贷款126万（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：126万
还款月数：10年
每月还款：13624.42元
利息总额：37.49万
本息合计：163.49万
| 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 | 13624.42 | 5691.00 | 7933.42 | 1252066.58 |
| 2 | 2024-12 | 13624.42 | 5655.17 | 7969.25 | 1244097.33 |
| 3 | 2025-01 | 13624.42 | 5619.17 | 8005.25 | 1236092.09 |
| 4 | 2025-02 | 13624.42 | 5583.02 | 8041.40 | 1228050.68 |
| 5 | 2025-03 | 13624.42 | 5546.70 | 8077.72 | 1219972.96 |
| 6 | 2025-04 | 13624.42 | 5510.21 | 8114.21 | 1211858.75 |
| 7 | 2025-05 | 13624.42 | 5473.56 | 8150.86 | 1203707.90 |
| 8 | 2025-06 | 13624.42 | 5436.75 | 8187.67 | 1195520.23 |
| 9 | 2025-07 | 13624.42 | 5399.77 | 8224.65 | 1187295.58 |
| 10 | 2025-08 | 13624.42 | 5362.62 | 8261.80 | 1179033.78 |
| 11 | 2025-09 | 13624.42 | 5325.30 | 8299.12 | 1170734.66 |
| 12 | 2025-10 | 13624.42 | 5287.82 | 8336.60 | 1162398.06 |
| 13 | 2025-11 | 13624.42 | 5250.16 | 8374.25 | 1154023.81 |
| 14 | 2025-12 | 13624.42 | 5212.34 | 8412.08 | 1145611.73 |
| 15 | 2026-01 | 13624.42 | 5174.35 | 8450.07 | 1137161.66 |
| 16 | 2026-02 | 13624.42 | 5136.18 | 8488.24 | 1128673.42 |
| 17 | 2026-03 | 13624.42 | 5097.84 | 8526.58 | 1120146.84 |
| 18 | 2026-04 | 13624.42 | 5059.33 | 8565.09 | 1111581.76 |
| 19 | 2026-05 | 13624.42 | 5020.64 | 8603.77 | 1102977.98 |
| 20 | 2026-06 | 13624.42 | 4981.78 | 8642.63 | 1094335.35 |
| 21 | 2026-07 | 13624.42 | 4942.75 | 8681.67 | 1085653.68 |
| 22 | 2026-08 | 13624.42 | 4903.54 | 8720.88 | 1076932.80 |
| 23 | 2026-09 | 13624.42 | 4864.15 | 8760.27 | 1068172.52 |
| 24 | 2026-10 | 13624.42 | 4824.58 | 8799.84 | 1059372.69 |
| 25 | 2026-11 | 13624.42 | 4784.83 | 8839.58 | 1050533.10 |
| 26 | 2026-12 | 13624.42 | 4744.91 | 8879.51 | 1041653.59 |
| 27 | 2027-01 | 13624.42 | 4704.80 | 8919.62 | 1032733.97 |
| 28 | 2027-02 | 13624.42 | 4664.52 | 8959.90 | 1023774.07 |
| 29 | 2027-03 | 13624.42 | 4624.05 | 9000.37 | 1014773.70 |
| 30 | 2027-04 | 13624.42 | 4583.39 | 9041.02 | 1005732.68 |
| 31 | 2027-05 | 13624.42 | 4542.56 | 9081.86 | 996650.82 |
| 32 | 2027-06 | 13624.42 | 4501.54 | 9122.88 | 987527.94 |
| 33 | 2027-07 | 13624.42 | 4460.33 | 9164.08 | 978363.86 |
| 34 | 2027-08 | 13624.42 | 4418.94 | 9205.47 | 969158.38 |
| 35 | 2027-09 | 13624.42 | 4377.37 | 9247.05 | 959911.33 |
| 36 | 2027-10 | 13624.42 | 4335.60 | 9288.82 | 950622.51 |
| 37 | 2027-11 | 13624.42 | 4293.65 | 9330.77 | 941291.74 |
| 38 | 2027-12 | 13624.42 | 4251.50 | 9372.92 | 931918.82 |
| 39 | 2028-01 | 13624.42 | 4209.17 | 9415.25 | 922503.57 |
| 40 | 2028-02 | 13624.42 | 4166.64 | 9457.78 | 913045.79 |
| 41 | 2028-03 | 13624.42 | 4123.92 | 9500.49 | 903545.30 |
| 42 | 2028-04 | 13624.42 | 4081.01 | 9543.41 | 894001.89 |
| 43 | 2028-05 | 13624.42 | 4037.91 | 9586.51 | 884415.38 |
| 44 | 2028-06 | 13624.42 | 3994.61 | 9629.81 | 874785.57 |
| 45 | 2028-07 | 13624.42 | 3951.11 | 9673.30 | 865112.27 |
| 46 | 2028-08 | 13624.42 | 3907.42 | 9716.99 | 855395.28 |
| 47 | 2028-09 | 13624.42 | 3863.54 | 9760.88 | 845634.39 |
| 48 | 2028-10 | 13624.42 | 3819.45 | 9804.97 | 835829.42 |
| 49 | 2028-11 | 13624.42 | 3775.16 | 9849.26 | 825980.17 |
| 50 | 2028-12 | 13624.42 | 3730.68 | 9893.74 | 816086.43 |
| 51 | 2029-01 | 13624.42 | 3685.99 | 9938.43 | 806148.00 |
| 52 | 2029-02 | 13624.42 | 3641.10 | 9983.32 | 796164.68 |
| 53 | 2029-03 | 13624.42 | 3596.01 | 10028.41 | 786136.28 |
| 54 | 2029-04 | 13624.42 | 3550.72 | 10073.70 | 776062.57 |
| 55 | 2029-05 | 13624.42 | 3505.22 | 10119.20 | 765943.37 |
| 56 | 2029-06 | 13624.42 | 3459.51 | 10164.91 | 755778.46 |
| 57 | 2029-07 | 13624.42 | 3413.60 | 10210.82 | 745567.65 |
| 58 | 2029-08 | 13624.42 | 3367.48 | 10256.94 | 735310.71 |
| 59 | 2029-09 | 13624.42 | 3321.15 | 10303.26 | 725007.44 |
| 60 | 2029-10 | 13624.42 | 3274.62 | 10349.80 | 714657.64 |
| 61 | 2029-11 | 13624.42 | 3227.87 | 10396.55 | 704261.09 |
| 62 | 2029-12 | 13624.42 | 3180.91 | 10443.51 | 693817.59 |
| 63 | 2030-01 | 13624.42 | 3133.74 | 10490.68 | 683326.91 |
| 64 | 2030-02 | 13624.42 | 3086.36 | 10538.06 | 672788.86 |
| 65 | 2030-03 | 13624.42 | 3038.76 | 10585.66 | 662203.20 |
| 66 | 2030-04 | 13624.42 | 2990.95 | 10633.47 | 651569.73 |
| 67 | 2030-05 | 13624.42 | 2942.92 | 10681.49 | 640888.24 |
| 68 | 2030-06 | 13624.42 | 2894.68 | 10729.74 | 630158.50 |
| 69 | 2030-07 | 13624.42 | 2846.22 | 10778.20 | 619380.30 |
| 70 | 2030-08 | 13624.42 | 2797.53 | 10826.88 | 608553.41 |
| 71 | 2030-09 | 13624.42 | 2748.63 | 10875.79 | 597677.63 |
| 72 | 2030-10 | 13624.42 | 2699.51 | 10924.91 | 586752.72 |
| 73 | 2030-11 | 13624.42 | 2650.17 | 10974.25 | 575778.47 |
| 74 | 2030-12 | 13624.42 | 2600.60 | 11023.82 | 564754.65 |
| 75 | 2031-01 | 13624.42 | 2550.81 | 11073.61 | 553681.04 |
| 76 | 2031-02 | 13624.42 | 2500.79 | 11123.63 | 542557.42 |
| 77 | 2031-03 | 13624.42 | 2450.55 | 11173.87 | 531383.55 |
| 78 | 2031-04 | 13624.42 | 2400.08 | 11224.34 | 520159.21 |
| 79 | 2031-05 | 13624.42 | 2349.39 | 11275.03 | 508884.18 |
| 80 | 2031-06 | 13624.42 | 2298.46 | 11325.96 | 497558.22 |
| 81 | 2031-07 | 13624.42 | 2247.30 | 11377.11 | 486181.11 |
| 82 | 2031-08 | 13624.42 | 2195.92 | 11428.50 | 474752.61 |
| 83 | 2031-09 | 13624.42 | 2144.30 | 11480.12 | 463272.49 |
| 84 | 2031-10 | 13624.42 | 2092.45 | 11531.97 | 451740.52 |
| 85 | 2031-11 | 13624.42 | 2040.36 | 11584.06 | 440156.46 |
| 86 | 2031-12 | 13624.42 | 1988.04 | 11636.38 | 428520.08 |
| 87 | 2032-01 | 13624.42 | 1935.48 | 11688.94 | 416831.15 |
| 88 | 2032-02 | 13624.42 | 1882.69 | 11741.73 | 405089.42 |
| 89 | 2032-03 | 13624.42 | 1829.65 | 11794.76 | 393294.65 |
| 90 | 2032-04 | 13624.42 | 1776.38 | 11848.04 | 381446.62 |
| 91 | 2032-05 | 13624.42 | 1722.87 | 11901.55 | 369545.07 |
| 92 | 2032-06 | 13624.42 | 1669.11 | 11955.31 | 357589.76 |
| 93 | 2032-07 | 13624.42 | 1615.11 | 12009.30 | 345580.46 |
| 94 | 2032-08 | 13624.42 | 1560.87 | 12063.55 | 333516.91 |
| 95 | 2032-09 | 13624.42 | 1506.38 | 12118.03 | 321398.88 |
| 96 | 2032-10 | 13624.42 | 1451.65 | 12172.77 | 309226.11 |
| 97 | 2032-11 | 13624.42 | 1396.67 | 12227.75 | 296998.36 |
| 98 | 2032-12 | 13624.42 | 1341.44 | 12282.98 | 284715.39 |
| 99 | 2033-01 | 13624.42 | 1285.96 | 12338.45 | 272376.93 |
| 100 | 2033-02 | 13624.42 | 1230.24 | 12394.18 | 259982.75 |
| 101 | 2033-03 | 13624.42 | 1174.26 | 12450.16 | 247532.59 |
| 102 | 2033-04 | 13624.42 | 1118.02 | 12506.40 | 235026.19 |
| 103 | 2033-05 | 13624.42 | 1061.53 | 12562.88 | 222463.31 |
| 104 | 2033-06 | 13624.42 | 1004.79 | 12619.63 | 209843.68 |
| 105 | 2033-07 | 13624.42 | 947.79 | 12676.62 | 197167.06 |
| 106 | 2033-08 | 13624.42 | 890.54 | 12733.88 | 184433.18 |
| 107 | 2033-09 | 13624.42 | 833.02 | 12791.39 | 171641.79 |
| 108 | 2033-10 | 13624.42 | 775.25 | 12849.17 | 158792.62 |
| 109 | 2033-11 | 13624.42 | 717.21 | 12907.20 | 145885.41 |
| 110 | 2033-12 | 13624.42 | 658.92 | 12965.50 | 132919.91 |
| 111 | 2034-01 | 13624.42 | 600.35 | 13024.06 | 119895.85 |
| 112 | 2034-02 | 13624.42 | 541.53 | 13082.89 | 106812.96 |
| 113 | 2034-03 | 13624.42 | 482.44 | 13141.98 | 93670.98 |
| 114 | 2034-04 | 13624.42 | 423.08 | 13201.34 | 80469.64 |
| 115 | 2034-05 | 13624.42 | 363.45 | 13260.96 | 67208.68 |
| 116 | 2034-06 | 13624.42 | 303.56 | 13320.86 | 53887.82 |
| 117 | 2034-07 | 13624.42 | 243.39 | 13381.02 | 40506.79 |
| 118 | 2034-08 | 13624.42 | 182.96 | 13441.46 | 27065.33 |
| 119 | 2034-09 | 13624.42 | 122.25 | 13502.17 | 13563.16 |
| 120 | 2034-10 | 13624.42 | 61.26 | 13563.16 | 0.00 |
还款方式二：等额本金
贷款总额：126万
还款月数：10年
首月还款：16191元
每月递减：47.43元
利息总额：34.43万
本息合计：160.43万
节省利息：30624.67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 | 16191.00 | 5691.00 | 10500.00 | 1249500.00 |
| 2 | 2024-12 | 16143.58 | 5643.57 | 10500.00 | 1239000.00 |
| 3 | 2025-01 | 16096.15 | 5596.15 | 10500.00 | 1228500.00 |
| 4 | 2025-02 | 16048.72 | 5548.72 | 10500.00 | 1218000.00 |
| 5 | 2025-03 | 16001.30 | 5501.30 | 10500.00 | 1207500.00 |
| 6 | 2025-04 | 15953.88 | 5453.87 | 10500.00 | 1197000.00 |
| 7 | 2025-05 | 15906.45 | 5406.45 | 10500.00 | 1186500.00 |
| 8 | 2025-06 | 15859.02 | 5359.02 | 10500.00 | 1176000.00 |
| 9 | 2025-07 | 15811.60 | 5311.60 | 10500.00 | 1165500.00 |
| 10 | 2025-08 | 15764.17 | 5264.17 | 10500.00 | 1155000.00 |
| 11 | 2025-09 | 15716.75 | 5216.75 | 10500.00 | 1144500.00 |
| 12 | 2025-10 | 15669.33 | 5169.32 | 10500.00 | 1134000.00 |
| 13 | 2025-11 | 15621.90 | 5121.90 | 10500.00 | 1123500.00 |
| 14 | 2025-12 | 15574.47 | 5074.47 | 10500.00 | 1113000.00 |
| 15 | 2026-01 | 15527.05 | 5027.05 | 10500.00 | 1102500.00 |
| 16 | 2026-02 | 15479.63 | 4979.62 | 10500.00 | 1092000.00 |
| 17 | 2026-03 | 15432.20 | 4932.20 | 10500.00 | 1081500.00 |
| 18 | 2026-04 | 15384.77 | 4884.77 | 10500.00 | 1071000.00 |
| 19 | 2026-05 | 15337.35 | 4837.35 | 10500.00 | 1060500.00 |
| 20 | 2026-06 | 15289.92 | 4789.92 | 10500.00 | 1050000.00 |
| 21 | 2026-07 | 15242.50 | 4742.50 | 10500.00 | 1039500.00 |
| 22 | 2026-08 | 15195.08 | 4695.07 | 10500.00 | 1029000.00 |
| 23 | 2026-09 | 15147.65 | 4647.65 | 10500.00 | 1018500.00 |
| 24 | 2026-10 | 15100.22 | 4600.22 | 10500.00 | 1008000.00 |
| 25 | 2026-11 | 15052.80 | 4552.80 | 10500.00 | 997500.00 |
| 26 | 2026-12 | 15005.38 | 4505.38 | 10500.00 | 987000.00 |
| 27 | 2027-01 | 14957.95 | 4457.95 | 10500.00 | 976500.00 |
| 28 | 2027-02 | 14910.52 | 4410.52 | 10500.00 | 966000.00 |
| 29 | 2027-03 | 14863.10 | 4363.10 | 10500.00 | 955500.00 |
| 30 | 2027-04 | 14815.67 | 4315.67 | 10500.00 | 945000.00 |
| 31 | 2027-05 | 14768.25 | 4268.25 | 10500.00 | 934500.00 |
| 32 | 2027-06 | 14720.83 | 4220.82 | 10500.00 | 924000.00 |
| 33 | 2027-07 | 14673.40 | 4173.40 | 10500.00 | 913500.00 |
| 34 | 2027-08 | 14625.97 | 4125.97 | 10500.00 | 903000.00 |
| 35 | 2027-09 | 14578.55 | 4078.55 | 10500.00 | 892500.00 |
| 36 | 2027-10 | 14531.13 | 4031.12 | 10500.00 | 882000.00 |
| 37 | 2027-11 | 14483.70 | 3983.70 | 10500.00 | 871500.00 |
| 38 | 2027-12 | 14436.27 | 3936.27 | 10500.00 | 861000.00 |
| 39 | 2028-01 | 14388.85 | 3888.85 | 10500.00 | 850500.00 |
| 40 | 2028-02 | 14341.42 | 3841.42 | 10500.00 | 840000.00 |
| 41 | 2028-03 | 14294.00 | 3794.00 | 10500.00 | 829500.00 |
| 42 | 2028-04 | 14246.58 | 3746.57 | 10500.00 | 819000.00 |
| 43 | 2028-05 | 14199.15 | 3699.15 | 10500.00 | 808500.00 |
| 44 | 2028-06 | 14151.72 | 3651.72 | 10500.00 | 798000.00 |
| 45 | 2028-07 | 14104.30 | 3604.30 | 10500.00 | 787500.00 |
| 46 | 2028-08 | 14056.88 | 3556.87 | 10500.00 | 777000.00 |
| 47 | 2028-09 | 14009.45 | 3509.45 | 10500.00 | 766500.00 |
| 48 | 2028-10 | 13962.02 | 3462.02 | 10500.00 | 756000.00 |
| 49 | 2028-11 | 13914.60 | 3414.60 | 10500.00 | 745500.00 |
| 50 | 2028-12 | 13867.17 | 3367.17 | 10500.00 | 735000.00 |
| 51 | 2029-01 | 13819.75 | 3319.75 | 10500.00 | 724500.00 |
| 52 | 2029-02 | 13772.33 | 3272.32 | 10500.00 | 714000.00 |
| 53 | 2029-03 | 13724.90 | 3224.90 | 10500.00 | 703500.00 |
| 54 | 2029-04 | 13677.48 | 3177.47 | 10500.00 | 693000.00 |
| 55 | 2029-05 | 13630.05 | 3130.05 | 10500.00 | 682500.00 |
| 56 | 2029-06 | 13582.63 | 3082.62 | 10500.00 | 672000.00 |
| 57 | 2029-07 | 13535.20 | 3035.20 | 10500.00 | 661500.00 |
| 58 | 2029-08 | 13487.77 | 2987.77 | 10500.00 | 651000.00 |
| 59 | 2029-09 | 13440.35 | 2940.35 | 10500.00 | 640500.00 |
| 60 | 2029-10 | 13392.92 | 2892.92 | 10500.00 | 630000.00 |
| 61 | 2029-11 | 13345.50 | 2845.50 | 10500.00 | 619500.00 |
| 62 | 2029-12 | 13298.08 | 2798.07 | 10500.00 | 609000.00 |
| 63 | 2030-01 | 13250.65 | 2750.65 | 10500.00 | 598500.00 |
| 64 | 2030-02 | 13203.23 | 2703.22 | 10500.00 | 588000.00 |
| 65 | 2030-03 | 13155.80 | 2655.80 | 10500.00 | 577500.00 |
| 66 | 2030-04 | 13108.38 | 2608.37 | 10500.00 | 567000.00 |
| 67 | 2030-05 | 13060.95 | 2560.95 | 10500.00 | 556500.00 |
| 68 | 2030-06 | 13013.52 | 2513.52 | 10500.00 | 546000.00 |
| 69 | 2030-07 | 12966.10 | 2466.10 | 10500.00 | 535500.00 |
| 70 | 2030-08 | 12918.67 | 2418.67 | 10500.00 | 525000.00 |
| 71 | 2030-09 | 12871.25 | 2371.25 | 10500.00 | 514500.00 |
| 72 | 2030-10 | 12823.83 | 2323.82 | 10500.00 | 504000.00 |
| 73 | 2030-11 | 12776.40 | 2276.40 | 10500.00 | 493500.00 |
| 74 | 2030-12 | 12728.98 | 2228.97 | 10500.00 | 483000.00 |
| 75 | 2031-01 | 12681.55 | 2181.55 | 10500.00 | 472500.00 |
| 76 | 2031-02 | 12634.13 | 2134.13 | 10500.00 | 462000.00 |
| 77 | 2031-03 | 12586.70 | 2086.70 | 10500.00 | 451500.00 |
| 78 | 2031-04 | 12539.27 | 2039.27 | 10500.00 | 441000.00 |
| 79 | 2031-05 | 12491.85 | 1991.85 | 10500.00 | 430500.00 |
| 80 | 2031-06 | 12444.42 | 1944.42 | 10500.00 | 420000.00 |
| 81 | 2031-07 | 12397.00 | 1897.00 | 10500.00 | 409500.00 |
| 82 | 2031-08 | 12349.58 | 1849.57 | 10500.00 | 399000.00 |
| 83 | 2031-09 | 12302.15 | 1802.15 | 10500.00 | 388500.00 |
| 84 | 2031-10 | 12254.73 | 1754.72 | 10500.00 | 378000.00 |
| 85 | 2031-11 | 12207.30 | 1707.30 | 10500.00 | 367500.00 |
| 86 | 2031-12 | 12159.88 | 1659.87 | 10500.00 | 357000.00 |
| 87 | 2032-01 | 12112.45 | 1612.45 | 10500.00 | 346500.00 |
| 88 | 2032-02 | 12065.02 | 1565.02 | 10500.00 | 336000.00 |
| 89 | 2032-03 | 12017.60 | 1517.60 | 10500.00 | 325500.00 |
| 90 | 2032-04 | 11970.17 | 1470.17 | 10500.00 | 315000.00 |
| 91 | 2032-05 | 11922.75 | 1422.75 | 10500.00 | 304500.00 |
| 92 | 2032-06 | 11875.33 | 1375.32 | 10500.00 | 294000.00 |
| 93 | 2032-07 | 11827.90 | 1327.90 | 10500.00 | 283500.00 |
| 94 | 2032-08 | 11780.48 | 1280.47 | 10500.00 | 273000.00 |
| 95 | 2032-09 | 11733.05 | 1233.05 | 10500.00 | 262500.00 |
| 96 | 2032-10 | 11685.63 | 1185.62 | 10500.00 | 252000.00 |
| 97 | 2032-11 | 11638.20 | 1138.20 | 10500.00 | 241500.00 |
| 98 | 2032-12 | 11590.77 | 1090.77 | 10500.00 | 231000.00 |
| 99 | 2033-01 | 11543.35 | 1043.35 | 10500.00 | 220500.00 |
| 100 | 2033-02 | 11495.92 | 995.92 | 10500.00 | 210000.00 |
| 101 | 2033-03 | 11448.50 | 948.50 | 10500.00 | 199500.00 |
| 102 | 2033-04 | 11401.08 | 901.07 | 10500.00 | 189000.00 |
| 103 | 2033-05 | 11353.65 | 853.65 | 10500.00 | 178500.00 |
| 104 | 2033-06 | 11306.23 | 806.22 | 10500.00 | 168000.00 |
| 105 | 2033-07 | 11258.80 | 758.80 | 10500.00 | 157500.00 |
| 106 | 2033-08 | 11211.38 | 711.37 | 10500.00 | 147000.00 |
| 107 | 2033-09 | 11163.95 | 663.95 | 10500.00 | 136500.00 |
| 108 | 2033-10 | 11116.52 | 616.52 | 10500.00 | 126000.00 |
| 109 | 2033-11 | 11069.10 | 569.10 | 10500.00 | 115500.00 |
| 110 | 2033-12 | 11021.67 | 521.67 | 10500.00 | 105000.00 |
| 111 | 2034-01 | 10974.25 | 474.25 | 10500.00 | 94500.00 |
| 112 | 2034-02 | 10926.83 | 426.82 | 10500.00 | 84000.00 |
| 113 | 2034-03 | 10879.40 | 379.40 | 10500.00 | 73500.00 |
| 114 | 2034-04 | 10831.98 | 331.97 | 10500.00 | 63000.00 |
| 115 | 2034-05 | 10784.55 | 284.55 | 10500.00 | 52500.00 |
| 116 | 2034-06 | 10737.13 | 237.12 | 10500.00 | 42000.00 |
| 117 | 2034-07 | 10689.70 | 189.70 | 10500.00 | 31500.00 |
| 118 | 2034-08 | 10642.27 | 142.27 | 10500.00 | 21000.00 |
| 119 | 2034-09 | 10594.85 | 94.85 | 10500.00 | 10500.00 |
| 120 | 2034-10 | 10547.42 | 47.42 | 10500.00 | 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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