贷款64万(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:64万
还款月数:10年
每月还款:6648.29元
利息总额:15.78万
本息合计:79.78万
| 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 | 6648.29 | 2426.67 | 4221.63 | 635778.37 |
| 2 | 2024-12 | 6648.29 | 2410.66 | 4237.63 | 631540.74 |
| 3 | 2025-01 | 6648.29 | 2394.59 | 4253.70 | 627287.04 |
| 4 | 2025-02 | 6648.29 | 2378.46 | 4269.83 | 623017.20 |
| 5 | 2025-03 | 6648.29 | 2362.27 | 4286.02 | 618731.18 |
| 6 | 2025-04 | 6648.29 | 2346.02 | 4302.27 | 614428.91 |
| 7 | 2025-05 | 6648.29 | 2329.71 | 4318.58 | 610110.33 |
| 8 | 2025-06 | 6648.29 | 2313.33 | 4334.96 | 605775.37 |
| 9 | 2025-07 | 6648.29 | 2296.90 | 4351.40 | 601423.97 |
| 10 | 2025-08 | 6648.29 | 2280.40 | 4367.90 | 597056.08 |
| 11 | 2025-09 | 6648.29 | 2263.84 | 4384.46 | 592671.62 |
| 12 | 2025-10 | 6648.29 | 2247.21 | 4401.08 | 588270.54 |
| 13 | 2025-11 | 6648.29 | 2230.53 | 4417.77 | 583852.77 |
| 14 | 2025-12 | 6648.29 | 2213.78 | 4434.52 | 579418.25 |
| 15 | 2026-01 | 6648.29 | 2196.96 | 4451.33 | 574966.92 |
| 16 | 2026-02 | 6648.29 | 2180.08 | 4468.21 | 570498.71 |
| 17 | 2026-03 | 6648.29 | 2163.14 | 4485.15 | 566013.55 |
| 18 | 2026-04 | 6648.29 | 2146.13 | 4502.16 | 561511.39 |
| 19 | 2026-05 | 6648.29 | 2129.06 | 4519.23 | 556992.16 |
| 20 | 2026-06 | 6648.29 | 2111.93 | 4536.37 | 552455.80 |
| 21 | 2026-07 | 6648.29 | 2094.73 | 4553.57 | 547902.23 |
| 22 | 2026-08 | 6648.29 | 2077.46 | 4570.83 | 543331.40 |
| 23 | 2026-09 | 6648.29 | 2060.13 | 4588.16 | 538743.24 |
| 24 | 2026-10 | 6648.29 | 2042.73 | 4605.56 | 534137.68 |
| 25 | 2026-11 | 6648.29 | 2025.27 | 4623.02 | 529514.65 |
| 26 | 2026-12 | 6648.29 | 2007.74 | 4640.55 | 524874.10 |
| 27 | 2027-01 | 6648.29 | 1990.15 | 4658.15 | 520215.96 |
| 28 | 2027-02 | 6648.29 | 1972.49 | 4675.81 | 515540.15 |
| 29 | 2027-03 | 6648.29 | 1954.76 | 4693.54 | 510846.61 |
| 30 | 2027-04 | 6648.29 | 1936.96 | 4711.33 | 506135.27 |
| 31 | 2027-05 | 6648.29 | 1919.10 | 4729.20 | 501406.08 |
| 32 | 2027-06 | 6648.29 | 1901.16 | 4747.13 | 496658.95 |
| 33 | 2027-07 | 6648.29 | 1883.17 | 4765.13 | 491893.82 |
| 34 | 2027-08 | 6648.29 | 1865.10 | 4783.20 | 487110.62 |
| 35 | 2027-09 | 6648.29 | 1846.96 | 4801.33 | 482309.29 |
| 36 | 2027-10 | 6648.29 | 1828.76 | 4819.54 | 477489.75 |
| 37 | 2027-11 | 6648.29 | 1810.48 | 4837.81 | 472651.94 |
| 38 | 2027-12 | 6648.29 | 1792.14 | 4856.16 | 467795.78 |
| 39 | 2028-01 | 6648.29 | 1773.73 | 4874.57 | 462921.21 |
| 40 | 2028-02 | 6648.29 | 1755.24 | 4893.05 | 458028.16 |
| 41 | 2028-03 | 6648.29 | 1736.69 | 4911.60 | 453116.56 |
| 42 | 2028-04 | 6648.29 | 1718.07 | 4930.23 | 448186.33 |
| 43 | 2028-05 | 6648.29 | 1699.37 | 4948.92 | 443237.41 |
| 44 | 2028-06 | 6648.29 | 1680.61 | 4967.69 | 438269.72 |
| 45 | 2028-07 | 6648.29 | 1661.77 | 4986.52 | 433283.20 |
| 46 | 2028-08 | 6648.29 | 1642.87 | 5005.43 | 428277.77 |
| 47 | 2028-09 | 6648.29 | 1623.89 | 5024.41 | 423253.36 |
| 48 | 2028-10 | 6648.29 | 1604.84 | 5043.46 | 418209.90 |
| 49 | 2028-11 | 6648.29 | 1585.71 | 5062.58 | 413147.32 |
| 50 | 2028-12 | 6648.29 | 1566.52 | 5081.78 | 408065.54 |
| 51 | 2029-01 | 6648.29 | 1547.25 | 5101.05 | 402964.50 |
| 52 | 2029-02 | 6648.29 | 1527.91 | 5120.39 | 397844.11 |
| 53 | 2029-03 | 6648.29 | 1508.49 | 5139.80 | 392704.31 |
| 54 | 2029-04 | 6648.29 | 1489.00 | 5159.29 | 387545.02 |
| 55 | 2029-05 | 6648.29 | 1469.44 | 5178.85 | 382366.17 |
| 56 | 2029-06 | 6648.29 | 1449.81 | 5198.49 | 377167.68 |
| 57 | 2029-07 | 6648.29 | 1430.09 | 5218.20 | 371949.48 |
| 58 | 2029-08 | 6648.29 | 1410.31 | 5237.99 | 366711.49 |
| 59 | 2029-09 | 6648.29 | 1390.45 | 5257.85 | 361453.64 |
| 60 | 2029-10 | 6648.29 | 1370.51 | 5277.78 | 356175.86 |
| 61 | 2029-11 | 6648.29 | 1350.50 | 5297.79 | 350878.07 |
| 62 | 2029-12 | 6648.29 | 1330.41 | 5317.88 | 345560.19 |
| 63 | 2030-01 | 6648.29 | 1310.25 | 5338.05 | 340222.14 |
| 64 | 2030-02 | 6648.29 | 1290.01 | 5358.29 | 334863.85 |
| 65 | 2030-03 | 6648.29 | 1269.69 | 5378.60 | 329485.25 |
| 66 | 2030-04 | 6648.29 | 1249.30 | 5399.00 | 324086.26 |
| 67 | 2030-05 | 6648.29 | 1228.83 | 5419.47 | 318666.79 |
| 68 | 2030-06 | 6648.29 | 1208.28 | 5440.02 | 313226.77 |
| 69 | 2030-07 | 6648.29 | 1187.65 | 5460.64 | 307766.13 |
| 70 | 2030-08 | 6648.29 | 1166.95 | 5481.35 | 302284.78 |
| 71 | 2030-09 | 6648.29 | 1146.16 | 5502.13 | 296782.65 |
| 72 | 2030-10 | 6648.29 | 1125.30 | 5522.99 | 291259.66 |
| 73 | 2030-11 | 6648.29 | 1104.36 | 5543.93 | 285715.72 |
| 74 | 2030-12 | 6648.29 | 1083.34 | 5564.96 | 280150.77 |
| 75 | 2031-01 | 6648.29 | 1062.24 | 5586.06 | 274564.71 |
| 76 | 2031-02 | 6648.29 | 1041.06 | 5607.24 | 268957.47 |
| 77 | 2031-03 | 6648.29 | 1019.80 | 5628.50 | 263328.98 |
| 78 | 2031-04 | 6648.29 | 998.46 | 5649.84 | 257679.14 |
| 79 | 2031-05 | 6648.29 | 977.03 | 5671.26 | 252007.88 |
| 80 | 2031-06 | 6648.29 | 955.53 | 5692.76 | 246315.11 |
| 81 | 2031-07 | 6648.29 | 933.94 | 5714.35 | 240600.76 |
| 82 | 2031-08 | 6648.29 | 912.28 | 5736.02 | 234864.75 |
| 83 | 2031-09 | 6648.29 | 890.53 | 5757.77 | 229106.98 |
| 84 | 2031-10 | 6648.29 | 868.70 | 5779.60 | 223327.38 |
| 85 | 2031-11 | 6648.29 | 846.78 | 5801.51 | 217525.87 |
| 86 | 2031-12 | 6648.29 | 824.79 | 5823.51 | 211702.36 |
| 87 | 2032-01 | 6648.29 | 802.70 | 5845.59 | 205856.77 |
| 88 | 2032-02 | 6648.29 | 780.54 | 5867.75 | 199989.02 |
| 89 | 2032-03 | 6648.29 | 758.29 | 5890.00 | 194099.02 |
| 90 | 2032-04 | 6648.29 | 735.96 | 5912.34 | 188186.68 |
| 91 | 2032-05 | 6648.29 | 713.54 | 5934.75 | 182251.93 |
| 92 | 2032-06 | 6648.29 | 691.04 | 5957.26 | 176294.67 |
| 93 | 2032-07 | 6648.29 | 668.45 | 5979.84 | 170314.83 |
| 94 | 2032-08 | 6648.29 | 645.78 | 6002.52 | 164312.31 |
| 95 | 2032-09 | 6648.29 | 623.02 | 6025.28 | 158287.04 |
| 96 | 2032-10 | 6648.29 | 600.17 | 6048.12 | 152238.91 |
| 97 | 2032-11 | 6648.29 | 577.24 | 6071.06 | 146167.86 |
| 98 | 2032-12 | 6648.29 | 554.22 | 6094.07 | 140073.78 |
| 99 | 2033-01 | 6648.29 | 531.11 | 6117.18 | 133956.60 |
| 100 | 2033-02 | 6648.29 | 507.92 | 6140.38 | 127816.23 |
| 101 | 2033-03 | 6648.29 | 484.64 | 6163.66 | 121652.57 |
| 102 | 2033-04 | 6648.29 | 461.27 | 6187.03 | 115465.54 |
| 103 | 2033-05 | 6648.29 | 437.81 | 6210.49 | 109255.05 |
| 104 | 2033-06 | 6648.29 | 414.26 | 6234.04 | 103021.02 |
| 105 | 2033-07 | 6648.29 | 390.62 | 6257.67 | 96763.34 |
| 106 | 2033-08 | 6648.29 | 366.89 | 6281.40 | 90481.94 |
| 107 | 2033-09 | 6648.29 | 343.08 | 6305.22 | 84176.73 |
| 108 | 2033-10 | 6648.29 | 319.17 | 6329.12 | 77847.60 |
| 109 | 2033-11 | 6648.29 | 295.17 | 6353.12 | 71494.48 |
| 110 | 2033-12 | 6648.29 | 271.08 | 6377.21 | 65117.27 |
| 111 | 2034-01 | 6648.29 | 246.90 | 6401.39 | 58715.88 |
| 112 | 2034-02 | 6648.29 | 222.63 | 6425.66 | 52290.21 |
| 113 | 2034-03 | 6648.29 | 198.27 | 6450.03 | 45840.19 |
| 114 | 2034-04 | 6648.29 | 173.81 | 6474.48 | 39365.70 |
| 115 | 2034-05 | 6648.29 | 149.26 | 6499.03 | 32866.67 |
| 116 | 2034-06 | 6648.29 | 124.62 | 6523.67 | 26343.00 |
| 117 | 2034-07 | 6648.29 | 99.88 | 6548.41 | 19794.58 |
| 118 | 2034-08 | 6648.29 | 75.05 | 6573.24 | 13221.34 |
| 119 | 2034-09 | 6648.29 | 50.13 | 6598.16 | 6623.18 |
| 120 | 2034-10 | 6648.29 | 25.11 | 6623.18 | 0.00 |
还款方式二:等额本金
贷款总额:64万
还款月数:10年
首月还款:7760元
每月递减:20.22元
利息总额:14.68万
本息合计:78.68万
节省利息:10981.99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 | 7760.00 | 2426.67 | 5333.33 | 634666.67 |
| 2 | 2024-12 | 7739.78 | 2406.44 | 5333.33 | 629333.33 |
| 3 | 2025-01 | 7719.56 | 2386.22 | 5333.33 | 624000.00 |
| 4 | 2025-02 | 7699.33 | 2366.00 | 5333.33 | 618666.67 |
| 5 | 2025-03 | 7679.11 | 2345.78 | 5333.33 | 613333.33 |
| 6 | 2025-04 | 7658.89 | 2325.56 | 5333.33 | 608000.00 |
| 7 | 2025-05 | 7638.67 | 2305.33 | 5333.33 | 602666.67 |
| 8 | 2025-06 | 7618.44 | 2285.11 | 5333.33 | 597333.33 |
| 9 | 2025-07 | 7598.22 | 2264.89 | 5333.33 | 592000.00 |
| 10 | 2025-08 | 7578.00 | 2244.67 | 5333.33 | 586666.67 |
| 11 | 2025-09 | 7557.78 | 2224.44 | 5333.33 | 581333.33 |
| 12 | 2025-10 | 7537.56 | 2204.22 | 5333.33 | 576000.00 |
| 13 | 2025-11 | 7517.33 | 2184.00 | 5333.33 | 570666.67 |
| 14 | 2025-12 | 7497.11 | 2163.78 | 5333.33 | 565333.33 |
| 15 | 2026-01 | 7476.89 | 2143.56 | 5333.33 | 560000.00 |
| 16 | 2026-02 | 7456.67 | 2123.33 | 5333.33 | 554666.67 |
| 17 | 2026-03 | 7436.44 | 2103.11 | 5333.33 | 549333.33 |
| 18 | 2026-04 | 7416.22 | 2082.89 | 5333.33 | 544000.00 |
| 19 | 2026-05 | 7396.00 | 2062.67 | 5333.33 | 538666.67 |
| 20 | 2026-06 | 7375.78 | 2042.44 | 5333.33 | 533333.33 |
| 21 | 2026-07 | 7355.56 | 2022.22 | 5333.33 | 528000.00 |
| 22 | 2026-08 | 7335.33 | 2002.00 | 5333.33 | 522666.67 |
| 23 | 2026-09 | 7315.11 | 1981.78 | 5333.33 | 517333.33 |
| 24 | 2026-10 | 7294.89 | 1961.56 | 5333.33 | 512000.00 |
| 25 | 2026-11 | 7274.67 | 1941.33 | 5333.33 | 506666.67 |
| 26 | 2026-12 | 7254.44 | 1921.11 | 5333.33 | 501333.33 |
| 27 | 2027-01 | 7234.22 | 1900.89 | 5333.33 | 496000.00 |
| 28 | 2027-02 | 7214.00 | 1880.67 | 5333.33 | 490666.67 |
| 29 | 2027-03 | 7193.78 | 1860.44 | 5333.33 | 485333.33 |
| 30 | 2027-04 | 7173.56 | 1840.22 | 5333.33 | 480000.00 |
| 31 | 2027-05 | 7153.33 | 1820.00 | 5333.33 | 474666.67 |
| 32 | 2027-06 | 7133.11 | 1799.78 | 5333.33 | 469333.33 |
| 33 | 2027-07 | 7112.89 | 1779.56 | 5333.33 | 464000.00 |
| 34 | 2027-08 | 7092.67 | 1759.33 | 5333.33 | 458666.67 |
| 35 | 2027-09 | 7072.44 | 1739.11 | 5333.33 | 453333.33 |
| 36 | 2027-10 | 7052.22 | 1718.89 | 5333.33 | 448000.00 |
| 37 | 2027-11 | 7032.00 | 1698.67 | 5333.33 | 442666.67 |
| 38 | 2027-12 | 7011.78 | 1678.44 | 5333.33 | 437333.33 |
| 39 | 2028-01 | 6991.56 | 1658.22 | 5333.33 | 432000.00 |
| 40 | 2028-02 | 6971.33 | 1638.00 | 5333.33 | 426666.67 |
| 41 | 2028-03 | 6951.11 | 1617.78 | 5333.33 | 421333.33 |
| 42 | 2028-04 | 6930.89 | 1597.56 | 5333.33 | 416000.00 |
| 43 | 2028-05 | 6910.67 | 1577.33 | 5333.33 | 410666.67 |
| 44 | 2028-06 | 6890.44 | 1557.11 | 5333.33 | 405333.33 |
| 45 | 2028-07 | 6870.22 | 1536.89 | 5333.33 | 400000.00 |
| 46 | 2028-08 | 6850.00 | 1516.67 | 5333.33 | 394666.67 |
| 47 | 2028-09 | 6829.78 | 1496.44 | 5333.33 | 389333.33 |
| 48 | 2028-10 | 6809.56 | 1476.22 | 5333.33 | 384000.00 |
| 49 | 2028-11 | 6789.33 | 1456.00 | 5333.33 | 378666.67 |
| 50 | 2028-12 | 6769.11 | 1435.78 | 5333.33 | 373333.33 |
| 51 | 2029-01 | 6748.89 | 1415.56 | 5333.33 | 368000.00 |
| 52 | 2029-02 | 6728.67 | 1395.33 | 5333.33 | 362666.67 |
| 53 | 2029-03 | 6708.44 | 1375.11 | 5333.33 | 357333.33 |
| 54 | 2029-04 | 6688.22 | 1354.89 | 5333.33 | 352000.00 |
| 55 | 2029-05 | 6668.00 | 1334.67 | 5333.33 | 346666.67 |
| 56 | 2029-06 | 6647.78 | 1314.44 | 5333.33 | 341333.33 |
| 57 | 2029-07 | 6627.56 | 1294.22 | 5333.33 | 336000.00 |
| 58 | 2029-08 | 6607.33 | 1274.00 | 5333.33 | 330666.67 |
| 59 | 2029-09 | 6587.11 | 1253.78 | 5333.33 | 325333.33 |
| 60 | 2029-10 | 6566.89 | 1233.56 | 5333.33 | 320000.00 |
| 61 | 2029-11 | 6546.67 | 1213.33 | 5333.33 | 314666.67 |
| 62 | 2029-12 | 6526.44 | 1193.11 | 5333.33 | 309333.33 |
| 63 | 2030-01 | 6506.22 | 1172.89 | 5333.33 | 304000.00 |
| 64 | 2030-02 | 6486.00 | 1152.67 | 5333.33 | 298666.67 |
| 65 | 2030-03 | 6465.78 | 1132.44 | 5333.33 | 293333.33 |
| 66 | 2030-04 | 6445.56 | 1112.22 | 5333.33 | 288000.00 |
| 67 | 2030-05 | 6425.33 | 1092.00 | 5333.33 | 282666.67 |
| 68 | 2030-06 | 6405.11 | 1071.78 | 5333.33 | 277333.33 |
| 69 | 2030-07 | 6384.89 | 1051.56 | 5333.33 | 272000.00 |
| 70 | 2030-08 | 6364.67 | 1031.33 | 5333.33 | 266666.67 |
| 71 | 2030-09 | 6344.44 | 1011.11 | 5333.33 | 261333.33 |
| 72 | 2030-10 | 6324.22 | 990.89 | 5333.33 | 256000.00 |
| 73 | 2030-11 | 6304.00 | 970.67 | 5333.33 | 250666.67 |
| 74 | 2030-12 | 6283.78 | 950.44 | 5333.33 | 245333.33 |
| 75 | 2031-01 | 6263.56 | 930.22 | 5333.33 | 240000.00 |
| 76 | 2031-02 | 6243.33 | 910.00 | 5333.33 | 234666.67 |
| 77 | 2031-03 | 6223.11 | 889.78 | 5333.33 | 229333.33 |
| 78 | 2031-04 | 6202.89 | 869.56 | 5333.33 | 224000.00 |
| 79 | 2031-05 | 6182.67 | 849.33 | 5333.33 | 218666.67 |
| 80 | 2031-06 | 6162.44 | 829.11 | 5333.33 | 213333.33 |
| 81 | 2031-07 | 6142.22 | 808.89 | 5333.33 | 208000.00 |
| 82 | 2031-08 | 6122.00 | 788.67 | 5333.33 | 202666.67 |
| 83 | 2031-09 | 6101.78 | 768.44 | 5333.33 | 197333.33 |
| 84 | 2031-10 | 6081.56 | 748.22 | 5333.33 | 192000.00 |
| 85 | 2031-11 | 6061.33 | 728.00 | 5333.33 | 186666.67 |
| 86 | 2031-12 | 6041.11 | 707.78 | 5333.33 | 181333.33 |
| 87 | 2032-01 | 6020.89 | 687.56 | 5333.33 | 176000.00 |
| 88 | 2032-02 | 6000.67 | 667.33 | 5333.33 | 170666.67 |
| 89 | 2032-03 | 5980.44 | 647.11 | 5333.33 | 165333.33 |
| 90 | 2032-04 | 5960.22 | 626.89 | 5333.33 | 160000.00 |
| 91 | 2032-05 | 5940.00 | 606.67 | 5333.33 | 154666.67 |
| 92 | 2032-06 | 5919.78 | 586.44 | 5333.33 | 149333.33 |
| 93 | 2032-07 | 5899.56 | 566.22 | 5333.33 | 144000.00 |
| 94 | 2032-08 | 5879.33 | 546.00 | 5333.33 | 138666.67 |
| 95 | 2032-09 | 5859.11 | 525.78 | 5333.33 | 133333.33 |
| 96 | 2032-10 | 5838.89 | 505.56 | 5333.33 | 128000.00 |
| 97 | 2032-11 | 5818.67 | 485.33 | 5333.33 | 122666.67 |
| 98 | 2032-12 | 5798.44 | 465.11 | 5333.33 | 117333.33 |
| 99 | 2033-01 | 5778.22 | 444.89 | 5333.33 | 112000.00 |
| 100 | 2033-02 | 5758.00 | 424.67 | 5333.33 | 106666.67 |
| 101 | 2033-03 | 5737.78 | 404.44 | 5333.33 | 101333.33 |
| 102 | 2033-04 | 5717.56 | 384.22 | 5333.33 | 96000.00 |
| 103 | 2033-05 | 5697.33 | 364.00 | 5333.33 | 90666.67 |
| 104 | 2033-06 | 5677.11 | 343.78 | 5333.33 | 85333.33 |
| 105 | 2033-07 | 5656.89 | 323.56 | 5333.33 | 80000.00 |
| 106 | 2033-08 | 5636.67 | 303.33 | 5333.33 | 74666.67 |
| 107 | 2033-09 | 5616.44 | 283.11 | 5333.33 | 69333.33 |
| 108 | 2033-10 | 5596.22 | 262.89 | 5333.33 | 64000.00 |
| 109 | 2033-11 | 5576.00 | 242.67 | 5333.33 | 58666.67 |
| 110 | 2033-12 | 5555.78 | 222.44 | 5333.33 | 53333.33 |
| 111 | 2034-01 | 5535.56 | 202.22 | 5333.33 | 48000.00 |
| 112 | 2034-02 | 5515.33 | 182.00 | 5333.33 | 42666.67 |
| 113 | 2034-03 | 5495.11 | 161.78 | 5333.33 | 37333.33 |
| 114 | 2034-04 | 5474.89 | 141.56 | 5333.33 | 32000.00 |
| 115 | 2034-05 | 5454.67 | 121.33 | 5333.33 | 26666.67 |
| 116 | 2034-06 | 5434.44 | 101.11 | 5333.33 | 21333.33 |
| 117 | 2034-07 | 5414.22 | 80.89 | 5333.33 | 16000.00 |
| 118 | 2034-08 | 5394.00 | 60.67 | 5333.33 | 10666.67 |
| 119 | 2034-09 | 5373.78 | 40.44 | 5333.33 | 5333.33 |
| 120 | 2034-10 | 5353.56 | 20.22 | 5333.33 | 0.00 |
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采用2025年12月01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01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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