贷款210万（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：210万
还款月数：10年
每月还款：20618.8元
利息总额：37.43万
本息合计：247.43万
| 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 | 20618.80 | 5862.50 | 14756.30 | 2085243.70 |
| 2 | 2024-12 | 20618.80 | 5821.31 | 14797.49 | 2070446.22 |
| 3 | 2025-01 | 20618.80 | 5780.00 | 14838.80 | 2055607.42 |
| 4 | 2025-02 | 20618.80 | 5738.57 | 14880.22 | 2040727.19 |
| 5 | 2025-03 | 20618.80 | 5697.03 | 14921.77 | 2025805.43 |
| 6 | 2025-04 | 20618.80 | 5655.37 | 14963.42 | 2010842.00 |
| 7 | 2025-05 | 20618.80 | 5613.60 | 15005.19 | 1995836.81 |
| 8 | 2025-06 | 20618.80 | 5571.71 | 15047.08 | 1980789.73 |
| 9 | 2025-07 | 20618.80 | 5529.70 | 15089.09 | 1965700.64 |
| 10 | 2025-08 | 20618.80 | 5487.58 | 15131.21 | 1950569.42 |
| 11 | 2025-09 | 20618.80 | 5445.34 | 15173.46 | 1935395.97 |
| 12 | 2025-10 | 20618.80 | 5402.98 | 15215.81 | 1920180.15 |
| 13 | 2025-11 | 20618.80 | 5360.50 | 15258.29 | 1904921.86 |
| 14 | 2025-12 | 20618.80 | 5317.91 | 15300.89 | 1889620.97 |
| 15 | 2026-01 | 20618.80 | 5275.19 | 15343.60 | 1874277.37 |
| 16 | 2026-02 | 20618.80 | 5232.36 | 15386.44 | 1858890.93 |
| 17 | 2026-03 | 20618.80 | 5189.40 | 15429.39 | 1843461.54 |
| 18 | 2026-04 | 20618.80 | 5146.33 | 15472.47 | 1827989.07 |
| 19 | 2026-05 | 20618.80 | 5103.14 | 15515.66 | 1812473.41 |
| 20 | 2026-06 | 20618.80 | 5059.82 | 15558.97 | 1796914.44 |
| 21 | 2026-07 | 20618.80 | 5016.39 | 15602.41 | 1781312.03 |
| 22 | 2026-08 | 20618.80 | 4972.83 | 15645.97 | 1765666.07 |
| 23 | 2026-09 | 20618.80 | 4929.15 | 15689.64 | 1749976.42 |
| 24 | 2026-10 | 20618.80 | 4885.35 | 15733.44 | 1734242.98 |
| 25 | 2026-11 | 20618.80 | 4841.43 | 15777.37 | 1718465.61 |
| 26 | 2026-12 | 20618.80 | 4797.38 | 15821.41 | 1702644.20 |
| 27 | 2027-01 | 20618.80 | 4753.22 | 15865.58 | 1686778.62 |
| 28 | 2027-02 | 20618.80 | 4708.92 | 15909.87 | 1670868.75 |
| 29 | 2027-03 | 20618.80 | 4664.51 | 15954.29 | 1654914.46 |
| 30 | 2027-04 | 20618.80 | 4619.97 | 15998.83 | 1638915.64 |
| 31 | 2027-05 | 20618.80 | 4575.31 | 16043.49 | 1622872.15 |
| 32 | 2027-06 | 20618.80 | 4530.52 | 16088.28 | 1606783.87 |
| 33 | 2027-07 | 20618.80 | 4485.60 | 16133.19 | 1590650.68 |
| 34 | 2027-08 | 20618.80 | 4440.57 | 16178.23 | 1574472.45 |
| 35 | 2027-09 | 20618.80 | 4395.40 | 16223.39 | 1558249.06 |
| 36 | 2027-10 | 20618.80 | 4350.11 | 16268.68 | 1541980.37 |
| 37 | 2027-11 | 20618.80 | 4304.70 | 16314.10 | 1525666.27 |
| 38 | 2027-12 | 20618.80 | 4259.15 | 16359.64 | 1509306.63 |
| 39 | 2028-01 | 20618.80 | 4213.48 | 16405.31 | 1492901.32 |
| 40 | 2028-02 | 20618.80 | 4167.68 | 16451.11 | 1476450.20 |
| 41 | 2028-03 | 20618.80 | 4121.76 | 16497.04 | 1459953.17 |
| 42 | 2028-04 | 20618.80 | 4075.70 | 16543.09 | 1443410.07 |
| 43 | 2028-05 | 20618.80 | 4029.52 | 16589.28 | 1426820.80 |
| 44 | 2028-06 | 20618.80 | 3983.21 | 16635.59 | 1410185.21 |
| 45 | 2028-07 | 20618.80 | 3936.77 | 16682.03 | 1393503.18 |
| 46 | 2028-08 | 20618.80 | 3890.20 | 16728.60 | 1376774.58 |
| 47 | 2028-09 | 20618.80 | 3843.50 | 16775.30 | 1359999.28 |
| 48 | 2028-10 | 20618.80 | 3796.66 | 16822.13 | 1343177.15 |
| 49 | 2028-11 | 20618.80 | 3749.70 | 16869.09 | 1326308.06 |
| 50 | 2028-12 | 20618.80 | 3702.61 | 16916.19 | 1309391.88 |
| 51 | 2029-01 | 20618.80 | 3655.39 | 16963.41 | 1292428.47 |
| 52 | 2029-02 | 20618.80 | 3608.03 | 17010.77 | 1275417.70 |
| 53 | 2029-03 | 20618.80 | 3560.54 | 17058.25 | 1258359.45 |
| 54 | 2029-04 | 20618.80 | 3512.92 | 17105.88 | 1241253.57 |
| 55 | 2029-05 | 20618.80 | 3465.17 | 17153.63 | 1224099.94 |
| 56 | 2029-06 | 20618.80 | 3417.28 | 17201.52 | 1206898.43 |
| 57 | 2029-07 | 20618.80 | 3369.26 | 17249.54 | 1189648.89 |
| 58 | 2029-08 | 20618.80 | 3321.10 | 17297.69 | 1172351.20 |
| 59 | 2029-09 | 20618.80 | 3272.81 | 17345.98 | 1155005.22 |
| 60 | 2029-10 | 20618.80 | 3224.39 | 17394.41 | 1137610.81 |
| 61 | 2029-11 | 20618.80 | 3175.83 | 17442.96 | 1120167.85 |
| 62 | 2029-12 | 20618.80 | 3127.14 | 17491.66 | 1102676.19 |
| 63 | 2030-01 | 20618.80 | 3078.30 | 17540.49 | 1085135.70 |
| 64 | 2030-02 | 20618.80 | 3029.34 | 17589.46 | 1067546.24 |
| 65 | 2030-03 | 20618.80 | 2980.23 | 17638.56 | 1049907.68 |
| 66 | 2030-04 | 20618.80 | 2930.99 | 17687.80 | 1032219.87 |
| 67 | 2030-05 | 20618.80 | 2881.61 | 17737.18 | 1014482.69 |
| 68 | 2030-06 | 20618.80 | 2832.10 | 17786.70 | 996695.99 |
| 69 | 2030-07 | 20618.80 | 2782.44 | 17836.35 | 978859.64 |
| 70 | 2030-08 | 20618.80 | 2732.65 | 17886.15 | 960973.50 |
| 71 | 2030-09 | 20618.80 | 2682.72 | 17936.08 | 943037.42 |
| 72 | 2030-10 | 20618.80 | 2632.65 | 17986.15 | 925051.27 |
| 73 | 2030-11 | 20618.80 | 2582.43 | 18036.36 | 907014.91 |
| 74 | 2030-12 | 20618.80 | 2532.08 | 18086.71 | 888928.20 |
| 75 | 2031-01 | 20618.80 | 2481.59 | 18137.20 | 870790.99 |
| 76 | 2031-02 | 20618.80 | 2430.96 | 18187.84 | 852603.16 |
| 77 | 2031-03 | 20618.80 | 2380.18 | 18238.61 | 834364.55 |
| 78 | 2031-04 | 20618.80 | 2329.27 | 18289.53 | 816075.02 |
| 79 | 2031-05 | 20618.80 | 2278.21 | 18340.59 | 797734.43 |
| 80 | 2031-06 | 20618.80 | 2227.01 | 18391.79 | 779342.65 |
| 81 | 2031-07 | 20618.80 | 2175.66 | 18443.13 | 760899.52 |
| 82 | 2031-08 | 20618.80 | 2124.18 | 18494.62 | 742404.90 |
| 83 | 2031-09 | 20618.80 | 2072.55 | 18546.25 | 723858.65 |
| 84 | 2031-10 | 20618.80 | 2020.77 | 18598.02 | 705260.63 |
| 85 | 2031-11 | 20618.80 | 1968.85 | 18649.94 | 686610.68 |
| 86 | 2031-12 | 20618.80 | 1916.79 | 18702.01 | 667908.68 |
| 87 | 2032-01 | 20618.80 | 1864.58 | 18754.22 | 649154.46 |
| 88 | 2032-02 | 20618.80 | 1812.22 | 18806.57 | 630347.89 |
| 89 | 2032-03 | 20618.80 | 1759.72 | 18859.07 | 611488.81 |
| 90 | 2032-04 | 20618.80 | 1707.07 | 18911.72 | 592577.09 |
| 91 | 2032-05 | 20618.80 | 1654.28 | 18964.52 | 573612.58 |
| 92 | 2032-06 | 20618.80 | 1601.34 | 19017.46 | 554595.12 |
| 93 | 2032-07 | 20618.80 | 1548.24 | 19070.55 | 535524.56 |
| 94 | 2032-08 | 20618.80 | 1495.01 | 19123.79 | 516400.78 |
| 95 | 2032-09 | 20618.80 | 1441.62 | 19177.18 | 497223.60 |
| 96 | 2032-10 | 20618.80 | 1388.08 | 19230.71 | 477992.89 |
| 97 | 2032-11 | 20618.80 | 1334.40 | 19284.40 | 458708.49 |
| 98 | 2032-12 | 20618.80 | 1280.56 | 19338.23 | 439370.25 |
| 99 | 2033-01 | 20618.80 | 1226.58 | 19392.22 | 419978.03 |
| 100 | 2033-02 | 20618.80 | 1172.44 | 19446.36 | 400531.68 |
| 101 | 2033-03 | 20618.80 | 1118.15 | 19500.64 | 381031.03 |
| 102 | 2033-04 | 20618.80 | 1063.71 | 19555.08 | 361475.95 |
| 103 | 2033-05 | 20618.80 | 1009.12 | 19609.67 | 341866.28 |
| 104 | 2033-06 | 20618.80 | 954.38 | 19664.42 | 322201.86 |
| 105 | 2033-07 | 20618.80 | 899.48 | 19719.31 | 302482.54 |
| 106 | 2033-08 | 20618.80 | 844.43 | 19774.36 | 282708.18 |
| 107 | 2033-09 | 20618.80 | 789.23 | 19829.57 | 262878.61 |
| 108 | 2033-10 | 20618.80 | 733.87 | 19884.93 | 242993.68 |
| 109 | 2033-11 | 20618.80 | 678.36 | 19940.44 | 223053.25 |
| 110 | 2033-12 | 20618.80 | 622.69 | 19996.10 | 203057.14 |
| 111 | 2034-01 | 20618.80 | 566.87 | 20051.93 | 183005.21 |
| 112 | 2034-02 | 20618.80 | 510.89 | 20107.91 | 162897.31 |
| 113 | 2034-03 | 20618.80 | 454.75 | 20164.04 | 142733.27 |
| 114 | 2034-04 | 20618.80 | 398.46 | 20220.33 | 122512.94 |
| 115 | 2034-05 | 20618.80 | 342.02 | 20276.78 | 102236.16 |
| 116 | 2034-06 | 20618.80 | 285.41 | 20333.39 | 81902.77 |
| 117 | 2034-07 | 20618.80 | 228.65 | 20390.15 | 61512.62 |
| 118 | 2034-08 | 20618.80 | 171.72 | 20447.07 | 41065.55 |
| 119 | 2034-09 | 20618.80 | 114.64 | 20504.15 | 20561.39 |
| 120 | 2034-10 | 20618.80 | 57.40 | 20561.39 | 0.00 |
还款方式二：等额本金
贷款总额：210万
还款月数：10年
首月还款：23362.5元
每月递减：48.85元
利息总额：35.47万
本息合计：245.47万
节省利息：19574.17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 | 23362.50 | 5862.50 | 17500.00 | 2082500.00 |
| 2 | 2024-12 | 23313.65 | 5813.65 | 17500.00 | 2065000.00 |
| 3 | 2025-01 | 23264.79 | 5764.79 | 17500.00 | 2047500.00 |
| 4 | 2025-02 | 23215.94 | 5715.94 | 17500.00 | 2030000.00 |
| 5 | 2025-03 | 23167.08 | 5667.08 | 17500.00 | 2012500.00 |
| 6 | 2025-04 | 23118.23 | 5618.23 | 17500.00 | 1995000.00 |
| 7 | 2025-05 | 23069.38 | 5569.38 | 17500.00 | 1977500.00 |
| 8 | 2025-06 | 23020.52 | 5520.52 | 17500.00 | 1960000.00 |
| 9 | 2025-07 | 22971.67 | 5471.67 | 17500.00 | 1942500.00 |
| 10 | 2025-08 | 22922.81 | 5422.81 | 17500.00 | 1925000.00 |
| 11 | 2025-09 | 22873.96 | 5373.96 | 17500.00 | 1907500.00 |
| 12 | 2025-10 | 22825.10 | 5325.10 | 17500.00 | 1890000.00 |
| 13 | 2025-11 | 22776.25 | 5276.25 | 17500.00 | 1872500.00 |
| 14 | 2025-12 | 22727.40 | 5227.40 | 17500.00 | 1855000.00 |
| 15 | 2026-01 | 22678.54 | 5178.54 | 17500.00 | 1837500.00 |
| 16 | 2026-02 | 22629.69 | 5129.69 | 17500.00 | 1820000.00 |
| 17 | 2026-03 | 22580.83 | 5080.83 | 17500.00 | 1802500.00 |
| 18 | 2026-04 | 22531.98 | 5031.98 | 17500.00 | 1785000.00 |
| 19 | 2026-05 | 22483.13 | 4983.13 | 17500.00 | 1767500.00 |
| 20 | 2026-06 | 22434.27 | 4934.27 | 17500.00 | 1750000.00 |
| 21 | 2026-07 | 22385.42 | 4885.42 | 17500.00 | 1732500.00 |
| 22 | 2026-08 | 22336.56 | 4836.56 | 17500.00 | 1715000.00 |
| 23 | 2026-09 | 22287.71 | 4787.71 | 17500.00 | 1697500.00 |
| 24 | 2026-10 | 22238.85 | 4738.85 | 17500.00 | 1680000.00 |
| 25 | 2026-11 | 22190.00 | 4690.00 | 17500.00 | 1662500.00 |
| 26 | 2026-12 | 22141.15 | 4641.15 | 17500.00 | 1645000.00 |
| 27 | 2027-01 | 22092.29 | 4592.29 | 17500.00 | 1627500.00 |
| 28 | 2027-02 | 22043.44 | 4543.44 | 17500.00 | 1610000.00 |
| 29 | 2027-03 | 21994.58 | 4494.58 | 17500.00 | 1592500.00 |
| 30 | 2027-04 | 21945.73 | 4445.73 | 17500.00 | 1575000.00 |
| 31 | 2027-05 | 21896.88 | 4396.88 | 17500.00 | 1557500.00 |
| 32 | 2027-06 | 21848.02 | 4348.02 | 17500.00 | 1540000.00 |
| 33 | 2027-07 | 21799.17 | 4299.17 | 17500.00 | 1522500.00 |
| 34 | 2027-08 | 21750.31 | 4250.31 | 17500.00 | 1505000.00 |
| 35 | 2027-09 | 21701.46 | 4201.46 | 17500.00 | 1487500.00 |
| 36 | 2027-10 | 21652.60 | 4152.60 | 17500.00 | 1470000.00 |
| 37 | 2027-11 | 21603.75 | 4103.75 | 17500.00 | 1452500.00 |
| 38 | 2027-12 | 21554.90 | 4054.90 | 17500.00 | 1435000.00 |
| 39 | 2028-01 | 21506.04 | 4006.04 | 17500.00 | 1417500.00 |
| 40 | 2028-02 | 21457.19 | 3957.19 | 17500.00 | 1400000.00 |
| 41 | 2028-03 | 21408.33 | 3908.33 | 17500.00 | 1382500.00 |
| 42 | 2028-04 | 21359.48 | 3859.48 | 17500.00 | 1365000.00 |
| 43 | 2028-05 | 21310.63 | 3810.63 | 17500.00 | 1347500.00 |
| 44 | 2028-06 | 21261.77 | 3761.77 | 17500.00 | 1330000.00 |
| 45 | 2028-07 | 21212.92 | 3712.92 | 17500.00 | 1312500.00 |
| 46 | 2028-08 | 21164.06 | 3664.06 | 17500.00 | 1295000.00 |
| 47 | 2028-09 | 21115.21 | 3615.21 | 17500.00 | 1277500.00 |
| 48 | 2028-10 | 21066.35 | 3566.35 | 17500.00 | 1260000.00 |
| 49 | 2028-11 | 21017.50 | 3517.50 | 17500.00 | 1242500.00 |
| 50 | 2028-12 | 20968.65 | 3468.65 | 17500.00 | 1225000.00 |
| 51 | 2029-01 | 20919.79 | 3419.79 | 17500.00 | 1207500.00 |
| 52 | 2029-02 | 20870.94 | 3370.94 | 17500.00 | 1190000.00 |
| 53 | 2029-03 | 20822.08 | 3322.08 | 17500.00 | 1172500.00 |
| 54 | 2029-04 | 20773.23 | 3273.23 | 17500.00 | 1155000.00 |
| 55 | 2029-05 | 20724.38 | 3224.38 | 17500.00 | 1137500.00 |
| 56 | 2029-06 | 20675.52 | 3175.52 | 17500.00 | 1120000.00 |
| 57 | 2029-07 | 20626.67 | 3126.67 | 17500.00 | 1102500.00 |
| 58 | 2029-08 | 20577.81 | 3077.81 | 17500.00 | 1085000.00 |
| 59 | 2029-09 | 20528.96 | 3028.96 | 17500.00 | 1067500.00 |
| 60 | 2029-10 | 20480.10 | 2980.10 | 17500.00 | 1050000.00 |
| 61 | 2029-11 | 20431.25 | 2931.25 | 17500.00 | 1032500.00 |
| 62 | 2029-12 | 20382.40 | 2882.40 | 17500.00 | 1015000.00 |
| 63 | 2030-01 | 20333.54 | 2833.54 | 17500.00 | 997500.00 |
| 64 | 2030-02 | 20284.69 | 2784.69 | 17500.00 | 980000.00 |
| 65 | 2030-03 | 20235.83 | 2735.83 | 17500.00 | 962500.00 |
| 66 | 2030-04 | 20186.98 | 2686.98 | 17500.00 | 945000.00 |
| 67 | 2030-05 | 20138.13 | 2638.13 | 17500.00 | 927500.00 |
| 68 | 2030-06 | 20089.27 | 2589.27 | 17500.00 | 910000.00 |
| 69 | 2030-07 | 20040.42 | 2540.42 | 17500.00 | 892500.00 |
| 70 | 2030-08 | 19991.56 | 2491.56 | 17500.00 | 875000.00 |
| 71 | 2030-09 | 19942.71 | 2442.71 | 17500.00 | 857500.00 |
| 72 | 2030-10 | 19893.85 | 2393.85 | 17500.00 | 840000.00 |
| 73 | 2030-11 | 19845.00 | 2345.00 | 17500.00 | 822500.00 |
| 74 | 2030-12 | 19796.15 | 2296.15 | 17500.00 | 805000.00 |
| 75 | 2031-01 | 19747.29 | 2247.29 | 17500.00 | 787500.00 |
| 76 | 2031-02 | 19698.44 | 2198.44 | 17500.00 | 770000.00 |
| 77 | 2031-03 | 19649.58 | 2149.58 | 17500.00 | 752500.00 |
| 78 | 2031-04 | 19600.73 | 2100.73 | 17500.00 | 735000.00 |
| 79 | 2031-05 | 19551.88 | 2051.88 | 17500.00 | 717500.00 |
| 80 | 2031-06 | 19503.02 | 2003.02 | 17500.00 | 700000.00 |
| 81 | 2031-07 | 19454.17 | 1954.17 | 17500.00 | 682500.00 |
| 82 | 2031-08 | 19405.31 | 1905.31 | 17500.00 | 665000.00 |
| 83 | 2031-09 | 19356.46 | 1856.46 | 17500.00 | 647500.00 |
| 84 | 2031-10 | 19307.60 | 1807.60 | 17500.00 | 630000.00 |
| 85 | 2031-11 | 19258.75 | 1758.75 | 17500.00 | 612500.00 |
| 86 | 2031-12 | 19209.90 | 1709.90 | 17500.00 | 595000.00 |
| 87 | 2032-01 | 19161.04 | 1661.04 | 17500.00 | 577500.00 |
| 88 | 2032-02 | 19112.19 | 1612.19 | 17500.00 | 560000.00 |
| 89 | 2032-03 | 19063.33 | 1563.33 | 17500.00 | 542500.00 |
| 90 | 2032-04 | 19014.48 | 1514.48 | 17500.00 | 525000.00 |
| 91 | 2032-05 | 18965.63 | 1465.63 | 17500.00 | 507500.00 |
| 92 | 2032-06 | 18916.77 | 1416.77 | 17500.00 | 490000.00 |
| 93 | 2032-07 | 18867.92 | 1367.92 | 17500.00 | 472500.00 |
| 94 | 2032-08 | 18819.06 | 1319.06 | 17500.00 | 455000.00 |
| 95 | 2032-09 | 18770.21 | 1270.21 | 17500.00 | 437500.00 |
| 96 | 2032-10 | 18721.35 | 1221.35 | 17500.00 | 420000.00 |
| 97 | 2032-11 | 18672.50 | 1172.50 | 17500.00 | 402500.00 |
| 98 | 2032-12 | 18623.65 | 1123.65 | 17500.00 | 385000.00 |
| 99 | 2033-01 | 18574.79 | 1074.79 | 17500.00 | 367500.00 |
| 100 | 2033-02 | 18525.94 | 1025.94 | 17500.00 | 350000.00 |
| 101 | 2033-03 | 18477.08 | 977.08 | 17500.00 | 332500.00 |
| 102 | 2033-04 | 18428.23 | 928.23 | 17500.00 | 315000.00 |
| 103 | 2033-05 | 18379.38 | 879.38 | 17500.00 | 297500.00 |
| 104 | 2033-06 | 18330.52 | 830.52 | 17500.00 | 280000.00 |
| 105 | 2033-07 | 18281.67 | 781.67 | 17500.00 | 262500.00 |
| 106 | 2033-08 | 18232.81 | 732.81 | 17500.00 | 245000.00 |
| 107 | 2033-09 | 18183.96 | 683.96 | 17500.00 | 227500.00 |
| 108 | 2033-10 | 18135.10 | 635.10 | 17500.00 | 210000.00 |
| 109 | 2033-11 | 18086.25 | 586.25 | 17500.00 | 192500.00 |
| 110 | 2033-12 | 18037.40 | 537.40 | 17500.00 | 175000.00 |
| 111 | 2034-01 | 17988.54 | 488.54 | 17500.00 | 157500.00 |
| 112 | 2034-02 | 17939.69 | 439.69 | 17500.00 | 140000.00 |
| 113 | 2034-03 | 17890.83 | 390.83 | 17500.00 | 122500.00 |
| 114 | 2034-04 | 17841.98 | 341.98 | 17500.00 | 105000.00 |
| 115 | 2034-05 | 17793.13 | 293.13 | 17500.00 | 87500.00 |
| 116 | 2034-06 | 17744.27 | 244.27 | 17500.00 | 70000.00 |
| 117 | 2034-07 | 17695.42 | 195.42 | 17500.00 | 52500.00 |
| 118 | 2034-08 | 17646.56 | 146.56 | 17500.00 | 35000.00 |
| 119 | 2034-09 | 17597.71 | 97.71 | 17500.00 | 17500.00 |
| 120 | 2034-10 | 17548.85 | 48.85 | 17500.00 | 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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