贷款568.5万（商业贷款）的房贷，还款9年9个月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：568.5万
还款月数：9年9个月
每月还款：57820.5元
利息总额：108万
本息合计：676.5万
| 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 | 57820.50 | 17291.88 | 40528.63 | 5644471.37 |
| 2 | 2024-12 | 57820.50 | 17168.60 | 40651.90 | 5603819.48 |
| 3 | 2025-01 | 57820.50 | 17044.95 | 40775.55 | 5563043.93 |
| 4 | 2025-02 | 57820.50 | 16920.93 | 40899.57 | 5522144.35 |
| 5 | 2025-03 | 57820.50 | 16796.52 | 41023.98 | 5481120.37 |
| 6 | 2025-04 | 57820.50 | 16671.74 | 41148.76 | 5439971.61 |
| 7 | 2025-05 | 57820.50 | 16546.58 | 41273.92 | 5398697.69 |
| 8 | 2025-06 | 57820.50 | 16421.04 | 41399.46 | 5357298.23 |
| 9 | 2025-07 | 57820.50 | 16295.12 | 41525.38 | 5315772.85 |
| 10 | 2025-08 | 57820.50 | 16168.81 | 41651.69 | 5274121.16 |
| 11 | 2025-09 | 57820.50 | 16042.12 | 41778.38 | 5232342.78 |
| 12 | 2025-10 | 57820.50 | 15915.04 | 41905.46 | 5190437.32 |
| 13 | 2025-11 | 57820.50 | 15787.58 | 42032.92 | 5148404.40 |
| 14 | 2025-12 | 57820.50 | 15659.73 | 42160.77 | 5106243.63 |
| 15 | 2026-01 | 57820.50 | 15531.49 | 42289.01 | 5063954.62 |
| 16 | 2026-02 | 57820.50 | 15402.86 | 42417.64 | 5021536.98 |
| 17 | 2026-03 | 57820.50 | 15273.84 | 42546.66 | 4978990.32 |
| 18 | 2026-04 | 57820.50 | 15144.43 | 42676.07 | 4936314.25 |
| 19 | 2026-05 | 57820.50 | 15014.62 | 42805.88 | 4893508.37 |
| 20 | 2026-06 | 57820.50 | 14884.42 | 42936.08 | 4850572.29 |
| 21 | 2026-07 | 57820.50 | 14753.82 | 43066.68 | 4807505.62 |
| 22 | 2026-08 | 57820.50 | 14622.83 | 43197.67 | 4764307.95 |
| 23 | 2026-09 | 57820.50 | 14491.44 | 43329.06 | 4720978.88 |
| 24 | 2026-10 | 57820.50 | 14359.64 | 43460.86 | 4677518.03 |
| 25 | 2026-11 | 57820.50 | 14227.45 | 43593.05 | 4633924.98 |
| 26 | 2026-12 | 57820.50 | 14094.86 | 43725.65 | 4590199.33 |
| 27 | 2027-01 | 57820.50 | 13961.86 | 43858.64 | 4546340.69 |
| 28 | 2027-02 | 57820.50 | 13828.45 | 43992.05 | 4502348.64 |
| 29 | 2027-03 | 57820.50 | 13694.64 | 44125.86 | 4458222.79 |
| 30 | 2027-04 | 57820.50 | 13560.43 | 44260.07 | 4413962.71 |
| 31 | 2027-05 | 57820.50 | 13425.80 | 44394.70 | 4369568.02 |
| 32 | 2027-06 | 57820.50 | 13290.77 | 44529.73 | 4325038.29 |
| 33 | 2027-07 | 57820.50 | 13155.32 | 44665.18 | 4280373.11 |
| 34 | 2027-08 | 57820.50 | 13019.47 | 44801.03 | 4235572.08 |
| 35 | 2027-09 | 57820.50 | 12883.20 | 44937.30 | 4190634.78 |
| 36 | 2027-10 | 57820.50 | 12746.51 | 45073.99 | 4145560.79 |
| 37 | 2027-11 | 57820.50 | 12609.41 | 45211.09 | 4100349.71 |
| 38 | 2027-12 | 57820.50 | 12471.90 | 45348.60 | 4055001.10 |
| 39 | 2028-01 | 57820.50 | 12333.96 | 45486.54 | 4009514.56 |
| 40 | 2028-02 | 57820.50 | 12195.61 | 45624.89 | 3963889.67 |
| 41 | 2028-03 | 57820.50 | 12056.83 | 45763.67 | 3918126.00 |
| 42 | 2028-04 | 57820.50 | 11917.63 | 45902.87 | 3872223.13 |
| 43 | 2028-05 | 57820.50 | 11778.01 | 46042.49 | 3826180.65 |
| 44 | 2028-06 | 57820.50 | 11637.97 | 46182.53 | 3779998.11 |
| 45 | 2028-07 | 57820.50 | 11497.49 | 46323.01 | 3733675.11 |
| 46 | 2028-08 | 57820.50 | 11356.60 | 46463.91 | 3687211.20 |
| 47 | 2028-09 | 57820.50 | 11215.27 | 46605.23 | 3640605.97 |
| 48 | 2028-10 | 57820.50 | 11073.51 | 46746.99 | 3593858.98 |
| 49 | 2028-11 | 57820.50 | 10931.32 | 46889.18 | 3546969.80 |
| 50 | 2028-12 | 57820.50 | 10788.70 | 47031.80 | 3499938.00 |
| 51 | 2029-01 | 57820.50 | 10645.64 | 47174.86 | 3452763.14 |
| 52 | 2029-02 | 57820.50 | 10502.15 | 47318.35 | 3405444.80 |
| 53 | 2029-03 | 57820.50 | 10358.23 | 47462.27 | 3357982.53 |
| 54 | 2029-04 | 57820.50 | 10213.86 | 47606.64 | 3310375.89 |
| 55 | 2029-05 | 57820.50 | 10069.06 | 47751.44 | 3262624.45 |
| 56 | 2029-06 | 57820.50 | 9923.82 | 47896.68 | 3214727.76 |
| 57 | 2029-07 | 57820.50 | 9778.13 | 48042.37 | 3166685.39 |
| 58 | 2029-08 | 57820.50 | 9632.00 | 48188.50 | 3118496.90 |
| 59 | 2029-09 | 57820.50 | 9485.43 | 48335.07 | 3070161.82 |
| 60 | 2029-10 | 57820.50 | 9338.41 | 48482.09 | 3021679.73 |
| 61 | 2029-11 | 57820.50 | 9190.94 | 48629.56 | 2973050.18 |
| 62 | 2029-12 | 57820.50 | 9043.03 | 48777.47 | 2924272.70 |
| 63 | 2030-01 | 57820.50 | 8894.66 | 48925.84 | 2875346.87 |
| 64 | 2030-02 | 57820.50 | 8745.85 | 49074.65 | 2826272.21 |
| 65 | 2030-03 | 57820.50 | 8596.58 | 49223.92 | 2777048.29 |
| 66 | 2030-04 | 57820.50 | 8446.86 | 49373.64 | 2727674.64 |
| 67 | 2030-05 | 57820.50 | 8296.68 | 49523.82 | 2678150.82 |
| 68 | 2030-06 | 57820.50 | 8146.04 | 49674.46 | 2628476.36 |
| 69 | 2030-07 | 57820.50 | 7994.95 | 49825.55 | 2578650.81 |
| 70 | 2030-08 | 57820.50 | 7843.40 | 49977.10 | 2528673.71 |
| 71 | 2030-09 | 57820.50 | 7691.38 | 50129.12 | 2478544.59 |
| 72 | 2030-10 | 57820.50 | 7538.91 | 50281.59 | 2428263.00 |
| 73 | 2030-11 | 57820.50 | 7385.97 | 50434.53 | 2377828.46 |
| 74 | 2030-12 | 57820.50 | 7232.56 | 50587.94 | 2327240.53 |
| 75 | 2031-01 | 57820.50 | 7078.69 | 50741.81 | 2276498.71 |
| 76 | 2031-02 | 57820.50 | 6924.35 | 50896.15 | 2225602.57 |
| 77 | 2031-03 | 57820.50 | 6769.54 | 51050.96 | 2174551.61 |
| 78 | 2031-04 | 57820.50 | 6614.26 | 51206.24 | 2123345.37 |
| 79 | 2031-05 | 57820.50 | 6458.51 | 51361.99 | 2071983.38 |
| 80 | 2031-06 | 57820.50 | 6302.28 | 51518.22 | 2020465.16 |
| 81 | 2031-07 | 57820.50 | 6145.58 | 51674.92 | 1968790.24 |
| 82 | 2031-08 | 57820.50 | 5988.40 | 51832.10 | 1916958.14 |
| 83 | 2031-09 | 57820.50 | 5830.75 | 51989.75 | 1864968.39 |
| 84 | 2031-10 | 57820.50 | 5672.61 | 52147.89 | 1812820.50 |
| 85 | 2031-11 | 57820.50 | 5514.00 | 52306.50 | 1760514.00 |
| 86 | 2031-12 | 57820.50 | 5354.90 | 52465.60 | 1708048.39 |
| 87 | 2032-01 | 57820.50 | 5195.31 | 52625.19 | 1655423.21 |
| 88 | 2032-02 | 57820.50 | 5035.25 | 52785.25 | 1602637.95 |
| 89 | 2032-03 | 57820.50 | 4874.69 | 52945.81 | 1549692.14 |
| 90 | 2032-04 | 57820.50 | 4713.65 | 53106.85 | 1496585.29 |
| 91 | 2032-05 | 57820.50 | 4552.11 | 53268.39 | 1443316.90 |
| 92 | 2032-06 | 57820.50 | 4390.09 | 53430.41 | 1389886.49 |
| 93 | 2032-07 | 57820.50 | 4227.57 | 53592.93 | 1336293.56 |
| 94 | 2032-08 | 57820.50 | 4064.56 | 53755.94 | 1282537.62 |
| 95 | 2032-09 | 57820.50 | 3901.05 | 53919.45 | 1228618.18 |
| 96 | 2032-10 | 57820.50 | 3737.05 | 54083.45 | 1174534.72 |
| 97 | 2032-11 | 57820.50 | 3572.54 | 54247.96 | 1120286.77 |
| 98 | 2032-12 | 57820.50 | 3407.54 | 54412.96 | 1065873.80 |
| 99 | 2033-01 | 57820.50 | 3242.03 | 54578.47 | 1011295.34 |
| 100 | 2033-02 | 57820.50 | 3076.02 | 54744.48 | 956550.86 |
| 101 | 2033-03 | 57820.50 | 2909.51 | 54910.99 | 901639.87 |
| 102 | 2033-04 | 57820.50 | 2742.49 | 55078.01 | 846561.86 |
| 103 | 2033-05 | 57820.50 | 2574.96 | 55245.54 | 791316.32 |
| 104 | 2033-06 | 57820.50 | 2406.92 | 55413.58 | 735902.74 |
| 105 | 2033-07 | 57820.50 | 2238.37 | 55582.13 | 680320.61 |
| 106 | 2033-08 | 57820.50 | 2069.31 | 55751.19 | 624569.42 |
| 107 | 2033-09 | 57820.50 | 1899.73 | 55920.77 | 568648.65 |
| 108 | 2033-10 | 57820.50 | 1729.64 | 56090.86 | 512557.79 |
| 109 | 2033-11 | 57820.50 | 1559.03 | 56261.47 | 456296.32 |
| 110 | 2033-12 | 57820.50 | 1387.90 | 56432.60 | 399863.72 |
| 111 | 2034-01 | 57820.50 | 1216.25 | 56604.25 | 343259.47 |
| 112 | 2034-02 | 57820.50 | 1044.08 | 56776.42 | 286483.05 |
| 113 | 2034-03 | 57820.50 | 871.39 | 56949.11 | 229533.94 |
| 114 | 2034-04 | 57820.50 | 698.17 | 57122.33 | 172411.60 |
| 115 | 2034-05 | 57820.50 | 524.42 | 57296.08 | 115115.52 |
| 116 | 2034-06 | 57820.50 | 350.14 | 57470.36 | 57645.16 |
| 117 | 2034-07 | 57820.50 | 175.34 | 57645.16 | 0.00 |
还款方式二：等额本金
贷款总额：568.5万
还款月数：9年9个月
首月还款：65881.62元
每月递减：147.79元
利息总额：102.02万
本息合计：670.52万
节省利息：59777.89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 | 65881.62 | 17291.88 | 48589.74 | 5636410.26 |
| 2 | 2024-12 | 65733.82 | 17144.08 | 48589.74 | 5587820.51 |
| 3 | 2025-01 | 65586.03 | 16996.29 | 48589.74 | 5539230.77 |
| 4 | 2025-02 | 65438.24 | 16848.49 | 48589.74 | 5490641.03 |
| 5 | 2025-03 | 65290.44 | 16700.70 | 48589.74 | 5442051.28 |
| 6 | 2025-04 | 65142.65 | 16552.91 | 48589.74 | 5393461.54 |
| 7 | 2025-05 | 64994.86 | 16405.11 | 48589.74 | 5344871.79 |
| 8 | 2025-06 | 64847.06 | 16257.32 | 48589.74 | 5296282.05 |
| 9 | 2025-07 | 64699.27 | 16109.52 | 48589.74 | 5247692.31 |
| 10 | 2025-08 | 64551.47 | 15961.73 | 48589.74 | 5199102.56 |
| 11 | 2025-09 | 64403.68 | 15813.94 | 48589.74 | 5150512.82 |
| 12 | 2025-10 | 64255.89 | 15666.14 | 48589.74 | 5101923.08 |
| 13 | 2025-11 | 64108.09 | 15518.35 | 48589.74 | 5053333.33 |
| 14 | 2025-12 | 63960.30 | 15370.56 | 48589.74 | 5004743.59 |
| 15 | 2026-01 | 63812.51 | 15222.76 | 48589.74 | 4956153.85 |
| 16 | 2026-02 | 63664.71 | 15074.97 | 48589.74 | 4907564.10 |
| 17 | 2026-03 | 63516.92 | 14927.17 | 48589.74 | 4858974.36 |
| 18 | 2026-04 | 63369.12 | 14779.38 | 48589.74 | 4810384.62 |
| 19 | 2026-05 | 63221.33 | 14631.59 | 48589.74 | 4761794.87 |
| 20 | 2026-06 | 63073.54 | 14483.79 | 48589.74 | 4713205.13 |
| 21 | 2026-07 | 62925.74 | 14336.00 | 48589.74 | 4664615.38 |
| 22 | 2026-08 | 62777.95 | 14188.21 | 48589.74 | 4616025.64 |
| 23 | 2026-09 | 62630.15 | 14040.41 | 48589.74 | 4567435.90 |
| 24 | 2026-10 | 62482.36 | 13892.62 | 48589.74 | 4518846.15 |
| 25 | 2026-11 | 62334.57 | 13744.82 | 48589.74 | 4470256.41 |
| 26 | 2026-12 | 62186.77 | 13597.03 | 48589.74 | 4421666.67 |
| 27 | 2027-01 | 62038.98 | 13449.24 | 48589.74 | 4373076.92 |
| 28 | 2027-02 | 61891.19 | 13301.44 | 48589.74 | 4324487.18 |
| 29 | 2027-03 | 61743.39 | 13153.65 | 48589.74 | 4275897.44 |
| 30 | 2027-04 | 61595.60 | 13005.85 | 48589.74 | 4227307.69 |
| 31 | 2027-05 | 61447.80 | 12858.06 | 48589.74 | 4178717.95 |
| 32 | 2027-06 | 61300.01 | 12710.27 | 48589.74 | 4130128.21 |
| 33 | 2027-07 | 61152.22 | 12562.47 | 48589.74 | 4081538.46 |
| 34 | 2027-08 | 61004.42 | 12414.68 | 48589.74 | 4032948.72 |
| 35 | 2027-09 | 60856.63 | 12266.89 | 48589.74 | 3984358.97 |
| 36 | 2027-10 | 60708.84 | 12119.09 | 48589.74 | 3935769.23 |
| 37 | 2027-11 | 60561.04 | 11971.30 | 48589.74 | 3887179.49 |
| 38 | 2027-12 | 60413.25 | 11823.50 | 48589.74 | 3838589.74 |
| 39 | 2028-01 | 60265.45 | 11675.71 | 48589.74 | 3790000.00 |
| 40 | 2028-02 | 60117.66 | 11527.92 | 48589.74 | 3741410.26 |
| 41 | 2028-03 | 59969.87 | 11380.12 | 48589.74 | 3692820.51 |
| 42 | 2028-04 | 59822.07 | 11232.33 | 48589.74 | 3644230.77 |
| 43 | 2028-05 | 59674.28 | 11084.54 | 48589.74 | 3595641.03 |
| 44 | 2028-06 | 59526.49 | 10936.74 | 48589.74 | 3547051.28 |
| 45 | 2028-07 | 59378.69 | 10788.95 | 48589.74 | 3498461.54 |
| 46 | 2028-08 | 59230.90 | 10641.15 | 48589.74 | 3449871.79 |
| 47 | 2028-09 | 59083.10 | 10493.36 | 48589.74 | 3401282.05 |
| 48 | 2028-10 | 58935.31 | 10345.57 | 48589.74 | 3352692.31 |
| 49 | 2028-11 | 58787.52 | 10197.77 | 48589.74 | 3304102.56 |
| 50 | 2028-12 | 58639.72 | 10049.98 | 48589.74 | 3255512.82 |
| 51 | 2029-01 | 58491.93 | 9902.18 | 48589.74 | 3206923.08 |
| 52 | 2029-02 | 58344.13 | 9754.39 | 48589.74 | 3158333.33 |
| 53 | 2029-03 | 58196.34 | 9606.60 | 48589.74 | 3109743.59 |
| 54 | 2029-04 | 58048.55 | 9458.80 | 48589.74 | 3061153.85 |
| 55 | 2029-05 | 57900.75 | 9311.01 | 48589.74 | 3012564.10 |
| 56 | 2029-06 | 57752.96 | 9163.22 | 48589.74 | 2963974.36 |
| 57 | 2029-07 | 57605.17 | 9015.42 | 48589.74 | 2915384.62 |
| 58 | 2029-08 | 57457.37 | 8867.63 | 48589.74 | 2866794.87 |
| 59 | 2029-09 | 57309.58 | 8719.83 | 48589.74 | 2818205.13 |
| 60 | 2029-10 | 57161.78 | 8572.04 | 48589.74 | 2769615.38 |
| 61 | 2029-11 | 57013.99 | 8424.25 | 48589.74 | 2721025.64 |
| 62 | 2029-12 | 56866.20 | 8276.45 | 48589.74 | 2672435.90 |
| 63 | 2030-01 | 56718.40 | 8128.66 | 48589.74 | 2623846.15 |
| 64 | 2030-02 | 56570.61 | 7980.87 | 48589.74 | 2575256.41 |
| 65 | 2030-03 | 56422.82 | 7833.07 | 48589.74 | 2526666.67 |
| 66 | 2030-04 | 56275.02 | 7685.28 | 48589.74 | 2478076.92 |
| 67 | 2030-05 | 56127.23 | 7537.48 | 48589.74 | 2429487.18 |
| 68 | 2030-06 | 55979.43 | 7389.69 | 48589.74 | 2380897.44 |
| 69 | 2030-07 | 55831.64 | 7241.90 | 48589.74 | 2332307.69 |
| 70 | 2030-08 | 55683.85 | 7094.10 | 48589.74 | 2283717.95 |
| 71 | 2030-09 | 55536.05 | 6946.31 | 48589.74 | 2235128.21 |
| 72 | 2030-10 | 55388.26 | 6798.51 | 48589.74 | 2186538.46 |
| 73 | 2030-11 | 55240.46 | 6650.72 | 48589.74 | 2137948.72 |
| 74 | 2030-12 | 55092.67 | 6502.93 | 48589.74 | 2089358.97 |
| 75 | 2031-01 | 54944.88 | 6355.13 | 48589.74 | 2040769.23 |
| 76 | 2031-02 | 54797.08 | 6207.34 | 48589.74 | 1992179.49 |
| 77 | 2031-03 | 54649.29 | 6059.55 | 48589.74 | 1943589.74 |
| 78 | 2031-04 | 54501.50 | 5911.75 | 48589.74 | 1895000.00 |
| 79 | 2031-05 | 54353.70 | 5763.96 | 48589.74 | 1846410.26 |
| 80 | 2031-06 | 54205.91 | 5616.16 | 48589.74 | 1797820.51 |
| 81 | 2031-07 | 54058.11 | 5468.37 | 48589.74 | 1749230.77 |
| 82 | 2031-08 | 53910.32 | 5320.58 | 48589.74 | 1700641.03 |
| 83 | 2031-09 | 53762.53 | 5172.78 | 48589.74 | 1652051.28 |
| 84 | 2031-10 | 53614.73 | 5024.99 | 48589.74 | 1603461.54 |
| 85 | 2031-11 | 53466.94 | 4877.20 | 48589.74 | 1554871.79 |
| 86 | 2031-12 | 53319.15 | 4729.40 | 48589.74 | 1506282.05 |
| 87 | 2032-01 | 53171.35 | 4581.61 | 48589.74 | 1457692.31 |
| 88 | 2032-02 | 53023.56 | 4433.81 | 48589.74 | 1409102.56 |
| 89 | 2032-03 | 52875.76 | 4286.02 | 48589.74 | 1360512.82 |
| 90 | 2032-04 | 52727.97 | 4138.23 | 48589.74 | 1311923.08 |
| 91 | 2032-05 | 52580.18 | 3990.43 | 48589.74 | 1263333.33 |
| 92 | 2032-06 | 52432.38 | 3842.64 | 48589.74 | 1214743.59 |
| 93 | 2032-07 | 52284.59 | 3694.85 | 48589.74 | 1166153.85 |
| 94 | 2032-08 | 52136.79 | 3547.05 | 48589.74 | 1117564.10 |
| 95 | 2032-09 | 51989.00 | 3399.26 | 48589.74 | 1068974.36 |
| 96 | 2032-10 | 51841.21 | 3251.46 | 48589.74 | 1020384.62 |
| 97 | 2032-11 | 51693.41 | 3103.67 | 48589.74 | 971794.87 |
| 98 | 2032-12 | 51545.62 | 2955.88 | 48589.74 | 923205.13 |
| 99 | 2033-01 | 51397.83 | 2808.08 | 48589.74 | 874615.38 |
| 100 | 2033-02 | 51250.03 | 2660.29 | 48589.74 | 826025.64 |
| 101 | 2033-03 | 51102.24 | 2512.49 | 48589.74 | 777435.90 |
| 102 | 2033-04 | 50954.44 | 2364.70 | 48589.74 | 728846.15 |
| 103 | 2033-05 | 50806.65 | 2216.91 | 48589.74 | 680256.41 |
| 104 | 2033-06 | 50658.86 | 2069.11 | 48589.74 | 631666.67 |
| 105 | 2033-07 | 50511.06 | 1921.32 | 48589.74 | 583076.92 |
| 106 | 2033-08 | 50363.27 | 1773.53 | 48589.74 | 534487.18 |
| 107 | 2033-09 | 50215.48 | 1625.73 | 48589.74 | 485897.44 |
| 108 | 2033-10 | 50067.68 | 1477.94 | 48589.74 | 437307.69 |
| 109 | 2033-11 | 49919.89 | 1330.14 | 48589.74 | 388717.95 |
| 110 | 2033-12 | 49772.09 | 1182.35 | 48589.74 | 340128.21 |
| 111 | 2034-01 | 49624.30 | 1034.56 | 48589.74 | 291538.46 |
| 112 | 2034-02 | 49476.51 | 886.76 | 48589.74 | 242948.72 |
| 113 | 2034-03 | 49328.71 | 738.97 | 48589.74 | 194358.97 |
| 114 | 2034-04 | 49180.92 | 591.18 | 48589.74 | 145769.23 |
| 115 | 2034-05 | 49033.13 | 443.38 | 48589.74 | 97179.49 |
| 116 | 2034-06 | 48885.33 | 295.59 | 48589.74 | 48589.74 |
| 117 | 2034-07 | 48737.54 | 147.79 | 48589.74 | 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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