贷款122.5万(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:122.5万
还款月数:10年
每月还款:12027.63元
利息总额:21.83万
本息合计:144.33万
| 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 | 12027.63 | 3419.79 | 8607.84 | 1216392.16 |
| 2 | 2024-12 | 12027.63 | 3395.76 | 8631.87 | 1207760.29 |
| 3 | 2025-01 | 12027.63 | 3371.66 | 8655.97 | 1199104.33 |
| 4 | 2025-02 | 12027.63 | 3347.50 | 8680.13 | 1190424.19 |
| 5 | 2025-03 | 12027.63 | 3323.27 | 8704.36 | 1181719.83 |
| 6 | 2025-04 | 12027.63 | 3298.97 | 8728.66 | 1172991.17 |
| 7 | 2025-05 | 12027.63 | 3274.60 | 8753.03 | 1164238.14 |
| 8 | 2025-06 | 12027.63 | 3250.16 | 8777.47 | 1155460.67 |
| 9 | 2025-07 | 12027.63 | 3225.66 | 8801.97 | 1146658.70 |
| 10 | 2025-08 | 12027.63 | 3201.09 | 8826.54 | 1137832.16 |
| 11 | 2025-09 | 12027.63 | 3176.45 | 8851.18 | 1128980.98 |
| 12 | 2025-10 | 12027.63 | 3151.74 | 8875.89 | 1120105.09 |
| 13 | 2025-11 | 12027.63 | 3126.96 | 8900.67 | 1111204.42 |
| 14 | 2025-12 | 12027.63 | 3102.11 | 8925.52 | 1102278.90 |
| 15 | 2026-01 | 12027.63 | 3077.20 | 8950.44 | 1093328.46 |
| 16 | 2026-02 | 12027.63 | 3052.21 | 8975.42 | 1084353.04 |
| 17 | 2026-03 | 12027.63 | 3027.15 | 9000.48 | 1075352.56 |
| 18 | 2026-04 | 12027.63 | 3002.03 | 9025.60 | 1066326.96 |
| 19 | 2026-05 | 12027.63 | 2976.83 | 9050.80 | 1057276.16 |
| 20 | 2026-06 | 12027.63 | 2951.56 | 9076.07 | 1048200.09 |
| 21 | 2026-07 | 12027.63 | 2926.23 | 9101.41 | 1039098.69 |
| 22 | 2026-08 | 12027.63 | 2900.82 | 9126.81 | 1029971.87 |
| 23 | 2026-09 | 12027.63 | 2875.34 | 9152.29 | 1020819.58 |
| 24 | 2026-10 | 12027.63 | 2849.79 | 9177.84 | 1011641.74 |
| 25 | 2026-11 | 12027.63 | 2824.17 | 9203.46 | 1002438.27 |
| 26 | 2026-12 | 12027.63 | 2798.47 | 9229.16 | 993209.12 |
| 27 | 2027-01 | 12027.63 | 2772.71 | 9254.92 | 983954.19 |
| 28 | 2027-02 | 12027.63 | 2746.87 | 9280.76 | 974673.44 |
| 29 | 2027-03 | 12027.63 | 2720.96 | 9306.67 | 965366.77 |
| 30 | 2027-04 | 12027.63 | 2694.98 | 9332.65 | 956034.12 |
| 31 | 2027-05 | 12027.63 | 2668.93 | 9358.70 | 946675.42 |
| 32 | 2027-06 | 12027.63 | 2642.80 | 9384.83 | 937290.59 |
| 33 | 2027-07 | 12027.63 | 2616.60 | 9411.03 | 927879.56 |
| 34 | 2027-08 | 12027.63 | 2590.33 | 9437.30 | 918442.26 |
| 35 | 2027-09 | 12027.63 | 2563.98 | 9463.65 | 908978.62 |
| 36 | 2027-10 | 12027.63 | 2537.57 | 9490.07 | 899488.55 |
| 37 | 2027-11 | 12027.63 | 2511.07 | 9516.56 | 889971.99 |
| 38 | 2027-12 | 12027.63 | 2484.51 | 9543.13 | 880428.87 |
| 39 | 2028-01 | 12027.63 | 2457.86 | 9569.77 | 870859.10 |
| 40 | 2028-02 | 12027.63 | 2431.15 | 9596.48 | 861262.62 |
| 41 | 2028-03 | 12027.63 | 2404.36 | 9623.27 | 851639.35 |
| 42 | 2028-04 | 12027.63 | 2377.49 | 9650.14 | 841989.21 |
| 43 | 2028-05 | 12027.63 | 2350.55 | 9677.08 | 832312.13 |
| 44 | 2028-06 | 12027.63 | 2323.54 | 9704.09 | 822608.04 |
| 45 | 2028-07 | 12027.63 | 2296.45 | 9731.18 | 812876.86 |
| 46 | 2028-08 | 12027.63 | 2269.28 | 9758.35 | 803118.51 |
| 47 | 2028-09 | 12027.63 | 2242.04 | 9785.59 | 793332.92 |
| 48 | 2028-10 | 12027.63 | 2214.72 | 9812.91 | 783520.01 |
| 49 | 2028-11 | 12027.63 | 2187.33 | 9840.30 | 773679.70 |
| 50 | 2028-12 | 12027.63 | 2159.86 | 9867.77 | 763811.93 |
| 51 | 2029-01 | 12027.63 | 2132.31 | 9895.32 | 753916.61 |
| 52 | 2029-02 | 12027.63 | 2104.68 | 9922.95 | 743993.66 |
| 53 | 2029-03 | 12027.63 | 2076.98 | 9950.65 | 734043.01 |
| 54 | 2029-04 | 12027.63 | 2049.20 | 9978.43 | 724064.58 |
| 55 | 2029-05 | 12027.63 | 2021.35 | 10006.28 | 714058.30 |
| 56 | 2029-06 | 12027.63 | 1993.41 | 10034.22 | 704024.08 |
| 57 | 2029-07 | 12027.63 | 1965.40 | 10062.23 | 693961.85 |
| 58 | 2029-08 | 12027.63 | 1937.31 | 10090.32 | 683871.53 |
| 59 | 2029-09 | 12027.63 | 1909.14 | 10118.49 | 673753.04 |
| 60 | 2029-10 | 12027.63 | 1880.89 | 10146.74 | 663606.31 |
| 61 | 2029-11 | 12027.63 | 1852.57 | 10175.06 | 653431.24 |
| 62 | 2029-12 | 12027.63 | 1824.16 | 10203.47 | 643227.78 |
| 63 | 2030-01 | 12027.63 | 1795.68 | 10231.95 | 632995.82 |
| 64 | 2030-02 | 12027.63 | 1767.11 | 10260.52 | 622735.31 |
| 65 | 2030-03 | 12027.63 | 1738.47 | 10289.16 | 612446.14 |
| 66 | 2030-04 | 12027.63 | 1709.75 | 10317.89 | 602128.26 |
| 67 | 2030-05 | 12027.63 | 1680.94 | 10346.69 | 591781.57 |
| 68 | 2030-06 | 12027.63 | 1652.06 | 10375.57 | 581406.00 |
| 69 | 2030-07 | 12027.63 | 1623.09 | 10404.54 | 571001.46 |
| 70 | 2030-08 | 12027.63 | 1594.05 | 10433.58 | 560567.87 |
| 71 | 2030-09 | 12027.63 | 1564.92 | 10462.71 | 550105.16 |
| 72 | 2030-10 | 12027.63 | 1535.71 | 10491.92 | 539613.24 |
| 73 | 2030-11 | 12027.63 | 1506.42 | 10521.21 | 529092.03 |
| 74 | 2030-12 | 12027.63 | 1477.05 | 10550.58 | 518541.45 |
| 75 | 2031-01 | 12027.63 | 1447.59 | 10580.04 | 507961.41 |
| 76 | 2031-02 | 12027.63 | 1418.06 | 10609.57 | 497351.84 |
| 77 | 2031-03 | 12027.63 | 1388.44 | 10639.19 | 486712.65 |
| 78 | 2031-04 | 12027.63 | 1358.74 | 10668.89 | 476043.76 |
| 79 | 2031-05 | 12027.63 | 1328.96 | 10698.68 | 465345.09 |
| 80 | 2031-06 | 12027.63 | 1299.09 | 10728.54 | 454616.54 |
| 81 | 2031-07 | 12027.63 | 1269.14 | 10758.49 | 443858.05 |
| 82 | 2031-08 | 12027.63 | 1239.10 | 10788.53 | 433069.52 |
| 83 | 2031-09 | 12027.63 | 1208.99 | 10818.64 | 422250.88 |
| 84 | 2031-10 | 12027.63 | 1178.78 | 10848.85 | 411402.03 |
| 85 | 2031-11 | 12027.63 | 1148.50 | 10879.13 | 400522.90 |
| 86 | 2031-12 | 12027.63 | 1118.13 | 10909.50 | 389613.40 |
| 87 | 2032-01 | 12027.63 | 1087.67 | 10939.96 | 378673.44 |
| 88 | 2032-02 | 12027.63 | 1057.13 | 10970.50 | 367702.94 |
| 89 | 2032-03 | 12027.63 | 1026.50 | 11001.13 | 356701.81 |
| 90 | 2032-04 | 12027.63 | 995.79 | 11031.84 | 345669.97 |
| 91 | 2032-05 | 12027.63 | 965.00 | 11062.64 | 334607.34 |
| 92 | 2032-06 | 12027.63 | 934.11 | 11093.52 | 323513.82 |
| 93 | 2032-07 | 12027.63 | 903.14 | 11124.49 | 312389.33 |
| 94 | 2032-08 | 12027.63 | 872.09 | 11155.54 | 301233.79 |
| 95 | 2032-09 | 12027.63 | 840.94 | 11186.69 | 290047.10 |
| 96 | 2032-10 | 12027.63 | 809.71 | 11217.92 | 278829.18 |
| 97 | 2032-11 | 12027.63 | 778.40 | 11249.23 | 267579.95 |
| 98 | 2032-12 | 12027.63 | 746.99 | 11280.64 | 256299.32 |
| 99 | 2033-01 | 12027.63 | 715.50 | 11312.13 | 244987.19 |
| 100 | 2033-02 | 12027.63 | 683.92 | 11343.71 | 233643.48 |
| 101 | 2033-03 | 12027.63 | 652.25 | 11375.38 | 222268.10 |
| 102 | 2033-04 | 12027.63 | 620.50 | 11407.13 | 210860.97 |
| 103 | 2033-05 | 12027.63 | 588.65 | 11438.98 | 199421.99 |
| 104 | 2033-06 | 12027.63 | 556.72 | 11470.91 | 187951.08 |
| 105 | 2033-07 | 12027.63 | 524.70 | 11502.93 | 176448.15 |
| 106 | 2033-08 | 12027.63 | 492.58 | 11535.05 | 164913.10 |
| 107 | 2033-09 | 12027.63 | 460.38 | 11567.25 | 153345.86 |
| 108 | 2033-10 | 12027.63 | 428.09 | 11599.54 | 141746.32 |
| 109 | 2033-11 | 12027.63 | 395.71 | 11631.92 | 130114.39 |
| 110 | 2033-12 | 12027.63 | 363.24 | 11664.39 | 118450.00 |
| 111 | 2034-01 | 12027.63 | 330.67 | 11696.96 | 106753.04 |
| 112 | 2034-02 | 12027.63 | 298.02 | 11729.61 | 95023.43 |
| 113 | 2034-03 | 12027.63 | 265.27 | 11762.36 | 83261.07 |
| 114 | 2034-04 | 12027.63 | 232.44 | 11795.19 | 71465.88 |
| 115 | 2034-05 | 12027.63 | 199.51 | 11828.12 | 59637.76 |
| 116 | 2034-06 | 12027.63 | 166.49 | 11861.14 | 47776.62 |
| 117 | 2034-07 | 12027.63 | 133.38 | 11894.25 | 35882.36 |
| 118 | 2034-08 | 12027.63 | 100.17 | 11927.46 | 23954.90 |
| 119 | 2034-09 | 12027.63 | 66.87 | 11960.76 | 11994.15 |
| 120 | 2034-10 | 12027.63 | 33.48 | 11994.15 | 0.00 |
还款方式二:等额本金
贷款总额:122.5万
还款月数:10年
首月还款:13628.13元
每月递减:28.5元
利息总额:20.69万
本息合计:143.19万
节省利息:11418.26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 | 13628.13 | 3419.79 | 10208.33 | 1214791.67 |
| 2 | 2024-12 | 13599.63 | 3391.29 | 10208.33 | 1204583.33 |
| 3 | 2025-01 | 13571.13 | 3362.80 | 10208.33 | 1194375.00 |
| 4 | 2025-02 | 13542.63 | 3334.30 | 10208.33 | 1184166.67 |
| 5 | 2025-03 | 13514.13 | 3305.80 | 10208.33 | 1173958.33 |
| 6 | 2025-04 | 13485.63 | 3277.30 | 10208.33 | 1163750.00 |
| 7 | 2025-05 | 13457.14 | 3248.80 | 10208.33 | 1153541.67 |
| 8 | 2025-06 | 13428.64 | 3220.30 | 10208.33 | 1143333.33 |
| 9 | 2025-07 | 13400.14 | 3191.81 | 10208.33 | 1133125.00 |
| 10 | 2025-08 | 13371.64 | 3163.31 | 10208.33 | 1122916.67 |
| 11 | 2025-09 | 13343.14 | 3134.81 | 10208.33 | 1112708.33 |
| 12 | 2025-10 | 13314.64 | 3106.31 | 10208.33 | 1102500.00 |
| 13 | 2025-11 | 13286.15 | 3077.81 | 10208.33 | 1092291.67 |
| 14 | 2025-12 | 13257.65 | 3049.31 | 10208.33 | 1082083.33 |
| 15 | 2026-01 | 13229.15 | 3020.82 | 10208.33 | 1071875.00 |
| 16 | 2026-02 | 13200.65 | 2992.32 | 10208.33 | 1061666.67 |
| 17 | 2026-03 | 13172.15 | 2963.82 | 10208.33 | 1051458.33 |
| 18 | 2026-04 | 13143.65 | 2935.32 | 10208.33 | 1041250.00 |
| 19 | 2026-05 | 13115.16 | 2906.82 | 10208.33 | 1031041.67 |
| 20 | 2026-06 | 13086.66 | 2878.32 | 10208.33 | 1020833.33 |
| 21 | 2026-07 | 13058.16 | 2849.83 | 10208.33 | 1010625.00 |
| 22 | 2026-08 | 13029.66 | 2821.33 | 10208.33 | 1000416.67 |
| 23 | 2026-09 | 13001.16 | 2792.83 | 10208.33 | 990208.33 |
| 24 | 2026-10 | 12972.66 | 2764.33 | 10208.33 | 980000.00 |
| 25 | 2026-11 | 12944.17 | 2735.83 | 10208.33 | 969791.67 |
| 26 | 2026-12 | 12915.67 | 2707.34 | 10208.33 | 959583.33 |
| 27 | 2027-01 | 12887.17 | 2678.84 | 10208.33 | 949375.00 |
| 28 | 2027-02 | 12858.67 | 2650.34 | 10208.33 | 939166.67 |
| 29 | 2027-03 | 12830.17 | 2621.84 | 10208.33 | 928958.33 |
| 30 | 2027-04 | 12801.68 | 2593.34 | 10208.33 | 918750.00 |
| 31 | 2027-05 | 12773.18 | 2564.84 | 10208.33 | 908541.67 |
| 32 | 2027-06 | 12744.68 | 2536.35 | 10208.33 | 898333.33 |
| 33 | 2027-07 | 12716.18 | 2507.85 | 10208.33 | 888125.00 |
| 34 | 2027-08 | 12687.68 | 2479.35 | 10208.33 | 877916.67 |
| 35 | 2027-09 | 12659.18 | 2450.85 | 10208.33 | 867708.33 |
| 36 | 2027-10 | 12630.69 | 2422.35 | 10208.33 | 857500.00 |
| 37 | 2027-11 | 12602.19 | 2393.85 | 10208.33 | 847291.67 |
| 38 | 2027-12 | 12573.69 | 2365.36 | 10208.33 | 837083.33 |
| 39 | 2028-01 | 12545.19 | 2336.86 | 10208.33 | 826875.00 |
| 40 | 2028-02 | 12516.69 | 2308.36 | 10208.33 | 816666.67 |
| 41 | 2028-03 | 12488.19 | 2279.86 | 10208.33 | 806458.33 |
| 42 | 2028-04 | 12459.70 | 2251.36 | 10208.33 | 796250.00 |
| 43 | 2028-05 | 12431.20 | 2222.86 | 10208.33 | 786041.67 |
| 44 | 2028-06 | 12402.70 | 2194.37 | 10208.33 | 775833.33 |
| 45 | 2028-07 | 12374.20 | 2165.87 | 10208.33 | 765625.00 |
| 46 | 2028-08 | 12345.70 | 2137.37 | 10208.33 | 755416.67 |
| 47 | 2028-09 | 12317.20 | 2108.87 | 10208.33 | 745208.33 |
| 48 | 2028-10 | 12288.71 | 2080.37 | 10208.33 | 735000.00 |
| 49 | 2028-11 | 12260.21 | 2051.88 | 10208.33 | 724791.67 |
| 50 | 2028-12 | 12231.71 | 2023.38 | 10208.33 | 714583.33 |
| 51 | 2029-01 | 12203.21 | 1994.88 | 10208.33 | 704375.00 |
| 52 | 2029-02 | 12174.71 | 1966.38 | 10208.33 | 694166.67 |
| 53 | 2029-03 | 12146.22 | 1937.88 | 10208.33 | 683958.33 |
| 54 | 2029-04 | 12117.72 | 1909.38 | 10208.33 | 673750.00 |
| 55 | 2029-05 | 12089.22 | 1880.89 | 10208.33 | 663541.67 |
| 56 | 2029-06 | 12060.72 | 1852.39 | 10208.33 | 653333.33 |
| 57 | 2029-07 | 12032.22 | 1823.89 | 10208.33 | 643125.00 |
| 58 | 2029-08 | 12003.72 | 1795.39 | 10208.33 | 632916.67 |
| 59 | 2029-09 | 11975.23 | 1766.89 | 10208.33 | 622708.33 |
| 60 | 2029-10 | 11946.73 | 1738.39 | 10208.33 | 612500.00 |
| 61 | 2029-11 | 11918.23 | 1709.90 | 10208.33 | 602291.67 |
| 62 | 2029-12 | 11889.73 | 1681.40 | 10208.33 | 592083.33 |
| 63 | 2030-01 | 11861.23 | 1652.90 | 10208.33 | 581875.00 |
| 64 | 2030-02 | 11832.73 | 1624.40 | 10208.33 | 571666.67 |
| 65 | 2030-03 | 11804.24 | 1595.90 | 10208.33 | 561458.33 |
| 66 | 2030-04 | 11775.74 | 1567.40 | 10208.33 | 551250.00 |
| 67 | 2030-05 | 11747.24 | 1538.91 | 10208.33 | 541041.67 |
| 68 | 2030-06 | 11718.74 | 1510.41 | 10208.33 | 530833.33 |
| 69 | 2030-07 | 11690.24 | 1481.91 | 10208.33 | 520625.00 |
| 70 | 2030-08 | 11661.74 | 1453.41 | 10208.33 | 510416.67 |
| 71 | 2030-09 | 11633.25 | 1424.91 | 10208.33 | 500208.33 |
| 72 | 2030-10 | 11604.75 | 1396.41 | 10208.33 | 490000.00 |
| 73 | 2030-11 | 11576.25 | 1367.92 | 10208.33 | 479791.67 |
| 74 | 2030-12 | 11547.75 | 1339.42 | 10208.33 | 469583.33 |
| 75 | 2031-01 | 11519.25 | 1310.92 | 10208.33 | 459375.00 |
| 76 | 2031-02 | 11490.76 | 1282.42 | 10208.33 | 449166.67 |
| 77 | 2031-03 | 11462.26 | 1253.92 | 10208.33 | 438958.33 |
| 78 | 2031-04 | 11433.76 | 1225.43 | 10208.33 | 428750.00 |
| 79 | 2031-05 | 11405.26 | 1196.93 | 10208.33 | 418541.67 |
| 80 | 2031-06 | 11376.76 | 1168.43 | 10208.33 | 408333.33 |
| 81 | 2031-07 | 11348.26 | 1139.93 | 10208.33 | 398125.00 |
| 82 | 2031-08 | 11319.77 | 1111.43 | 10208.33 | 387916.67 |
| 83 | 2031-09 | 11291.27 | 1082.93 | 10208.33 | 377708.33 |
| 84 | 2031-10 | 11262.77 | 1054.44 | 10208.33 | 367500.00 |
| 85 | 2031-11 | 11234.27 | 1025.94 | 10208.33 | 357291.67 |
| 86 | 2031-12 | 11205.77 | 997.44 | 10208.33 | 347083.33 |
| 87 | 2032-01 | 11177.27 | 968.94 | 10208.33 | 336875.00 |
| 88 | 2032-02 | 11148.78 | 940.44 | 10208.33 | 326666.67 |
| 89 | 2032-03 | 11120.28 | 911.94 | 10208.33 | 316458.33 |
| 90 | 2032-04 | 11091.78 | 883.45 | 10208.33 | 306250.00 |
| 91 | 2032-05 | 11063.28 | 854.95 | 10208.33 | 296041.67 |
| 92 | 2032-06 | 11034.78 | 826.45 | 10208.33 | 285833.33 |
| 93 | 2032-07 | 11006.28 | 797.95 | 10208.33 | 275625.00 |
| 94 | 2032-08 | 10977.79 | 769.45 | 10208.33 | 265416.67 |
| 95 | 2032-09 | 10949.29 | 740.95 | 10208.33 | 255208.33 |
| 96 | 2032-10 | 10920.79 | 712.46 | 10208.33 | 245000.00 |
| 97 | 2032-11 | 10892.29 | 683.96 | 10208.33 | 234791.67 |
| 98 | 2032-12 | 10863.79 | 655.46 | 10208.33 | 224583.33 |
| 99 | 2033-01 | 10835.30 | 626.96 | 10208.33 | 214375.00 |
| 100 | 2033-02 | 10806.80 | 598.46 | 10208.33 | 204166.67 |
| 101 | 2033-03 | 10778.30 | 569.97 | 10208.33 | 193958.33 |
| 102 | 2033-04 | 10749.80 | 541.47 | 10208.33 | 183750.00 |
| 103 | 2033-05 | 10721.30 | 512.97 | 10208.33 | 173541.67 |
| 104 | 2033-06 | 10692.80 | 484.47 | 10208.33 | 163333.33 |
| 105 | 2033-07 | 10664.31 | 455.97 | 10208.33 | 153125.00 |
| 106 | 2033-08 | 10635.81 | 427.47 | 10208.33 | 142916.67 |
| 107 | 2033-09 | 10607.31 | 398.98 | 10208.33 | 132708.33 |
| 108 | 2033-10 | 10578.81 | 370.48 | 10208.33 | 122500.00 |
| 109 | 2033-11 | 10550.31 | 341.98 | 10208.33 | 112291.67 |
| 110 | 2033-12 | 10521.81 | 313.48 | 10208.33 | 102083.33 |
| 111 | 2034-01 | 10493.32 | 284.98 | 10208.33 | 91875.00 |
| 112 | 2034-02 | 10464.82 | 256.48 | 10208.33 | 81666.67 |
| 113 | 2034-03 | 10436.32 | 227.99 | 10208.33 | 71458.33 |
| 114 | 2034-04 | 10407.82 | 199.49 | 10208.33 | 61250.00 |
| 115 | 2034-05 | 10379.32 | 170.99 | 10208.33 | 51041.67 |
| 116 | 2034-06 | 10350.82 | 142.49 | 10208.33 | 40833.33 |
| 117 | 2034-07 | 10322.33 | 113.99 | 10208.33 | 30625.00 |
| 118 | 2034-08 | 10293.83 | 85.49 | 10208.33 | 20416.67 |
| 119 | 2034-09 | 10265.33 | 57.00 | 10208.33 | 10208.33 |
| 120 | 2034-10 | 10236.83 | 28.50 | 10208.33 | 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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