贷款75万（商业贷款）的房贷，还款10年的等额本息和等额本金，有两种还款方式明细说明解析。
还款方式一：等额本息
贷款总额：75万
还款月数：10年
每月还款：7918.3元
利息总额：20.02万
本息合计：95.02万
| 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 | 7918.30 | 3062.50 | 4855.80 | 745144.20 |
| 2 | 2024-12 | 7918.30 | 3042.67 | 4875.63 | 740268.56 |
| 3 | 2025-01 | 7918.30 | 3022.76 | 4895.54 | 735373.02 |
| 4 | 2025-02 | 7918.30 | 3002.77 | 4915.53 | 730457.49 |
| 5 | 2025-03 | 7918.30 | 2982.70 | 4935.60 | 725521.89 |
| 6 | 2025-04 | 7918.30 | 2962.55 | 4955.76 | 720566.13 |
| 7 | 2025-05 | 7918.30 | 2942.31 | 4975.99 | 715590.14 |
| 8 | 2025-06 | 7918.30 | 2921.99 | 4996.31 | 710593.83 |
| 9 | 2025-07 | 7918.30 | 2901.59 | 5016.71 | 705577.11 |
| 10 | 2025-08 | 7918.30 | 2881.11 | 5037.20 | 700539.91 |
| 11 | 2025-09 | 7918.30 | 2860.54 | 5057.77 | 695482.15 |
| 12 | 2025-10 | 7918.30 | 2839.89 | 5078.42 | 690403.73 |
| 13 | 2025-11 | 7918.30 | 2819.15 | 5099.16 | 685304.57 |
| 14 | 2025-12 | 7918.30 | 2798.33 | 5119.98 | 680184.59 |
| 15 | 2026-01 | 7918.30 | 2777.42 | 5140.88 | 675043.71 |
| 16 | 2026-02 | 7918.30 | 2756.43 | 5161.88 | 669881.83 |
| 17 | 2026-03 | 7918.30 | 2735.35 | 5182.95 | 664698.88 |
| 18 | 2026-04 | 7918.30 | 2714.19 | 5204.12 | 659494.76 |
| 19 | 2026-05 | 7918.30 | 2692.94 | 5225.37 | 654269.39 |
| 20 | 2026-06 | 7918.30 | 2671.60 | 5246.70 | 649022.69 |
| 21 | 2026-07 | 7918.30 | 2650.18 | 5268.13 | 643754.56 |
| 22 | 2026-08 | 7918.30 | 2628.66 | 5289.64 | 638464.92 |
| 23 | 2026-09 | 7918.30 | 2607.07 | 5311.24 | 633153.68 |
| 24 | 2026-10 | 7918.30 | 2585.38 | 5332.93 | 627820.75 |
| 25 | 2026-11 | 7918.30 | 2563.60 | 5354.70 | 622466.05 |
| 26 | 2026-12 | 7918.30 | 2541.74 | 5376.57 | 617089.48 |
| 27 | 2027-01 | 7918.30 | 2519.78 | 5398.52 | 611690.96 |
| 28 | 2027-02 | 7918.30 | 2497.74 | 5420.57 | 606270.39 |
| 29 | 2027-03 | 7918.30 | 2475.60 | 5442.70 | 600827.69 |
| 30 | 2027-04 | 7918.30 | 2453.38 | 5464.92 | 595362.77 |
| 31 | 2027-05 | 7918.30 | 2431.06 | 5487.24 | 589875.53 |
| 32 | 2027-06 | 7918.30 | 2408.66 | 5509.65 | 584365.88 |
| 33 | 2027-07 | 7918.30 | 2386.16 | 5532.14 | 578833.74 |
| 34 | 2027-08 | 7918.30 | 2363.57 | 5554.73 | 573279.00 |
| 35 | 2027-09 | 7918.30 | 2340.89 | 5577.42 | 567701.59 |
| 36 | 2027-10 | 7918.30 | 2318.11 | 5600.19 | 562101.40 |
| 37 | 2027-11 | 7918.30 | 2295.25 | 5623.06 | 556478.34 |
| 38 | 2027-12 | 7918.30 | 2272.29 | 5646.02 | 550832.32 |
| 39 | 2028-01 | 7918.30 | 2249.23 | 5669.07 | 545163.25 |
| 40 | 2028-02 | 7918.30 | 2226.08 | 5692.22 | 539471.03 |
| 41 | 2028-03 | 7918.30 | 2202.84 | 5715.46 | 533755.57 |
| 42 | 2028-04 | 7918.30 | 2179.50 | 5738.80 | 528016.76 |
| 43 | 2028-05 | 7918.30 | 2156.07 | 5762.24 | 522254.53 |
| 44 | 2028-06 | 7918.30 | 2132.54 | 5785.77 | 516468.76 |
| 45 | 2028-07 | 7918.30 | 2108.91 | 5809.39 | 510659.37 |
| 46 | 2028-08 | 7918.30 | 2085.19 | 5833.11 | 504826.26 |
| 47 | 2028-09 | 7918.30 | 2061.37 | 5856.93 | 498969.33 |
| 48 | 2028-10 | 7918.30 | 2037.46 | 5880.85 | 493088.48 |
| 49 | 2028-11 | 7918.30 | 2013.44 | 5904.86 | 487183.62 |
| 50 | 2028-12 | 7918.30 | 1989.33 | 5928.97 | 481254.65 |
| 51 | 2029-01 | 7918.30 | 1965.12 | 5953.18 | 475301.47 |
| 52 | 2029-02 | 7918.30 | 1940.81 | 5977.49 | 469323.98 |
| 53 | 2029-03 | 7918.30 | 1916.41 | 6001.90 | 463322.08 |
| 54 | 2029-04 | 7918.30 | 1891.90 | 6026.41 | 457295.67 |
| 55 | 2029-05 | 7918.30 | 1867.29 | 6051.01 | 451244.66 |
| 56 | 2029-06 | 7918.30 | 1842.58 | 6075.72 | 445168.94 |
| 57 | 2029-07 | 7918.30 | 1817.77 | 6100.53 | 439068.40 |
| 58 | 2029-08 | 7918.30 | 1792.86 | 6125.44 | 432942.96 |
| 59 | 2029-09 | 7918.30 | 1767.85 | 6150.45 | 426792.51 |
| 60 | 2029-10 | 7918.30 | 1742.74 | 6175.57 | 420616.94 |
| 61 | 2029-11 | 7918.30 | 1717.52 | 6200.79 | 414416.15 |
| 62 | 2029-12 | 7918.30 | 1692.20 | 6226.11 | 408190.05 |
| 63 | 2030-01 | 7918.30 | 1666.78 | 6251.53 | 401938.52 |
| 64 | 2030-02 | 7918.30 | 1641.25 | 6277.06 | 395661.46 |
| 65 | 2030-03 | 7918.30 | 1615.62 | 6302.69 | 389358.78 |
| 66 | 2030-04 | 7918.30 | 1589.88 | 6328.42 | 383030.35 |
| 67 | 2030-05 | 7918.30 | 1564.04 | 6354.26 | 376676.09 |
| 68 | 2030-06 | 7918.30 | 1538.09 | 6380.21 | 370295.88 |
| 69 | 2030-07 | 7918.30 | 1512.04 | 6406.26 | 363889.62 |
| 70 | 2030-08 | 7918.30 | 1485.88 | 6432.42 | 357457.20 |
| 71 | 2030-09 | 7918.30 | 1459.62 | 6458.69 | 350998.51 |
| 72 | 2030-10 | 7918.30 | 1433.24 | 6485.06 | 344513.45 |
| 73 | 2030-11 | 7918.30 | 1406.76 | 6511.54 | 338001.91 |
| 74 | 2030-12 | 7918.30 | 1380.17 | 6538.13 | 331463.77 |
| 75 | 2031-01 | 7918.30 | 1353.48 | 6564.83 | 324898.95 |
| 76 | 2031-02 | 7918.30 | 1326.67 | 6591.63 | 318307.31 |
| 77 | 2031-03 | 7918.30 | 1299.75 | 6618.55 | 311688.76 |
| 78 | 2031-04 | 7918.30 | 1272.73 | 6645.58 | 305043.19 |
| 79 | 2031-05 | 7918.30 | 1245.59 | 6672.71 | 298370.48 |
| 80 | 2031-06 | 7918.30 | 1218.35 | 6699.96 | 291670.52 |
| 81 | 2031-07 | 7918.30 | 1190.99 | 6727.32 | 284943.20 |
| 82 | 2031-08 | 7918.30 | 1163.52 | 6754.79 | 278188.41 |
| 83 | 2031-09 | 7918.30 | 1135.94 | 6782.37 | 271406.05 |
| 84 | 2031-10 | 7918.30 | 1108.24 | 6810.06 | 264595.98 |
| 85 | 2031-11 | 7918.30 | 1080.43 | 6837.87 | 257758.11 |
| 86 | 2031-12 | 7918.30 | 1052.51 | 6865.79 | 250892.32 |
| 87 | 2032-01 | 7918.30 | 1024.48 | 6893.83 | 243998.49 |
| 88 | 2032-02 | 7918.30 | 996.33 | 6921.98 | 237076.51 |
| 89 | 2032-03 | 7918.30 | 968.06 | 6950.24 | 230126.27 |
| 90 | 2032-04 | 7918.30 | 939.68 | 6978.62 | 223147.65 |
| 91 | 2032-05 | 7918.30 | 911.19 | 7007.12 | 216140.53 |
| 92 | 2032-06 | 7918.30 | 882.57 | 7035.73 | 209104.80 |
| 93 | 2032-07 | 7918.30 | 853.84 | 7064.46 | 202040.34 |
| 94 | 2032-08 | 7918.30 | 825.00 | 7093.31 | 194947.03 |
| 95 | 2032-09 | 7918.30 | 796.03 | 7122.27 | 187824.76 |
| 96 | 2032-10 | 7918.30 | 766.95 | 7151.35 | 180673.41 |
| 97 | 2032-11 | 7918.30 | 737.75 | 7180.55 | 173492.85 |
| 98 | 2032-12 | 7918.30 | 708.43 | 7209.88 | 166282.98 |
| 99 | 2033-01 | 7918.30 | 678.99 | 7239.32 | 159043.66 |
| 100 | 2033-02 | 7918.30 | 649.43 | 7268.88 | 151774.79 |
| 101 | 2033-03 | 7918.30 | 619.75 | 7298.56 | 144476.23 |
| 102 | 2033-04 | 7918.30 | 589.94 | 7328.36 | 137147.87 |
| 103 | 2033-05 | 7918.30 | 560.02 | 7358.28 | 129789.58 |
| 104 | 2033-06 | 7918.30 | 529.97 | 7388.33 | 122401.25 |
| 105 | 2033-07 | 7918.30 | 499.81 | 7418.50 | 114982.75 |
| 106 | 2033-08 | 7918.30 | 469.51 | 7448.79 | 107533.96 |
| 107 | 2033-09 | 7918.30 | 439.10 | 7479.21 | 100054.75 |
| 108 | 2033-10 | 7918.30 | 408.56 | 7509.75 | 92545.01 |
| 109 | 2033-11 | 7918.30 | 377.89 | 7540.41 | 85004.59 |
| 110 | 2033-12 | 7918.30 | 347.10 | 7571.20 | 77433.39 |
| 111 | 2034-01 | 7918.30 | 316.19 | 7602.12 | 69831.27 |
| 112 | 2034-02 | 7918.30 | 285.14 | 7633.16 | 62198.11 |
| 113 | 2034-03 | 7918.30 | 253.98 | 7664.33 | 54533.78 |
| 114 | 2034-04 | 7918.30 | 222.68 | 7695.63 | 46838.16 |
| 115 | 2034-05 | 7918.30 | 191.26 | 7727.05 | 39111.11 |
| 116 | 2034-06 | 7918.30 | 159.70 | 7758.60 | 31352.51 |
| 117 | 2034-07 | 7918.30 | 128.02 | 7790.28 | 23562.23 |
| 118 | 2034-08 | 7918.30 | 96.21 | 7822.09 | 15740.14 |
| 119 | 2034-09 | 7918.30 | 64.27 | 7854.03 | 7886.10 |
| 120 | 2034-10 | 7918.30 | 32.20 | 7886.10 | 0.00 |
还款方式二：等额本金
贷款总额：75万
还款月数：10年
首月还款：9312.5元
每月递减：25.52元
利息总额：18.53万
本息合计：93.53万
节省利息：14915.31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 | 9312.50 | 3062.50 | 6250.00 | 743750.00 |
| 2 | 2024-12 | 9286.98 | 3036.98 | 6250.00 | 737500.00 |
| 3 | 2025-01 | 9261.46 | 3011.46 | 6250.00 | 731250.00 |
| 4 | 2025-02 | 9235.94 | 2985.94 | 6250.00 | 725000.00 |
| 5 | 2025-03 | 9210.42 | 2960.42 | 6250.00 | 718750.00 |
| 6 | 2025-04 | 9184.90 | 2934.90 | 6250.00 | 712500.00 |
| 7 | 2025-05 | 9159.38 | 2909.38 | 6250.00 | 706250.00 |
| 8 | 2025-06 | 9133.85 | 2883.85 | 6250.00 | 700000.00 |
| 9 | 2025-07 | 9108.33 | 2858.33 | 6250.00 | 693750.00 |
| 10 | 2025-08 | 9082.81 | 2832.81 | 6250.00 | 687500.00 |
| 11 | 2025-09 | 9057.29 | 2807.29 | 6250.00 | 681250.00 |
| 12 | 2025-10 | 9031.77 | 2781.77 | 6250.00 | 675000.00 |
| 13 | 2025-11 | 9006.25 | 2756.25 | 6250.00 | 668750.00 |
| 14 | 2025-12 | 8980.73 | 2730.73 | 6250.00 | 662500.00 |
| 15 | 2026-01 | 8955.21 | 2705.21 | 6250.00 | 656250.00 |
| 16 | 2026-02 | 8929.69 | 2679.69 | 6250.00 | 650000.00 |
| 17 | 2026-03 | 8904.17 | 2654.17 | 6250.00 | 643750.00 |
| 18 | 2026-04 | 8878.65 | 2628.65 | 6250.00 | 637500.00 |
| 19 | 2026-05 | 8853.13 | 2603.13 | 6250.00 | 631250.00 |
| 20 | 2026-06 | 8827.60 | 2577.60 | 6250.00 | 625000.00 |
| 21 | 2026-07 | 8802.08 | 2552.08 | 6250.00 | 618750.00 |
| 22 | 2026-08 | 8776.56 | 2526.56 | 6250.00 | 612500.00 |
| 23 | 2026-09 | 8751.04 | 2501.04 | 6250.00 | 606250.00 |
| 24 | 2026-10 | 8725.52 | 2475.52 | 6250.00 | 600000.00 |
| 25 | 2026-11 | 8700.00 | 2450.00 | 6250.00 | 593750.00 |
| 26 | 2026-12 | 8674.48 | 2424.48 | 6250.00 | 587500.00 |
| 27 | 2027-01 | 8648.96 | 2398.96 | 6250.00 | 581250.00 |
| 28 | 2027-02 | 8623.44 | 2373.44 | 6250.00 | 575000.00 |
| 29 | 2027-03 | 8597.92 | 2347.92 | 6250.00 | 568750.00 |
| 30 | 2027-04 | 8572.40 | 2322.40 | 6250.00 | 562500.00 |
| 31 | 2027-05 | 8546.88 | 2296.88 | 6250.00 | 556250.00 |
| 32 | 2027-06 | 8521.35 | 2271.35 | 6250.00 | 550000.00 |
| 33 | 2027-07 | 8495.83 | 2245.83 | 6250.00 | 543750.00 |
| 34 | 2027-08 | 8470.31 | 2220.31 | 6250.00 | 537500.00 |
| 35 | 2027-09 | 8444.79 | 2194.79 | 6250.00 | 531250.00 |
| 36 | 2027-10 | 8419.27 | 2169.27 | 6250.00 | 525000.00 |
| 37 | 2027-11 | 8393.75 | 2143.75 | 6250.00 | 518750.00 |
| 38 | 2027-12 | 8368.23 | 2118.23 | 6250.00 | 512500.00 |
| 39 | 2028-01 | 8342.71 | 2092.71 | 6250.00 | 506250.00 |
| 40 | 2028-02 | 8317.19 | 2067.19 | 6250.00 | 500000.00 |
| 41 | 2028-03 | 8291.67 | 2041.67 | 6250.00 | 493750.00 |
| 42 | 2028-04 | 8266.15 | 2016.15 | 6250.00 | 487500.00 |
| 43 | 2028-05 | 8240.63 | 1990.63 | 6250.00 | 481250.00 |
| 44 | 2028-06 | 8215.10 | 1965.10 | 6250.00 | 475000.00 |
| 45 | 2028-07 | 8189.58 | 1939.58 | 6250.00 | 468750.00 |
| 46 | 2028-08 | 8164.06 | 1914.06 | 6250.00 | 462500.00 |
| 47 | 2028-09 | 8138.54 | 1888.54 | 6250.00 | 456250.00 |
| 48 | 2028-10 | 8113.02 | 1863.02 | 6250.00 | 450000.00 |
| 49 | 2028-11 | 8087.50 | 1837.50 | 6250.00 | 443750.00 |
| 50 | 2028-12 | 8061.98 | 1811.98 | 6250.00 | 437500.00 |
| 51 | 2029-01 | 8036.46 | 1786.46 | 6250.00 | 431250.00 |
| 52 | 2029-02 | 8010.94 | 1760.94 | 6250.00 | 425000.00 |
| 53 | 2029-03 | 7985.42 | 1735.42 | 6250.00 | 418750.00 |
| 54 | 2029-04 | 7959.90 | 1709.90 | 6250.00 | 412500.00 |
| 55 | 2029-05 | 7934.38 | 1684.38 | 6250.00 | 406250.00 |
| 56 | 2029-06 | 7908.85 | 1658.85 | 6250.00 | 400000.00 |
| 57 | 2029-07 | 7883.33 | 1633.33 | 6250.00 | 393750.00 |
| 58 | 2029-08 | 7857.81 | 1607.81 | 6250.00 | 387500.00 |
| 59 | 2029-09 | 7832.29 | 1582.29 | 6250.00 | 381250.00 |
| 60 | 2029-10 | 7806.77 | 1556.77 | 6250.00 | 375000.00 |
| 61 | 2029-11 | 7781.25 | 1531.25 | 6250.00 | 368750.00 |
| 62 | 2029-12 | 7755.73 | 1505.73 | 6250.00 | 362500.00 |
| 63 | 2030-01 | 7730.21 | 1480.21 | 6250.00 | 356250.00 |
| 64 | 2030-02 | 7704.69 | 1454.69 | 6250.00 | 350000.00 |
| 65 | 2030-03 | 7679.17 | 1429.17 | 6250.00 | 343750.00 |
| 66 | 2030-04 | 7653.65 | 1403.65 | 6250.00 | 337500.00 |
| 67 | 2030-05 | 7628.13 | 1378.13 | 6250.00 | 331250.00 |
| 68 | 2030-06 | 7602.60 | 1352.60 | 6250.00 | 325000.00 |
| 69 | 2030-07 | 7577.08 | 1327.08 | 6250.00 | 318750.00 |
| 70 | 2030-08 | 7551.56 | 1301.56 | 6250.00 | 312500.00 |
| 71 | 2030-09 | 7526.04 | 1276.04 | 6250.00 | 306250.00 |
| 72 | 2030-10 | 7500.52 | 1250.52 | 6250.00 | 300000.00 |
| 73 | 2030-11 | 7475.00 | 1225.00 | 6250.00 | 293750.00 |
| 74 | 2030-12 | 7449.48 | 1199.48 | 6250.00 | 287500.00 |
| 75 | 2031-01 | 7423.96 | 1173.96 | 6250.00 | 281250.00 |
| 76 | 2031-02 | 7398.44 | 1148.44 | 6250.00 | 275000.00 |
| 77 | 2031-03 | 7372.92 | 1122.92 | 6250.00 | 268750.00 |
| 78 | 2031-04 | 7347.40 | 1097.40 | 6250.00 | 262500.00 |
| 79 | 2031-05 | 7321.88 | 1071.88 | 6250.00 | 256250.00 |
| 80 | 2031-06 | 7296.35 | 1046.35 | 6250.00 | 250000.00 |
| 81 | 2031-07 | 7270.83 | 1020.83 | 6250.00 | 243750.00 |
| 82 | 2031-08 | 7245.31 | 995.31 | 6250.00 | 237500.00 |
| 83 | 2031-09 | 7219.79 | 969.79 | 6250.00 | 231250.00 |
| 84 | 2031-10 | 7194.27 | 944.27 | 6250.00 | 225000.00 |
| 85 | 2031-11 | 7168.75 | 918.75 | 6250.00 | 218750.00 |
| 86 | 2031-12 | 7143.23 | 893.23 | 6250.00 | 212500.00 |
| 87 | 2032-01 | 7117.71 | 867.71 | 6250.00 | 206250.00 |
| 88 | 2032-02 | 7092.19 | 842.19 | 6250.00 | 200000.00 |
| 89 | 2032-03 | 7066.67 | 816.67 | 6250.00 | 193750.00 |
| 90 | 2032-04 | 7041.15 | 791.15 | 6250.00 | 187500.00 |
| 91 | 2032-05 | 7015.63 | 765.63 | 6250.00 | 181250.00 |
| 92 | 2032-06 | 6990.10 | 740.10 | 6250.00 | 175000.00 |
| 93 | 2032-07 | 6964.58 | 714.58 | 6250.00 | 168750.00 |
| 94 | 2032-08 | 6939.06 | 689.06 | 6250.00 | 162500.00 |
| 95 | 2032-09 | 6913.54 | 663.54 | 6250.00 | 156250.00 |
| 96 | 2032-10 | 6888.02 | 638.02 | 6250.00 | 150000.00 |
| 97 | 2032-11 | 6862.50 | 612.50 | 6250.00 | 143750.00 |
| 98 | 2032-12 | 6836.98 | 586.98 | 6250.00 | 137500.00 |
| 99 | 2033-01 | 6811.46 | 561.46 | 6250.00 | 131250.00 |
| 100 | 2033-02 | 6785.94 | 535.94 | 6250.00 | 125000.00 |
| 101 | 2033-03 | 6760.42 | 510.42 | 6250.00 | 118750.00 |
| 102 | 2033-04 | 6734.90 | 484.90 | 6250.00 | 112500.00 |
| 103 | 2033-05 | 6709.38 | 459.38 | 6250.00 | 106250.00 |
| 104 | 2033-06 | 6683.85 | 433.85 | 6250.00 | 100000.00 |
| 105 | 2033-07 | 6658.33 | 408.33 | 6250.00 | 93750.00 |
| 106 | 2033-08 | 6632.81 | 382.81 | 6250.00 | 87500.00 |
| 107 | 2033-09 | 6607.29 | 357.29 | 6250.00 | 81250.00 |
| 108 | 2033-10 | 6581.77 | 331.77 | 6250.00 | 75000.00 |
| 109 | 2033-11 | 6556.25 | 306.25 | 6250.00 | 68750.00 |
| 110 | 2033-12 | 6530.73 | 280.73 | 6250.00 | 62500.00 |
| 111 | 2034-01 | 6505.21 | 255.21 | 6250.00 | 56250.00 |
| 112 | 2034-02 | 6479.69 | 229.69 | 6250.00 | 50000.00 |
| 113 | 2034-03 | 6454.17 | 204.17 | 6250.00 | 43750.00 |
| 114 | 2034-04 | 6428.65 | 178.65 | 6250.00 | 37500.00 |
| 115 | 2034-05 | 6403.13 | 153.13 | 6250.00 | 31250.00 |
| 116 | 2034-06 | 6377.60 | 127.60 | 6250.00 | 25000.00 |
| 117 | 2034-07 | 6352.08 | 102.08 | 6250.00 | 18750.00 |
| 118 | 2034-08 | 6326.56 | 76.56 | 6250.00 | 12500.00 |
| 119 | 2034-09 | 6301.04 | 51.04 | 6250.00 | 6250.00 |
| 120 | 2034-10 | 6275.52 | 25.52 | 6250.00 | 0.00 |
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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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