贷款122万(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:122万
还款月数:10年
每月还款:11724.18元
利息总额:18.69万
本息合计:140.69万
| 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 | 11724.18 | 2948.33 | 8775.85 | 1211224.15 |
| 2 | 2024-12 | 11724.18 | 2927.13 | 8797.05 | 1202427.10 |
| 3 | 2025-01 | 11724.18 | 2905.87 | 8818.31 | 1193608.79 |
| 4 | 2025-02 | 11724.18 | 2884.55 | 8839.62 | 1184769.16 |
| 5 | 2025-03 | 11724.18 | 2863.19 | 8860.99 | 1175908.17 |
| 6 | 2025-04 | 11724.18 | 2841.78 | 8882.40 | 1167025.77 |
| 7 | 2025-05 | 11724.18 | 2820.31 | 8903.87 | 1158121.91 |
| 8 | 2025-06 | 11724.18 | 2798.79 | 8925.38 | 1149196.52 |
| 9 | 2025-07 | 11724.18 | 2777.22 | 8946.95 | 1140249.57 |
| 10 | 2025-08 | 11724.18 | 2755.60 | 8968.58 | 1131280.99 |
| 11 | 2025-09 | 11724.18 | 2733.93 | 8990.25 | 1122290.74 |
| 12 | 2025-10 | 11724.18 | 2712.20 | 9011.98 | 1113278.76 |
| 13 | 2025-11 | 11724.18 | 2690.42 | 9033.76 | 1104245.01 |
| 14 | 2025-12 | 11724.18 | 2668.59 | 9055.59 | 1095189.42 |
| 15 | 2026-01 | 11724.18 | 2646.71 | 9077.47 | 1086111.95 |
| 16 | 2026-02 | 11724.18 | 2624.77 | 9099.41 | 1077012.54 |
| 17 | 2026-03 | 11724.18 | 2602.78 | 9121.40 | 1067891.14 |
| 18 | 2026-04 | 11724.18 | 2580.74 | 9143.44 | 1058747.70 |
| 19 | 2026-05 | 11724.18 | 2558.64 | 9165.54 | 1049582.16 |
| 20 | 2026-06 | 11724.18 | 2536.49 | 9187.69 | 1040394.47 |
| 21 | 2026-07 | 11724.18 | 2514.29 | 9209.89 | 1031184.58 |
| 22 | 2026-08 | 11724.18 | 2492.03 | 9232.15 | 1021952.43 |
| 23 | 2026-09 | 11724.18 | 2469.72 | 9254.46 | 1012697.97 |
| 24 | 2026-10 | 11724.18 | 2447.35 | 9276.83 | 1003421.14 |
| 25 | 2026-11 | 11724.18 | 2424.93 | 9299.24 | 994121.90 |
| 26 | 2026-12 | 11724.18 | 2402.46 | 9321.72 | 984800.18 |
| 27 | 2027-01 | 11724.18 | 2379.93 | 9344.25 | 975455.94 |
| 28 | 2027-02 | 11724.18 | 2357.35 | 9366.83 | 966089.11 |
| 29 | 2027-03 | 11724.18 | 2334.72 | 9389.46 | 956699.64 |
| 30 | 2027-04 | 11724.18 | 2312.02 | 9412.16 | 947287.49 |
| 31 | 2027-05 | 11724.18 | 2289.28 | 9434.90 | 937852.59 |
| 32 | 2027-06 | 11724.18 | 2266.48 | 9457.70 | 928394.89 |
| 33 | 2027-07 | 11724.18 | 2243.62 | 9480.56 | 918914.33 |
| 34 | 2027-08 | 11724.18 | 2220.71 | 9503.47 | 909410.86 |
| 35 | 2027-09 | 11724.18 | 2197.74 | 9526.44 | 899884.42 |
| 36 | 2027-10 | 11724.18 | 2174.72 | 9549.46 | 890334.96 |
| 37 | 2027-11 | 11724.18 | 2151.64 | 9572.54 | 880762.43 |
| 38 | 2027-12 | 11724.18 | 2128.51 | 9595.67 | 871166.76 |
| 39 | 2028-01 | 11724.18 | 2105.32 | 9618.86 | 861547.90 |
| 40 | 2028-02 | 11724.18 | 2082.07 | 9642.11 | 851905.79 |
| 41 | 2028-03 | 11724.18 | 2058.77 | 9665.41 | 842240.38 |
| 42 | 2028-04 | 11724.18 | 2035.41 | 9688.76 | 832551.62 |
| 43 | 2028-05 | 11724.18 | 2012.00 | 9712.18 | 822839.44 |
| 44 | 2028-06 | 11724.18 | 1988.53 | 9735.65 | 813103.79 |
| 45 | 2028-07 | 11724.18 | 1965.00 | 9759.18 | 803344.61 |
| 46 | 2028-08 | 11724.18 | 1941.42 | 9782.76 | 793561.85 |
| 47 | 2028-09 | 11724.18 | 1917.77 | 9806.40 | 783755.44 |
| 48 | 2028-10 | 11724.18 | 1894.08 | 9830.10 | 773925.34 |
| 49 | 2028-11 | 11724.18 | 1870.32 | 9853.86 | 764071.48 |
| 50 | 2028-12 | 11724.18 | 1846.51 | 9877.67 | 754193.81 |
| 51 | 2029-01 | 11724.18 | 1822.64 | 9901.54 | 744292.26 |
| 52 | 2029-02 | 11724.18 | 1798.71 | 9925.47 | 734366.79 |
| 53 | 2029-03 | 11724.18 | 1774.72 | 9949.46 | 724417.33 |
| 54 | 2029-04 | 11724.18 | 1750.68 | 9973.50 | 714443.83 |
| 55 | 2029-05 | 11724.18 | 1726.57 | 9997.61 | 704446.22 |
| 56 | 2029-06 | 11724.18 | 1702.41 | 10021.77 | 694424.45 |
| 57 | 2029-07 | 11724.18 | 1678.19 | 10045.99 | 684378.47 |
| 58 | 2029-08 | 11724.18 | 1653.91 | 10070.26 | 674308.20 |
| 59 | 2029-09 | 11724.18 | 1629.58 | 10094.60 | 664213.60 |
| 60 | 2029-10 | 11724.18 | 1605.18 | 10119.00 | 654094.60 |
| 61 | 2029-11 | 11724.18 | 1580.73 | 10143.45 | 643951.15 |
| 62 | 2029-12 | 11724.18 | 1556.22 | 10167.96 | 633783.19 |
| 63 | 2030-01 | 11724.18 | 1531.64 | 10192.54 | 623590.65 |
| 64 | 2030-02 | 11724.18 | 1507.01 | 10217.17 | 613373.48 |
| 65 | 2030-03 | 11724.18 | 1482.32 | 10241.86 | 603131.62 |
| 66 | 2030-04 | 11724.18 | 1457.57 | 10266.61 | 592865.01 |
| 67 | 2030-05 | 11724.18 | 1432.76 | 10291.42 | 582573.59 |
| 68 | 2030-06 | 11724.18 | 1407.89 | 10316.29 | 572257.30 |
| 69 | 2030-07 | 11724.18 | 1382.96 | 10341.22 | 561916.07 |
| 70 | 2030-08 | 11724.18 | 1357.96 | 10366.22 | 551549.86 |
| 71 | 2030-09 | 11724.18 | 1332.91 | 10391.27 | 541158.59 |
| 72 | 2030-10 | 11724.18 | 1307.80 | 10416.38 | 530742.21 |
| 73 | 2030-11 | 11724.18 | 1282.63 | 10441.55 | 520300.66 |
| 74 | 2030-12 | 11724.18 | 1257.39 | 10466.79 | 509833.87 |
| 75 | 2031-01 | 11724.18 | 1232.10 | 10492.08 | 499341.79 |
| 76 | 2031-02 | 11724.18 | 1206.74 | 10517.44 | 488824.36 |
| 77 | 2031-03 | 11724.18 | 1181.33 | 10542.85 | 478281.50 |
| 78 | 2031-04 | 11724.18 | 1155.85 | 10568.33 | 467713.17 |
| 79 | 2031-05 | 11724.18 | 1130.31 | 10593.87 | 457119.30 |
| 80 | 2031-06 | 11724.18 | 1104.70 | 10619.47 | 446499.82 |
| 81 | 2031-07 | 11724.18 | 1079.04 | 10645.14 | 435854.69 |
| 82 | 2031-08 | 11724.18 | 1053.32 | 10670.86 | 425183.82 |
| 83 | 2031-09 | 11724.18 | 1027.53 | 10696.65 | 414487.17 |
| 84 | 2031-10 | 11724.18 | 1001.68 | 10722.50 | 403764.67 |
| 85 | 2031-11 | 11724.18 | 975.76 | 10748.41 | 393016.25 |
| 86 | 2031-12 | 11724.18 | 949.79 | 10774.39 | 382241.86 |
| 87 | 2032-01 | 11724.18 | 923.75 | 10800.43 | 371441.44 |
| 88 | 2032-02 | 11724.18 | 897.65 | 10826.53 | 360614.91 |
| 89 | 2032-03 | 11724.18 | 871.49 | 10852.69 | 349762.21 |
| 90 | 2032-04 | 11724.18 | 845.26 | 10878.92 | 338883.29 |
| 91 | 2032-05 | 11724.18 | 818.97 | 10905.21 | 327978.08 |
| 92 | 2032-06 | 11724.18 | 792.61 | 10931.57 | 317046.52 |
| 93 | 2032-07 | 11724.18 | 766.20 | 10957.98 | 306088.53 |
| 94 | 2032-08 | 11724.18 | 739.71 | 10984.47 | 295104.07 |
| 95 | 2032-09 | 11724.18 | 713.17 | 11011.01 | 284093.06 |
| 96 | 2032-10 | 11724.18 | 686.56 | 11037.62 | 273055.43 |
| 97 | 2032-11 | 11724.18 | 659.88 | 11064.30 | 261991.14 |
| 98 | 2032-12 | 11724.18 | 633.15 | 11091.03 | 250900.11 |
| 99 | 2033-01 | 11724.18 | 606.34 | 11117.84 | 239782.27 |
| 100 | 2033-02 | 11724.18 | 579.47 | 11144.71 | 228637.56 |
| 101 | 2033-03 | 11724.18 | 552.54 | 11171.64 | 217465.92 |
| 102 | 2033-04 | 11724.18 | 525.54 | 11198.64 | 206267.29 |
| 103 | 2033-05 | 11724.18 | 498.48 | 11225.70 | 195041.59 |
| 104 | 2033-06 | 11724.18 | 471.35 | 11252.83 | 183788.76 |
| 105 | 2033-07 | 11724.18 | 444.16 | 11280.02 | 172508.74 |
| 106 | 2033-08 | 11724.18 | 416.90 | 11307.28 | 161201.45 |
| 107 | 2033-09 | 11724.18 | 389.57 | 11334.61 | 149866.84 |
| 108 | 2033-10 | 11724.18 | 362.18 | 11362.00 | 138504.84 |
| 109 | 2033-11 | 11724.18 | 334.72 | 11389.46 | 127115.38 |
| 110 | 2033-12 | 11724.18 | 307.20 | 11416.98 | 115698.40 |
| 111 | 2034-01 | 11724.18 | 279.60 | 11444.57 | 104253.83 |
| 112 | 2034-02 | 11724.18 | 251.95 | 11472.23 | 92781.59 |
| 113 | 2034-03 | 11724.18 | 224.22 | 11499.96 | 81281.64 |
| 114 | 2034-04 | 11724.18 | 196.43 | 11527.75 | 69753.89 |
| 115 | 2034-05 | 11724.18 | 168.57 | 11555.61 | 58198.28 |
| 116 | 2034-06 | 11724.18 | 140.65 | 11583.53 | 46614.75 |
| 117 | 2034-07 | 11724.18 | 112.65 | 11611.53 | 35003.22 |
| 118 | 2034-08 | 11724.18 | 84.59 | 11639.59 | 23363.63 |
| 119 | 2034-09 | 11724.18 | 56.46 | 11667.72 | 11695.91 |
| 120 | 2034-10 | 11724.18 | 28.27 | 11695.91 | 0.00 |
还款方式二:等额本金
贷款总额:122万
还款月数:10年
首月还款:13115元
每月递减:24.57元
利息总额:17.84万
本息合计:139.84万
节省利息:8527.34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 | 13115.00 | 2948.33 | 10166.67 | 1209833.33 |
| 2 | 2024-12 | 13090.43 | 2923.76 | 10166.67 | 1199666.67 |
| 3 | 2025-01 | 13065.86 | 2899.19 | 10166.67 | 1189500.00 |
| 4 | 2025-02 | 13041.29 | 2874.62 | 10166.67 | 1179333.33 |
| 5 | 2025-03 | 13016.72 | 2850.06 | 10166.67 | 1169166.67 |
| 6 | 2025-04 | 12992.15 | 2825.49 | 10166.67 | 1159000.00 |
| 7 | 2025-05 | 12967.58 | 2800.92 | 10166.67 | 1148833.33 |
| 8 | 2025-06 | 12943.01 | 2776.35 | 10166.67 | 1138666.67 |
| 9 | 2025-07 | 12918.44 | 2751.78 | 10166.67 | 1128500.00 |
| 10 | 2025-08 | 12893.88 | 2727.21 | 10166.67 | 1118333.33 |
| 11 | 2025-09 | 12869.31 | 2702.64 | 10166.67 | 1108166.67 |
| 12 | 2025-10 | 12844.74 | 2678.07 | 10166.67 | 1098000.00 |
| 13 | 2025-11 | 12820.17 | 2653.50 | 10166.67 | 1087833.33 |
| 14 | 2025-12 | 12795.60 | 2628.93 | 10166.67 | 1077666.67 |
| 15 | 2026-01 | 12771.03 | 2604.36 | 10166.67 | 1067500.00 |
| 16 | 2026-02 | 12746.46 | 2579.79 | 10166.67 | 1057333.33 |
| 17 | 2026-03 | 12721.89 | 2555.22 | 10166.67 | 1047166.67 |
| 18 | 2026-04 | 12697.32 | 2530.65 | 10166.67 | 1037000.00 |
| 19 | 2026-05 | 12672.75 | 2506.08 | 10166.67 | 1026833.33 |
| 20 | 2026-06 | 12648.18 | 2481.51 | 10166.67 | 1016666.67 |
| 21 | 2026-07 | 12623.61 | 2456.94 | 10166.67 | 1006500.00 |
| 22 | 2026-08 | 12599.04 | 2432.37 | 10166.67 | 996333.33 |
| 23 | 2026-09 | 12574.47 | 2407.81 | 10166.67 | 986166.67 |
| 24 | 2026-10 | 12549.90 | 2383.24 | 10166.67 | 976000.00 |
| 25 | 2026-11 | 12525.33 | 2358.67 | 10166.67 | 965833.33 |
| 26 | 2026-12 | 12500.76 | 2334.10 | 10166.67 | 955666.67 |
| 27 | 2027-01 | 12476.19 | 2309.53 | 10166.67 | 945500.00 |
| 28 | 2027-02 | 12451.63 | 2284.96 | 10166.67 | 935333.33 |
| 29 | 2027-03 | 12427.06 | 2260.39 | 10166.67 | 925166.67 |
| 30 | 2027-04 | 12402.49 | 2235.82 | 10166.67 | 915000.00 |
| 31 | 2027-05 | 12377.92 | 2211.25 | 10166.67 | 904833.33 |
| 32 | 2027-06 | 12353.35 | 2186.68 | 10166.67 | 894666.67 |
| 33 | 2027-07 | 12328.78 | 2162.11 | 10166.67 | 884500.00 |
| 34 | 2027-08 | 12304.21 | 2137.54 | 10166.67 | 874333.33 |
| 35 | 2027-09 | 12279.64 | 2112.97 | 10166.67 | 864166.67 |
| 36 | 2027-10 | 12255.07 | 2088.40 | 10166.67 | 854000.00 |
| 37 | 2027-11 | 12230.50 | 2063.83 | 10166.67 | 843833.33 |
| 38 | 2027-12 | 12205.93 | 2039.26 | 10166.67 | 833666.67 |
| 39 | 2028-01 | 12181.36 | 2014.69 | 10166.67 | 823500.00 |
| 40 | 2028-02 | 12156.79 | 1990.12 | 10166.67 | 813333.33 |
| 41 | 2028-03 | 12132.22 | 1965.56 | 10166.67 | 803166.67 |
| 42 | 2028-04 | 12107.65 | 1940.99 | 10166.67 | 793000.00 |
| 43 | 2028-05 | 12083.08 | 1916.42 | 10166.67 | 782833.33 |
| 44 | 2028-06 | 12058.51 | 1891.85 | 10166.67 | 772666.67 |
| 45 | 2028-07 | 12033.94 | 1867.28 | 10166.67 | 762500.00 |
| 46 | 2028-08 | 12009.38 | 1842.71 | 10166.67 | 752333.33 |
| 47 | 2028-09 | 11984.81 | 1818.14 | 10166.67 | 742166.67 |
| 48 | 2028-10 | 11960.24 | 1793.57 | 10166.67 | 732000.00 |
| 49 | 2028-11 | 11935.67 | 1769.00 | 10166.67 | 721833.33 |
| 50 | 2028-12 | 11911.10 | 1744.43 | 10166.67 | 711666.67 |
| 51 | 2029-01 | 11886.53 | 1719.86 | 10166.67 | 701500.00 |
| 52 | 2029-02 | 11861.96 | 1695.29 | 10166.67 | 691333.33 |
| 53 | 2029-03 | 11837.39 | 1670.72 | 10166.67 | 681166.67 |
| 54 | 2029-04 | 11812.82 | 1646.15 | 10166.67 | 671000.00 |
| 55 | 2029-05 | 11788.25 | 1621.58 | 10166.67 | 660833.33 |
| 56 | 2029-06 | 11763.68 | 1597.01 | 10166.67 | 650666.67 |
| 57 | 2029-07 | 11739.11 | 1572.44 | 10166.67 | 640500.00 |
| 58 | 2029-08 | 11714.54 | 1547.87 | 10166.67 | 630333.33 |
| 59 | 2029-09 | 11689.97 | 1523.31 | 10166.67 | 620166.67 |
| 60 | 2029-10 | 11665.40 | 1498.74 | 10166.67 | 610000.00 |
| 61 | 2029-11 | 11640.83 | 1474.17 | 10166.67 | 599833.33 |
| 62 | 2029-12 | 11616.26 | 1449.60 | 10166.67 | 589666.67 |
| 63 | 2030-01 | 11591.69 | 1425.03 | 10166.67 | 579500.00 |
| 64 | 2030-02 | 11567.13 | 1400.46 | 10166.67 | 569333.33 |
| 65 | 2030-03 | 11542.56 | 1375.89 | 10166.67 | 559166.67 |
| 66 | 2030-04 | 11517.99 | 1351.32 | 10166.67 | 549000.00 |
| 67 | 2030-05 | 11493.42 | 1326.75 | 10166.67 | 538833.33 |
| 68 | 2030-06 | 11468.85 | 1302.18 | 10166.67 | 528666.67 |
| 69 | 2030-07 | 11444.28 | 1277.61 | 10166.67 | 518500.00 |
| 70 | 2030-08 | 11419.71 | 1253.04 | 10166.67 | 508333.33 |
| 71 | 2030-09 | 11395.14 | 1228.47 | 10166.67 | 498166.67 |
| 72 | 2030-10 | 11370.57 | 1203.90 | 10166.67 | 488000.00 |
| 73 | 2030-11 | 11346.00 | 1179.33 | 10166.67 | 477833.33 |
| 74 | 2030-12 | 11321.43 | 1154.76 | 10166.67 | 467666.67 |
| 75 | 2031-01 | 11296.86 | 1130.19 | 10166.67 | 457500.00 |
| 76 | 2031-02 | 11272.29 | 1105.62 | 10166.67 | 447333.33 |
| 77 | 2031-03 | 11247.72 | 1081.06 | 10166.67 | 437166.67 |
| 78 | 2031-04 | 11223.15 | 1056.49 | 10166.67 | 427000.00 |
| 79 | 2031-05 | 11198.58 | 1031.92 | 10166.67 | 416833.33 |
| 80 | 2031-06 | 11174.01 | 1007.35 | 10166.67 | 406666.67 |
| 81 | 2031-07 | 11149.44 | 982.78 | 10166.67 | 396500.00 |
| 82 | 2031-08 | 11124.88 | 958.21 | 10166.67 | 386333.33 |
| 83 | 2031-09 | 11100.31 | 933.64 | 10166.67 | 376166.67 |
| 84 | 2031-10 | 11075.74 | 909.07 | 10166.67 | 366000.00 |
| 85 | 2031-11 | 11051.17 | 884.50 | 10166.67 | 355833.33 |
| 86 | 2031-12 | 11026.60 | 859.93 | 10166.67 | 345666.67 |
| 87 | 2032-01 | 11002.03 | 835.36 | 10166.67 | 335500.00 |
| 88 | 2032-02 | 10977.46 | 810.79 | 10166.67 | 325333.33 |
| 89 | 2032-03 | 10952.89 | 786.22 | 10166.67 | 315166.67 |
| 90 | 2032-04 | 10928.32 | 761.65 | 10166.67 | 305000.00 |
| 91 | 2032-05 | 10903.75 | 737.08 | 10166.67 | 294833.33 |
| 92 | 2032-06 | 10879.18 | 712.51 | 10166.67 | 284666.67 |
| 93 | 2032-07 | 10854.61 | 687.94 | 10166.67 | 274500.00 |
| 94 | 2032-08 | 10830.04 | 663.37 | 10166.67 | 264333.33 |
| 95 | 2032-09 | 10805.47 | 638.81 | 10166.67 | 254166.67 |
| 96 | 2032-10 | 10780.90 | 614.24 | 10166.67 | 244000.00 |
| 97 | 2032-11 | 10756.33 | 589.67 | 10166.67 | 233833.33 |
| 98 | 2032-12 | 10731.76 | 565.10 | 10166.67 | 223666.67 |
| 99 | 2033-01 | 10707.19 | 540.53 | 10166.67 | 213500.00 |
| 100 | 2033-02 | 10682.63 | 515.96 | 10166.67 | 203333.33 |
| 101 | 2033-03 | 10658.06 | 491.39 | 10166.67 | 193166.67 |
| 102 | 2033-04 | 10633.49 | 466.82 | 10166.67 | 183000.00 |
| 103 | 2033-05 | 10608.92 | 442.25 | 10166.67 | 172833.33 |
| 104 | 2033-06 | 10584.35 | 417.68 | 10166.67 | 162666.67 |
| 105 | 2033-07 | 10559.78 | 393.11 | 10166.67 | 152500.00 |
| 106 | 2033-08 | 10535.21 | 368.54 | 10166.67 | 142333.33 |
| 107 | 2033-09 | 10510.64 | 343.97 | 10166.67 | 132166.67 |
| 108 | 2033-10 | 10486.07 | 319.40 | 10166.67 | 122000.00 |
| 109 | 2033-11 | 10461.50 | 294.83 | 10166.67 | 111833.33 |
| 110 | 2033-12 | 10436.93 | 270.26 | 10166.67 | 101666.67 |
| 111 | 2034-01 | 10412.36 | 245.69 | 10166.67 | 91500.00 |
| 112 | 2034-02 | 10387.79 | 221.12 | 10166.67 | 81333.33 |
| 113 | 2034-03 | 10363.22 | 196.56 | 10166.67 | 71166.67 |
| 114 | 2034-04 | 10338.65 | 171.99 | 10166.67 | 61000.00 |
| 115 | 2034-05 | 10314.08 | 147.42 | 10166.67 | 50833.33 |
| 116 | 2034-06 | 10289.51 | 122.85 | 10166.67 | 40666.67 |
| 117 | 2034-07 | 10264.94 | 98.28 | 10166.67 | 30500.00 |
| 118 | 2034-08 | 10240.38 | 73.71 | 10166.67 | 20333.33 |
| 119 | 2034-09 | 10215.81 | 49.14 | 10166.67 | 10166.67 |
| 120 | 2034-10 | 10191.24 | 24.57 | 10166.67 | 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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