贷款38.12万（商业贷款）的房贷，还款10年5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：38.12万
还款月数：10年5个月
每月还款：3715.45元
利息总额：8.33万
本息合计：46.44万
| 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 | 3715.45 | 1238.80 | 2476.66 | 378691.67 |
| 2 | 2024-12 | 3715.45 | 1230.75 | 2484.71 | 376206.97 |
| 3 | 2025-01 | 3715.45 | 1222.67 | 2492.78 | 373714.19 |
| 4 | 2025-02 | 3715.45 | 1214.57 | 2500.88 | 371213.30 |
| 5 | 2025-03 | 3715.45 | 1206.44 | 2509.01 | 368704.29 |
| 6 | 2025-04 | 3715.45 | 1198.29 | 2517.16 | 366187.13 |
| 7 | 2025-05 | 3715.45 | 1190.11 | 2525.35 | 363661.78 |
| 8 | 2025-06 | 3715.45 | 1181.90 | 2533.55 | 361128.23 |
| 9 | 2025-07 | 3715.45 | 1173.67 | 2541.79 | 358586.44 |
| 10 | 2025-08 | 3715.45 | 1165.41 | 2550.05 | 356036.39 |
| 11 | 2025-09 | 3715.45 | 1157.12 | 2558.34 | 353478.06 |
| 12 | 2025-10 | 3715.45 | 1148.80 | 2566.65 | 350911.41 |
| 13 | 2025-11 | 3715.45 | 1140.46 | 2574.99 | 348336.42 |
| 14 | 2025-12 | 3715.45 | 1132.09 | 2583.36 | 345753.06 |
| 15 | 2026-01 | 3715.45 | 1123.70 | 2591.76 | 343161.30 |
| 16 | 2026-02 | 3715.45 | 1115.27 | 2600.18 | 340561.12 |
| 17 | 2026-03 | 3715.45 | 1106.82 | 2608.63 | 337952.49 |
| 18 | 2026-04 | 3715.45 | 1098.35 | 2617.11 | 335335.38 |
| 19 | 2026-05 | 3715.45 | 1089.84 | 2625.61 | 332709.77 |
| 20 | 2026-06 | 3715.45 | 1081.31 | 2634.15 | 330075.62 |
| 21 | 2026-07 | 3715.45 | 1072.75 | 2642.71 | 327432.91 |
| 22 | 2026-08 | 3715.45 | 1064.16 | 2651.30 | 324781.62 |
| 23 | 2026-09 | 3715.45 | 1055.54 | 2659.91 | 322121.70 |
| 24 | 2026-10 | 3715.45 | 1046.90 | 2668.56 | 319453.15 |
| 25 | 2026-11 | 3715.45 | 1038.22 | 2677.23 | 316775.91 |
| 26 | 2026-12 | 3715.45 | 1029.52 | 2685.93 | 314089.98 |
| 27 | 2027-01 | 3715.45 | 1020.79 | 2694.66 | 311395.32 |
| 28 | 2027-02 | 3715.45 | 1012.03 | 2703.42 | 308691.90 |
| 29 | 2027-03 | 3715.45 | 1003.25 | 2712.21 | 305979.70 |
| 30 | 2027-04 | 3715.45 | 994.43 | 2721.02 | 303258.68 |
| 31 | 2027-05 | 3715.45 | 985.59 | 2729.86 | 300528.81 |
| 32 | 2027-06 | 3715.45 | 976.72 | 2738.74 | 297790.08 |
| 33 | 2027-07 | 3715.45 | 967.82 | 2747.64 | 295042.44 |
| 34 | 2027-08 | 3715.45 | 958.89 | 2756.57 | 292285.88 |
| 35 | 2027-09 | 3715.45 | 949.93 | 2765.52 | 289520.35 |
| 36 | 2027-10 | 3715.45 | 940.94 | 2774.51 | 286745.84 |
| 37 | 2027-11 | 3715.45 | 931.92 | 2783.53 | 283962.31 |
| 38 | 2027-12 | 3715.45 | 922.88 | 2792.58 | 281169.73 |
| 39 | 2028-01 | 3715.45 | 913.80 | 2801.65 | 278368.08 |
| 40 | 2028-02 | 3715.45 | 904.70 | 2810.76 | 275557.32 |
| 41 | 2028-03 | 3715.45 | 895.56 | 2819.89 | 272737.43 |
| 42 | 2028-04 | 3715.45 | 886.40 | 2829.06 | 269908.37 |
| 43 | 2028-05 | 3715.45 | 877.20 | 2838.25 | 267070.12 |
| 44 | 2028-06 | 3715.45 | 867.98 | 2847.48 | 264222.65 |
| 45 | 2028-07 | 3715.45 | 858.72 | 2856.73 | 261365.92 |
| 46 | 2028-08 | 3715.45 | 849.44 | 2866.01 | 258499.90 |
| 47 | 2028-09 | 3715.45 | 840.12 | 2875.33 | 255624.57 |
| 48 | 2028-10 | 3715.45 | 830.78 | 2884.67 | 252739.90 |
| 49 | 2028-11 | 3715.45 | 821.40 | 2894.05 | 249845.85 |
| 50 | 2028-12 | 3715.45 | 812.00 | 2903.45 | 246942.40 |
| 51 | 2029-01 | 3715.45 | 802.56 | 2912.89 | 244029.50 |
| 52 | 2029-02 | 3715.45 | 793.10 | 2922.36 | 241107.15 |
| 53 | 2029-03 | 3715.45 | 783.60 | 2931.86 | 238175.29 |
| 54 | 2029-04 | 3715.45 | 774.07 | 2941.38 | 235233.91 |
| 55 | 2029-05 | 3715.45 | 764.51 | 2950.94 | 232282.96 |
| 56 | 2029-06 | 3715.45 | 754.92 | 2960.53 | 229322.43 |
| 57 | 2029-07 | 3715.45 | 745.30 | 2970.16 | 226352.27 |
| 58 | 2029-08 | 3715.45 | 735.64 | 2979.81 | 223372.46 |
| 59 | 2029-09 | 3715.45 | 725.96 | 2989.49 | 220382.97 |
| 60 | 2029-10 | 3715.45 | 716.24 | 2999.21 | 217383.76 |
| 61 | 2029-11 | 3715.45 | 706.50 | 3008.96 | 214374.81 |
| 62 | 2029-12 | 3715.45 | 696.72 | 3018.74 | 211356.07 |
| 63 | 2030-01 | 3715.45 | 686.91 | 3028.55 | 208327.52 |
| 64 | 2030-02 | 3715.45 | 677.06 | 3038.39 | 205289.13 |
| 65 | 2030-03 | 3715.45 | 667.19 | 3048.26 | 202240.87 |
| 66 | 2030-04 | 3715.45 | 657.28 | 3058.17 | 199182.70 |
| 67 | 2030-05 | 3715.45 | 647.34 | 3068.11 | 196114.59 |
| 68 | 2030-06 | 3715.45 | 637.37 | 3078.08 | 193036.51 |
| 69 | 2030-07 | 3715.45 | 627.37 | 3088.09 | 189948.42 |
| 70 | 2030-08 | 3715.45 | 617.33 | 3098.12 | 186850.30 |
| 71 | 2030-09 | 3715.45 | 607.26 | 3108.19 | 183742.11 |
| 72 | 2030-10 | 3715.45 | 597.16 | 3118.29 | 180623.82 |
| 73 | 2030-11 | 3715.45 | 587.03 | 3128.43 | 177495.39 |
| 74 | 2030-12 | 3715.45 | 576.86 | 3138.59 | 174356.80 |
| 75 | 2031-01 | 3715.45 | 566.66 | 3148.79 | 171208.00 |
| 76 | 2031-02 | 3715.45 | 556.43 | 3159.03 | 168048.98 |
| 77 | 2031-03 | 3715.45 | 546.16 | 3169.29 | 164879.68 |
| 78 | 2031-04 | 3715.45 | 535.86 | 3179.59 | 161700.09 |
| 79 | 2031-05 | 3715.45 | 525.53 | 3189.93 | 158510.16 |
| 80 | 2031-06 | 3715.45 | 515.16 | 3200.30 | 155309.86 |
| 81 | 2031-07 | 3715.45 | 504.76 | 3210.70 | 152099.17 |
| 82 | 2031-08 | 3715.45 | 494.32 | 3221.13 | 148878.04 |
| 83 | 2031-09 | 3715.45 | 483.85 | 3231.60 | 145646.44 |
| 84 | 2031-10 | 3715.45 | 473.35 | 3242.10 | 142404.33 |
| 85 | 2031-11 | 3715.45 | 462.81 | 3252.64 | 139151.69 |
| 86 | 2031-12 | 3715.45 | 452.24 | 3263.21 | 135888.48 |
| 87 | 2032-01 | 3715.45 | 441.64 | 3273.82 | 132614.67 |
| 88 | 2032-02 | 3715.45 | 431.00 | 3284.46 | 129330.21 |
| 89 | 2032-03 | 3715.45 | 420.32 | 3295.13 | 126035.08 |
| 90 | 2032-04 | 3715.45 | 409.61 | 3305.84 | 122729.24 |
| 91 | 2032-05 | 3715.45 | 398.87 | 3316.58 | 119412.66 |
| 92 | 2032-06 | 3715.45 | 388.09 | 3327.36 | 116085.29 |
| 93 | 2032-07 | 3715.45 | 377.28 | 3338.18 | 112747.12 |
| 94 | 2032-08 | 3715.45 | 366.43 | 3349.03 | 109398.09 |
| 95 | 2032-09 | 3715.45 | 355.54 | 3359.91 | 106038.18 |
| 96 | 2032-10 | 3715.45 | 344.62 | 3370.83 | 102667.35 |
| 97 | 2032-11 | 3715.45 | 333.67 | 3381.78 | 99285.57 |
| 98 | 2032-12 | 3715.45 | 322.68 | 3392.78 | 95892.79 |
| 99 | 2033-01 | 3715.45 | 311.65 | 3403.80 | 92488.99 |
| 100 | 2033-02 | 3715.45 | 300.59 | 3414.86 | 89074.12 |
| 101 | 2033-03 | 3715.45 | 289.49 | 3425.96 | 85648.16 |
| 102 | 2033-04 | 3715.45 | 278.36 | 3437.10 | 82211.06 |
| 103 | 2033-05 | 3715.45 | 267.19 | 3448.27 | 78762.80 |
| 104 | 2033-06 | 3715.45 | 255.98 | 3459.47 | 75303.32 |
| 105 | 2033-07 | 3715.45 | 244.74 | 3470.72 | 71832.60 |
| 106 | 2033-08 | 3715.45 | 233.46 | 3482.00 | 68350.60 |
| 107 | 2033-09 | 3715.45 | 222.14 | 3493.31 | 64857.29 |
| 108 | 2033-10 | 3715.45 | 210.79 | 3504.67 | 61352.62 |
| 109 | 2033-11 | 3715.45 | 199.40 | 3516.06 | 57836.57 |
| 110 | 2033-12 | 3715.45 | 187.97 | 3527.48 | 54309.08 |
| 111 | 2034-01 | 3715.45 | 176.50 | 3538.95 | 50770.13 |
| 112 | 2034-02 | 3715.45 | 165.00 | 3550.45 | 47219.68 |
| 113 | 2034-03 | 3715.45 | 153.46 | 3561.99 | 43657.69 |
| 114 | 2034-04 | 3715.45 | 141.89 | 3573.57 | 40084.12 |
| 115 | 2034-05 | 3715.45 | 130.27 | 3585.18 | 36498.94 |
| 116 | 2034-06 | 3715.45 | 118.62 | 3596.83 | 32902.11 |
| 117 | 2034-07 | 3715.45 | 106.93 | 3608.52 | 29293.59 |
| 118 | 2034-08 | 3715.45 | 95.20 | 3620.25 | 25673.34 |
| 119 | 2034-09 | 3715.45 | 83.44 | 3632.02 | 22041.32 |
| 120 | 2034-10 | 3715.45 | 71.63 | 3643.82 | 18397.51 |
| 121 | 2034-11 | 3715.45 | 59.79 | 3655.66 | 14741.84 |
| 122 | 2034-12 | 3715.45 | 47.91 | 3667.54 | 11074.30 |
| 123 | 2035-01 | 3715.45 | 35.99 | 3679.46 | 7394.84 |
| 124 | 2035-02 | 3715.45 | 24.03 | 3691.42 | 3703.42 |
| 125 | 2035-03 | 3715.45 | 12.04 | 3703.42 | 0.00 |
还款方式二：等额本金
贷款总额：38.12万
还款月数：10年5个月
首月还款：4288.14元
每月递减：9.91元
利息总额：7.8万
本息合计：45.92万
节省利息：5219.18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 | 4288.14 | 1238.80 | 3049.35 | 378118.98 |
| 2 | 2024-12 | 4278.23 | 1228.89 | 3049.35 | 375069.64 |
| 3 | 2025-01 | 4268.32 | 1218.98 | 3049.35 | 372020.29 |
| 4 | 2025-02 | 4258.41 | 1209.07 | 3049.35 | 368970.94 |
| 5 | 2025-03 | 4248.50 | 1199.16 | 3049.35 | 365921.60 |
| 6 | 2025-04 | 4238.59 | 1189.25 | 3049.35 | 362872.25 |
| 7 | 2025-05 | 4228.68 | 1179.33 | 3049.35 | 359822.90 |
| 8 | 2025-06 | 4218.77 | 1169.42 | 3049.35 | 356773.56 |
| 9 | 2025-07 | 4208.86 | 1159.51 | 3049.35 | 353724.21 |
| 10 | 2025-08 | 4198.95 | 1149.60 | 3049.35 | 350674.86 |
| 11 | 2025-09 | 4189.04 | 1139.69 | 3049.35 | 347625.52 |
| 12 | 2025-10 | 4179.13 | 1129.78 | 3049.35 | 344576.17 |
| 13 | 2025-11 | 4169.22 | 1119.87 | 3049.35 | 341526.82 |
| 14 | 2025-12 | 4159.31 | 1109.96 | 3049.35 | 338477.48 |
| 15 | 2026-01 | 4149.40 | 1100.05 | 3049.35 | 335428.13 |
| 16 | 2026-02 | 4139.49 | 1090.14 | 3049.35 | 332378.78 |
| 17 | 2026-03 | 4129.58 | 1080.23 | 3049.35 | 329329.44 |
| 18 | 2026-04 | 4119.67 | 1070.32 | 3049.35 | 326280.09 |
| 19 | 2026-05 | 4109.76 | 1060.41 | 3049.35 | 323230.74 |
| 20 | 2026-06 | 4099.85 | 1050.50 | 3049.35 | 320181.40 |
| 21 | 2026-07 | 4089.94 | 1040.59 | 3049.35 | 317132.05 |
| 22 | 2026-08 | 4080.03 | 1030.68 | 3049.35 | 314082.70 |
| 23 | 2026-09 | 4070.12 | 1020.77 | 3049.35 | 311033.36 |
| 24 | 2026-10 | 4060.21 | 1010.86 | 3049.35 | 307984.01 |
| 25 | 2026-11 | 4050.29 | 1000.95 | 3049.35 | 304934.66 |
| 26 | 2026-12 | 4040.38 | 991.04 | 3049.35 | 301885.32 |
| 27 | 2027-01 | 4030.47 | 981.13 | 3049.35 | 298835.97 |
| 28 | 2027-02 | 4020.56 | 971.22 | 3049.35 | 295786.62 |
| 29 | 2027-03 | 4010.65 | 961.31 | 3049.35 | 292737.28 |
| 30 | 2027-04 | 4000.74 | 951.40 | 3049.35 | 289687.93 |
| 31 | 2027-05 | 3990.83 | 941.49 | 3049.35 | 286638.58 |
| 32 | 2027-06 | 3980.92 | 931.58 | 3049.35 | 283589.24 |
| 33 | 2027-07 | 3971.01 | 921.67 | 3049.35 | 280539.89 |
| 34 | 2027-08 | 3961.10 | 911.75 | 3049.35 | 277490.54 |
| 35 | 2027-09 | 3951.19 | 901.84 | 3049.35 | 274441.20 |
| 36 | 2027-10 | 3941.28 | 891.93 | 3049.35 | 271391.85 |
| 37 | 2027-11 | 3931.37 | 882.02 | 3049.35 | 268342.50 |
| 38 | 2027-12 | 3921.46 | 872.11 | 3049.35 | 265293.16 |
| 39 | 2028-01 | 3911.55 | 862.20 | 3049.35 | 262243.81 |
| 40 | 2028-02 | 3901.64 | 852.29 | 3049.35 | 259194.46 |
| 41 | 2028-03 | 3891.73 | 842.38 | 3049.35 | 256145.12 |
| 42 | 2028-04 | 3881.82 | 832.47 | 3049.35 | 253095.77 |
| 43 | 2028-05 | 3871.91 | 822.56 | 3049.35 | 250046.42 |
| 44 | 2028-06 | 3862.00 | 812.65 | 3049.35 | 246997.08 |
| 45 | 2028-07 | 3852.09 | 802.74 | 3049.35 | 243947.73 |
| 46 | 2028-08 | 3842.18 | 792.83 | 3049.35 | 240898.38 |
| 47 | 2028-09 | 3832.27 | 782.92 | 3049.35 | 237849.04 |
| 48 | 2028-10 | 3822.36 | 773.01 | 3049.35 | 234799.69 |
| 49 | 2028-11 | 3812.45 | 763.10 | 3049.35 | 231750.34 |
| 50 | 2028-12 | 3802.54 | 753.19 | 3049.35 | 228701.00 |
| 51 | 2029-01 | 3792.62 | 743.28 | 3049.35 | 225651.65 |
| 52 | 2029-02 | 3782.71 | 733.37 | 3049.35 | 222602.30 |
| 53 | 2029-03 | 3772.80 | 723.46 | 3049.35 | 219552.96 |
| 54 | 2029-04 | 3762.89 | 713.55 | 3049.35 | 216503.61 |
| 55 | 2029-05 | 3752.98 | 703.64 | 3049.35 | 213454.26 |
| 56 | 2029-06 | 3743.07 | 693.73 | 3049.35 | 210404.92 |
| 57 | 2029-07 | 3733.16 | 683.82 | 3049.35 | 207355.57 |
| 58 | 2029-08 | 3723.25 | 673.91 | 3049.35 | 204306.22 |
| 59 | 2029-09 | 3713.34 | 664.00 | 3049.35 | 201256.88 |
| 60 | 2029-10 | 3703.43 | 654.08 | 3049.35 | 198207.53 |
| 61 | 2029-11 | 3693.52 | 644.17 | 3049.35 | 195158.18 |
| 62 | 2029-12 | 3683.61 | 634.26 | 3049.35 | 192108.84 |
| 63 | 2030-01 | 3673.70 | 624.35 | 3049.35 | 189059.49 |
| 64 | 2030-02 | 3663.79 | 614.44 | 3049.35 | 186010.15 |
| 65 | 2030-03 | 3653.88 | 604.53 | 3049.35 | 182960.80 |
| 66 | 2030-04 | 3643.97 | 594.62 | 3049.35 | 179911.45 |
| 67 | 2030-05 | 3634.06 | 584.71 | 3049.35 | 176862.11 |
| 68 | 2030-06 | 3624.15 | 574.80 | 3049.35 | 173812.76 |
| 69 | 2030-07 | 3614.24 | 564.89 | 3049.35 | 170763.41 |
| 70 | 2030-08 | 3604.33 | 554.98 | 3049.35 | 167714.07 |
| 71 | 2030-09 | 3594.42 | 545.07 | 3049.35 | 164664.72 |
| 72 | 2030-10 | 3584.51 | 535.16 | 3049.35 | 161615.37 |
| 73 | 2030-11 | 3574.60 | 525.25 | 3049.35 | 158566.03 |
| 74 | 2030-12 | 3564.69 | 515.34 | 3049.35 | 155516.68 |
| 75 | 2031-01 | 3554.78 | 505.43 | 3049.35 | 152467.33 |
| 76 | 2031-02 | 3544.87 | 495.52 | 3049.35 | 149417.99 |
| 77 | 2031-03 | 3534.96 | 485.61 | 3049.35 | 146368.64 |
| 78 | 2031-04 | 3525.04 | 475.70 | 3049.35 | 143319.29 |
| 79 | 2031-05 | 3515.13 | 465.79 | 3049.35 | 140269.95 |
| 80 | 2031-06 | 3505.22 | 455.88 | 3049.35 | 137220.60 |
| 81 | 2031-07 | 3495.31 | 445.97 | 3049.35 | 134171.25 |
| 82 | 2031-08 | 3485.40 | 436.06 | 3049.35 | 131121.91 |
| 83 | 2031-09 | 3475.49 | 426.15 | 3049.35 | 128072.56 |
| 84 | 2031-10 | 3465.58 | 416.24 | 3049.35 | 125023.21 |
| 85 | 2031-11 | 3455.67 | 406.33 | 3049.35 | 121973.87 |
| 86 | 2031-12 | 3445.76 | 396.42 | 3049.35 | 118924.52 |
| 87 | 2032-01 | 3435.85 | 386.50 | 3049.35 | 115875.17 |
| 88 | 2032-02 | 3425.94 | 376.59 | 3049.35 | 112825.83 |
| 89 | 2032-03 | 3416.03 | 366.68 | 3049.35 | 109776.48 |
| 90 | 2032-04 | 3406.12 | 356.77 | 3049.35 | 106727.13 |
| 91 | 2032-05 | 3396.21 | 346.86 | 3049.35 | 103677.79 |
| 92 | 2032-06 | 3386.30 | 336.95 | 3049.35 | 100628.44 |
| 93 | 2032-07 | 3376.39 | 327.04 | 3049.35 | 97579.09 |
| 94 | 2032-08 | 3366.48 | 317.13 | 3049.35 | 94529.75 |
| 95 | 2032-09 | 3356.57 | 307.22 | 3049.35 | 91480.40 |
| 96 | 2032-10 | 3346.66 | 297.31 | 3049.35 | 88431.05 |
| 97 | 2032-11 | 3336.75 | 287.40 | 3049.35 | 85381.71 |
| 98 | 2032-12 | 3326.84 | 277.49 | 3049.35 | 82332.36 |
| 99 | 2033-01 | 3316.93 | 267.58 | 3049.35 | 79283.01 |
| 100 | 2033-02 | 3307.02 | 257.67 | 3049.35 | 76233.67 |
| 101 | 2033-03 | 3297.11 | 247.76 | 3049.35 | 73184.32 |
| 102 | 2033-04 | 3287.20 | 237.85 | 3049.35 | 70134.97 |
| 103 | 2033-05 | 3277.29 | 227.94 | 3049.35 | 67085.63 |
| 104 | 2033-06 | 3267.37 | 218.03 | 3049.35 | 64036.28 |
| 105 | 2033-07 | 3257.46 | 208.12 | 3049.35 | 60986.93 |
| 106 | 2033-08 | 3247.55 | 198.21 | 3049.35 | 57937.59 |
| 107 | 2033-09 | 3237.64 | 188.30 | 3049.35 | 54888.24 |
| 108 | 2033-10 | 3227.73 | 178.39 | 3049.35 | 51838.89 |
| 109 | 2033-11 | 3217.82 | 168.48 | 3049.35 | 48789.55 |
| 110 | 2033-12 | 3207.91 | 158.57 | 3049.35 | 45740.20 |
| 111 | 2034-01 | 3198.00 | 148.66 | 3049.35 | 42690.85 |
| 112 | 2034-02 | 3188.09 | 138.75 | 3049.35 | 39641.51 |
| 113 | 2034-03 | 3178.18 | 128.83 | 3049.35 | 36592.16 |
| 114 | 2034-04 | 3168.27 | 118.92 | 3049.35 | 33542.81 |
| 115 | 2034-05 | 3158.36 | 109.01 | 3049.35 | 30493.47 |
| 116 | 2034-06 | 3148.45 | 99.10 | 3049.35 | 27444.12 |
| 117 | 2034-07 | 3138.54 | 89.19 | 3049.35 | 24394.77 |
| 118 | 2034-08 | 3128.63 | 79.28 | 3049.35 | 21345.43 |
| 119 | 2034-09 | 3118.72 | 69.37 | 3049.35 | 18296.08 |
| 120 | 2034-10 | 3108.81 | 59.46 | 3049.35 | 15246.73 |
| 121 | 2034-11 | 3098.90 | 49.55 | 3049.35 | 12197.39 |
| 122 | 2034-12 | 3088.99 | 39.64 | 3049.35 | 9148.04 |
| 123 | 2035-01 | 3079.08 | 29.73 | 3049.35 | 6098.69 |
| 124 | 2035-02 | 3069.17 | 19.82 | 3049.35 | 3049.35 |
| 125 | 2035-03 | 3059.26 | 9.91 | 3049.35 | 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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