房贷计算器
首页> 房产资讯 > 31.64万房贷（商业贷款）28年等额本息和等额本金一年要还多少？_28年年利息是多少？_28年本金是多少？

31.64万房贷（商业贷款）28年等额本息和等额本金一年要还多少？_28年年利息是多少？_28年本金是多少？

解析：

贷款31.64万（商业贷款）的房贷，还款28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：31.64万

还款月数：28年

每月还款：1495.93元

利息总额：18.62万

本息合计：50.26万

期次 还款日期 每月还款 偿还利息 偿还本金 剩余本金
12024-101495.93949.17546.76315842.24
22024-111495.93947.53548.40315293.84
32024-121495.93945.88550.05314743.79
42025-011495.93944.23551.70314192.10
52025-021495.93942.58553.35313638.75
62025-031495.93940.92555.01313083.74
72025-041495.93939.25556.68312527.06
82025-051495.93937.58558.35311968.71
92025-061495.93935.91560.02311408.69
102025-071495.93934.23561.70310846.99
112025-081495.93932.54563.39310283.60
122025-091495.93930.85565.08309718.53
132025-101495.93929.16566.77309151.76
142025-111495.93927.46568.47308583.28
152025-121495.93925.75570.18308013.11
162026-011495.93924.04571.89307441.22
172026-021495.93922.32573.60306867.61
182026-031495.93920.60575.32306292.29
192026-041495.93918.88577.05305715.24
202026-051495.93917.15578.78305136.46
212026-061495.93915.41580.52304555.94
222026-071495.93913.67582.26303973.68
232026-081495.93911.92584.01303389.67
242026-091495.93910.17585.76302803.92
252026-101495.93908.41587.52302216.40
262026-111495.93906.65589.28301627.12
272026-121495.93904.88591.05301036.08
282027-011495.93903.11592.82300443.26
292027-021495.93901.33594.60299848.66
302027-031495.93899.55596.38299252.28
312027-041495.93897.76598.17298654.11
322027-051495.93895.96599.97298054.14
332027-061495.93894.16601.76297452.38
342027-071495.93892.36603.57296848.81
352027-081495.93890.55605.38296243.43
362027-091495.93888.73607.20295636.23
372027-101495.93886.91609.02295027.21
382027-111495.93885.08610.85294416.37
392027-121495.93883.25612.68293803.69
402028-011495.93881.41614.52293189.17
412028-021495.93879.57616.36292572.81
422028-031495.93877.72618.21291954.60
432028-041495.93875.86620.06291334.54
442028-051495.93874.00621.92290712.61
452028-061495.93872.14623.79290088.82
462028-071495.93870.27625.66289463.16
472028-081495.93868.39627.54288835.63
482028-091495.93866.51629.42288206.21
492028-101495.93864.62631.31287574.90
502028-111495.93862.72633.20286941.69
512028-121495.93860.83635.10286306.59
522029-011495.93858.92637.01285669.58
532029-021495.93857.01638.92285030.67
542029-031495.93855.09640.84284389.83
552029-041495.93853.17642.76283747.07
562029-051495.93851.24644.69283102.39
572029-061495.93849.31646.62282455.77
582029-071495.93847.37648.56281807.21
592029-081495.93845.42650.51281156.70
602029-091495.93843.47652.46280504.24
612029-101495.93841.51654.41279849.83
622029-111495.93839.55656.38279193.45
632029-121495.93837.58658.35278535.10
642030-011495.93835.61660.32277874.78
652030-021495.93833.62662.30277212.48
662030-031495.93831.64664.29276548.19
672030-041495.93829.64666.28275881.91
682030-051495.93827.65668.28275213.62
692030-061495.93825.64670.29274543.34
702030-071495.93823.63672.30273871.04
712030-081495.93821.61674.31273196.73
722030-091495.93819.59676.34272520.39
732030-101495.93817.56678.37271842.02
742030-111495.93815.53680.40271161.62
752030-121495.93813.48682.44270479.18
762031-011495.93811.44684.49269794.69
772031-021495.93809.38686.54269108.15
782031-031495.93807.32688.60268419.54
792031-041495.93805.26690.67267728.88
802031-051495.93803.19692.74267036.13
812031-061495.93801.11694.82266341.32
822031-071495.93799.02696.90265644.41
832031-081495.93796.93698.99264945.42
842031-091495.93794.84701.09264244.33
852031-101495.93792.73703.19263541.13
862031-111495.93790.62705.30262835.83
872031-121495.93788.51707.42262128.41
882032-011495.93786.39709.54261418.87
892032-021495.93784.26711.67260707.20
902032-031495.93782.12713.81259993.39
912032-041495.93779.98715.95259277.44
922032-051495.93777.83718.10258559.35
932032-061495.93775.68720.25257839.10
942032-071495.93773.52722.41257116.69
952032-081495.93771.35724.58256392.11
962032-091495.93769.18726.75255665.36
972032-101495.93767.00728.93254936.43
982032-111495.93764.81731.12254205.31
992032-121495.93762.62733.31253472.00
1002033-011495.93760.42735.51252736.49
1012033-021495.93758.21737.72251998.77
1022033-031495.93756.00739.93251258.84
1032033-041495.93753.78742.15250516.69
1042033-051495.93751.55744.38249772.31
1052033-061495.93749.32746.61249025.70
1062033-071495.93747.08748.85248276.85
1072033-081495.93744.83751.10247525.75
1082033-091495.93742.58753.35246772.40
1092033-101495.93740.32755.61246016.79
1102033-111495.93738.05757.88245258.92
1112033-121495.93735.78760.15244498.77
1122034-011495.93733.50762.43243736.33
1132034-021495.93731.21764.72242971.62
1142034-031495.93728.91767.01242204.60
1152034-041495.93726.61769.31241435.29
1162034-051495.93724.31771.62240663.67
1172034-061495.93721.99773.94239889.73
1182034-071495.93719.67776.26239113.47
1192034-081495.93717.34778.59238334.89
1202034-091495.93715.00780.92237553.97
1212034-101495.93712.66783.27236770.70
1222034-111495.93710.31785.62235985.08
1232034-121495.93707.96787.97235197.11
1242035-011495.93705.59790.34234406.78
1252035-021495.93703.22792.71233614.07
1262035-031495.93700.84795.09232818.98
1272035-041495.93698.46797.47232021.51
1282035-051495.93696.06799.86231221.65
1292035-061495.93693.66802.26230419.39
1302035-071495.93691.26804.67229614.72
1312035-081495.93688.84807.08228807.64
1322035-091495.93686.42809.50227998.13
1332035-101495.93683.99811.93227186.20
1342035-111495.93681.56814.37226371.83
1352035-121495.93679.12816.81225555.02
1362036-011495.93676.67819.26224735.76
1372036-021495.93674.21821.72223914.04
1382036-031495.93671.74824.19223089.85
1392036-041495.93669.27826.66222263.19
1402036-051495.93666.79829.14221434.06
1412036-061495.93664.30831.63220602.43
1422036-071495.93661.81834.12219768.31
1432036-081495.93659.30836.62218931.69
1442036-091495.93656.80839.13218092.56
1452036-101495.93654.28841.65217250.91
1462036-111495.93651.75844.17216406.73
1472036-121495.93649.22846.71215560.02
1482037-011495.93646.68849.25214710.78
1492037-021495.93644.13851.80213858.98
1502037-031495.93641.58854.35213004.63
1512037-041495.93639.01856.91212147.72
1522037-051495.93636.44859.48211288.23
1532037-061495.93633.86862.06210426.17
1542037-071495.93631.28864.65209561.52
1552037-081495.93628.68867.24208694.28
1562037-091495.93626.08869.84207824.43
1572037-101495.93623.47872.45206951.98
1582037-111495.93620.86875.07206076.91
1592037-121495.93618.23877.70205199.21
1602038-011495.93615.60880.33204318.88
1612038-021495.93612.96882.97203435.91
1622038-031495.93610.31885.62202550.29
1632038-041495.93607.65888.28201662.02
1642038-051495.93604.99890.94200771.07
1652038-061495.93602.31893.61199877.46
1662038-071495.93599.63896.29198981.17
1672038-081495.93596.94898.98198082.18
1682038-091495.93594.25901.68197180.50
1692038-101495.93591.54904.39196276.12
1702038-111495.93588.83907.10195369.02
1712038-121495.93586.11909.82194459.20
1722039-011495.93583.38912.55193546.65
1732039-021495.93580.64915.29192631.36
1742039-031495.93577.89918.03191713.33
1752039-041495.93575.14920.79190792.54
1762039-051495.93572.38923.55189868.99
1772039-061495.93569.61926.32188942.67
1782039-071495.93566.83929.10188013.57
1792039-081495.93564.04931.89187081.68
1802039-091495.93561.25934.68186147.00
1812039-101495.93558.44937.49185209.51
1822039-111495.93555.63940.30184269.21
1832039-121495.93552.81943.12183326.10
1842040-011495.93549.98945.95182380.15
1852040-021495.93547.14948.79181431.36
1862040-031495.93544.29951.63180479.73
1872040-041495.93541.44954.49179525.24
1882040-051495.93538.58957.35178567.89
1892040-061495.93535.70960.22177607.66
1902040-071495.93532.82963.10176644.56
1912040-081495.93529.93965.99175678.56
1922040-091495.93527.04968.89174709.67
1932040-101495.93524.13971.80173737.87
1942040-111495.93521.21974.71172763.16
1952040-121495.93518.29977.64171785.52
1962041-011495.93515.36980.57170804.95
1972041-021495.93512.41983.51169821.44
1982041-031495.93509.46986.46168834.98
1992041-041495.93506.50989.42167845.55
2002041-051495.93503.54992.39166853.16
2012041-061495.93500.56995.37165857.80
2022041-071495.93497.57998.35164859.44
2032041-081495.93494.581001.35163858.09
2042041-091495.93491.571004.35162853.74
2052041-101495.93488.561007.37161846.37
2062041-111495.93485.541010.39160835.99
2072041-121495.93482.511013.42159822.57
2082042-011495.93479.471016.46158806.11
2092042-021495.93476.421019.51157786.60
2102042-031495.93473.361022.57156764.03
2112042-041495.93470.291025.64155738.39
2122042-051495.93467.221028.71154709.68
2132042-061495.93464.131031.80153677.88
2142042-071495.93461.031034.89152642.99
2152042-081495.93457.931038.00151604.99
2162042-091495.93454.811041.11150563.88
2172042-101495.93451.691044.24149519.64
2182042-111495.93448.561047.37148472.28
2192042-121495.93445.421050.51147421.76
2202043-011495.93442.271053.66146368.10
2212043-021495.93439.101056.82145311.28
2222043-031495.93435.931059.99144251.29
2232043-041495.93432.751063.17143188.11
2242043-051495.93429.561066.36142121.75
2252043-061495.93426.371069.56141052.19
2262043-071495.93423.161072.77139979.42
2272043-081495.93419.941075.99138903.43
2282043-091495.93416.711079.22137824.21
2292043-101495.93413.471082.45136741.76
2302043-111495.93410.231085.70135656.05
2312043-121495.93406.971088.96134567.09
2322044-011495.93403.701092.23133474.87
2332044-021495.93400.421095.50132379.37
2342044-031495.93397.141098.79131280.58
2352044-041495.93393.841102.09130178.49
2362044-051495.93390.541105.39129073.10
2372044-061495.93387.221108.71127964.39
2382044-071495.93383.891112.03126852.36
2392044-081495.93380.561115.37125736.99
2402044-091495.93377.211118.72124618.27
2412044-101495.93373.851122.07123496.20
2422044-111495.93370.491125.44122370.76
2432044-121495.93367.111128.82121241.94
2442045-011495.93363.731132.20120109.74
2452045-021495.93360.331135.60118974.14
2462045-031495.93356.921139.00117835.14
2472045-041495.93353.511142.42116692.72
2482045-051495.93350.081145.85115546.87
2492045-061495.93346.641149.29114397.58
2502045-071495.93343.191152.73113244.85
2512045-081495.93339.731156.19112088.65
2522045-091495.93336.271159.66110928.99
2532045-101495.93332.791163.14109765.85
2542045-111495.93329.301166.63108599.22
2552045-121495.93325.801170.13107429.09
2562046-011495.93322.291173.64106255.45
2572046-021495.93318.771177.16105078.29
2582046-031495.93315.231180.69103897.60
2592046-041495.93311.691184.23102713.37
2602046-051495.93308.141187.79101525.58
2612046-061495.93304.581191.35100334.23
2622046-071495.93301.001194.9299139.30
2632046-081495.93297.421198.5197940.79
2642046-091495.93293.821202.1096738.69
2652046-101495.93290.221205.7195532.98
2662046-111495.93286.601209.3394323.65
2672046-121495.93282.971212.9693110.69
2682047-011495.93279.331216.6091894.10
2692047-021495.93275.681220.2590673.85
2702047-031495.93272.021223.9189449.95
2712047-041495.93268.351227.5888222.37
2722047-051495.93264.671231.2686991.11
2732047-061495.93260.971234.9585756.15
2742047-071495.93257.271238.6684517.50
2752047-081495.93253.551242.3783275.12
2762047-091495.93249.831246.1082029.02
2772047-101495.93246.091249.8480779.18
2782047-111495.93242.341253.5979525.59
2792047-121495.93238.581257.3578268.24
2802048-011495.93234.801261.1277007.12
2812048-021495.93231.021264.9175742.21
2822048-031495.93227.231268.7074473.51
2832048-041495.93223.421272.5173201.00
2842048-051495.93219.601276.3271924.68
2852048-061495.93215.771280.1570644.52
2862048-071495.93211.931283.9969360.53
2872048-081495.93208.081287.8568072.68
2882048-091495.93204.221291.7166780.98
2892048-101495.93200.341295.5865485.39
2902048-111495.93196.461299.4764185.92
2912048-121495.93192.561303.3762882.55
2922049-011495.93188.651307.2861575.27
2932049-021495.93184.731311.2060264.07
2942049-031495.93180.791315.1458948.93
2952049-041495.93176.851319.0857629.85
2962049-051495.93172.891323.0456306.82
2972049-061495.93168.921327.0154979.81
2982049-071495.93164.941330.9953648.82
2992049-081495.93160.951334.9852313.84
3002049-091495.93156.941338.9950974.85
3012049-101495.93152.921343.0049631.85
3022049-111495.93148.901347.0348284.82
3032049-121495.93144.851351.0746933.75
3042050-011495.93140.801355.1345578.62
3052050-021495.93136.741359.1944219.43
3062050-031495.93132.661363.2742856.16
3072050-041495.93128.571367.3641488.80
3082050-051495.93124.471371.4640117.34
3092050-061495.93120.351375.5838741.77
3102050-071495.93116.231379.7037362.06
3112050-081495.93112.091383.8435978.22
3122050-091495.93107.931387.9934590.23
3132050-101495.93103.771392.1633198.07
3142050-111495.9399.591396.3331801.74
3152050-121495.9395.411400.5230401.22
3162051-011495.9391.201404.7228996.49
3172051-021495.9386.991408.9427587.56
3182051-031495.9382.761413.1626174.39
3192051-041495.9378.521417.4024756.99
3202051-051495.9374.271421.6623335.33
3212051-061495.9370.011425.9221909.41
3222051-071495.9365.731430.2020479.21
3232051-081495.9361.441434.4919044.72
3242051-091495.9357.131438.7917605.93
3252051-101495.9352.821443.1116162.82
3262051-111495.9348.491447.4414715.38
3272051-121495.9344.151451.7813263.60
3282052-011495.9339.791456.1411807.46
3292052-021495.9335.421460.5010346.96
3302052-031495.9331.041464.898882.07
3312052-041495.9326.651469.287412.79
3322052-051495.9322.241473.695939.10
3332052-061495.9317.821478.114460.99
3342052-071495.9313.381482.542978.44
3352052-081495.938.941486.991491.45
3362052-091495.934.471491.450.00

方式尓：等额本金还款方式：

贷款总额：31.64万

还款月数：28年

首月还款：1890.8元

每月递减：2.82元

利息总额：15.99万

本息合计：47.63万

节省利息：26307.95元

期次 还款日期 每月还款 偿还利息 偿还本金 剩余本金
12024-101890.80949.17941.63315447.37
22024-111887.98946.34941.63314505.73
32024-121885.15943.52941.63313564.10
42025-011882.33940.69941.63312622.46
52025-021879.50937.87941.63311680.83
62025-031876.68935.04941.63310739.20
72025-041873.85932.22941.63309797.56
82025-051871.03929.39941.63308855.93
92025-061868.20926.57941.63307914.29
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112025-081862.55920.92941.63306031.03
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192026-041839.95898.32941.63298497.96
202026-051837.13895.49941.63297556.32
212026-061834.30892.67941.63296614.69
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372027-101789.10847.47941.63281548.54
382027-111786.28844.65941.63280606.91
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402028-011780.63839.00941.63278723.64
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442028-051769.33827.70941.63274957.11
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462028-071763.68822.05941.63273073.84
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542029-031741.08799.45941.63265540.77
552029-041738.26796.62941.63264599.13
562029-051735.43793.80941.63263657.50
572029-061732.61790.97941.63262715.87
582029-071729.78788.15941.63261774.23
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622029-111718.48776.85941.63258007.70
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652030-021710.01768.37941.63255182.79
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672030-041704.36762.72941.63253299.53
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692030-061698.71757.07941.63251416.26
702030-071695.88754.25941.63250474.63
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732030-101687.41745.77941.63247649.72
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762031-011678.93737.30941.63244824.82
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792031-041670.46728.82941.63241999.92
802031-051667.63726.00941.63241058.29
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1232034-121546.16604.53941.63200568.03
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1292035-061529.21587.58941.63194918.22
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1332035-101517.91576.28941.63191151.69
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1472036-121478.37536.73941.63177968.81
1482037-011475.54533.91941.63177027.18
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1502037-031469.89528.26941.63175143.91
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1532037-061461.42519.78941.63172319.01
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1552037-081455.77514.13941.63170435.74
1562037-091452.94511.31941.63169494.11
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1632038-041433.17491.53941.63162902.67
1642038-051430.34488.71941.63161961.04
1652038-061427.52485.88941.63161019.40
1662038-071424.69483.06941.63160077.77
1672038-081421.87480.23941.63159136.13
1682038-091419.04477.41941.63158194.50
1692038-101416.22474.58941.63157252.87
1702038-111413.39471.76941.63156311.23
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1722039-011407.74466.11941.63154427.96
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1742039-031402.09460.46941.63152544.70
1752039-041399.27457.63941.63151603.06
1762039-051396.44454.81941.63150661.43
1772039-061393.62451.98941.63149719.79
1782039-071390.79449.16941.63148778.16
1792039-081387.97446.33941.63147836.53
1802039-091385.14443.51941.63146894.89
1812039-101382.32440.68941.63145953.26
1822039-111379.49437.86941.63145011.63
1832039-121376.67435.03941.63144069.99
1842040-011373.84432.21941.63143128.36
1852040-021371.02429.39941.63142186.72
1862040-031368.19426.56941.63141245.09
1872040-041365.37423.74941.63140303.46
1882040-051362.54420.91941.63139361.82
1892040-061359.72418.09941.63138420.19
1902040-071356.89415.26941.63137478.55
1912040-081354.07412.44941.63136536.92
1922040-091351.24409.61941.63135595.29
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1942040-111345.59403.96941.63133712.02
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2032041-081320.17378.54941.63125237.31
2042041-091317.35375.71941.63124295.68
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2152042-081286.27344.64941.63113937.71
2162042-091283.45341.81941.63112996.07
2172042-101280.62338.99941.63112054.44
2182042-111277.80336.16941.63111112.80
2192042-121274.97333.34941.63110171.17
2202043-011272.15330.51941.63109229.54
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2242043-051260.85319.21941.63105463.00
2252043-061258.02316.39941.63104521.37
2262043-071255.20313.56941.63103579.73
2272043-081252.37310.74941.63102638.10
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2292043-101246.72305.09941.63100754.83
2302043-111243.90302.26941.6399813.20
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2412044-101212.82271.19941.6389455.22
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2502045-071187.40245.77941.6380980.52
2512045-081184.58242.94941.6380038.88
2522045-091181.75240.12941.6379097.25
2532045-101178.93237.29941.6378155.62
2542045-111176.10234.47941.6377213.98
2552045-121173.28231.64941.6376272.35
2562046-011170.45228.82941.6375330.71
2572046-021167.63225.99941.6374389.08
2582046-031164.80223.17941.6373447.45
2592046-041161.98220.34941.6372505.81
2602046-051159.15217.52941.6371564.18
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2622046-071153.50211.87941.6369680.91
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2652046-101145.03203.39941.6366856.01
2662046-111142.20200.57941.6365914.38
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2752047-081116.78175.14941.6357439.67
2762047-091113.95172.32941.6356498.04
2772047-101111.13169.49941.6355556.40
2782047-111108.30166.67941.6354614.77
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2862048-071085.70144.07941.6347081.70
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3272051-12969.8828.25941.638474.71
3282052-01967.0625.42941.637533.07
3292052-02964.2322.60941.636591.44
3302052-03961.4119.77941.635649.80
3312052-04958.5816.95941.634708.17
3322052-05955.7614.12941.633766.54
3332052-06952.9311.30941.632824.90
3342052-07950.118.47941.631883.27
3352052-08947.285.65941.63941.63
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