贷款150万（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：150万
还款月数：10年
每月还款：14380.48元
利息总额：22.57万
本息合计：172.57万
| 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 | 14380.48 | 3562.50 | 10817.98 | 1489182.02 |
| 2 | 2024-12 | 14380.48 | 3536.81 | 10843.68 | 1478338.34 |
| 3 | 2025-01 | 14380.48 | 3511.05 | 10869.43 | 1467468.91 |
| 4 | 2025-02 | 14380.48 | 3485.24 | 10895.24 | 1456573.67 |
| 5 | 2025-03 | 14380.48 | 3459.36 | 10921.12 | 1445652.55 |
| 6 | 2025-04 | 14380.48 | 3433.42 | 10947.06 | 1434705.49 |
| 7 | 2025-05 | 14380.48 | 3407.43 | 10973.06 | 1423732.43 |
| 8 | 2025-06 | 14380.48 | 3381.36 | 10999.12 | 1412733.31 |
| 9 | 2025-07 | 14380.48 | 3355.24 | 11025.24 | 1401708.07 |
| 10 | 2025-08 | 14380.48 | 3329.06 | 11051.43 | 1390656.64 |
| 11 | 2025-09 | 14380.48 | 3302.81 | 11077.67 | 1379578.97 |
| 12 | 2025-10 | 14380.48 | 3276.50 | 11103.98 | 1368474.99 |
| 13 | 2025-11 | 14380.48 | 3250.13 | 11130.35 | 1357344.63 |
| 14 | 2025-12 | 14380.48 | 3223.69 | 11156.79 | 1346187.84 |
| 15 | 2026-01 | 14380.48 | 3197.20 | 11183.29 | 1335004.56 |
| 16 | 2026-02 | 14380.48 | 3170.64 | 11209.85 | 1323794.71 |
| 17 | 2026-03 | 14380.48 | 3144.01 | 11236.47 | 1312558.24 |
| 18 | 2026-04 | 14380.48 | 3117.33 | 11263.16 | 1301295.08 |
| 19 | 2026-05 | 14380.48 | 3090.58 | 11289.91 | 1290005.17 |
| 20 | 2026-06 | 14380.48 | 3063.76 | 11316.72 | 1278688.45 |
| 21 | 2026-07 | 14380.48 | 3036.89 | 11343.60 | 1267344.86 |
| 22 | 2026-08 | 14380.48 | 3009.94 | 11370.54 | 1255974.32 |
| 23 | 2026-09 | 14380.48 | 2982.94 | 11397.54 | 1244576.77 |
| 24 | 2026-10 | 14380.48 | 2955.87 | 11424.61 | 1233152.16 |
| 25 | 2026-11 | 14380.48 | 2928.74 | 11451.75 | 1221700.41 |
| 26 | 2026-12 | 14380.48 | 2901.54 | 11478.94 | 1210221.47 |
| 27 | 2027-01 | 14380.48 | 2874.28 | 11506.21 | 1198715.26 |
| 28 | 2027-02 | 14380.48 | 2846.95 | 11533.53 | 1187181.73 |
| 29 | 2027-03 | 14380.48 | 2819.56 | 11560.93 | 1175620.80 |
| 30 | 2027-04 | 14380.48 | 2792.10 | 11588.38 | 1164032.42 |
| 31 | 2027-05 | 14380.48 | 2764.58 | 11615.91 | 1152416.51 |
| 32 | 2027-06 | 14380.48 | 2736.99 | 11643.49 | 1140773.02 |
| 33 | 2027-07 | 14380.48 | 2709.34 | 11671.15 | 1129101.87 |
| 34 | 2027-08 | 14380.48 | 2681.62 | 11698.87 | 1117403.00 |
| 35 | 2027-09 | 14380.48 | 2653.83 | 11726.65 | 1105676.35 |
| 36 | 2027-10 | 14380.48 | 2625.98 | 11754.50 | 1093921.85 |
| 37 | 2027-11 | 14380.48 | 2598.06 | 11782.42 | 1082139.43 |
| 38 | 2027-12 | 14380.48 | 2570.08 | 11810.40 | 1070329.03 |
| 39 | 2028-01 | 14380.48 | 2542.03 | 11838.45 | 1058490.58 |
| 40 | 2028-02 | 14380.48 | 2513.92 | 11866.57 | 1046624.01 |
| 41 | 2028-03 | 14380.48 | 2485.73 | 11894.75 | 1034729.26 |
| 42 | 2028-04 | 14380.48 | 2457.48 | 11923.00 | 1022806.26 |
| 43 | 2028-05 | 14380.48 | 2429.16 | 11951.32 | 1010854.94 |
| 44 | 2028-06 | 14380.48 | 2400.78 | 11979.70 | 998875.24 |
| 45 | 2028-07 | 14380.48 | 2372.33 | 12008.15 | 986867.08 |
| 46 | 2028-08 | 14380.48 | 2343.81 | 12036.67 | 974830.41 |
| 47 | 2028-09 | 14380.48 | 2315.22 | 12065.26 | 962765.15 |
| 48 | 2028-10 | 14380.48 | 2286.57 | 12093.92 | 950671.23 |
| 49 | 2028-11 | 14380.48 | 2257.84 | 12122.64 | 938548.60 |
| 50 | 2028-12 | 14380.48 | 2229.05 | 12151.43 | 926397.17 |
| 51 | 2029-01 | 14380.48 | 2200.19 | 12180.29 | 914216.88 |
| 52 | 2029-02 | 14380.48 | 2171.27 | 12209.22 | 902007.66 |
| 53 | 2029-03 | 14380.48 | 2142.27 | 12238.21 | 889769.44 |
| 54 | 2029-04 | 14380.48 | 2113.20 | 12267.28 | 877502.16 |
| 55 | 2029-05 | 14380.48 | 2084.07 | 12296.42 | 865205.75 |
| 56 | 2029-06 | 14380.48 | 2054.86 | 12325.62 | 852880.13 |
| 57 | 2029-07 | 14380.48 | 2025.59 | 12354.89 | 840525.23 |
| 58 | 2029-08 | 14380.48 | 1996.25 | 12384.24 | 828141.00 |
| 59 | 2029-09 | 14380.48 | 1966.83 | 12413.65 | 815727.35 |
| 60 | 2029-10 | 14380.48 | 1937.35 | 12443.13 | 803284.22 |
| 61 | 2029-11 | 14380.48 | 1907.80 | 12472.68 | 790811.54 |
| 62 | 2029-12 | 14380.48 | 1878.18 | 12502.31 | 778309.23 |
| 63 | 2030-01 | 14380.48 | 1848.48 | 12532.00 | 765777.23 |
| 64 | 2030-02 | 14380.48 | 1818.72 | 12561.76 | 753215.47 |
| 65 | 2030-03 | 14380.48 | 1788.89 | 12591.60 | 740623.87 |
| 66 | 2030-04 | 14380.48 | 1758.98 | 12621.50 | 728002.37 |
| 67 | 2030-05 | 14380.48 | 1729.01 | 12651.48 | 715350.90 |
| 68 | 2030-06 | 14380.48 | 1698.96 | 12681.52 | 702669.37 |
| 69 | 2030-07 | 14380.48 | 1668.84 | 12711.64 | 689957.73 |
| 70 | 2030-08 | 14380.48 | 1638.65 | 12741.83 | 677215.89 |
| 71 | 2030-09 | 14380.48 | 1608.39 | 12772.10 | 664443.80 |
| 72 | 2030-10 | 14380.48 | 1578.05 | 12802.43 | 651641.37 |
| 73 | 2030-11 | 14380.48 | 1547.65 | 12832.83 | 638808.54 |
| 74 | 2030-12 | 14380.48 | 1517.17 | 12863.31 | 625945.22 |
| 75 | 2031-01 | 14380.48 | 1486.62 | 12893.86 | 613051.36 |
| 76 | 2031-02 | 14380.48 | 1456.00 | 12924.49 | 600126.87 |
| 77 | 2031-03 | 14380.48 | 1425.30 | 12955.18 | 587171.69 |
| 78 | 2031-04 | 14380.48 | 1394.53 | 12985.95 | 574185.74 |
| 79 | 2031-05 | 14380.48 | 1363.69 | 13016.79 | 561168.95 |
| 80 | 2031-06 | 14380.48 | 1332.78 | 13047.71 | 548121.24 |
| 81 | 2031-07 | 14380.48 | 1301.79 | 13078.70 | 535042.55 |
| 82 | 2031-08 | 14380.48 | 1270.73 | 13109.76 | 521932.79 |
| 83 | 2031-09 | 14380.48 | 1239.59 | 13140.89 | 508791.90 |
| 84 | 2031-10 | 14380.48 | 1208.38 | 13172.10 | 495619.80 |
| 85 | 2031-11 | 14380.48 | 1177.10 | 13203.39 | 482416.41 |
| 86 | 2031-12 | 14380.48 | 1145.74 | 13234.74 | 469181.67 |
| 87 | 2032-01 | 14380.48 | 1114.31 | 13266.18 | 455915.49 |
| 88 | 2032-02 | 14380.48 | 1082.80 | 13297.68 | 442617.81 |
| 89 | 2032-03 | 14380.48 | 1051.22 | 13329.27 | 429288.54 |
| 90 | 2032-04 | 14380.48 | 1019.56 | 13360.92 | 415927.62 |
| 91 | 2032-05 | 14380.48 | 987.83 | 13392.65 | 402534.96 |
| 92 | 2032-06 | 14380.48 | 956.02 | 13424.46 | 389110.50 |
| 93 | 2032-07 | 14380.48 | 924.14 | 13456.35 | 375654.15 |
| 94 | 2032-08 | 14380.48 | 892.18 | 13488.30 | 362165.85 |
| 95 | 2032-09 | 14380.48 | 860.14 | 13520.34 | 348645.51 |
| 96 | 2032-10 | 14380.48 | 828.03 | 13552.45 | 335093.06 |
| 97 | 2032-11 | 14380.48 | 795.85 | 13584.64 | 321508.42 |
| 98 | 2032-12 | 14380.48 | 763.58 | 13616.90 | 307891.52 |
| 99 | 2033-01 | 14380.48 | 731.24 | 13649.24 | 294242.28 |
| 100 | 2033-02 | 14380.48 | 698.83 | 13681.66 | 280560.62 |
| 101 | 2033-03 | 14380.48 | 666.33 | 13714.15 | 266846.47 |
| 102 | 2033-04 | 14380.48 | 633.76 | 13746.72 | 253099.75 |
| 103 | 2033-05 | 14380.48 | 601.11 | 13779.37 | 239320.38 |
| 104 | 2033-06 | 14380.48 | 568.39 | 13812.10 | 225508.28 |
| 105 | 2033-07 | 14380.48 | 535.58 | 13844.90 | 211663.38 |
| 106 | 2033-08 | 14380.48 | 502.70 | 13877.78 | 197785.60 |
| 107 | 2033-09 | 14380.48 | 469.74 | 13910.74 | 183874.86 |
| 108 | 2033-10 | 14380.48 | 436.70 | 13943.78 | 169931.08 |
| 109 | 2033-11 | 14380.48 | 403.59 | 13976.90 | 155954.18 |
| 110 | 2033-12 | 14380.48 | 370.39 | 14010.09 | 141944.09 |
| 111 | 2034-01 | 14380.48 | 337.12 | 14043.37 | 127900.72 |
| 112 | 2034-02 | 14380.48 | 303.76 | 14076.72 | 113824.00 |
| 113 | 2034-03 | 14380.48 | 270.33 | 14110.15 | 99713.85 |
| 114 | 2034-04 | 14380.48 | 236.82 | 14143.66 | 85570.19 |
| 115 | 2034-05 | 14380.48 | 203.23 | 14177.25 | 71392.94 |
| 116 | 2034-06 | 14380.48 | 169.56 | 14210.92 | 57182.01 |
| 117 | 2034-07 | 14380.48 | 135.81 | 14244.68 | 42937.34 |
| 118 | 2034-08 | 14380.48 | 101.98 | 14278.51 | 28658.83 |
| 119 | 2034-09 | 14380.48 | 68.06 | 14312.42 | 14346.41 |
| 120 | 2034-10 | 14380.48 | 34.07 | 14346.41 | 0.00 |
还款方式二：等额本金
贷款总额：150万
还款月数：10年
首月还款：16062.5元
每月递减：29.69元
利息总额：21.55万
本息合计：171.55万
节省利息：10126.71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 | 16062.50 | 3562.50 | 12500.00 | 1487500.00 |
| 2 | 2024-12 | 16032.81 | 3532.81 | 12500.00 | 1475000.00 |
| 3 | 2025-01 | 16003.13 | 3503.13 | 12500.00 | 1462500.00 |
| 4 | 2025-02 | 15973.44 | 3473.44 | 12500.00 | 1450000.00 |
| 5 | 2025-03 | 15943.75 | 3443.75 | 12500.00 | 1437500.00 |
| 6 | 2025-04 | 15914.06 | 3414.06 | 12500.00 | 1425000.00 |
| 7 | 2025-05 | 15884.38 | 3384.38 | 12500.00 | 1412500.00 |
| 8 | 2025-06 | 15854.69 | 3354.69 | 12500.00 | 1400000.00 |
| 9 | 2025-07 | 15825.00 | 3325.00 | 12500.00 | 1387500.00 |
| 10 | 2025-08 | 15795.31 | 3295.31 | 12500.00 | 1375000.00 |
| 11 | 2025-09 | 15765.63 | 3265.63 | 12500.00 | 1362500.00 |
| 12 | 2025-10 | 15735.94 | 3235.94 | 12500.00 | 1350000.00 |
| 13 | 2025-11 | 15706.25 | 3206.25 | 12500.00 | 1337500.00 |
| 14 | 2025-12 | 15676.56 | 3176.56 | 12500.00 | 1325000.00 |
| 15 | 2026-01 | 15646.88 | 3146.88 | 12500.00 | 1312500.00 |
| 16 | 2026-02 | 15617.19 | 3117.19 | 12500.00 | 1300000.00 |
| 17 | 2026-03 | 15587.50 | 3087.50 | 12500.00 | 1287500.00 |
| 18 | 2026-04 | 15557.81 | 3057.81 | 12500.00 | 1275000.00 |
| 19 | 2026-05 | 15528.13 | 3028.13 | 12500.00 | 1262500.00 |
| 20 | 2026-06 | 15498.44 | 2998.44 | 12500.00 | 1250000.00 |
| 21 | 2026-07 | 15468.75 | 2968.75 | 12500.00 | 1237500.00 |
| 22 | 2026-08 | 15439.06 | 2939.06 | 12500.00 | 1225000.00 |
| 23 | 2026-09 | 15409.38 | 2909.38 | 12500.00 | 1212500.00 |
| 24 | 2026-10 | 15379.69 | 2879.69 | 12500.00 | 1200000.00 |
| 25 | 2026-11 | 15350.00 | 2850.00 | 12500.00 | 1187500.00 |
| 26 | 2026-12 | 15320.31 | 2820.31 | 12500.00 | 1175000.00 |
| 27 | 2027-01 | 15290.63 | 2790.63 | 12500.00 | 1162500.00 |
| 28 | 2027-02 | 15260.94 | 2760.94 | 12500.00 | 1150000.00 |
| 29 | 2027-03 | 15231.25 | 2731.25 | 12500.00 | 1137500.00 |
| 30 | 2027-04 | 15201.56 | 2701.56 | 12500.00 | 1125000.00 |
| 31 | 2027-05 | 15171.88 | 2671.88 | 12500.00 | 1112500.00 |
| 32 | 2027-06 | 15142.19 | 2642.19 | 12500.00 | 1100000.00 |
| 33 | 2027-07 | 15112.50 | 2612.50 | 12500.00 | 1087500.00 |
| 34 | 2027-08 | 15082.81 | 2582.81 | 12500.00 | 1075000.00 |
| 35 | 2027-09 | 15053.13 | 2553.13 | 12500.00 | 1062500.00 |
| 36 | 2027-10 | 15023.44 | 2523.44 | 12500.00 | 1050000.00 |
| 37 | 2027-11 | 14993.75 | 2493.75 | 12500.00 | 1037500.00 |
| 38 | 2027-12 | 14964.06 | 2464.06 | 12500.00 | 1025000.00 |
| 39 | 2028-01 | 14934.38 | 2434.38 | 12500.00 | 1012500.00 |
| 40 | 2028-02 | 14904.69 | 2404.69 | 12500.00 | 1000000.00 |
| 41 | 2028-03 | 14875.00 | 2375.00 | 12500.00 | 987500.00 |
| 42 | 2028-04 | 14845.31 | 2345.31 | 12500.00 | 975000.00 |
| 43 | 2028-05 | 14815.63 | 2315.63 | 12500.00 | 962500.00 |
| 44 | 2028-06 | 14785.94 | 2285.94 | 12500.00 | 950000.00 |
| 45 | 2028-07 | 14756.25 | 2256.25 | 12500.00 | 937500.00 |
| 46 | 2028-08 | 14726.56 | 2226.56 | 12500.00 | 925000.00 |
| 47 | 2028-09 | 14696.88 | 2196.88 | 12500.00 | 912500.00 |
| 48 | 2028-10 | 14667.19 | 2167.19 | 12500.00 | 900000.00 |
| 49 | 2028-11 | 14637.50 | 2137.50 | 12500.00 | 887500.00 |
| 50 | 2028-12 | 14607.81 | 2107.81 | 12500.00 | 875000.00 |
| 51 | 2029-01 | 14578.13 | 2078.13 | 12500.00 | 862500.00 |
| 52 | 2029-02 | 14548.44 | 2048.44 | 12500.00 | 850000.00 |
| 53 | 2029-03 | 14518.75 | 2018.75 | 12500.00 | 837500.00 |
| 54 | 2029-04 | 14489.06 | 1989.06 | 12500.00 | 825000.00 |
| 55 | 2029-05 | 14459.38 | 1959.38 | 12500.00 | 812500.00 |
| 56 | 2029-06 | 14429.69 | 1929.69 | 12500.00 | 800000.00 |
| 57 | 2029-07 | 14400.00 | 1900.00 | 12500.00 | 787500.00 |
| 58 | 2029-08 | 14370.31 | 1870.31 | 12500.00 | 775000.00 |
| 59 | 2029-09 | 14340.63 | 1840.63 | 12500.00 | 762500.00 |
| 60 | 2029-10 | 14310.94 | 1810.94 | 12500.00 | 750000.00 |
| 61 | 2029-11 | 14281.25 | 1781.25 | 12500.00 | 737500.00 |
| 62 | 2029-12 | 14251.56 | 1751.56 | 12500.00 | 725000.00 |
| 63 | 2030-01 | 14221.88 | 1721.88 | 12500.00 | 712500.00 |
| 64 | 2030-02 | 14192.19 | 1692.19 | 12500.00 | 700000.00 |
| 65 | 2030-03 | 14162.50 | 1662.50 | 12500.00 | 687500.00 |
| 66 | 2030-04 | 14132.81 | 1632.81 | 12500.00 | 675000.00 |
| 67 | 2030-05 | 14103.13 | 1603.13 | 12500.00 | 662500.00 |
| 68 | 2030-06 | 14073.44 | 1573.44 | 12500.00 | 650000.00 |
| 69 | 2030-07 | 14043.75 | 1543.75 | 12500.00 | 637500.00 |
| 70 | 2030-08 | 14014.06 | 1514.06 | 12500.00 | 625000.00 |
| 71 | 2030-09 | 13984.38 | 1484.38 | 12500.00 | 612500.00 |
| 72 | 2030-10 | 13954.69 | 1454.69 | 12500.00 | 600000.00 |
| 73 | 2030-11 | 13925.00 | 1425.00 | 12500.00 | 587500.00 |
| 74 | 2030-12 | 13895.31 | 1395.31 | 12500.00 | 575000.00 |
| 75 | 2031-01 | 13865.63 | 1365.63 | 12500.00 | 562500.00 |
| 76 | 2031-02 | 13835.94 | 1335.94 | 12500.00 | 550000.00 |
| 77 | 2031-03 | 13806.25 | 1306.25 | 12500.00 | 537500.00 |
| 78 | 2031-04 | 13776.56 | 1276.56 | 12500.00 | 525000.00 |
| 79 | 2031-05 | 13746.88 | 1246.88 | 12500.00 | 512500.00 |
| 80 | 2031-06 | 13717.19 | 1217.19 | 12500.00 | 500000.00 |
| 81 | 2031-07 | 13687.50 | 1187.50 | 12500.00 | 487500.00 |
| 82 | 2031-08 | 13657.81 | 1157.81 | 12500.00 | 475000.00 |
| 83 | 2031-09 | 13628.13 | 1128.13 | 12500.00 | 462500.00 |
| 84 | 2031-10 | 13598.44 | 1098.44 | 12500.00 | 450000.00 |
| 85 | 2031-11 | 13568.75 | 1068.75 | 12500.00 | 437500.00 |
| 86 | 2031-12 | 13539.06 | 1039.06 | 12500.00 | 425000.00 |
| 87 | 2032-01 | 13509.38 | 1009.38 | 12500.00 | 412500.00 |
| 88 | 2032-02 | 13479.69 | 979.69 | 12500.00 | 400000.00 |
| 89 | 2032-03 | 13450.00 | 950.00 | 12500.00 | 387500.00 |
| 90 | 2032-04 | 13420.31 | 920.31 | 12500.00 | 375000.00 |
| 91 | 2032-05 | 13390.63 | 890.63 | 12500.00 | 362500.00 |
| 92 | 2032-06 | 13360.94 | 860.94 | 12500.00 | 350000.00 |
| 93 | 2032-07 | 13331.25 | 831.25 | 12500.00 | 337500.00 |
| 94 | 2032-08 | 13301.56 | 801.56 | 12500.00 | 325000.00 |
| 95 | 2032-09 | 13271.88 | 771.88 | 12500.00 | 312500.00 |
| 96 | 2032-10 | 13242.19 | 742.19 | 12500.00 | 300000.00 |
| 97 | 2032-11 | 13212.50 | 712.50 | 12500.00 | 287500.00 |
| 98 | 2032-12 | 13182.81 | 682.81 | 12500.00 | 275000.00 |
| 99 | 2033-01 | 13153.13 | 653.13 | 12500.00 | 262500.00 |
| 100 | 2033-02 | 13123.44 | 623.44 | 12500.00 | 250000.00 |
| 101 | 2033-03 | 13093.75 | 593.75 | 12500.00 | 237500.00 |
| 102 | 2033-04 | 13064.06 | 564.06 | 12500.00 | 225000.00 |
| 103 | 2033-05 | 13034.38 | 534.38 | 12500.00 | 212500.00 |
| 104 | 2033-06 | 13004.69 | 504.69 | 12500.00 | 200000.00 |
| 105 | 2033-07 | 12975.00 | 475.00 | 12500.00 | 187500.00 |
| 106 | 2033-08 | 12945.31 | 445.31 | 12500.00 | 175000.00 |
| 107 | 2033-09 | 12915.63 | 415.63 | 12500.00 | 162500.00 |
| 108 | 2033-10 | 12885.94 | 385.94 | 12500.00 | 150000.00 |
| 109 | 2033-11 | 12856.25 | 356.25 | 12500.00 | 137500.00 |
| 110 | 2033-12 | 12826.56 | 326.56 | 12500.00 | 125000.00 |
| 111 | 2034-01 | 12796.88 | 296.88 | 12500.00 | 112500.00 |
| 112 | 2034-02 | 12767.19 | 267.19 | 12500.00 | 100000.00 |
| 113 | 2034-03 | 12737.50 | 237.50 | 12500.00 | 87500.00 |
| 114 | 2034-04 | 12707.81 | 207.81 | 12500.00 | 75000.00 |
| 115 | 2034-05 | 12678.13 | 178.13 | 12500.00 | 62500.00 |
| 116 | 2034-06 | 12648.44 | 148.44 | 12500.00 | 50000.00 |
| 117 | 2034-07 | 12618.75 | 118.75 | 12500.00 | 37500.00 |
| 118 | 2034-08 | 12589.06 | 89.06 | 12500.00 | 25000.00 |
| 119 | 2034-09 | 12559.38 | 59.38 | 12500.00 | 12500.00 |
| 120 | 2034-10 | 12529.69 | 29.69 | 12500.00 | 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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