贷款144万（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：144万
还款月数：10年
每月还款：13805.26元
利息总额：21.66万
本息合计：165.66万
| 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 | 13805.26 | 3420.00 | 10385.26 | 1429614.74 |
| 2 | 2024-12 | 13805.26 | 3395.33 | 10409.93 | 1419204.81 |
| 3 | 2025-01 | 13805.26 | 3370.61 | 10434.65 | 1408770.16 |
| 4 | 2025-02 | 13805.26 | 3345.83 | 10459.43 | 1398310.72 |
| 5 | 2025-03 | 13805.26 | 3320.99 | 10484.28 | 1387826.44 |
| 6 | 2025-04 | 13805.26 | 3296.09 | 10509.18 | 1377317.27 |
| 7 | 2025-05 | 13805.26 | 3271.13 | 10534.14 | 1366783.13 |
| 8 | 2025-06 | 13805.26 | 3246.11 | 10559.15 | 1356223.98 |
| 9 | 2025-07 | 13805.26 | 3221.03 | 10584.23 | 1345639.75 |
| 10 | 2025-08 | 13805.26 | 3195.89 | 10609.37 | 1335030.38 |
| 11 | 2025-09 | 13805.26 | 3170.70 | 10634.57 | 1324395.81 |
| 12 | 2025-10 | 13805.26 | 3145.44 | 10659.82 | 1313735.99 |
| 13 | 2025-11 | 13805.26 | 3120.12 | 10685.14 | 1303050.85 |
| 14 | 2025-12 | 13805.26 | 3094.75 | 10710.52 | 1292340.33 |
| 15 | 2026-01 | 13805.26 | 3069.31 | 10735.96 | 1281604.37 |
| 16 | 2026-02 | 13805.26 | 3043.81 | 10761.45 | 1270842.92 |
| 17 | 2026-03 | 13805.26 | 3018.25 | 10787.01 | 1260055.91 |
| 18 | 2026-04 | 13805.26 | 2992.63 | 10812.63 | 1249243.28 |
| 19 | 2026-05 | 13805.26 | 2966.95 | 10838.31 | 1238404.97 |
| 20 | 2026-06 | 13805.26 | 2941.21 | 10864.05 | 1227540.92 |
| 21 | 2026-07 | 13805.26 | 2915.41 | 10889.85 | 1216651.06 |
| 22 | 2026-08 | 13805.26 | 2889.55 | 10915.72 | 1205735.34 |
| 23 | 2026-09 | 13805.26 | 2863.62 | 10941.64 | 1194793.70 |
| 24 | 2026-10 | 13805.26 | 2837.64 | 10967.63 | 1183826.07 |
| 25 | 2026-11 | 13805.26 | 2811.59 | 10993.68 | 1172832.40 |
| 26 | 2026-12 | 13805.26 | 2785.48 | 11019.79 | 1161812.61 |
| 27 | 2027-01 | 13805.26 | 2759.30 | 11045.96 | 1150766.65 |
| 28 | 2027-02 | 13805.26 | 2733.07 | 11072.19 | 1139694.46 |
| 29 | 2027-03 | 13805.26 | 2706.77 | 11098.49 | 1128595.97 |
| 30 | 2027-04 | 13805.26 | 2680.42 | 11124.85 | 1117471.12 |
| 31 | 2027-05 | 13805.26 | 2653.99 | 11151.27 | 1106319.85 |
| 32 | 2027-06 | 13805.26 | 2627.51 | 11177.75 | 1095142.10 |
| 33 | 2027-07 | 13805.26 | 2600.96 | 11204.30 | 1083937.80 |
| 34 | 2027-08 | 13805.26 | 2574.35 | 11230.91 | 1072706.88 |
| 35 | 2027-09 | 13805.26 | 2547.68 | 11257.58 | 1061449.30 |
| 36 | 2027-10 | 13805.26 | 2520.94 | 11284.32 | 1050164.98 |
| 37 | 2027-11 | 13805.26 | 2494.14 | 11311.12 | 1038853.86 |
| 38 | 2027-12 | 13805.26 | 2467.28 | 11337.99 | 1027515.87 |
| 39 | 2028-01 | 13805.26 | 2440.35 | 11364.91 | 1016150.96 |
| 40 | 2028-02 | 13805.26 | 2413.36 | 11391.91 | 1004759.05 |
| 41 | 2028-03 | 13805.26 | 2386.30 | 11418.96 | 993340.09 |
| 42 | 2028-04 | 13805.26 | 2359.18 | 11446.08 | 981894.01 |
| 43 | 2028-05 | 13805.26 | 2332.00 | 11473.27 | 970420.74 |
| 44 | 2028-06 | 13805.26 | 2304.75 | 11500.51 | 958920.23 |
| 45 | 2028-07 | 13805.26 | 2277.44 | 11527.83 | 947392.40 |
| 46 | 2028-08 | 13805.26 | 2250.06 | 11555.21 | 935837.19 |
| 47 | 2028-09 | 13805.26 | 2222.61 | 11582.65 | 924254.54 |
| 48 | 2028-10 | 13805.26 | 2195.10 | 11610.16 | 912644.38 |
| 49 | 2028-11 | 13805.26 | 2167.53 | 11637.73 | 901006.65 |
| 50 | 2028-12 | 13805.26 | 2139.89 | 11665.37 | 889341.28 |
| 51 | 2029-01 | 13805.26 | 2112.19 | 11693.08 | 877648.20 |
| 52 | 2029-02 | 13805.26 | 2084.41 | 11720.85 | 865927.35 |
| 53 | 2029-03 | 13805.26 | 2056.58 | 11748.69 | 854178.67 |
| 54 | 2029-04 | 13805.26 | 2028.67 | 11776.59 | 842402.08 |
| 55 | 2029-05 | 13805.26 | 2000.70 | 11804.56 | 830597.52 |
| 56 | 2029-06 | 13805.26 | 1972.67 | 11832.59 | 818764.92 |
| 57 | 2029-07 | 13805.26 | 1944.57 | 11860.70 | 806904.23 |
| 58 | 2029-08 | 13805.26 | 1916.40 | 11888.87 | 795015.36 |
| 59 | 2029-09 | 13805.26 | 1888.16 | 11917.10 | 783098.26 |
| 60 | 2029-10 | 13805.26 | 1859.86 | 11945.41 | 771152.85 |
| 61 | 2029-11 | 13805.26 | 1831.49 | 11973.78 | 759179.08 |
| 62 | 2029-12 | 13805.26 | 1803.05 | 12002.21 | 747176.86 |
| 63 | 2030-01 | 13805.26 | 1774.55 | 12030.72 | 735146.14 |
| 64 | 2030-02 | 13805.26 | 1745.97 | 12059.29 | 723086.85 |
| 65 | 2030-03 | 13805.26 | 1717.33 | 12087.93 | 710998.92 |
| 66 | 2030-04 | 13805.26 | 1688.62 | 12116.64 | 698882.28 |
| 67 | 2030-05 | 13805.26 | 1659.85 | 12145.42 | 686736.86 |
| 68 | 2030-06 | 13805.26 | 1631.00 | 12174.26 | 674562.60 |
| 69 | 2030-07 | 13805.26 | 1602.09 | 12203.18 | 662359.42 |
| 70 | 2030-08 | 13805.26 | 1573.10 | 12232.16 | 650127.26 |
| 71 | 2030-09 | 13805.26 | 1544.05 | 12261.21 | 637866.05 |
| 72 | 2030-10 | 13805.26 | 1514.93 | 12290.33 | 625575.72 |
| 73 | 2030-11 | 13805.26 | 1485.74 | 12319.52 | 613256.19 |
| 74 | 2030-12 | 13805.26 | 1456.48 | 12348.78 | 600907.41 |
| 75 | 2031-01 | 13805.26 | 1427.16 | 12378.11 | 588529.31 |
| 76 | 2031-02 | 13805.26 | 1397.76 | 12407.51 | 576121.80 |
| 77 | 2031-03 | 13805.26 | 1368.29 | 12436.97 | 563684.82 |
| 78 | 2031-04 | 13805.26 | 1338.75 | 12466.51 | 551218.31 |
| 79 | 2031-05 | 13805.26 | 1309.14 | 12496.12 | 538722.19 |
| 80 | 2031-06 | 13805.26 | 1279.47 | 12525.80 | 526196.39 |
| 81 | 2031-07 | 13805.26 | 1249.72 | 12555.55 | 513640.85 |
| 82 | 2031-08 | 13805.26 | 1219.90 | 12585.37 | 501055.48 |
| 83 | 2031-09 | 13805.26 | 1190.01 | 12615.26 | 488440.22 |
| 84 | 2031-10 | 13805.26 | 1160.05 | 12645.22 | 475795.00 |
| 85 | 2031-11 | 13805.26 | 1130.01 | 12675.25 | 463119.75 |
| 86 | 2031-12 | 13805.26 | 1099.91 | 12705.35 | 450414.40 |
| 87 | 2032-01 | 13805.26 | 1069.73 | 12735.53 | 437678.87 |
| 88 | 2032-02 | 13805.26 | 1039.49 | 12765.78 | 424913.09 |
| 89 | 2032-03 | 13805.26 | 1009.17 | 12796.10 | 412117.00 |
| 90 | 2032-04 | 13805.26 | 978.78 | 12826.49 | 399290.51 |
| 91 | 2032-05 | 13805.26 | 948.31 | 12856.95 | 386433.56 |
| 92 | 2032-06 | 13805.26 | 917.78 | 12887.48 | 373546.08 |
| 93 | 2032-07 | 13805.26 | 887.17 | 12918.09 | 360627.99 |
| 94 | 2032-08 | 13805.26 | 856.49 | 12948.77 | 347679.22 |
| 95 | 2032-09 | 13805.26 | 825.74 | 12979.53 | 334699.69 |
| 96 | 2032-10 | 13805.26 | 794.91 | 13010.35 | 321689.34 |
| 97 | 2032-11 | 13805.26 | 764.01 | 13041.25 | 308648.09 |
| 98 | 2032-12 | 13805.26 | 733.04 | 13072.22 | 295575.86 |
| 99 | 2033-01 | 13805.26 | 701.99 | 13103.27 | 282472.59 |
| 100 | 2033-02 | 13805.26 | 670.87 | 13134.39 | 269338.20 |
| 101 | 2033-03 | 13805.26 | 639.68 | 13165.59 | 256172.61 |
| 102 | 2033-04 | 13805.26 | 608.41 | 13196.85 | 242975.76 |
| 103 | 2033-05 | 13805.26 | 577.07 | 13228.20 | 229747.56 |
| 104 | 2033-06 | 13805.26 | 545.65 | 13259.61 | 216487.95 |
| 105 | 2033-07 | 13805.26 | 514.16 | 13291.10 | 203196.85 |
| 106 | 2033-08 | 13805.26 | 482.59 | 13322.67 | 189874.18 |
| 107 | 2033-09 | 13805.26 | 450.95 | 13354.31 | 176519.86 |
| 108 | 2033-10 | 13805.26 | 419.23 | 13386.03 | 163133.83 |
| 109 | 2033-11 | 13805.26 | 387.44 | 13417.82 | 149716.01 |
| 110 | 2033-12 | 13805.26 | 355.58 | 13449.69 | 136266.32 |
| 111 | 2034-01 | 13805.26 | 323.63 | 13481.63 | 122784.69 |
| 112 | 2034-02 | 13805.26 | 291.61 | 13513.65 | 109271.04 |
| 113 | 2034-03 | 13805.26 | 259.52 | 13545.74 | 95725.30 |
| 114 | 2034-04 | 13805.26 | 227.35 | 13577.92 | 82147.38 |
| 115 | 2034-05 | 13805.26 | 195.10 | 13610.16 | 68537.22 |
| 116 | 2034-06 | 13805.26 | 162.78 | 13642.49 | 54894.73 |
| 117 | 2034-07 | 13805.26 | 130.37 | 13674.89 | 41219.84 |
| 118 | 2034-08 | 13805.26 | 97.90 | 13707.37 | 27512.48 |
| 119 | 2034-09 | 13805.26 | 65.34 | 13739.92 | 13772.55 |
| 120 | 2034-10 | 13805.26 | 32.71 | 13772.55 | 0.00 |
还款方式二：等额本金
贷款总额：144万
还款月数：10年
首月还款：15420元
每月递减：28.5元
利息总额：20.69万
本息合计：164.69万
节省利息：9721.64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 | 15420.00 | 3420.00 | 12000.00 | 1428000.00 |
| 2 | 2024-12 | 15391.50 | 3391.50 | 12000.00 | 1416000.00 |
| 3 | 2025-01 | 15363.00 | 3363.00 | 12000.00 | 1404000.00 |
| 4 | 2025-02 | 15334.50 | 3334.50 | 12000.00 | 1392000.00 |
| 5 | 2025-03 | 15306.00 | 3306.00 | 12000.00 | 1380000.00 |
| 6 | 2025-04 | 15277.50 | 3277.50 | 12000.00 | 1368000.00 |
| 7 | 2025-05 | 15249.00 | 3249.00 | 12000.00 | 1356000.00 |
| 8 | 2025-06 | 15220.50 | 3220.50 | 12000.00 | 1344000.00 |
| 9 | 2025-07 | 15192.00 | 3192.00 | 12000.00 | 1332000.00 |
| 10 | 2025-08 | 15163.50 | 3163.50 | 12000.00 | 1320000.00 |
| 11 | 2025-09 | 15135.00 | 3135.00 | 12000.00 | 1308000.00 |
| 12 | 2025-10 | 15106.50 | 3106.50 | 12000.00 | 1296000.00 |
| 13 | 2025-11 | 15078.00 | 3078.00 | 12000.00 | 1284000.00 |
| 14 | 2025-12 | 15049.50 | 3049.50 | 12000.00 | 1272000.00 |
| 15 | 2026-01 | 15021.00 | 3021.00 | 12000.00 | 1260000.00 |
| 16 | 2026-02 | 14992.50 | 2992.50 | 12000.00 | 1248000.00 |
| 17 | 2026-03 | 14964.00 | 2964.00 | 12000.00 | 1236000.00 |
| 18 | 2026-04 | 14935.50 | 2935.50 | 12000.00 | 1224000.00 |
| 19 | 2026-05 | 14907.00 | 2907.00 | 12000.00 | 1212000.00 |
| 20 | 2026-06 | 14878.50 | 2878.50 | 12000.00 | 1200000.00 |
| 21 | 2026-07 | 14850.00 | 2850.00 | 12000.00 | 1188000.00 |
| 22 | 2026-08 | 14821.50 | 2821.50 | 12000.00 | 1176000.00 |
| 23 | 2026-09 | 14793.00 | 2793.00 | 12000.00 | 1164000.00 |
| 24 | 2026-10 | 14764.50 | 2764.50 | 12000.00 | 1152000.00 |
| 25 | 2026-11 | 14736.00 | 2736.00 | 12000.00 | 1140000.00 |
| 26 | 2026-12 | 14707.50 | 2707.50 | 12000.00 | 1128000.00 |
| 27 | 2027-01 | 14679.00 | 2679.00 | 12000.00 | 1116000.00 |
| 28 | 2027-02 | 14650.50 | 2650.50 | 12000.00 | 1104000.00 |
| 29 | 2027-03 | 14622.00 | 2622.00 | 12000.00 | 1092000.00 |
| 30 | 2027-04 | 14593.50 | 2593.50 | 12000.00 | 1080000.00 |
| 31 | 2027-05 | 14565.00 | 2565.00 | 12000.00 | 1068000.00 |
| 32 | 2027-06 | 14536.50 | 2536.50 | 12000.00 | 1056000.00 |
| 33 | 2027-07 | 14508.00 | 2508.00 | 12000.00 | 1044000.00 |
| 34 | 2027-08 | 14479.50 | 2479.50 | 12000.00 | 1032000.00 |
| 35 | 2027-09 | 14451.00 | 2451.00 | 12000.00 | 1020000.00 |
| 36 | 2027-10 | 14422.50 | 2422.50 | 12000.00 | 1008000.00 |
| 37 | 2027-11 | 14394.00 | 2394.00 | 12000.00 | 996000.00 |
| 38 | 2027-12 | 14365.50 | 2365.50 | 12000.00 | 984000.00 |
| 39 | 2028-01 | 14337.00 | 2337.00 | 12000.00 | 972000.00 |
| 40 | 2028-02 | 14308.50 | 2308.50 | 12000.00 | 960000.00 |
| 41 | 2028-03 | 14280.00 | 2280.00 | 12000.00 | 948000.00 |
| 42 | 2028-04 | 14251.50 | 2251.50 | 12000.00 | 936000.00 |
| 43 | 2028-05 | 14223.00 | 2223.00 | 12000.00 | 924000.00 |
| 44 | 2028-06 | 14194.50 | 2194.50 | 12000.00 | 912000.00 |
| 45 | 2028-07 | 14166.00 | 2166.00 | 12000.00 | 900000.00 |
| 46 | 2028-08 | 14137.50 | 2137.50 | 12000.00 | 888000.00 |
| 47 | 2028-09 | 14109.00 | 2109.00 | 12000.00 | 876000.00 |
| 48 | 2028-10 | 14080.50 | 2080.50 | 12000.00 | 864000.00 |
| 49 | 2028-11 | 14052.00 | 2052.00 | 12000.00 | 852000.00 |
| 50 | 2028-12 | 14023.50 | 2023.50 | 12000.00 | 840000.00 |
| 51 | 2029-01 | 13995.00 | 1995.00 | 12000.00 | 828000.00 |
| 52 | 2029-02 | 13966.50 | 1966.50 | 12000.00 | 816000.00 |
| 53 | 2029-03 | 13938.00 | 1938.00 | 12000.00 | 804000.00 |
| 54 | 2029-04 | 13909.50 | 1909.50 | 12000.00 | 792000.00 |
| 55 | 2029-05 | 13881.00 | 1881.00 | 12000.00 | 780000.00 |
| 56 | 2029-06 | 13852.50 | 1852.50 | 12000.00 | 768000.00 |
| 57 | 2029-07 | 13824.00 | 1824.00 | 12000.00 | 756000.00 |
| 58 | 2029-08 | 13795.50 | 1795.50 | 12000.00 | 744000.00 |
| 59 | 2029-09 | 13767.00 | 1767.00 | 12000.00 | 732000.00 |
| 60 | 2029-10 | 13738.50 | 1738.50 | 12000.00 | 720000.00 |
| 61 | 2029-11 | 13710.00 | 1710.00 | 12000.00 | 708000.00 |
| 62 | 2029-12 | 13681.50 | 1681.50 | 12000.00 | 696000.00 |
| 63 | 2030-01 | 13653.00 | 1653.00 | 12000.00 | 684000.00 |
| 64 | 2030-02 | 13624.50 | 1624.50 | 12000.00 | 672000.00 |
| 65 | 2030-03 | 13596.00 | 1596.00 | 12000.00 | 660000.00 |
| 66 | 2030-04 | 13567.50 | 1567.50 | 12000.00 | 648000.00 |
| 67 | 2030-05 | 13539.00 | 1539.00 | 12000.00 | 636000.00 |
| 68 | 2030-06 | 13510.50 | 1510.50 | 12000.00 | 624000.00 |
| 69 | 2030-07 | 13482.00 | 1482.00 | 12000.00 | 612000.00 |
| 70 | 2030-08 | 13453.50 | 1453.50 | 12000.00 | 600000.00 |
| 71 | 2030-09 | 13425.00 | 1425.00 | 12000.00 | 588000.00 |
| 72 | 2030-10 | 13396.50 | 1396.50 | 12000.00 | 576000.00 |
| 73 | 2030-11 | 13368.00 | 1368.00 | 12000.00 | 564000.00 |
| 74 | 2030-12 | 13339.50 | 1339.50 | 12000.00 | 552000.00 |
| 75 | 2031-01 | 13311.00 | 1311.00 | 12000.00 | 540000.00 |
| 76 | 2031-02 | 13282.50 | 1282.50 | 12000.00 | 528000.00 |
| 77 | 2031-03 | 13254.00 | 1254.00 | 12000.00 | 516000.00 |
| 78 | 2031-04 | 13225.50 | 1225.50 | 12000.00 | 504000.00 |
| 79 | 2031-05 | 13197.00 | 1197.00 | 12000.00 | 492000.00 |
| 80 | 2031-06 | 13168.50 | 1168.50 | 12000.00 | 480000.00 |
| 81 | 2031-07 | 13140.00 | 1140.00 | 12000.00 | 468000.00 |
| 82 | 2031-08 | 13111.50 | 1111.50 | 12000.00 | 456000.00 |
| 83 | 2031-09 | 13083.00 | 1083.00 | 12000.00 | 444000.00 |
| 84 | 2031-10 | 13054.50 | 1054.50 | 12000.00 | 432000.00 |
| 85 | 2031-11 | 13026.00 | 1026.00 | 12000.00 | 420000.00 |
| 86 | 2031-12 | 12997.50 | 997.50 | 12000.00 | 408000.00 |
| 87 | 2032-01 | 12969.00 | 969.00 | 12000.00 | 396000.00 |
| 88 | 2032-02 | 12940.50 | 940.50 | 12000.00 | 384000.00 |
| 89 | 2032-03 | 12912.00 | 912.00 | 12000.00 | 372000.00 |
| 90 | 2032-04 | 12883.50 | 883.50 | 12000.00 | 360000.00 |
| 91 | 2032-05 | 12855.00 | 855.00 | 12000.00 | 348000.00 |
| 92 | 2032-06 | 12826.50 | 826.50 | 12000.00 | 336000.00 |
| 93 | 2032-07 | 12798.00 | 798.00 | 12000.00 | 324000.00 |
| 94 | 2032-08 | 12769.50 | 769.50 | 12000.00 | 312000.00 |
| 95 | 2032-09 | 12741.00 | 741.00 | 12000.00 | 300000.00 |
| 96 | 2032-10 | 12712.50 | 712.50 | 12000.00 | 288000.00 |
| 97 | 2032-11 | 12684.00 | 684.00 | 12000.00 | 276000.00 |
| 98 | 2032-12 | 12655.50 | 655.50 | 12000.00 | 264000.00 |
| 99 | 2033-01 | 12627.00 | 627.00 | 12000.00 | 252000.00 |
| 100 | 2033-02 | 12598.50 | 598.50 | 12000.00 | 240000.00 |
| 101 | 2033-03 | 12570.00 | 570.00 | 12000.00 | 228000.00 |
| 102 | 2033-04 | 12541.50 | 541.50 | 12000.00 | 216000.00 |
| 103 | 2033-05 | 12513.00 | 513.00 | 12000.00 | 204000.00 |
| 104 | 2033-06 | 12484.50 | 484.50 | 12000.00 | 192000.00 |
| 105 | 2033-07 | 12456.00 | 456.00 | 12000.00 | 180000.00 |
| 106 | 2033-08 | 12427.50 | 427.50 | 12000.00 | 168000.00 |
| 107 | 2033-09 | 12399.00 | 399.00 | 12000.00 | 156000.00 |
| 108 | 2033-10 | 12370.50 | 370.50 | 12000.00 | 144000.00 |
| 109 | 2033-11 | 12342.00 | 342.00 | 12000.00 | 132000.00 |
| 110 | 2033-12 | 12313.50 | 313.50 | 12000.00 | 120000.00 |
| 111 | 2034-01 | 12285.00 | 285.00 | 12000.00 | 108000.00 |
| 112 | 2034-02 | 12256.50 | 256.50 | 12000.00 | 96000.00 |
| 113 | 2034-03 | 12228.00 | 228.00 | 12000.00 | 84000.00 |
| 114 | 2034-04 | 12199.50 | 199.50 | 12000.00 | 72000.00 |
| 115 | 2034-05 | 12171.00 | 171.00 | 12000.00 | 60000.00 |
| 116 | 2034-06 | 12142.50 | 142.50 | 12000.00 | 48000.00 |
| 117 | 2034-07 | 12114.00 | 114.00 | 12000.00 | 36000.00 |
| 118 | 2034-08 | 12085.50 | 85.50 | 12000.00 | 24000.00 |
| 119 | 2034-09 | 12057.00 | 57.00 | 12000.00 | 12000.00 |
| 120 | 2034-10 | 12028.50 | 28.50 | 12000.00 | 0.00 |
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采用2025年12月02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02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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