解析：
贷款200万（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：200万
还款月数：10年
每月还款：19636.95元
利息总额：35.64万
本息合计：235.64万
| 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 | 19636.95 | 5583.33 | 14053.61 | 1985946.39 |
| 2 | 2024-11 | 19636.95 | 5544.10 | 14092.85 | 1971853.54 |
| 3 | 2024-12 | 19636.95 | 5504.76 | 14132.19 | 1957721.35 |
| 4 | 2025-01 | 19636.95 | 5465.31 | 14171.64 | 1943549.71 |
| 5 | 2025-02 | 19636.95 | 5425.74 | 14211.20 | 1929338.50 |
| 6 | 2025-03 | 19636.95 | 5386.07 | 14250.88 | 1915087.62 |
| 7 | 2025-04 | 19636.95 | 5346.29 | 14290.66 | 1900796.96 |
| 8 | 2025-05 | 19636.95 | 5306.39 | 14330.56 | 1886466.41 |
| 9 | 2025-06 | 19636.95 | 5266.39 | 14370.56 | 1872095.84 |
| 10 | 2025-07 | 19636.95 | 5226.27 | 14410.68 | 1857685.16 |
| 11 | 2025-08 | 19636.95 | 5186.04 | 14450.91 | 1843234.25 |
| 12 | 2025-09 | 19636.95 | 5145.70 | 14491.25 | 1828743.00 |
| 13 | 2025-10 | 19636.95 | 5105.24 | 14531.71 | 1814211.29 |
| 14 | 2025-11 | 19636.95 | 5064.67 | 14572.27 | 1799639.02 |
| 15 | 2025-12 | 19636.95 | 5023.99 | 14612.96 | 1785026.06 |
| 16 | 2026-01 | 19636.95 | 4983.20 | 14653.75 | 1770372.31 |
| 17 | 2026-02 | 19636.95 | 4942.29 | 14694.66 | 1755677.66 |
| 18 | 2026-03 | 19636.95 | 4901.27 | 14735.68 | 1740941.97 |
| 19 | 2026-04 | 19636.95 | 4860.13 | 14776.82 | 1726165.16 |
| 20 | 2026-05 | 19636.95 | 4818.88 | 14818.07 | 1711347.09 |
| 21 | 2026-06 | 19636.95 | 4777.51 | 14859.44 | 1696487.65 |
| 22 | 2026-07 | 19636.95 | 4736.03 | 14900.92 | 1681586.73 |
| 23 | 2026-08 | 19636.95 | 4694.43 | 14942.52 | 1666644.21 |
| 24 | 2026-09 | 19636.95 | 4652.72 | 14984.23 | 1651659.98 |
| 25 | 2026-10 | 19636.95 | 4610.88 | 15026.06 | 1636633.92 |
| 26 | 2026-11 | 19636.95 | 4568.94 | 15068.01 | 1621565.90 |
| 27 | 2026-12 | 19636.95 | 4526.87 | 15110.08 | 1606455.83 |
| 28 | 2027-01 | 19636.95 | 4484.69 | 15152.26 | 1591303.57 |
| 29 | 2027-02 | 19636.95 | 4442.39 | 15194.56 | 1576109.01 |
| 30 | 2027-03 | 19636.95 | 4399.97 | 15236.98 | 1560872.03 |
| 31 | 2027-04 | 19636.95 | 4357.43 | 15279.51 | 1545592.52 |
| 32 | 2027-05 | 19636.95 | 4314.78 | 15322.17 | 1530270.35 |
| 33 | 2027-06 | 19636.95 | 4272.00 | 15364.94 | 1514905.41 |
| 34 | 2027-07 | 19636.95 | 4229.11 | 15407.84 | 1499497.57 |
| 35 | 2027-08 | 19636.95 | 4186.10 | 15450.85 | 1484046.72 |
| 36 | 2027-09 | 19636.95 | 4142.96 | 15493.98 | 1468552.74 |
| 37 | 2027-10 | 19636.95 | 4099.71 | 15537.24 | 1453015.50 |
| 38 | 2027-11 | 19636.95 | 4056.33 | 15580.61 | 1437434.89 |
| 39 | 2027-12 | 19636.95 | 4012.84 | 15624.11 | 1421810.78 |
| 40 | 2028-01 | 19636.95 | 3969.22 | 15667.73 | 1406143.05 |
| 41 | 2028-02 | 19636.95 | 3925.48 | 15711.47 | 1390431.59 |
| 42 | 2028-03 | 19636.95 | 3881.62 | 15755.33 | 1374676.26 |
| 43 | 2028-04 | 19636.95 | 3837.64 | 15799.31 | 1358876.95 |
| 44 | 2028-05 | 19636.95 | 3793.53 | 15843.42 | 1343033.53 |
| 45 | 2028-06 | 19636.95 | 3749.30 | 15887.65 | 1327145.89 |
| 46 | 2028-07 | 19636.95 | 3704.95 | 15932.00 | 1311213.89 |
| 47 | 2028-08 | 19636.95 | 3660.47 | 15976.48 | 1295237.41 |
| 48 | 2028-09 | 19636.95 | 3615.87 | 16021.08 | 1279216.34 |
| 49 | 2028-10 | 19636.95 | 3571.15 | 16065.80 | 1263150.54 |
| 50 | 2028-11 | 19636.95 | 3526.30 | 16110.65 | 1247039.88 |
| 51 | 2028-12 | 19636.95 | 3481.32 | 16155.63 | 1230884.25 |
| 52 | 2029-01 | 19636.95 | 3436.22 | 16200.73 | 1214683.53 |
| 53 | 2029-02 | 19636.95 | 3390.99 | 16245.96 | 1198437.57 |
| 54 | 2029-03 | 19636.95 | 3345.64 | 16291.31 | 1182146.26 |
| 55 | 2029-04 | 19636.95 | 3300.16 | 16336.79 | 1165809.47 |
| 56 | 2029-05 | 19636.95 | 3254.55 | 16382.40 | 1149427.07 |
| 57 | 2029-06 | 19636.95 | 3208.82 | 16428.13 | 1132998.94 |
| 58 | 2029-07 | 19636.95 | 3162.96 | 16473.99 | 1116524.95 |
| 59 | 2029-08 | 19636.95 | 3116.97 | 16519.98 | 1100004.97 |
| 60 | 2029-09 | 19636.95 | 3070.85 | 16566.10 | 1083438.87 |
| 61 | 2029-10 | 19636.95 | 3024.60 | 16612.35 | 1066826.52 |
| 62 | 2029-11 | 19636.95 | 2978.22 | 16658.72 | 1050167.80 |
| 63 | 2029-12 | 19636.95 | 2931.72 | 16705.23 | 1033462.57 |
| 64 | 2030-01 | 19636.95 | 2885.08 | 16751.86 | 1016710.70 |
| 65 | 2030-02 | 19636.95 | 2838.32 | 16798.63 | 999912.07 |
| 66 | 2030-03 | 19636.95 | 2791.42 | 16845.53 | 983066.55 |
| 67 | 2030-04 | 19636.95 | 2744.39 | 16892.55 | 966173.99 |
| 68 | 2030-05 | 19636.95 | 2697.24 | 16939.71 | 949234.28 |
| 69 | 2030-06 | 19636.95 | 2649.95 | 16987.00 | 932247.28 |
| 70 | 2030-07 | 19636.95 | 2602.52 | 17034.42 | 915212.85 |
| 71 | 2030-08 | 19636.95 | 2554.97 | 17081.98 | 898130.88 |
| 72 | 2030-09 | 19636.95 | 2507.28 | 17129.67 | 881001.21 |
| 73 | 2030-10 | 19636.95 | 2459.46 | 17177.49 | 863823.72 |
| 74 | 2030-11 | 19636.95 | 2411.51 | 17225.44 | 846598.28 |
| 75 | 2030-12 | 19636.95 | 2363.42 | 17273.53 | 829324.76 |
| 76 | 2031-01 | 19636.95 | 2315.20 | 17321.75 | 812003.01 |
| 77 | 2031-02 | 19636.95 | 2266.84 | 17370.11 | 794632.90 |
| 78 | 2031-03 | 19636.95 | 2218.35 | 17418.60 | 777214.30 |
| 79 | 2031-04 | 19636.95 | 2169.72 | 17467.22 | 759747.08 |
| 80 | 2031-05 | 19636.95 | 2120.96 | 17515.99 | 742231.09 |
| 81 | 2031-06 | 19636.95 | 2072.06 | 17564.89 | 724666.21 |
| 82 | 2031-07 | 19636.95 | 2023.03 | 17613.92 | 707052.28 |
| 83 | 2031-08 | 19636.95 | 1973.85 | 17663.09 | 689389.19 |
| 84 | 2031-09 | 19636.95 | 1924.54 | 17712.40 | 671676.79 |
| 85 | 2031-10 | 19636.95 | 1875.10 | 17761.85 | 653914.94 |
| 86 | 2031-11 | 19636.95 | 1825.51 | 17811.44 | 636103.50 |
| 87 | 2031-12 | 19636.95 | 1775.79 | 17861.16 | 618242.34 |
| 88 | 2032-01 | 19636.95 | 1725.93 | 17911.02 | 600331.32 |
| 89 | 2032-02 | 19636.95 | 1675.92 | 17961.02 | 582370.30 |
| 90 | 2032-03 | 19636.95 | 1625.78 | 18011.16 | 564359.14 |
| 91 | 2032-04 | 19636.95 | 1575.50 | 18061.45 | 546297.69 |
| 92 | 2032-05 | 19636.95 | 1525.08 | 18111.87 | 528185.82 |
| 93 | 2032-06 | 19636.95 | 1474.52 | 18162.43 | 510023.39 |
| 94 | 2032-07 | 19636.95 | 1423.82 | 18213.13 | 491810.26 |
| 95 | 2032-08 | 19636.95 | 1372.97 | 18263.98 | 473546.28 |
| 96 | 2032-09 | 19636.95 | 1321.98 | 18314.96 | 455231.32 |
| 97 | 2032-10 | 19636.95 | 1270.85 | 18366.09 | 436865.23 |
| 98 | 2032-11 | 19636.95 | 1219.58 | 18417.37 | 418447.86 |
| 99 | 2032-12 | 19636.95 | 1168.17 | 18468.78 | 399979.08 |
| 100 | 2033-01 | 19636.95 | 1116.61 | 18520.34 | 381458.74 |
| 101 | 2033-02 | 19636.95 | 1064.91 | 18572.04 | 362886.70 |
| 102 | 2033-03 | 19636.95 | 1013.06 | 18623.89 | 344262.81 |
| 103 | 2033-04 | 19636.95 | 961.07 | 18675.88 | 325586.93 |
| 104 | 2033-05 | 19636.95 | 908.93 | 18728.02 | 306858.91 |
| 105 | 2033-06 | 19636.95 | 856.65 | 18780.30 | 288078.61 |
| 106 | 2033-07 | 19636.95 | 804.22 | 18832.73 | 269245.88 |
| 107 | 2033-08 | 19636.95 | 751.64 | 18885.30 | 250360.58 |
| 108 | 2033-09 | 19636.95 | 698.92 | 18938.02 | 231422.56 |
| 109 | 2033-10 | 19636.95 | 646.05 | 18990.89 | 212431.66 |
| 110 | 2033-11 | 19636.95 | 593.04 | 19043.91 | 193387.75 |
| 111 | 2033-12 | 19636.95 | 539.87 | 19097.07 | 174290.68 |
| 112 | 2034-01 | 19636.95 | 486.56 | 19150.39 | 155140.29 |
| 113 | 2034-02 | 19636.95 | 433.10 | 19203.85 | 135936.45 |
| 114 | 2034-03 | 19636.95 | 379.49 | 19257.46 | 116678.99 |
| 115 | 2034-04 | 19636.95 | 325.73 | 19311.22 | 97367.77 |
| 116 | 2034-05 | 19636.95 | 271.82 | 19365.13 | 78002.64 |
| 117 | 2034-06 | 19636.95 | 217.76 | 19419.19 | 58583.45 |
| 118 | 2034-07 | 19636.95 | 163.55 | 19473.40 | 39110.05 |
| 119 | 2034-08 | 19636.95 | 109.18 | 19527.77 | 19582.28 |
| 120 | 2034-09 | 19636.95 | 54.67 | 19582.28 | 0.00 |
方式尓：等额本金还款方式：
贷款总额：200万
还款月数：10年
首月还款：22250元
每月递减：46.53元
利息总额：33.78万
本息合计：233.78万
节省利息：18642.06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 | 22250.00 | 5583.33 | 16666.67 | 1983333.33 |
| 2 | 2024-11 | 22203.47 | 5536.81 | 16666.67 | 1966666.67 |
| 3 | 2024-12 | 22156.94 | 5490.28 | 16666.67 | 1950000.00 |
| 4 | 2025-01 | 22110.42 | 5443.75 | 16666.67 | 1933333.33 |
| 5 | 2025-02 | 22063.89 | 5397.22 | 16666.67 | 1916666.67 |
| 6 | 2025-03 | 22017.36 | 5350.69 | 16666.67 | 1900000.00 |
| 7 | 2025-04 | 21970.83 | 5304.17 | 16666.67 | 1883333.33 |
| 8 | 2025-05 | 21924.31 | 5257.64 | 16666.67 | 1866666.67 |
| 9 | 2025-06 | 21877.78 | 5211.11 | 16666.67 | 1850000.00 |
| 10 | 2025-07 | 21831.25 | 5164.58 | 16666.67 | 1833333.33 |
| 11 | 2025-08 | 21784.72 | 5118.06 | 16666.67 | 1816666.67 |
| 12 | 2025-09 | 21738.19 | 5071.53 | 16666.67 | 1800000.00 |
| 13 | 2025-10 | 21691.67 | 5025.00 | 16666.67 | 1783333.33 |
| 14 | 2025-11 | 21645.14 | 4978.47 | 16666.67 | 1766666.67 |
| 15 | 2025-12 | 21598.61 | 4931.94 | 16666.67 | 1750000.00 |
| 16 | 2026-01 | 21552.08 | 4885.42 | 16666.67 | 1733333.33 |
| 17 | 2026-02 | 21505.56 | 4838.89 | 16666.67 | 1716666.67 |
| 18 | 2026-03 | 21459.03 | 4792.36 | 16666.67 | 1700000.00 |
| 19 | 2026-04 | 21412.50 | 4745.83 | 16666.67 | 1683333.33 |
| 20 | 2026-05 | 21365.97 | 4699.31 | 16666.67 | 1666666.67 |
| 21 | 2026-06 | 21319.44 | 4652.78 | 16666.67 | 1650000.00 |
| 22 | 2026-07 | 21272.92 | 4606.25 | 16666.67 | 1633333.33 |
| 23 | 2026-08 | 21226.39 | 4559.72 | 16666.67 | 1616666.67 |
| 24 | 2026-09 | 21179.86 | 4513.19 | 16666.67 | 1600000.00 |
| 25 | 2026-10 | 21133.33 | 4466.67 | 16666.67 | 1583333.33 |
| 26 | 2026-11 | 21086.81 | 4420.14 | 16666.67 | 1566666.67 |
| 27 | 2026-12 | 21040.28 | 4373.61 | 16666.67 | 1550000.00 |
| 28 | 2027-01 | 20993.75 | 4327.08 | 16666.67 | 1533333.33 |
| 29 | 2027-02 | 20947.22 | 4280.56 | 16666.67 | 1516666.67 |
| 30 | 2027-03 | 20900.69 | 4234.03 | 16666.67 | 1500000.00 |
| 31 | 2027-04 | 20854.17 | 4187.50 | 16666.67 | 1483333.33 |
| 32 | 2027-05 | 20807.64 | 4140.97 | 16666.67 | 1466666.67 |
| 33 | 2027-06 | 20761.11 | 4094.44 | 16666.67 | 1450000.00 |
| 34 | 2027-07 | 20714.58 | 4047.92 | 16666.67 | 1433333.33 |
| 35 | 2027-08 | 20668.06 | 4001.39 | 16666.67 | 1416666.67 |
| 36 | 2027-09 | 20621.53 | 3954.86 | 16666.67 | 1400000.00 |
| 37 | 2027-10 | 20575.00 | 3908.33 | 16666.67 | 1383333.33 |
| 38 | 2027-11 | 20528.47 | 3861.81 | 16666.67 | 1366666.67 |
| 39 | 2027-12 | 20481.94 | 3815.28 | 16666.67 | 1350000.00 |
| 40 | 2028-01 | 20435.42 | 3768.75 | 16666.67 | 1333333.33 |
| 41 | 2028-02 | 20388.89 | 3722.22 | 16666.67 | 1316666.67 |
| 42 | 2028-03 | 20342.36 | 3675.69 | 16666.67 | 1300000.00 |
| 43 | 2028-04 | 20295.83 | 3629.17 | 16666.67 | 1283333.33 |
| 44 | 2028-05 | 20249.31 | 3582.64 | 16666.67 | 1266666.67 |
| 45 | 2028-06 | 20202.78 | 3536.11 | 16666.67 | 1250000.00 |
| 46 | 2028-07 | 20156.25 | 3489.58 | 16666.67 | 1233333.33 |
| 47 | 2028-08 | 20109.72 | 3443.06 | 16666.67 | 1216666.67 |
| 48 | 2028-09 | 20063.19 | 3396.53 | 16666.67 | 1200000.00 |
| 49 | 2028-10 | 20016.67 | 3350.00 | 16666.67 | 1183333.33 |
| 50 | 2028-11 | 19970.14 | 3303.47 | 16666.67 | 1166666.67 |
| 51 | 2028-12 | 19923.61 | 3256.94 | 16666.67 | 1150000.00 |
| 52 | 2029-01 | 19877.08 | 3210.42 | 16666.67 | 1133333.33 |
| 53 | 2029-02 | 19830.56 | 3163.89 | 16666.67 | 1116666.67 |
| 54 | 2029-03 | 19784.03 | 3117.36 | 16666.67 | 1100000.00 |
| 55 | 2029-04 | 19737.50 | 3070.83 | 16666.67 | 1083333.33 |
| 56 | 2029-05 | 19690.97 | 3024.31 | 16666.67 | 1066666.67 |
| 57 | 2029-06 | 19644.44 | 2977.78 | 16666.67 | 1050000.00 |
| 58 | 2029-07 | 19597.92 | 2931.25 | 16666.67 | 1033333.33 |
| 59 | 2029-08 | 19551.39 | 2884.72 | 16666.67 | 1016666.67 |
| 60 | 2029-09 | 19504.86 | 2838.19 | 16666.67 | 1000000.00 |
| 61 | 2029-10 | 19458.33 | 2791.67 | 16666.67 | 983333.33 |
| 62 | 2029-11 | 19411.81 | 2745.14 | 16666.67 | 966666.67 |
| 63 | 2029-12 | 19365.28 | 2698.61 | 16666.67 | 950000.00 |
| 64 | 2030-01 | 19318.75 | 2652.08 | 16666.67 | 933333.33 |
| 65 | 2030-02 | 19272.22 | 2605.56 | 16666.67 | 916666.67 |
| 66 | 2030-03 | 19225.69 | 2559.03 | 16666.67 | 900000.00 |
| 67 | 2030-04 | 19179.17 | 2512.50 | 16666.67 | 883333.33 |
| 68 | 2030-05 | 19132.64 | 2465.97 | 16666.67 | 866666.67 |
| 69 | 2030-06 | 19086.11 | 2419.44 | 16666.67 | 850000.00 |
| 70 | 2030-07 | 19039.58 | 2372.92 | 16666.67 | 833333.33 |
| 71 | 2030-08 | 18993.06 | 2326.39 | 16666.67 | 816666.67 |
| 72 | 2030-09 | 18946.53 | 2279.86 | 16666.67 | 800000.00 |
| 73 | 2030-10 | 18900.00 | 2233.33 | 16666.67 | 783333.33 |
| 74 | 2030-11 | 18853.47 | 2186.81 | 16666.67 | 766666.67 |
| 75 | 2030-12 | 18806.94 | 2140.28 | 16666.67 | 750000.00 |
| 76 | 2031-01 | 18760.42 | 2093.75 | 16666.67 | 733333.33 |
| 77 | 2031-02 | 18713.89 | 2047.22 | 16666.67 | 716666.67 |
| 78 | 2031-03 | 18667.36 | 2000.69 | 16666.67 | 700000.00 |
| 79 | 2031-04 | 18620.83 | 1954.17 | 16666.67 | 683333.33 |
| 80 | 2031-05 | 18574.31 | 1907.64 | 16666.67 | 666666.67 |
| 81 | 2031-06 | 18527.78 | 1861.11 | 16666.67 | 650000.00 |
| 82 | 2031-07 | 18481.25 | 1814.58 | 16666.67 | 633333.33 |
| 83 | 2031-08 | 18434.72 | 1768.06 | 16666.67 | 616666.67 |
| 84 | 2031-09 | 18388.19 | 1721.53 | 16666.67 | 600000.00 |
| 85 | 2031-10 | 18341.67 | 1675.00 | 16666.67 | 583333.33 |
| 86 | 2031-11 | 18295.14 | 1628.47 | 16666.67 | 566666.67 |
| 87 | 2031-12 | 18248.61 | 1581.94 | 16666.67 | 550000.00 |
| 88 | 2032-01 | 18202.08 | 1535.42 | 16666.67 | 533333.33 |
| 89 | 2032-02 | 18155.56 | 1488.89 | 16666.67 | 516666.67 |
| 90 | 2032-03 | 18109.03 | 1442.36 | 16666.67 | 500000.00 |
| 91 | 2032-04 | 18062.50 | 1395.83 | 16666.67 | 483333.33 |
| 92 | 2032-05 | 18015.97 | 1349.31 | 16666.67 | 466666.67 |
| 93 | 2032-06 | 17969.44 | 1302.78 | 16666.67 | 450000.00 |
| 94 | 2032-07 | 17922.92 | 1256.25 | 16666.67 | 433333.33 |
| 95 | 2032-08 | 17876.39 | 1209.72 | 16666.67 | 416666.67 |
| 96 | 2032-09 | 17829.86 | 1163.19 | 16666.67 | 400000.00 |
| 97 | 2032-10 | 17783.33 | 1116.67 | 16666.67 | 383333.33 |
| 98 | 2032-11 | 17736.81 | 1070.14 | 16666.67 | 366666.67 |
| 99 | 2032-12 | 17690.28 | 1023.61 | 16666.67 | 350000.00 |
| 100 | 2033-01 | 17643.75 | 977.08 | 16666.67 | 333333.33 |
| 101 | 2033-02 | 17597.22 | 930.56 | 16666.67 | 316666.67 |
| 102 | 2033-03 | 17550.69 | 884.03 | 16666.67 | 300000.00 |
| 103 | 2033-04 | 17504.17 | 837.50 | 16666.67 | 283333.33 |
| 104 | 2033-05 | 17457.64 | 790.97 | 16666.67 | 266666.67 |
| 105 | 2033-06 | 17411.11 | 744.44 | 16666.67 | 250000.00 |
| 106 | 2033-07 | 17364.58 | 697.92 | 16666.67 | 233333.33 |
| 107 | 2033-08 | 17318.06 | 651.39 | 16666.67 | 216666.67 |
| 108 | 2033-09 | 17271.53 | 604.86 | 16666.67 | 200000.00 |
| 109 | 2033-10 | 17225.00 | 558.33 | 16666.67 | 183333.33 |
| 110 | 2033-11 | 17178.47 | 511.81 | 16666.67 | 166666.67 |
| 111 | 2033-12 | 17131.94 | 465.28 | 16666.67 | 150000.00 |
| 112 | 2034-01 | 17085.42 | 418.75 | 16666.67 | 133333.33 |
| 113 | 2034-02 | 17038.89 | 372.22 | 16666.67 | 116666.67 |
| 114 | 2034-03 | 16992.36 | 325.69 | 16666.67 | 100000.00 |
| 115 | 2034-04 | 16945.83 | 279.17 | 16666.67 | 83333.33 |
| 116 | 2034-05 | 16899.31 | 232.64 | 16666.67 | 66666.67 |
| 117 | 2034-06 | 16852.78 | 186.11 | 16666.67 | 50000.00 |
| 118 | 2034-07 | 16806.25 | 139.58 | 16666.67 | 33333.33 |
| 119 | 2034-08 | 16759.72 | 93.06 | 16666.67 | 16666.67 |
| 120 | 2034-09 | 16713.19 | 46.53 | 16666.67 | 0.00 |
友情链接:
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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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