解析：
贷款98.7万（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：98.7万
还款月数：10年
每月还款：9667.83元
利息总额：17.31万
本息合计：116.01万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 9667.83 | 2714.25 | 6953.58 | 980046.42 |
| 2 | 2024-12 | 9667.83 | 2695.13 | 6972.71 | 973073.71 |
| 3 | 2025-01 | 9667.83 | 2675.95 | 6991.88 | 966081.83 |
| 4 | 2025-02 | 9667.83 | 2656.73 | 7011.11 | 959070.72 |
| 5 | 2025-03 | 9667.83 | 2637.44 | 7030.39 | 952040.33 |
| 6 | 2025-04 | 9667.83 | 2618.11 | 7049.72 | 944990.61 |
| 7 | 2025-05 | 9667.83 | 2598.72 | 7069.11 | 937921.50 |
| 8 | 2025-06 | 9667.83 | 2579.28 | 7088.55 | 930832.95 |
| 9 | 2025-07 | 9667.83 | 2559.79 | 7108.04 | 923724.90 |
| 10 | 2025-08 | 9667.83 | 2540.24 | 7127.59 | 916597.31 |
| 11 | 2025-09 | 9667.83 | 2520.64 | 7147.19 | 909450.12 |
| 12 | 2025-10 | 9667.83 | 2500.99 | 7166.85 | 902283.27 |
| 13 | 2025-11 | 9667.83 | 2481.28 | 7186.56 | 895096.72 |
| 14 | 2025-12 | 9667.83 | 2461.52 | 7206.32 | 887890.40 |
| 15 | 2026-01 | 9667.83 | 2441.70 | 7226.14 | 880664.27 |
| 16 | 2026-02 | 9667.83 | 2421.83 | 7246.01 | 873418.26 |
| 17 | 2026-03 | 9667.83 | 2401.90 | 7265.93 | 866152.33 |
| 18 | 2026-04 | 9667.83 | 2381.92 | 7285.92 | 858866.41 |
| 19 | 2026-05 | 9667.83 | 2361.88 | 7305.95 | 851560.46 |
| 20 | 2026-06 | 9667.83 | 2341.79 | 7326.04 | 844234.42 |
| 21 | 2026-07 | 9667.83 | 2321.64 | 7346.19 | 836888.23 |
| 22 | 2026-08 | 9667.83 | 2301.44 | 7366.39 | 829521.83 |
| 23 | 2026-09 | 9667.83 | 2281.19 | 7386.65 | 822135.19 |
| 24 | 2026-10 | 9667.83 | 2260.87 | 7406.96 | 814728.22 |
| 25 | 2026-11 | 9667.83 | 2240.50 | 7427.33 | 807300.89 |
| 26 | 2026-12 | 9667.83 | 2220.08 | 7447.76 | 799853.14 |
| 27 | 2027-01 | 9667.83 | 2199.60 | 7468.24 | 792384.90 |
| 28 | 2027-02 | 9667.83 | 2179.06 | 7488.78 | 784896.12 |
| 29 | 2027-03 | 9667.83 | 2158.46 | 7509.37 | 777386.75 |
| 30 | 2027-04 | 9667.83 | 2137.81 | 7530.02 | 769856.73 |
| 31 | 2027-05 | 9667.83 | 2117.11 | 7550.73 | 762306.00 |
| 32 | 2027-06 | 9667.83 | 2096.34 | 7571.49 | 754734.51 |
| 33 | 2027-07 | 9667.83 | 2075.52 | 7592.31 | 747142.20 |
| 34 | 2027-08 | 9667.83 | 2054.64 | 7613.19 | 739529.00 |
| 35 | 2027-09 | 9667.83 | 2033.70 | 7634.13 | 731894.87 |
| 36 | 2027-10 | 9667.83 | 2012.71 | 7655.12 | 724239.75 |
| 37 | 2027-11 | 9667.83 | 1991.66 | 7676.17 | 716563.58 |
| 38 | 2027-12 | 9667.83 | 1970.55 | 7697.28 | 708866.29 |
| 39 | 2028-01 | 9667.83 | 1949.38 | 7718.45 | 701147.84 |
| 40 | 2028-02 | 9667.83 | 1928.16 | 7739.68 | 693408.16 |
| 41 | 2028-03 | 9667.83 | 1906.87 | 7760.96 | 685647.20 |
| 42 | 2028-04 | 9667.83 | 1885.53 | 7782.30 | 677864.90 |
| 43 | 2028-05 | 9667.83 | 1864.13 | 7803.71 | 670061.19 |
| 44 | 2028-06 | 9667.83 | 1842.67 | 7825.17 | 662236.03 |
| 45 | 2028-07 | 9667.83 | 1821.15 | 7846.68 | 654389.34 |
| 46 | 2028-08 | 9667.83 | 1799.57 | 7868.26 | 646521.08 |
| 47 | 2028-09 | 9667.83 | 1777.93 | 7889.90 | 638631.18 |
| 48 | 2028-10 | 9667.83 | 1756.24 | 7911.60 | 630719.58 |
| 49 | 2028-11 | 9667.83 | 1734.48 | 7933.36 | 622786.22 |
| 50 | 2028-12 | 9667.83 | 1712.66 | 7955.17 | 614831.05 |
| 51 | 2029-01 | 9667.83 | 1690.79 | 7977.05 | 606854.00 |
| 52 | 2029-02 | 9667.83 | 1668.85 | 7998.99 | 598855.02 |
| 53 | 2029-03 | 9667.83 | 1646.85 | 8020.98 | 590834.03 |
| 54 | 2029-04 | 9667.83 | 1624.79 | 8043.04 | 582790.99 |
| 55 | 2029-05 | 9667.83 | 1602.68 | 8065.16 | 574725.83 |
| 56 | 2029-06 | 9667.83 | 1580.50 | 8087.34 | 566638.50 |
| 57 | 2029-07 | 9667.83 | 1558.26 | 8109.58 | 558528.92 |
| 58 | 2029-08 | 9667.83 | 1535.95 | 8131.88 | 550397.04 |
| 59 | 2029-09 | 9667.83 | 1513.59 | 8154.24 | 542242.80 |
| 60 | 2029-10 | 9667.83 | 1491.17 | 8176.67 | 534066.13 |
| 61 | 2029-11 | 9667.83 | 1468.68 | 8199.15 | 525866.98 |
| 62 | 2029-12 | 9667.83 | 1446.13 | 8221.70 | 517645.28 |
| 63 | 2030-01 | 9667.83 | 1423.52 | 8244.31 | 509400.97 |
| 64 | 2030-02 | 9667.83 | 1400.85 | 8266.98 | 501133.99 |
| 65 | 2030-03 | 9667.83 | 1378.12 | 8289.72 | 492844.27 |
| 66 | 2030-04 | 9667.83 | 1355.32 | 8312.51 | 484531.76 |
| 67 | 2030-05 | 9667.83 | 1332.46 | 8335.37 | 476196.39 |
| 68 | 2030-06 | 9667.83 | 1309.54 | 8358.29 | 467838.09 |
| 69 | 2030-07 | 9667.83 | 1286.55 | 8381.28 | 459456.81 |
| 70 | 2030-08 | 9667.83 | 1263.51 | 8404.33 | 451052.49 |
| 71 | 2030-09 | 9667.83 | 1240.39 | 8427.44 | 442625.05 |
| 72 | 2030-10 | 9667.83 | 1217.22 | 8450.62 | 434174.43 |
| 73 | 2030-11 | 9667.83 | 1193.98 | 8473.85 | 425700.58 |
| 74 | 2030-12 | 9667.83 | 1170.68 | 8497.16 | 417203.42 |
| 75 | 2031-01 | 9667.83 | 1147.31 | 8520.52 | 408682.90 |
| 76 | 2031-02 | 9667.83 | 1123.88 | 8543.96 | 400138.94 |
| 77 | 2031-03 | 9667.83 | 1100.38 | 8567.45 | 391571.49 |
| 78 | 2031-04 | 9667.83 | 1076.82 | 8591.01 | 382980.47 |
| 79 | 2031-05 | 9667.83 | 1053.20 | 8614.64 | 374365.84 |
| 80 | 2031-06 | 9667.83 | 1029.51 | 8638.33 | 365727.51 |
| 81 | 2031-07 | 9667.83 | 1005.75 | 8662.08 | 357065.43 |
| 82 | 2031-08 | 9667.83 | 981.93 | 8685.90 | 348379.52 |
| 83 | 2031-09 | 9667.83 | 958.04 | 8709.79 | 339669.73 |
| 84 | 2031-10 | 9667.83 | 934.09 | 8733.74 | 330935.99 |
| 85 | 2031-11 | 9667.83 | 910.07 | 8757.76 | 322178.23 |
| 86 | 2031-12 | 9667.83 | 885.99 | 8781.84 | 313396.38 |
| 87 | 2032-01 | 9667.83 | 861.84 | 8805.99 | 304590.39 |
| 88 | 2032-02 | 9667.83 | 837.62 | 8830.21 | 295760.18 |
| 89 | 2032-03 | 9667.83 | 813.34 | 8854.49 | 286905.69 |
| 90 | 2032-04 | 9667.83 | 788.99 | 8878.84 | 278026.84 |
| 91 | 2032-05 | 9667.83 | 764.57 | 8903.26 | 269123.58 |
| 92 | 2032-06 | 9667.83 | 740.09 | 8927.74 | 260195.84 |
| 93 | 2032-07 | 9667.83 | 715.54 | 8952.30 | 251243.54 |
| 94 | 2032-08 | 9667.83 | 690.92 | 8976.91 | 242266.63 |
| 95 | 2032-09 | 9667.83 | 666.23 | 9001.60 | 233265.03 |
| 96 | 2032-10 | 9667.83 | 641.48 | 9026.36 | 224238.67 |
| 97 | 2032-11 | 9667.83 | 616.66 | 9051.18 | 215187.50 |
| 98 | 2032-12 | 9667.83 | 591.77 | 9076.07 | 206111.43 |
| 99 | 2033-01 | 9667.83 | 566.81 | 9101.03 | 197010.40 |
| 100 | 2033-02 | 9667.83 | 541.78 | 9126.06 | 187884.34 |
| 101 | 2033-03 | 9667.83 | 516.68 | 9151.15 | 178733.19 |
| 102 | 2033-04 | 9667.83 | 491.52 | 9176.32 | 169556.87 |
| 103 | 2033-05 | 9667.83 | 466.28 | 9201.55 | 160355.32 |
| 104 | 2033-06 | 9667.83 | 440.98 | 9226.86 | 151128.46 |
| 105 | 2033-07 | 9667.83 | 415.60 | 9252.23 | 141876.23 |
| 106 | 2033-08 | 9667.83 | 390.16 | 9277.67 | 132598.56 |
| 107 | 2033-09 | 9667.83 | 364.65 | 9303.19 | 123295.37 |
| 108 | 2033-10 | 9667.83 | 339.06 | 9328.77 | 113966.60 |
| 109 | 2033-11 | 9667.83 | 313.41 | 9354.43 | 104612.17 |
| 110 | 2033-12 | 9667.83 | 287.68 | 9380.15 | 95232.02 |
| 111 | 2034-01 | 9667.83 | 261.89 | 9405.95 | 85826.08 |
| 112 | 2034-02 | 9667.83 | 236.02 | 9431.81 | 76394.26 |
| 113 | 2034-03 | 9667.83 | 210.08 | 9457.75 | 66936.51 |
| 114 | 2034-04 | 9667.83 | 184.08 | 9483.76 | 57452.76 |
| 115 | 2034-05 | 9667.83 | 158.00 | 9509.84 | 47942.92 |
| 116 | 2034-06 | 9667.83 | 131.84 | 9535.99 | 38406.93 |
| 117 | 2034-07 | 9667.83 | 105.62 | 9562.22 | 28844.71 |
| 118 | 2034-08 | 9667.83 | 79.32 | 9588.51 | 19256.20 |
| 119 | 2034-09 | 9667.83 | 52.95 | 9614.88 | 9641.32 |
| 120 | 2034-10 | 9667.83 | 26.51 | 9641.32 | 0.00 |
方式尓：等额本金还款方式：
贷款总额：98.7万
还款月数：10年
首月还款：10939.25元
每月递减：22.62元
利息总额：16.42万
本息合计：115.12万
节省利息：8927.96元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 10939.25 | 2714.25 | 8225.00 | 978775.00 |
| 2 | 2024-12 | 10916.63 | 2691.63 | 8225.00 | 970550.00 |
| 3 | 2025-01 | 10894.01 | 2669.01 | 8225.00 | 962325.00 |
| 4 | 2025-02 | 10871.39 | 2646.39 | 8225.00 | 954100.00 |
| 5 | 2025-03 | 10848.77 | 2623.78 | 8225.00 | 945875.00 |
| 6 | 2025-04 | 10826.16 | 2601.16 | 8225.00 | 937650.00 |
| 7 | 2025-05 | 10803.54 | 2578.54 | 8225.00 | 929425.00 |
| 8 | 2025-06 | 10780.92 | 2555.92 | 8225.00 | 921200.00 |
| 9 | 2025-07 | 10758.30 | 2533.30 | 8225.00 | 912975.00 |
| 10 | 2025-08 | 10735.68 | 2510.68 | 8225.00 | 904750.00 |
| 11 | 2025-09 | 10713.06 | 2488.06 | 8225.00 | 896525.00 |
| 12 | 2025-10 | 10690.44 | 2465.44 | 8225.00 | 888300.00 |
| 13 | 2025-11 | 10667.83 | 2442.83 | 8225.00 | 880075.00 |
| 14 | 2025-12 | 10645.21 | 2420.21 | 8225.00 | 871850.00 |
| 15 | 2026-01 | 10622.59 | 2397.59 | 8225.00 | 863625.00 |
| 16 | 2026-02 | 10599.97 | 2374.97 | 8225.00 | 855400.00 |
| 17 | 2026-03 | 10577.35 | 2352.35 | 8225.00 | 847175.00 |
| 18 | 2026-04 | 10554.73 | 2329.73 | 8225.00 | 838950.00 |
| 19 | 2026-05 | 10532.11 | 2307.11 | 8225.00 | 830725.00 |
| 20 | 2026-06 | 10509.49 | 2284.49 | 8225.00 | 822500.00 |
| 21 | 2026-07 | 10486.88 | 2261.88 | 8225.00 | 814275.00 |
| 22 | 2026-08 | 10464.26 | 2239.26 | 8225.00 | 806050.00 |
| 23 | 2026-09 | 10441.64 | 2216.64 | 8225.00 | 797825.00 |
| 24 | 2026-10 | 10419.02 | 2194.02 | 8225.00 | 789600.00 |
| 25 | 2026-11 | 10396.40 | 2171.40 | 8225.00 | 781375.00 |
| 26 | 2026-12 | 10373.78 | 2148.78 | 8225.00 | 773150.00 |
| 27 | 2027-01 | 10351.16 | 2126.16 | 8225.00 | 764925.00 |
| 28 | 2027-02 | 10328.54 | 2103.54 | 8225.00 | 756700.00 |
| 29 | 2027-03 | 10305.92 | 2080.93 | 8225.00 | 748475.00 |
| 30 | 2027-04 | 10283.31 | 2058.31 | 8225.00 | 740250.00 |
| 31 | 2027-05 | 10260.69 | 2035.69 | 8225.00 | 732025.00 |
| 32 | 2027-06 | 10238.07 | 2013.07 | 8225.00 | 723800.00 |
| 33 | 2027-07 | 10215.45 | 1990.45 | 8225.00 | 715575.00 |
| 34 | 2027-08 | 10192.83 | 1967.83 | 8225.00 | 707350.00 |
| 35 | 2027-09 | 10170.21 | 1945.21 | 8225.00 | 699125.00 |
| 36 | 2027-10 | 10147.59 | 1922.59 | 8225.00 | 690900.00 |
| 37 | 2027-11 | 10124.98 | 1899.98 | 8225.00 | 682675.00 |
| 38 | 2027-12 | 10102.36 | 1877.36 | 8225.00 | 674450.00 |
| 39 | 2028-01 | 10079.74 | 1854.74 | 8225.00 | 666225.00 |
| 40 | 2028-02 | 10057.12 | 1832.12 | 8225.00 | 658000.00 |
| 41 | 2028-03 | 10034.50 | 1809.50 | 8225.00 | 649775.00 |
| 42 | 2028-04 | 10011.88 | 1786.88 | 8225.00 | 641550.00 |
| 43 | 2028-05 | 9989.26 | 1764.26 | 8225.00 | 633325.00 |
| 44 | 2028-06 | 9966.64 | 1741.64 | 8225.00 | 625100.00 |
| 45 | 2028-07 | 9944.02 | 1719.03 | 8225.00 | 616875.00 |
| 46 | 2028-08 | 9921.41 | 1696.41 | 8225.00 | 608650.00 |
| 47 | 2028-09 | 9898.79 | 1673.79 | 8225.00 | 600425.00 |
| 48 | 2028-10 | 9876.17 | 1651.17 | 8225.00 | 592200.00 |
| 49 | 2028-11 | 9853.55 | 1628.55 | 8225.00 | 583975.00 |
| 50 | 2028-12 | 9830.93 | 1605.93 | 8225.00 | 575750.00 |
| 51 | 2029-01 | 9808.31 | 1583.31 | 8225.00 | 567525.00 |
| 52 | 2029-02 | 9785.69 | 1560.69 | 8225.00 | 559300.00 |
| 53 | 2029-03 | 9763.08 | 1538.08 | 8225.00 | 551075.00 |
| 54 | 2029-04 | 9740.46 | 1515.46 | 8225.00 | 542850.00 |
| 55 | 2029-05 | 9717.84 | 1492.84 | 8225.00 | 534625.00 |
| 56 | 2029-06 | 9695.22 | 1470.22 | 8225.00 | 526400.00 |
| 57 | 2029-07 | 9672.60 | 1447.60 | 8225.00 | 518175.00 |
| 58 | 2029-08 | 9649.98 | 1424.98 | 8225.00 | 509950.00 |
| 59 | 2029-09 | 9627.36 | 1402.36 | 8225.00 | 501725.00 |
| 60 | 2029-10 | 9604.74 | 1379.74 | 8225.00 | 493500.00 |
| 61 | 2029-11 | 9582.13 | 1357.13 | 8225.00 | 485275.00 |
| 62 | 2029-12 | 9559.51 | 1334.51 | 8225.00 | 477050.00 |
| 63 | 2030-01 | 9536.89 | 1311.89 | 8225.00 | 468825.00 |
| 64 | 2030-02 | 9514.27 | 1289.27 | 8225.00 | 460600.00 |
| 65 | 2030-03 | 9491.65 | 1266.65 | 8225.00 | 452375.00 |
| 66 | 2030-04 | 9469.03 | 1244.03 | 8225.00 | 444150.00 |
| 67 | 2030-05 | 9446.41 | 1221.41 | 8225.00 | 435925.00 |
| 68 | 2030-06 | 9423.79 | 1198.79 | 8225.00 | 427700.00 |
| 69 | 2030-07 | 9401.17 | 1176.18 | 8225.00 | 419475.00 |
| 70 | 2030-08 | 9378.56 | 1153.56 | 8225.00 | 411250.00 |
| 71 | 2030-09 | 9355.94 | 1130.94 | 8225.00 | 403025.00 |
| 72 | 2030-10 | 9333.32 | 1108.32 | 8225.00 | 394800.00 |
| 73 | 2030-11 | 9310.70 | 1085.70 | 8225.00 | 386575.00 |
| 74 | 2030-12 | 9288.08 | 1063.08 | 8225.00 | 378350.00 |
| 75 | 2031-01 | 9265.46 | 1040.46 | 8225.00 | 370125.00 |
| 76 | 2031-02 | 9242.84 | 1017.84 | 8225.00 | 361900.00 |
| 77 | 2031-03 | 9220.23 | 995.23 | 8225.00 | 353675.00 |
| 78 | 2031-04 | 9197.61 | 972.61 | 8225.00 | 345450.00 |
| 79 | 2031-05 | 9174.99 | 949.99 | 8225.00 | 337225.00 |
| 80 | 2031-06 | 9152.37 | 927.37 | 8225.00 | 329000.00 |
| 81 | 2031-07 | 9129.75 | 904.75 | 8225.00 | 320775.00 |
| 82 | 2031-08 | 9107.13 | 882.13 | 8225.00 | 312550.00 |
| 83 | 2031-09 | 9084.51 | 859.51 | 8225.00 | 304325.00 |
| 84 | 2031-10 | 9061.89 | 836.89 | 8225.00 | 296100.00 |
| 85 | 2031-11 | 9039.27 | 814.28 | 8225.00 | 287875.00 |
| 86 | 2031-12 | 9016.66 | 791.66 | 8225.00 | 279650.00 |
| 87 | 2032-01 | 8994.04 | 769.04 | 8225.00 | 271425.00 |
| 88 | 2032-02 | 8971.42 | 746.42 | 8225.00 | 263200.00 |
| 89 | 2032-03 | 8948.80 | 723.80 | 8225.00 | 254975.00 |
| 90 | 2032-04 | 8926.18 | 701.18 | 8225.00 | 246750.00 |
| 91 | 2032-05 | 8903.56 | 678.56 | 8225.00 | 238525.00 |
| 92 | 2032-06 | 8880.94 | 655.94 | 8225.00 | 230300.00 |
| 93 | 2032-07 | 8858.33 | 633.33 | 8225.00 | 222075.00 |
| 94 | 2032-08 | 8835.71 | 610.71 | 8225.00 | 213850.00 |
| 95 | 2032-09 | 8813.09 | 588.09 | 8225.00 | 205625.00 |
| 96 | 2032-10 | 8790.47 | 565.47 | 8225.00 | 197400.00 |
| 97 | 2032-11 | 8767.85 | 542.85 | 8225.00 | 189175.00 |
| 98 | 2032-12 | 8745.23 | 520.23 | 8225.00 | 180950.00 |
| 99 | 2033-01 | 8722.61 | 497.61 | 8225.00 | 172725.00 |
| 100 | 2033-02 | 8699.99 | 474.99 | 8225.00 | 164500.00 |
| 101 | 2033-03 | 8677.38 | 452.38 | 8225.00 | 156275.00 |
| 102 | 2033-04 | 8654.76 | 429.76 | 8225.00 | 148050.00 |
| 103 | 2033-05 | 8632.14 | 407.14 | 8225.00 | 139825.00 |
| 104 | 2033-06 | 8609.52 | 384.52 | 8225.00 | 131600.00 |
| 105 | 2033-07 | 8586.90 | 361.90 | 8225.00 | 123375.00 |
| 106 | 2033-08 | 8564.28 | 339.28 | 8225.00 | 115150.00 |
| 107 | 2033-09 | 8541.66 | 316.66 | 8225.00 | 106925.00 |
| 108 | 2033-10 | 8519.04 | 294.04 | 8225.00 | 98700.00 |
| 109 | 2033-11 | 8496.42 | 271.43 | 8225.00 | 90475.00 |
| 110 | 2033-12 | 8473.81 | 248.81 | 8225.00 | 82250.00 |
| 111 | 2034-01 | 8451.19 | 226.19 | 8225.00 | 74025.00 |
| 112 | 2034-02 | 8428.57 | 203.57 | 8225.00 | 65800.00 |
| 113 | 2034-03 | 8405.95 | 180.95 | 8225.00 | 57575.00 |
| 114 | 2034-04 | 8383.33 | 158.33 | 8225.00 | 49350.00 |
| 115 | 2034-05 | 8360.71 | 135.71 | 8225.00 | 41125.00 |
| 116 | 2034-06 | 8338.09 | 113.09 | 8225.00 | 32900.00 |
| 117 | 2034-07 | 8315.48 | 90.48 | 8225.00 | 24675.00 |
| 118 | 2034-08 | 8292.86 | 67.86 | 8225.00 | 16450.00 |
| 119 | 2034-09 | 8270.24 | 45.24 | 8225.00 | 8225.00 |
| 120 | 2034-10 | 8247.62 | 22.62 | 8225.00 | 0.00 |
友情链接:
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采用2025年12月03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03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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