贷款170万（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：170万
还款月数：10年
每月还款：16691.41元
利息总额：30.3万
本息合计：200.3万
| 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 | 16691.41 | 4745.83 | 11945.57 | 1688054.43 |
| 2 | 2024-12 | 16691.41 | 4712.49 | 11978.92 | 1676075.51 |
| 3 | 2025-01 | 16691.41 | 4679.04 | 12012.36 | 1664063.15 |
| 4 | 2025-02 | 16691.41 | 4645.51 | 12045.90 | 1652017.25 |
| 5 | 2025-03 | 16691.41 | 4611.88 | 12079.52 | 1639937.73 |
| 6 | 2025-04 | 16691.41 | 4578.16 | 12113.25 | 1627824.48 |
| 7 | 2025-05 | 16691.41 | 4544.34 | 12147.06 | 1615677.42 |
| 8 | 2025-06 | 16691.41 | 4510.43 | 12180.97 | 1603496.44 |
| 9 | 2025-07 | 16691.41 | 4476.43 | 12214.98 | 1591281.47 |
| 10 | 2025-08 | 16691.41 | 4442.33 | 12249.08 | 1579032.39 |
| 11 | 2025-09 | 16691.41 | 4408.13 | 12283.27 | 1566749.12 |
| 12 | 2025-10 | 16691.41 | 4373.84 | 12317.56 | 1554431.55 |
| 13 | 2025-11 | 16691.41 | 4339.45 | 12351.95 | 1542079.60 |
| 14 | 2025-12 | 16691.41 | 4304.97 | 12386.43 | 1529693.17 |
| 15 | 2026-01 | 16691.41 | 4270.39 | 12421.01 | 1517272.15 |
| 16 | 2026-02 | 16691.41 | 4235.72 | 12455.69 | 1504816.47 |
| 17 | 2026-03 | 16691.41 | 4200.95 | 12490.46 | 1492326.01 |
| 18 | 2026-04 | 16691.41 | 4166.08 | 12525.33 | 1479800.68 |
| 19 | 2026-05 | 16691.41 | 4131.11 | 12560.30 | 1467240.38 |
| 20 | 2026-06 | 16691.41 | 4096.05 | 12595.36 | 1454645.02 |
| 21 | 2026-07 | 16691.41 | 4060.88 | 12630.52 | 1442014.50 |
| 22 | 2026-08 | 16691.41 | 4025.62 | 12665.78 | 1429348.72 |
| 23 | 2026-09 | 16691.41 | 3990.27 | 12701.14 | 1416647.58 |
| 24 | 2026-10 | 16691.41 | 3954.81 | 12736.60 | 1403910.98 |
| 25 | 2026-11 | 16691.41 | 3919.25 | 12772.15 | 1391138.83 |
| 26 | 2026-12 | 16691.41 | 3883.60 | 12807.81 | 1378331.02 |
| 27 | 2027-01 | 16691.41 | 3847.84 | 12843.56 | 1365487.45 |
| 28 | 2027-02 | 16691.41 | 3811.99 | 12879.42 | 1352608.03 |
| 29 | 2027-03 | 16691.41 | 3776.03 | 12915.37 | 1339692.66 |
| 30 | 2027-04 | 16691.41 | 3739.98 | 12951.43 | 1326741.23 |
| 31 | 2027-05 | 16691.41 | 3703.82 | 12987.59 | 1313753.64 |
| 32 | 2027-06 | 16691.41 | 3667.56 | 13023.84 | 1300729.80 |
| 33 | 2027-07 | 16691.41 | 3631.20 | 13060.20 | 1287669.60 |
| 34 | 2027-08 | 16691.41 | 3594.74 | 13096.66 | 1274572.94 |
| 35 | 2027-09 | 16691.41 | 3558.18 | 13133.22 | 1261439.71 |
| 36 | 2027-10 | 16691.41 | 3521.52 | 13169.89 | 1248269.83 |
| 37 | 2027-11 | 16691.41 | 3484.75 | 13206.65 | 1235063.17 |
| 38 | 2027-12 | 16691.41 | 3447.88 | 13243.52 | 1221819.65 |
| 39 | 2028-01 | 16691.41 | 3410.91 | 13280.49 | 1208539.16 |
| 40 | 2028-02 | 16691.41 | 3373.84 | 13317.57 | 1195221.59 |
| 41 | 2028-03 | 16691.41 | 3336.66 | 13354.75 | 1181866.85 |
| 42 | 2028-04 | 16691.41 | 3299.38 | 13392.03 | 1168474.82 |
| 43 | 2028-05 | 16691.41 | 3261.99 | 13429.41 | 1155045.41 |
| 44 | 2028-06 | 16691.41 | 3224.50 | 13466.90 | 1141578.50 |
| 45 | 2028-07 | 16691.41 | 3186.91 | 13504.50 | 1128074.01 |
| 46 | 2028-08 | 16691.41 | 3149.21 | 13542.20 | 1114531.81 |
| 47 | 2028-09 | 16691.41 | 3111.40 | 13580.00 | 1100951.80 |
| 48 | 2028-10 | 16691.41 | 3073.49 | 13617.92 | 1087333.89 |
| 49 | 2028-11 | 16691.41 | 3035.47 | 13655.93 | 1073677.95 |
| 50 | 2028-12 | 16691.41 | 2997.35 | 13694.05 | 1059983.90 |
| 51 | 2029-01 | 16691.41 | 2959.12 | 13732.28 | 1046251.62 |
| 52 | 2029-02 | 16691.41 | 2920.79 | 13770.62 | 1032481.00 |
| 53 | 2029-03 | 16691.41 | 2882.34 | 13809.06 | 1018671.93 |
| 54 | 2029-04 | 16691.41 | 2843.79 | 13847.61 | 1004824.32 |
| 55 | 2029-05 | 16691.41 | 2805.13 | 13886.27 | 990938.05 |
| 56 | 2029-06 | 16691.41 | 2766.37 | 13925.04 | 977013.01 |
| 57 | 2029-07 | 16691.41 | 2727.49 | 13963.91 | 963049.10 |
| 58 | 2029-08 | 16691.41 | 2688.51 | 14002.89 | 949046.21 |
| 59 | 2029-09 | 16691.41 | 2649.42 | 14041.98 | 935004.22 |
| 60 | 2029-10 | 16691.41 | 2610.22 | 14081.19 | 920923.04 |
| 61 | 2029-11 | 16691.41 | 2570.91 | 14120.50 | 906802.54 |
| 62 | 2029-12 | 16691.41 | 2531.49 | 14159.92 | 892642.63 |
| 63 | 2030-01 | 16691.41 | 2491.96 | 14199.44 | 878443.18 |
| 64 | 2030-02 | 16691.41 | 2452.32 | 14239.09 | 864204.10 |
| 65 | 2030-03 | 16691.41 | 2412.57 | 14278.84 | 849925.26 |
| 66 | 2030-04 | 16691.41 | 2372.71 | 14318.70 | 835606.56 |
| 67 | 2030-05 | 16691.41 | 2332.73 | 14358.67 | 821247.89 |
| 68 | 2030-06 | 16691.41 | 2292.65 | 14398.76 | 806849.14 |
| 69 | 2030-07 | 16691.41 | 2252.45 | 14438.95 | 792410.19 |
| 70 | 2030-08 | 16691.41 | 2212.15 | 14479.26 | 777930.93 |
| 71 | 2030-09 | 16691.41 | 2171.72 | 14519.68 | 763411.24 |
| 72 | 2030-10 | 16691.41 | 2131.19 | 14560.22 | 748851.03 |
| 73 | 2030-11 | 16691.41 | 2090.54 | 14600.86 | 734250.17 |
| 74 | 2030-12 | 16691.41 | 2049.78 | 14641.62 | 719608.54 |
| 75 | 2031-01 | 16691.41 | 2008.91 | 14682.50 | 704926.04 |
| 76 | 2031-02 | 16691.41 | 1967.92 | 14723.49 | 690202.56 |
| 77 | 2031-03 | 16691.41 | 1926.82 | 14764.59 | 675437.97 |
| 78 | 2031-04 | 16691.41 | 1885.60 | 14805.81 | 660632.16 |
| 79 | 2031-05 | 16691.41 | 1844.26 | 14847.14 | 645785.02 |
| 80 | 2031-06 | 16691.41 | 1802.82 | 14888.59 | 630896.43 |
| 81 | 2031-07 | 16691.41 | 1761.25 | 14930.15 | 615966.27 |
| 82 | 2031-08 | 16691.41 | 1719.57 | 14971.83 | 600994.44 |
| 83 | 2031-09 | 16691.41 | 1677.78 | 15013.63 | 585980.81 |
| 84 | 2031-10 | 16691.41 | 1635.86 | 15055.54 | 570925.27 |
| 85 | 2031-11 | 16691.41 | 1593.83 | 15097.57 | 555827.70 |
| 86 | 2031-12 | 16691.41 | 1551.69 | 15139.72 | 540687.98 |
| 87 | 2032-01 | 16691.41 | 1509.42 | 15181.98 | 525505.99 |
| 88 | 2032-02 | 16691.41 | 1467.04 | 15224.37 | 510281.62 |
| 89 | 2032-03 | 16691.41 | 1424.54 | 15266.87 | 495014.75 |
| 90 | 2032-04 | 16691.41 | 1381.92 | 15309.49 | 479705.27 |
| 91 | 2032-05 | 16691.41 | 1339.18 | 15352.23 | 464353.04 |
| 92 | 2032-06 | 16691.41 | 1296.32 | 15395.09 | 448957.95 |
| 93 | 2032-07 | 16691.41 | 1253.34 | 15438.06 | 433519.89 |
| 94 | 2032-08 | 16691.41 | 1210.24 | 15481.16 | 418038.72 |
| 95 | 2032-09 | 16691.41 | 1167.02 | 15524.38 | 402514.34 |
| 96 | 2032-10 | 16691.41 | 1123.69 | 15567.72 | 386946.62 |
| 97 | 2032-11 | 16691.41 | 1080.23 | 15611.18 | 371335.44 |
| 98 | 2032-12 | 16691.41 | 1036.64 | 15654.76 | 355680.68 |
| 99 | 2033-01 | 16691.41 | 992.94 | 15698.46 | 339982.22 |
| 100 | 2033-02 | 16691.41 | 949.12 | 15742.29 | 324239.93 |
| 101 | 2033-03 | 16691.41 | 905.17 | 15786.24 | 308453.69 |
| 102 | 2033-04 | 16691.41 | 861.10 | 15830.31 | 292623.39 |
| 103 | 2033-05 | 16691.41 | 816.91 | 15874.50 | 276748.89 |
| 104 | 2033-06 | 16691.41 | 772.59 | 15918.81 | 260830.07 |
| 105 | 2033-07 | 16691.41 | 728.15 | 15963.25 | 244866.82 |
| 106 | 2033-08 | 16691.41 | 683.59 | 16007.82 | 228859.00 |
| 107 | 2033-09 | 16691.41 | 638.90 | 16052.51 | 212806.49 |
| 108 | 2033-10 | 16691.41 | 594.08 | 16097.32 | 196709.17 |
| 109 | 2033-11 | 16691.41 | 549.15 | 16142.26 | 180566.91 |
| 110 | 2033-12 | 16691.41 | 504.08 | 16187.32 | 164379.59 |
| 111 | 2034-01 | 16691.41 | 458.89 | 16232.51 | 148147.08 |
| 112 | 2034-02 | 16691.41 | 413.58 | 16277.83 | 131869.25 |
| 113 | 2034-03 | 16691.41 | 368.13 | 16323.27 | 115545.98 |
| 114 | 2034-04 | 16691.41 | 322.57 | 16368.84 | 99177.14 |
| 115 | 2034-05 | 16691.41 | 276.87 | 16414.54 | 82762.60 |
| 116 | 2034-06 | 16691.41 | 231.05 | 16460.36 | 66302.24 |
| 117 | 2034-07 | 16691.41 | 185.09 | 16506.31 | 49795.93 |
| 118 | 2034-08 | 16691.41 | 139.01 | 16552.39 | 33243.54 |
| 119 | 2034-09 | 16691.41 | 92.80 | 16598.60 | 16644.94 |
| 120 | 2034-10 | 16691.41 | 46.47 | 16644.94 | 0.00 |
还款方式二：等额本金
贷款总额：170万
还款月数：10年
首月还款：18912.5元
每月递减：39.55元
利息总额：28.71万
本息合计：198.71万
节省利息：15845.75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 | 18912.50 | 4745.83 | 14166.67 | 1685833.33 |
| 2 | 2024-12 | 18872.95 | 4706.28 | 14166.67 | 1671666.67 |
| 3 | 2025-01 | 18833.40 | 4666.74 | 14166.67 | 1657500.00 |
| 4 | 2025-02 | 18793.85 | 4627.19 | 14166.67 | 1643333.33 |
| 5 | 2025-03 | 18754.31 | 4587.64 | 14166.67 | 1629166.67 |
| 6 | 2025-04 | 18714.76 | 4548.09 | 14166.67 | 1615000.00 |
| 7 | 2025-05 | 18675.21 | 4508.54 | 14166.67 | 1600833.33 |
| 8 | 2025-06 | 18635.66 | 4468.99 | 14166.67 | 1586666.67 |
| 9 | 2025-07 | 18596.11 | 4429.44 | 14166.67 | 1572500.00 |
| 10 | 2025-08 | 18556.56 | 4389.90 | 14166.67 | 1558333.33 |
| 11 | 2025-09 | 18517.01 | 4350.35 | 14166.67 | 1544166.67 |
| 12 | 2025-10 | 18477.47 | 4310.80 | 14166.67 | 1530000.00 |
| 13 | 2025-11 | 18437.92 | 4271.25 | 14166.67 | 1515833.33 |
| 14 | 2025-12 | 18398.37 | 4231.70 | 14166.67 | 1501666.67 |
| 15 | 2026-01 | 18358.82 | 4192.15 | 14166.67 | 1487500.00 |
| 16 | 2026-02 | 18319.27 | 4152.60 | 14166.67 | 1473333.33 |
| 17 | 2026-03 | 18279.72 | 4113.06 | 14166.67 | 1459166.67 |
| 18 | 2026-04 | 18240.17 | 4073.51 | 14166.67 | 1445000.00 |
| 19 | 2026-05 | 18200.63 | 4033.96 | 14166.67 | 1430833.33 |
| 20 | 2026-06 | 18161.08 | 3994.41 | 14166.67 | 1416666.67 |
| 21 | 2026-07 | 18121.53 | 3954.86 | 14166.67 | 1402500.00 |
| 22 | 2026-08 | 18081.98 | 3915.31 | 14166.67 | 1388333.33 |
| 23 | 2026-09 | 18042.43 | 3875.76 | 14166.67 | 1374166.67 |
| 24 | 2026-10 | 18002.88 | 3836.22 | 14166.67 | 1360000.00 |
| 25 | 2026-11 | 17963.33 | 3796.67 | 14166.67 | 1345833.33 |
| 26 | 2026-12 | 17923.78 | 3757.12 | 14166.67 | 1331666.67 |
| 27 | 2027-01 | 17884.24 | 3717.57 | 14166.67 | 1317500.00 |
| 28 | 2027-02 | 17844.69 | 3678.02 | 14166.67 | 1303333.33 |
| 29 | 2027-03 | 17805.14 | 3638.47 | 14166.67 | 1289166.67 |
| 30 | 2027-04 | 17765.59 | 3598.92 | 14166.67 | 1275000.00 |
| 31 | 2027-05 | 17726.04 | 3559.38 | 14166.67 | 1260833.33 |
| 32 | 2027-06 | 17686.49 | 3519.83 | 14166.67 | 1246666.67 |
| 33 | 2027-07 | 17646.94 | 3480.28 | 14166.67 | 1232500.00 |
| 34 | 2027-08 | 17607.40 | 3440.73 | 14166.67 | 1218333.33 |
| 35 | 2027-09 | 17567.85 | 3401.18 | 14166.67 | 1204166.67 |
| 36 | 2027-10 | 17528.30 | 3361.63 | 14166.67 | 1190000.00 |
| 37 | 2027-11 | 17488.75 | 3322.08 | 14166.67 | 1175833.33 |
| 38 | 2027-12 | 17449.20 | 3282.53 | 14166.67 | 1161666.67 |
| 39 | 2028-01 | 17409.65 | 3242.99 | 14166.67 | 1147500.00 |
| 40 | 2028-02 | 17370.10 | 3203.44 | 14166.67 | 1133333.33 |
| 41 | 2028-03 | 17330.56 | 3163.89 | 14166.67 | 1119166.67 |
| 42 | 2028-04 | 17291.01 | 3124.34 | 14166.67 | 1105000.00 |
| 43 | 2028-05 | 17251.46 | 3084.79 | 14166.67 | 1090833.33 |
| 44 | 2028-06 | 17211.91 | 3045.24 | 14166.67 | 1076666.67 |
| 45 | 2028-07 | 17172.36 | 3005.69 | 14166.67 | 1062500.00 |
| 46 | 2028-08 | 17132.81 | 2966.15 | 14166.67 | 1048333.33 |
| 47 | 2028-09 | 17093.26 | 2926.60 | 14166.67 | 1034166.67 |
| 48 | 2028-10 | 17053.72 | 2887.05 | 14166.67 | 1020000.00 |
| 49 | 2028-11 | 17014.17 | 2847.50 | 14166.67 | 1005833.33 |
| 50 | 2028-12 | 16974.62 | 2807.95 | 14166.67 | 991666.67 |
| 51 | 2029-01 | 16935.07 | 2768.40 | 14166.67 | 977500.00 |
| 52 | 2029-02 | 16895.52 | 2728.85 | 14166.67 | 963333.33 |
| 53 | 2029-03 | 16855.97 | 2689.31 | 14166.67 | 949166.67 |
| 54 | 2029-04 | 16816.42 | 2649.76 | 14166.67 | 935000.00 |
| 55 | 2029-05 | 16776.88 | 2610.21 | 14166.67 | 920833.33 |
| 56 | 2029-06 | 16737.33 | 2570.66 | 14166.67 | 906666.67 |
| 57 | 2029-07 | 16697.78 | 2531.11 | 14166.67 | 892500.00 |
| 58 | 2029-08 | 16658.23 | 2491.56 | 14166.67 | 878333.33 |
| 59 | 2029-09 | 16618.68 | 2452.01 | 14166.67 | 864166.67 |
| 60 | 2029-10 | 16579.13 | 2412.47 | 14166.67 | 850000.00 |
| 61 | 2029-11 | 16539.58 | 2372.92 | 14166.67 | 835833.33 |
| 62 | 2029-12 | 16500.03 | 2333.37 | 14166.67 | 821666.67 |
| 63 | 2030-01 | 16460.49 | 2293.82 | 14166.67 | 807500.00 |
| 64 | 2030-02 | 16420.94 | 2254.27 | 14166.67 | 793333.33 |
| 65 | 2030-03 | 16381.39 | 2214.72 | 14166.67 | 779166.67 |
| 66 | 2030-04 | 16341.84 | 2175.17 | 14166.67 | 765000.00 |
| 67 | 2030-05 | 16302.29 | 2135.63 | 14166.67 | 750833.33 |
| 68 | 2030-06 | 16262.74 | 2096.08 | 14166.67 | 736666.67 |
| 69 | 2030-07 | 16223.19 | 2056.53 | 14166.67 | 722500.00 |
| 70 | 2030-08 | 16183.65 | 2016.98 | 14166.67 | 708333.33 |
| 71 | 2030-09 | 16144.10 | 1977.43 | 14166.67 | 694166.67 |
| 72 | 2030-10 | 16104.55 | 1937.88 | 14166.67 | 680000.00 |
| 73 | 2030-11 | 16065.00 | 1898.33 | 14166.67 | 665833.33 |
| 74 | 2030-12 | 16025.45 | 1858.78 | 14166.67 | 651666.67 |
| 75 | 2031-01 | 15985.90 | 1819.24 | 14166.67 | 637500.00 |
| 76 | 2031-02 | 15946.35 | 1779.69 | 14166.67 | 623333.33 |
| 77 | 2031-03 | 15906.81 | 1740.14 | 14166.67 | 609166.67 |
| 78 | 2031-04 | 15867.26 | 1700.59 | 14166.67 | 595000.00 |
| 79 | 2031-05 | 15827.71 | 1661.04 | 14166.67 | 580833.33 |
| 80 | 2031-06 | 15788.16 | 1621.49 | 14166.67 | 566666.67 |
| 81 | 2031-07 | 15748.61 | 1581.94 | 14166.67 | 552500.00 |
| 82 | 2031-08 | 15709.06 | 1542.40 | 14166.67 | 538333.33 |
| 83 | 2031-09 | 15669.51 | 1502.85 | 14166.67 | 524166.67 |
| 84 | 2031-10 | 15629.97 | 1463.30 | 14166.67 | 510000.00 |
| 85 | 2031-11 | 15590.42 | 1423.75 | 14166.67 | 495833.33 |
| 86 | 2031-12 | 15550.87 | 1384.20 | 14166.67 | 481666.67 |
| 87 | 2032-01 | 15511.32 | 1344.65 | 14166.67 | 467500.00 |
| 88 | 2032-02 | 15471.77 | 1305.10 | 14166.67 | 453333.33 |
| 89 | 2032-03 | 15432.22 | 1265.56 | 14166.67 | 439166.67 |
| 90 | 2032-04 | 15392.67 | 1226.01 | 14166.67 | 425000.00 |
| 91 | 2032-05 | 15353.13 | 1186.46 | 14166.67 | 410833.33 |
| 92 | 2032-06 | 15313.58 | 1146.91 | 14166.67 | 396666.67 |
| 93 | 2032-07 | 15274.03 | 1107.36 | 14166.67 | 382500.00 |
| 94 | 2032-08 | 15234.48 | 1067.81 | 14166.67 | 368333.33 |
| 95 | 2032-09 | 15194.93 | 1028.26 | 14166.67 | 354166.67 |
| 96 | 2032-10 | 15155.38 | 988.72 | 14166.67 | 340000.00 |
| 97 | 2032-11 | 15115.83 | 949.17 | 14166.67 | 325833.33 |
| 98 | 2032-12 | 15076.28 | 909.62 | 14166.67 | 311666.67 |
| 99 | 2033-01 | 15036.74 | 870.07 | 14166.67 | 297500.00 |
| 100 | 2033-02 | 14997.19 | 830.52 | 14166.67 | 283333.33 |
| 101 | 2033-03 | 14957.64 | 790.97 | 14166.67 | 269166.67 |
| 102 | 2033-04 | 14918.09 | 751.42 | 14166.67 | 255000.00 |
| 103 | 2033-05 | 14878.54 | 711.88 | 14166.67 | 240833.33 |
| 104 | 2033-06 | 14838.99 | 672.33 | 14166.67 | 226666.67 |
| 105 | 2033-07 | 14799.44 | 632.78 | 14166.67 | 212500.00 |
| 106 | 2033-08 | 14759.90 | 593.23 | 14166.67 | 198333.33 |
| 107 | 2033-09 | 14720.35 | 553.68 | 14166.67 | 184166.67 |
| 108 | 2033-10 | 14680.80 | 514.13 | 14166.67 | 170000.00 |
| 109 | 2033-11 | 14641.25 | 474.58 | 14166.67 | 155833.33 |
| 110 | 2033-12 | 14601.70 | 435.03 | 14166.67 | 141666.67 |
| 111 | 2034-01 | 14562.15 | 395.49 | 14166.67 | 127500.00 |
| 112 | 2034-02 | 14522.60 | 355.94 | 14166.67 | 113333.33 |
| 113 | 2034-03 | 14483.06 | 316.39 | 14166.67 | 99166.67 |
| 114 | 2034-04 | 14443.51 | 276.84 | 14166.67 | 85000.00 |
| 115 | 2034-05 | 14403.96 | 237.29 | 14166.67 | 70833.33 |
| 116 | 2034-06 | 14364.41 | 197.74 | 14166.67 | 56666.67 |
| 117 | 2034-07 | 14324.86 | 158.19 | 14166.67 | 42500.00 |
| 118 | 2034-08 | 14285.31 | 118.65 | 14166.67 | 28333.33 |
| 119 | 2034-09 | 14245.76 | 79.10 | 14166.67 | 14166.67 |
| 120 | 2034-10 | 14206.22 | 39.55 | 14166.67 | 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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