | 20988.51 | 6821.84 | 14166.67 | 1275000.00 |
| 31 | 2027-04 | 20913.54 | 6746.88 | 14166.67 | 1260833.33 |
| 32 | 2027-05 | 20838.58 | 6671.91 | 14166.67 | 1246666.67 |
| 33 | 2027-06 | 20763.61 | 6596.94 | 14166.67 | 1232500.00 |
| 34 | 2027-07 | 20688.65 | 6521.98 | 14166.67 | 1218333.33 |
| 35 | 2027-08 | 20613.68 | 6447.01 | 14166.67 | 1204166.67 |
| 36 | 2027-09 | 20538.72 | 6372.05 | 14166.67 | 1190000.00 |
| 37 | 2027-10 | 20463.75 | 6297.08 | 14166.67 | 1175833.33 |
| 38 | 2027-11 | 20388.78 | 6222.12 | 14166.67 | 1161666.67 |
| 39 | 2027-12 | 20313.82 | 6147.15 | 14166.67 | 1147500.00 |
| 40 | 2028-01 | 20238.85 | 6072.19 | 14166.67 | 1133333.33 |
| 41 | 2028-02 | 20163.89 | 5997.22 | 14166.67 | 1119166.67 |
| 42 | 2028-03 | 20088.92 | 5922.26 | 14166.67 | 1105000.00 |
| 43 | 2028-04 | 20013.96 | 5847.29 | 14166.67 | 1090833.33 |
| 44 | 2028-05 | 19938.99 | 5772.33 | 14166.67 | 1076666.67 |
| 45 | 2028-06 | 19864.03 | 5697.36 | 14166.67 | 1062500.00 |
| 46 | 2028-07 | 19789.06 | 5622.40 | 14166.67 | 1048333.33 |
| 47 | 2028-08 | 19714.10 | 5547.43 | 14166.67 | 1034166.67 |
| 48 | 2028-09 | 19639.13 | 5472.47 | 14166.67 | 1020000.00 |
| 49 | 2028-10 | 19564.17 | 5397.50 | 14166.67 | 1005833.33 |
| 50 | 2028-11 | 19489.20 | 5322.53 | 14166.67 | 991666.67 |
| 51 | 2028-12 | 19414.24 | 5247.57 | 14166.67 | 977500.00 |
| 52 | 2029-01 | 19339.27 | 5172.60 | 14166.67 | 963333.33 |
| 53 | 2029-02 | 19264.31 | 5097.64 | 14166.67 | 949166.67 |
| 54 | 2029-03 | 19189.34 | 5022.67 | 14166.67 | 935000.00 |
| 55 | 2029-04 | 19114.38 | 4947.71 | 14166.67 | 920833.33 |
| 56 | 2029-05 | 19039.41 | 4872.74 | 14166.67 | 906666.67 |
| 57 | 2029-06 | 18964.44 | 4797.78 | 14166.67 | 892500.00 |
| 58 | 2029-07 | 18889.48 | 4722.81 | 14166.67 | 878333.33 |
| 59 | 2029-08 | 18814.51 | 4647.85 | 14166.67 | 864166.67 |
| 60 | 2029-09 | 18739.55 | 4572.88 | 14166.67 | 850000.00 |
| 61 | 2029-10 | 18664.58 | 4497.92 | 14166.67 | 835833.33 |
| 62 | 2029-11 | 18589.62 | 4422.95 | 14166.67 | 821666.67 |
| 63 | 2029-12 | 18514.65 | 4347.99 | 14166.67 | 807500.00 |
| 64 | 2030-01 | 18439.69 | 4273.02 | 14166.67 | 793333.33 |
| 65 | 2030-02 | 18364.72 | 4198.06 | 14166.67 | 779166.67 |
| 66 | 2030-03 | 18289.76 | 4123.09 | 14166.67 | 765000.00 |
| 67 | 2030-04 | 18214.79 | 4048.13 | 14166.67 | 750833.33 |
| 68 | 2030-05 | 18139.83 | 3973.16 | 14166.67 | 736666.67 |
| 69 | 2030-06 | 18064.86 | 3898.19 | 14166.67 | 722500.00 |
| 70 | 2030-07 | 17989.90 | 3823.23 | 14166.67 | 708333.33 |
| 71 | 2030-08 | 17914.93 | 3748.26 | 14166.67 | 694166.67 |
| 72 | 2030-09 | 17839.97 | 3673.30 | 14166.67 | 680000.00 |
| 73 | 2030-10 | 17765.00 | 3598.33 | 14166.67 | 665833.33 |
| 74 | 2030-11 | 17690.03 | 3523.37 | 14166.67 | 651666.67 |
| 75 | 2030-12 | 17615.07 | 3448.40 | 14166.67 | 637500.00 |
| 76 | 2031-01 | 17540.10 | 3373.44 | 14166.67 | 623333.33 |
| 77 | 2031-02 | 17465.14 | 3298.47 | 14166.67 | 609166.67 |
| 78 | 2031-03 | 17390.17 | 3223.51 | 14166.67 | 595000.00 |
| 79 | 2031-04 | 17315.21 | 3148.54 | 14166.67 | 580833.33 |
| 80 | 2031-05 | 17240.24 | 3073.58 | 14166.67 | 566666.67 |
| 81 | 2031-06 | 17165.28 | 2998.61 | 14166.67 | 552500.00 |
| 82 | 2031-07 | 17090.31 | 2923.65 | 14166.67 | 538333.33 |
| 83 | 2031-08 | 17015.35 | 2848.68 | 14166.67 | 524166.67 |
| 84 | 2031-09 | 16940.38 | 2773.72 | 14166.67 | 510000.00 |
| 85 | 2031-10 | 16865.42 | 2698.75 | 14166.67 | 495833.33 |
| 86 | 2031-11 | 16790.45 | 2623.78 | 14166.67 | 481666.67 |
| 87 | 2031-12 | 16715.49 | 2548.82 | 14166.67 | 467500.00 |
| 88 | 2032-01 | 16640.52 | 2473.85 | 14166.67 | 453333.33 |
| 89 | 2032-02 | 16565.56 | 2398.89 | 14166.67 | 439166.67 |
| 90 | 2032-03 | 16490.59 | 2323.92 | 14166.67 | 425000.00 |
| 91 | 2032-04 | 16415.63 | 2248.96 | 14166.67 | 410833.33 |
| 92 | 2032-05 | 16340.66 | 2173.99 | 14166.67 | 396666.67 |
| 93 | 2032-06 | 16265.69 | 2099.03 | 14166.67 | 382500.00 |
| 94 | 2032-07 | 16190.73 | 2024.06 | 14166.67 | 368333.33 |
| 95 | 2032-08 | 16115.76 | 1949.10 | 14166.67 | 354166.67 |
| 96 | 2032-09 | 16040.80 | 1874.13 | 14166.67 | 340000.00 |
| 97 | 2032-10 | 15965.83 | 1799.17 | 14166.67 | 325833.33 |
| 98 | 2032-11 | 15890.87 | 1724.20 | 14166.67 | 311666.67 |
| 99 | 2032-12 | 15815.90 | 1649.24 | 14166.67 | 297500.00 |
| 100 | 2033-01 | 15740.94 | 1574.27 | 14166.67 | 283333.33 |
| 101 | 2033-02 | 15665.97 | 1499.31 | 14166.67 | 269166.67 |
| 102 | 2033-03 | 15591.01 | 1424.34 | 14166.67 | 255000.00 |
| 103 | 2033-04 | 15516.04 | 1349.38 | 14166.67 | 240833.33 |
| 104 | 2033-05 | 15441.08 | 1274.41 | 14166.67 | 226666.67 |
| 105 | 2033-06 | 15366.11 | 1199.44 | 14166.67 | 212500.00 |
| 106 | 2033-07 | 15291.15 | 1124.48 | 14166.67 | 198333.33 |
| 107 | 2033-08 | 15216.18 | 1049.51 | 14166.67 | 184166.67 |
| 108 | 2033-09 | 15141.22 | 974.55 | 14166.67 | 170000.00 |
| 109 | 2033-10 | 15066.25 | 899.58 | 14166.67 | 155833.33 |
| 110 | 2033-11 | 14991.28 | 824.62 | 14166.67 | 141666.67 |
| 111 | 2033-12 | 14916.32 | 749.65 | 14166.67 | 127500.00 |
| 112 | 2034-01 | 14841.35 | 674.69 | 14166.67 | 113333.33 |
| 113 | 2034-02 | 14766.39 | 599.72 | 14166.67 | 99166.67 |
| 114 | 2034-03 | 14691.42 | 524.76 | 14166.67 | 85000.00 |
| 115 | 2034-04 | 14616.46 | 449.79 | 14166.67 | 70833.33 |
| 116 | 2034-05 | 14541.49 | 374.83 | 14166.67 | 56666.67 |
| 117 | 2034-06 | 14466.53 | 299.86 | 14166.67 | 42500.00 |
| 118 | 2034-07 | 14391.56 | 224.90 | 14166.67 | 28333.33 |
| 119 | 2034-08 | 14316.60 | 149.93 | 14166.67 | 14166.67 |
| 120 | 2034-09 | 14241.63 | 74.97 | 14166.67 | 0.00 |
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采用2025年12月04日贷款市场报价利率(LPR)中国人民银行授权全国银行间同业拆借中心公布，采用2025年12月04日贷款市场报价利率(LPR)为：1年期LPR为3.35%，5年期以上LPR为3.85%。以上LPR在下一次发布LPR之前有效。
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