解析：
贷款54万（公积金贷款）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：54万
还款月数：10年
每月还款：5301.98元
利息总额：9.62万
本息合计：63.62万
| 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 | 5301.98 | 1507.50 | 3794.48 | 536205.52 |
| 2 | 2024-11 | 5301.98 | 1496.91 | 3805.07 | 532400.46 |
| 3 | 2024-12 | 5301.98 | 1486.28 | 3815.69 | 528584.76 |
| 4 | 2025-01 | 5301.98 | 1475.63 | 3826.34 | 524758.42 |
| 5 | 2025-02 | 5301.98 | 1464.95 | 3837.03 | 520921.40 |
| 6 | 2025-03 | 5301.98 | 1454.24 | 3847.74 | 517073.66 |
| 7 | 2025-04 | 5301.98 | 1443.50 | 3858.48 | 513215.18 |
| 8 | 2025-05 | 5301.98 | 1432.73 | 3869.25 | 509345.93 |
| 9 | 2025-06 | 5301.98 | 1421.92 | 3880.05 | 505465.88 |
| 10 | 2025-07 | 5301.98 | 1411.09 | 3890.88 | 501574.99 |
| 11 | 2025-08 | 5301.98 | 1400.23 | 3901.75 | 497673.25 |
| 12 | 2025-09 | 5301.98 | 1389.34 | 3912.64 | 493760.61 |
| 13 | 2025-10 | 5301.98 | 1378.42 | 3923.56 | 489837.05 |
| 14 | 2025-11 | 5301.98 | 1367.46 | 3934.51 | 485902.54 |
| 15 | 2025-12 | 5301.98 | 1356.48 | 3945.50 | 481957.04 |
| 16 | 2026-01 | 5301.98 | 1345.46 | 3956.51 | 478000.52 |
| 17 | 2026-02 | 5301.98 | 1334.42 | 3967.56 | 474032.97 |
| 18 | 2026-03 | 5301.98 | 1323.34 | 3978.63 | 470054.33 |
| 19 | 2026-04 | 5301.98 | 1312.24 | 3989.74 | 466064.59 |
| 20 | 2026-05 | 5301.98 | 1301.10 | 4000.88 | 462063.71 |
| 21 | 2026-06 | 5301.98 | 1289.93 | 4012.05 | 458051.67 |
| 22 | 2026-07 | 5301.98 | 1278.73 | 4023.25 | 454028.42 |
| 23 | 2026-08 | 5301.98 | 1267.50 | 4034.48 | 449993.94 |
| 24 | 2026-09 | 5301.98 | 1256.23 | 4045.74 | 445948.19 |
| 25 | 2026-10 | 5301.98 | 1244.94 | 4057.04 | 441891.16 |
| 26 | 2026-11 | 5301.98 | 1233.61 | 4068.36 | 437822.79 |
| 27 | 2026-12 | 5301.98 | 1222.26 | 4079.72 | 433743.07 |
| 28 | 2027-01 | 5301.98 | 1210.87 | 4091.11 | 429651.96 |
| 29 | 2027-02 | 5301.98 | 1199.45 | 4102.53 | 425549.43 |
| 30 | 2027-03 | 5301.98 | 1187.99 | 4113.98 | 421435.45 |
| 31 | 2027-04 | 5301.98 | 1176.51 | 4125.47 | 417309.98 |
| 32 | 2027-05 | 5301.98 | 1164.99 | 4136.99 | 413172.99 |
| 33 | 2027-06 | 5301.98 | 1153.44 | 4148.53 | 409024.46 |
| 34 | 2027-07 | 5301.98 | 1141.86 | 4160.12 | 404864.34 |
| 35 | 2027-08 | 5301.98 | 1130.25 | 4171.73 | 400692.61 |
| 36 | 2027-09 | 5301.98 | 1118.60 | 4183.38 | 396509.24 |
| 37 | 2027-10 | 5301.98 | 1106.92 | 4195.05 | 392314.18 |
| 38 | 2027-11 | 5301.98 | 1095.21 | 4206.77 | 388107.42 |
| 39 | 2027-12 | 5301.98 | 1083.47 | 4218.51 | 383888.91 |
| 40 | 2028-01 | 5301.98 | 1071.69 | 4230.29 | 379658.62 |
| 41 | 2028-02 | 5301.98 | 1059.88 | 4242.10 | 375416.53 |
| 42 | 2028-03 | 5301.98 | 1048.04 | 4253.94 | 371162.59 |
| 43 | 2028-04 | 5301.98 | 1036.16 | 4265.81 | 366896.78 |
| 44 | 2028-05 | 5301.98 | 1024.25 | 4277.72 | 362619.05 |
| 45 | 2028-06 | 5301.98 | 1012.31 | 4289.66 | 358329.39 |
| 46 | 2028-07 | 5301.98 | 1000.34 | 4301.64 | 354027.75 |
| 47 | 2028-08 | 5301.98 | 988.33 | 4313.65 | 349714.10 |
| 48 | 2028-09 | 5301.98 | 976.29 | 4325.69 | 345388.41 |
| 49 | 2028-10 | 5301.98 | 964.21 | 4337.77 | 341050.64 |
| 50 | 2028-11 | 5301.98 | 952.10 | 4349.88 | 336700.77 |
| 51 | 2028-12 | 5301.98 | 939.96 | 4362.02 | 332338.75 |
| 52 | 2029-01 | 5301.98 | 927.78 | 4374.20 | 327964.55 |
| 53 | 2029-02 | 5301.98 | 915.57 | 4386.41 | 323578.14 |
| 54 | 2029-03 | 5301.98 | 903.32 | 4398.65 | 319179.49 |
| 55 | 2029-04 | 5301.98 | 891.04 | 4410.93 | 314768.56 |
| 56 | 2029-05 | 5301.98 | 878.73 | 4423.25 | 310345.31 |
| 57 | 2029-06 | 5301.98 | 866.38 | 4435.60 | 305909.71 |
| 58 | 2029-07 | 5301.98 | 854.00 | 4447.98 | 301461.74 |
| 59 | 2029-08 | 5301.98 | 841.58 | 4460.40 | 297001.34 |
| 60 | 2029-09 | 5301.98 | 829.13 | 4472.85 | 292528.49 |
| 61 | 2029-10 | 5301.98 | 816.64 | 4485.33 | 288043.16 |
| 62 | 2029-11 | 5301.98 | 804.12 | 4497.86 | 283545.31 |
| 63 | 2029-12 | 5301.98 | 791.56 | 4510.41 | 279034.89 |
| 64 | 2030-01 | 5301.98 | 778.97 | 4523.00 | 274511.89 |
| 65 | 2030-02 | 5301.98 | 766.35 | 4535.63 | 269976.26 |
| 66 | 2030-03 | 5301.98 | 753.68 | 4548.29 | 265427.97 |
| 67 | 2030-04 | 5301.98 | 740.99 | 4560.99 | 260866.98 |
| 68 | 2030-05 | 5301.98 | 728.25 | 4573.72 | 256293.26 |
| 69 | 2030-06 | 5301.98 | 715.49 | 4586.49 | 251706.77 |
| 70 | 2030-07 | 5301.98 | 702.68 | 4599.29 | 247107.47 |
| 71 | 2030-08 | 5301.98 | 689.84 | 4612.13 | 242495.34 |
| 72 | 2030-09 | 5301.98 | 676.97 | 4625.01 | 237870.33 |
| 73 | 2030-10 | 5301.98 | 664.05 | 4637.92 | 233232.41 |
| 74 | 2030-11 | 5301.98 | 651.11 | 4650.87 | 228581.54 |
| 75 | 2030-12 | 5301.98 | 638.12 | 4663.85 | 223917.68 |
| 76 | 2031-01 | 5301.98 | 625.10 | 4676.87 | 219240.81 |
| 77 | 2031-02 | 5301.98 | 612.05 | 4689.93 | 214550.88 |
| 78 | 2031-03 | 5301.98 | 598.95 | 4703.02 | 209847.86 |
| 79 | 2031-04 | 5301.98 | 585.83 | 4716.15 | 205131.71 |
| 80 | 2031-05 | 5301.98 | 572.66 | 4729.32 | 200402.39 |
| 81 | 2031-06 | 5301.98 | 559.46 | 4742.52 | 195659.88 |
| 82 | 2031-07 | 5301.98 | 546.22 | 4755.76 | 190904.12 |
| 83 | 2031-08 | 5301.98 | 532.94 | 4769.04 | 186135.08 |
| 84 | 2031-09 | 5301.98 | 519.63 | 4782.35 | 181352.73 |
| 85 | 2031-10 | 5301.98 | 506.28 | 4795.70 | 176557.03 |
| 86 | 2031-11 | 5301.98 | 492.89 | 4809.09 | 171747.95 |
| 87 | 2031-12 | 5301.98 | 479.46 | 4822.51 | 166925.43 |
| 88 | 2032-01 | 5301.98 | 466.00 | 4835.98 | 162089.46 |
| 89 | 2032-02 | 5301.98 | 452.50 | 4849.48 | 157239.98 |
| 90 | 2032-03 | 5301.98 | 438.96 | 4863.01 | 152376.97 |
| 91 | 2032-04 | 5301.98 | 425.39 | 4876.59 | 147500.38 |
| 92 | 2032-05 | 5301.98 | 411.77 | 4890.20 | 142610.17 |
| 93 | 2032-06 | 5301.98 | 398.12 | 4903.86 | 137706.32 |
| 94 | 2032-07 | 5301.98 | 384.43 | 4917.55 | 132788.77 |
| 95 | 2032-08 | 5301.98 | 370.70 | 4931.27 | 127857.50 |
| 96 | 2032-09 | 5301.98 | 356.94 | 4945.04 | 122912.46 |
| 97 | 2032-10 | 5301.98 | 343.13 | 4958.85 | 117953.61 |
| 98 | 2032-11 | 5301.98 | 329.29 | 4972.69 | 112980.92 |
| 99 | 2032-12 | 5301.98 | 315.41 | 4986.57 | 107994.35 |
| 100 | 2033-01 | 5301.98 | 301.48 | 5000.49 | 102993.86 |
| 101 | 2033-02 | 5301.98 | 287.52 | 5014.45 | 97979.41 |
| 102 | 2033-03 | 5301.98 | 273.53 | 5028.45 | 92950.96 |
| 103 | 2033-04 | 5301.98 | 259.49 | 5042.49 | 87908.47 |
| 104 | 2033-05 | 5301.98 | 245.41 | 5056.56 | 82851.91 |
| 105 | 2033-06 | 5301.98 | 231.29 | 5070.68 | 77781.23 |
| 106 | 2033-07 | 5301.98 | 217.14 | 5084.84 | 72696.39 |
| 107 | 2033-08 | 5301.98 | 202.94 | 5099.03 | 67597.36 |
| 108 | 2033-09 | 5301.98 | 188.71 | 5113.27 | 62484.09 |
| 109 | 2033-10 | 5301.98 | 174.43 | 5127.54 | 57356.55 |
| 110 | 2033-11 | 5301.98 | 160.12 | 5141.86 | 52214.69 |
| 111 | 2033-12 | 5301.98 | 145.77 | 5156.21 | 47058.48 |
| 112 | 2034-01 | 5301.98 | 131.37 | 5170.60 | 41887.88 |
| 113 | 2034-02 | 5301.98 | 116.94 | 5185.04 | 36702.84 |
| 114 | 2034-03 | 5301.98 | 102.46 | 5199.51 | 31503.33 |
| 115 | 2034-04 | 5301.98 | 87.95 | 5214.03 | 26289.30 |
| 116 | 2034-05 | 5301.98 | 73.39 | 5228.58 | 21060.71 |
| 117 | 2034-06 | 5301.98 | 58.79 | 5243.18 | 15817.53 |
| 118 | 2034-07 | 5301.98 | 44.16 | 5257.82 | 10559.71 |
| 119 | 2034-08 | 5301.98 | 29.48 | 5272.50 | 5287.22 |
| 120 | 2034-09 | 5301.98 | 14.76 | 5287.22 | 0.00 |
方式尓：等额本金还款方式：
贷款总额：54万
还款月数：10年
首月还款：6007.5元
每月递减：12.56元
利息总额：9.12万
本息合计：63.12万
节省利息：5033.36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 | 6007.50 | 1507.50 | 4500.00 | 535500.00 |
| 2 | 2024-11 | 5994.94 | 1494.94 | 4500.00 | 531000.00 |
| 3 | 2024-12 | 5982.38 | 1482.38 | 4500.00 | 526500.00 |
| 4 | 2025-01 | 5969.81 | 1469.81 | 4500.00 | 522000.00 |
| 5 | 2025-02 | 5957.25 | 1457.25 | 4500.00 | 517500.00 |
| 6 | 2025-03 | 5944.69 | 1444.69 | 4500.00 | 513000.00 |
| 7 | 2025-04 | 5932.13 | 1432.13 | 4500.00 | 508500.00 |
| 8 | 2025-05 | 5919.56 | 1419.56 | 4500.00 | 504000.00 |
| 9 | 2025-06 | 5907.00 | 1407.00 | 4500.00 | 499500.00 |
| 10 | 2025-07 | 5894.44 | 1394.44 | 4500.00 | 495000.00 |
| 11 | 2025-08 | 5881.88 | 1381.88 | 4500.00 | 490500.00 |
| 12 | 2025-09 | 5869.31 | 1369.31 | 4500.00 | 486000.00 |
| 13 | 2025-10 | 5856.75 | 1356.75 | 4500.00 | 481500.00 |
| 14 | 2025-11 | 5844.19 | 1344.19 | 4500.00 | 477000.00 |
| 15 | 2025-12 | 5831.63 | 1331.63 | 4500.00 | 472500.00 |
| 16 | 2026-01 | 5819.06 | 1319.06 | 4500.00 | 468000.00 |
| 17 | 2026-02 | 5806.50 | 1306.50 | 4500.00 | 463500.00 |
| 18 | 2026-03 | 5793.94 | 1293.94 | 4500.00 | 459000.00 |
| 19 | 2026-04 | 5781.38 | 1281.38 | 4500.00 | 454500.00 |
| 20 | 2026-05 | 5768.81 | 1268.81 | 4500.00 | 450000.00 |
| 21 | 2026-06 | 5756.25 | 1256.25 | 4500.00 | 445500.00 |
| 22 | 2026-07 | 5743.69 | 1243.69 | 4500.00 | 441000.00 |
| 23 | 2026-08 | 5731.13 | 1231.13 | 4500.00 | 436500.00 |
| 24 | 2026-09 | 5718.56 | 1218.56 | 4500.00 | 432000.00 |
| 25 | 2026-10 | 5706.00 | 1206.00 | 4500.00 | 427500.00 |
| 26 | 2026-11 | 5693.44 | 1193.44 | 4500.00 | 423000.00 |
| 27 | 2026-12 | 5680.88 | 1180.88 | 4500.00 | 418500.00 |
| 28 | 2027-01 | 5668.31 | 1168.31 | 4500.00 | 414000.00 |
| 29 | 2027-02 | 5655.75 | 1155.75 | 4500.00 | 409500.00 |
| 30 | 2027-03 | 5643.19 | 1143.19 | 4500.00 | 405000.00 |
| 31 | 2027-04 | 5630.63 | 1130.63 | 4500.00 | 400500.00 |
| 32 | 2027-05 | 5618.06 | 1118.06 | 4500.00 | 396000.00 |
| 33 | 2027-06 | 5605.50 | 1105.50 | 4500.00 | 391500.00 |
| 34 | 2027-07 | 5592.94 | 1092.94 | 4500.00 | 387000.00 |
| 35 | 2027-08 | 5580.38 | 1080.38 | 4500.00 | 382500.00 |
| 36 | 2027-09 | 5567.81 | 1067.81 | 4500.00 | 378000.00 |
| 37 | 2027-10 | 5555.25 | 1055.25 | 4500.00 | 373500.00 |
| 38 | 2027-11 | 5542.69 | 1042.69 | 4500.00 | 369000.00 |
| 39 | 2027-12 | 5530.13 | 1030.13 | 4500.00 | 364500.00 |
| 40 | 2028-01 | 5517.56 | 1017.56 | 4500.00 | 360000.00 |
| 41 | 2028-02 | 5505.00 | 1005.00 | 4500.00 | 355500.00 |
| 42 | 2028-03 | 5492.44 | 992.44 | 4500.00 | 351000.00 |
| 43 | 2028-04 | 5479.88 | 979.88 | 4500.00 | 346500.00 |
| 44 | 2028-05 | 5467.31 | 967.31 | 4500.00 | 342000.00 |
| 45 | 2028-06 | 5454.75 | 954.75 | 4500.00 | 337500.00 |
| 46 | 2028-07 | 5442.19 | 942.19 | 4500.00 | 333000.00 |
| 47 | 2028-08 | 5429.63 | 929.63 | 4500.00 | 328500.00 |
| 48 | 2028-09 | 5417.06 | 917.06 | 4500.00 | 324000.00 |
| 49 | 2028-10 | 5404.50 | 904.50 | 4500.00 | 319500.00 |
| 50 | 2028-11 | 5391.94 | 891.94 | 4500.00 | 315000.00 |
| 51 | 2028-12 | 5379.38 | 879.38 | 4500.00 | 310500.00 |
| 52 | 2029-01 | 5366.81 | 866.81 | 4500.00 | 306000.00 |
| 53 | 2029-02 | 5354.25 | 854.25 | 4500.00 | 301500.00 |
| 54 | 2029-03 | 5341.69 | 841.69 | 4500.00 | 297000.00 |
| 55 | 2029-04 | 5329.13 | 829.13 | 4500.00 | 292500.00 |
| 56 | 2029-05 | 5316.56 | 816.56 | 4500.00 | 288000.00 |
| 57 | 2029-06 | 5304.00 | 804.00 | 4500.00 | 283500.00 |
| 58 | 2029-07 | 5291.44 | 791.44 | 4500.00 | 279000.00 |
| 59 | 2029-08 | 5278.88 | 778.88 | 4500.00 | 274500.00 |
| 60 | 2029-09 | 5266.31 | 766.31 | 4500.00 | 270000.00 |
| 61 | 2029-10 | 5253.75 | 753.75 | 4500.00 | 265500.00 |
| 62 | 2029-11 | 5241.19 | 741.19 | 4500.00 | 261000.00 |
| 63 | 2029-12 | 5228.63 | 728.63 | 4500.00 | 256500.00 |
| 64 | 2030-01 | 5216.06 | 716.06 | 4500.00 | 252000.00 |
| 65 | 2030-02 | 5203.50 | 703.50 | 4500.00 | 247500.00 |
| 66 | 2030-03 | 5190.94 | 690.94 | 4500.00 | 243000.00 |
| 67 | 2030-04 | 5178.38 | 678.38 | 4500.00 | 238500.00 |
| 68 | 2030-05 | 5165.81 | 665.81 | 4500.00 | 234000.00 |
| 69 | 2030-06 | 5153.25 | 653.25 | 4500.00 | 229500.00 |
| 70 | 2030-07 | 5140.69 | 640.69 | 4500.00 | 225000.00 |
| 71 | 2030-08 | 5128.13 | 628.13 | 4500.00 | 220500.00 |
| 72 | 2030-09 | 5115.56 | 615.56 | 4500.00 | 216000.00 |
| 73 | 2030-10 | 5103.00 | 603.00 | 4500.00 | 211500.00 |
| 74 | 2030-11 | 5090.44 | 590.44 | 4500.00 | 207000.00 |
| 75 | 2030-12 | 5077.88 | 577.88 | 4500.00 | 202500.00 |
| 76 | 2031-01 | 5065.31 | 565.31 | 4500.00 | 198000.00 |
| 77 | 2031-02 | 5052.75 | 552.75 | 4500.00 | 193500.00 |
| 78 | 2031-03 | 5040.19 | 540.19 | 4500.00 | 189000.00 |
| 79 | 2031-04 | 5027.63 | 527.63 | 4500.00 | 184500.00 |
| 80 | 2031-05 | 5015.06 | 515.06 | 4500.00 | 180000.00 |
| 81 | 2031-06 | 5002.50 | 502.50 | 4500.00 | 175500.00 |
| 82 | 2031-07 | 4989.94 | 489.94 | 4500.00 | 171000.00 |
| 83 | 2031-08 | 4977.38 | 477.38 | 4500.00 | 166500.00 |
| 84 | 2031-09 | 4964.81 | 464.81 | 4500.00 | 162000.00 |
| 85 | 2031-10 | 4952.25 | 452.25 | 4500.00 | 157500.00 |
| 86 | 2031-11 | 4939.69 | 439.69 | 4500.00 | 153000.00 |
| 87 | 2031-12 | 4927.13 | 427.13 | 4500.00 | 148500.00 |
| 88 | 2032-01 | 4914.56 | 414.56 | 4500.00 | 144000.00 |
| 89 | 2032-02 | 4902.00 | 402.00 | 4500.00 | 139500.00 |
| 90 | 2032-03 | 4889.44 | 389.44 | 4500.00 | 135000.00 |
| 91 | 2032-04 | 4876.88 | 376.88 | 4500.00 | 130500.00 |
| 92 | 2032-05 | 4864.31 | 364.31 | 4500.00 | 126000.00 |
| 93 | 2032-06 | 4851.75 | 351.75 | 4500.00 | 121500.00 |
| 94 | 2032-07 | 4839.19 | 339.19 | 4500.00 | 117000.00 |
| 95 | 2032-08 | 4826.63 | 326.63 | 4500.00 | 112500.00 |
| 96 | 2032-09 | 4814.06 | 314.06 | 4500.00 | 108000.00 |
| 97 | 2032-10 | 4801.50 | 301.50 | 4500.00 | 103500.00 |
| 98 | 2032-11 | 4788.94 | 288.94 | 4500.00 | 99000.00 |
| 99 | 2032-12 | 4776.38 | 276.38 | 4500.00 | 94500.00 |
| 100 | 2033-01 | 4763.81 | 263.81 | 4500.00 | 90000.00 |
| 101 | 2033-02 | 4751.25 | 251.25 | 4500.00 | 85500.00 |
| 102 | 2033-03 | 4738.69 | 238.69 | 4500.00 | 81000.00 |
| 103 | 2033-04 | 4726.13 | 226.13 | 4500.00 | 76500.00 |
| 104 | 2033-05 | 4713.56 | 213.56 | 4500.00 | 72000.00 |
| 105 | 2033-06 | 4701.00 | 201.00 | 4500.00 | 67500.00 |
| 106 | 2033-07 | 4688.44 | 188.44 | 4500.00 | 63000.00 |
| 107 | 2033-08 | 4675.88 | 175.88 | 4500.00 | 58500.00 |
| 108 | 2033-09 | 4663.31 | 163.31 | 4500.00 | 54000.00 |
| 109 | 2033-10 | 4650.75 | 150.75 | 4500.00 | 49500.00 |
| 110 | 2033-11 | 4638.19 | 138.19 | 4500.00 | 45000.00 |
| 111 | 2033-12 | 4625.63 | 125.63 | 4500.00 | 40500.00 |
| 112 | 2034-01 | 4613.06 | 113.06 | 4500.00 | 36000.00 |
| 113 | 2034-02 | 4600.50 | 100.50 | 4500.00 | 31500.00 |
| 114 | 2034-03 | 4587.94 | 87.94 | 4500.00 | 27000.00 |
| 115 | 2034-04 | 4575.38 | 75.38 | 4500.00 | 22500.00 |
| 116 | 2034-05 | 4562.81 | 62.81 | 4500.00 | 18000.00 |
| 117 | 2034-06 | 4550.25 | 50.25 | 4500.00 | 13500.00 |
| 118 | 2034-07 | 4537.69 | 37.69 | 4500.00 | 9000.00 |
| 119 | 2034-08 | 4525.13 | 25.13 | 4500.00 | 4500.00 |
| 120 | 2034-09 | 4512.56 | 12.56 | 4500.00 | 0.00 |
友情链接:
广告合作商务QQ: 81849964
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。
2025年12月04日最新贷款计算器计算最新房贷基准利率，房贷利率表，提供贷款、商业贷款、公积金买房、个人按揭月供购房等银行房贷利率计算公式在线使用，2025年12月04日年最好用的房贷计算器,房贷利息计算专家。