贷款16.2万（公积金贷款）的房贷，还款12年4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：16.2万
还款月数：12年4个月
每月还款：1337.51元
利息总额：3.6万
本息合计：19.8万
| 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 | 1337.51 | 452.17 | 885.34 | 161085.61 |
| 2 | 2024-12 | 1337.51 | 449.70 | 887.82 | 160197.79 |
| 3 | 2025-01 | 1337.51 | 447.22 | 890.29 | 159307.50 |
| 4 | 2025-02 | 1337.51 | 444.73 | 892.78 | 158414.72 |
| 5 | 2025-03 | 1337.51 | 442.24 | 895.27 | 157519.45 |
| 6 | 2025-04 | 1337.51 | 439.74 | 897.77 | 156621.68 |
| 7 | 2025-05 | 1337.51 | 437.24 | 900.28 | 155721.40 |
| 8 | 2025-06 | 1337.51 | 434.72 | 902.79 | 154818.61 |
| 9 | 2025-07 | 1337.51 | 432.20 | 905.31 | 153913.30 |
| 10 | 2025-08 | 1337.51 | 429.67 | 907.84 | 153005.46 |
| 11 | 2025-09 | 1337.51 | 427.14 | 910.37 | 152095.09 |
| 12 | 2025-10 | 1337.51 | 424.60 | 912.91 | 151182.18 |
| 13 | 2025-11 | 1337.51 | 422.05 | 915.46 | 150266.71 |
| 14 | 2025-12 | 1337.51 | 419.49 | 918.02 | 149348.70 |
| 15 | 2026-01 | 1337.51 | 416.93 | 920.58 | 148428.11 |
| 16 | 2026-02 | 1337.51 | 414.36 | 923.15 | 147504.96 |
| 17 | 2026-03 | 1337.51 | 411.78 | 925.73 | 146579.24 |
| 18 | 2026-04 | 1337.51 | 409.20 | 928.31 | 145650.92 |
| 19 | 2026-05 | 1337.51 | 406.61 | 930.90 | 144720.02 |
| 20 | 2026-06 | 1337.51 | 404.01 | 933.50 | 143786.52 |
| 21 | 2026-07 | 1337.51 | 401.40 | 936.11 | 142850.41 |
| 22 | 2026-08 | 1337.51 | 398.79 | 938.72 | 141911.69 |
| 23 | 2026-09 | 1337.51 | 396.17 | 941.34 | 140970.35 |
| 24 | 2026-10 | 1337.51 | 393.54 | 943.97 | 140026.38 |
| 25 | 2026-11 | 1337.51 | 390.91 | 946.61 | 139079.77 |
| 26 | 2026-12 | 1337.51 | 388.26 | 949.25 | 138130.52 |
| 27 | 2027-01 | 1337.51 | 385.61 | 951.90 | 137178.62 |
| 28 | 2027-02 | 1337.51 | 382.96 | 954.56 | 136224.07 |
| 29 | 2027-03 | 1337.51 | 380.29 | 957.22 | 135266.85 |
| 30 | 2027-04 | 1337.51 | 377.62 | 959.89 | 134306.96 |
| 31 | 2027-05 | 1337.51 | 374.94 | 962.57 | 133344.38 |
| 32 | 2027-06 | 1337.51 | 372.25 | 965.26 | 132379.12 |
| 33 | 2027-07 | 1337.51 | 369.56 | 967.95 | 131411.17 |
| 34 | 2027-08 | 1337.51 | 366.86 | 970.66 | 130440.51 |
| 35 | 2027-09 | 1337.51 | 364.15 | 973.37 | 129467.15 |
| 36 | 2027-10 | 1337.51 | 361.43 | 976.08 | 128491.06 |
| 37 | 2027-11 | 1337.51 | 358.70 | 978.81 | 127512.26 |
| 38 | 2027-12 | 1337.51 | 355.97 | 981.54 | 126530.72 |
| 39 | 2028-01 | 1337.51 | 353.23 | 984.28 | 125546.43 |
| 40 | 2028-02 | 1337.51 | 350.48 | 987.03 | 124559.41 |
| 41 | 2028-03 | 1337.51 | 347.73 | 989.78 | 123569.62 |
| 42 | 2028-04 | 1337.51 | 344.97 | 992.55 | 122577.07 |
| 43 | 2028-05 | 1337.51 | 342.19 | 995.32 | 121581.76 |
| 44 | 2028-06 | 1337.51 | 339.42 | 998.10 | 120583.66 |
| 45 | 2028-07 | 1337.51 | 336.63 | 1000.88 | 119582.78 |
| 46 | 2028-08 | 1337.51 | 333.84 | 1003.68 | 118579.10 |
| 47 | 2028-09 | 1337.51 | 331.03 | 1006.48 | 117572.62 |
| 48 | 2028-10 | 1337.51 | 328.22 | 1009.29 | 116563.33 |
| 49 | 2028-11 | 1337.51 | 325.41 | 1012.11 | 115551.22 |
| 50 | 2028-12 | 1337.51 | 322.58 | 1014.93 | 114536.29 |
| 51 | 2029-01 | 1337.51 | 319.75 | 1017.77 | 113518.53 |
| 52 | 2029-02 | 1337.51 | 316.91 | 1020.61 | 112497.92 |
| 53 | 2029-03 | 1337.51 | 314.06 | 1023.46 | 111474.46 |
| 54 | 2029-04 | 1337.51 | 311.20 | 1026.31 | 110448.15 |
| 55 | 2029-05 | 1337.51 | 308.33 | 1029.18 | 109418.97 |
| 56 | 2029-06 | 1337.51 | 305.46 | 1032.05 | 108386.92 |
| 57 | 2029-07 | 1337.51 | 302.58 | 1034.93 | 107351.99 |
| 58 | 2029-08 | 1337.51 | 299.69 | 1037.82 | 106314.17 |
| 59 | 2029-09 | 1337.51 | 296.79 | 1040.72 | 105273.45 |
| 60 | 2029-10 | 1337.51 | 293.89 | 1043.62 | 104229.83 |
| 61 | 2029-11 | 1337.51 | 290.97 | 1046.54 | 103183.29 |
| 62 | 2029-12 | 1337.51 | 288.05 | 1049.46 | 102133.83 |
| 63 | 2030-01 | 1337.51 | 285.12 | 1052.39 | 101081.44 |
| 64 | 2030-02 | 1337.51 | 282.19 | 1055.33 | 100026.11 |
| 65 | 2030-03 | 1337.51 | 279.24 | 1058.27 | 98967.84 |
| 66 | 2030-04 | 1337.51 | 276.29 | 1061.23 | 97906.61 |
| 67 | 2030-05 | 1337.51 | 273.32 | 1064.19 | 96842.42 |
| 68 | 2030-06 | 1337.51 | 270.35 | 1067.16 | 95775.26 |
| 69 | 2030-07 | 1337.51 | 267.37 | 1070.14 | 94705.12 |
| 70 | 2030-08 | 1337.51 | 264.39 | 1073.13 | 93632.00 |
| 71 | 2030-09 | 1337.51 | 261.39 | 1076.12 | 92555.87 |
| 72 | 2030-10 | 1337.51 | 258.39 | 1079.13 | 91476.75 |
| 73 | 2030-11 | 1337.51 | 255.37 | 1082.14 | 90394.61 |
| 74 | 2030-12 | 1337.51 | 252.35 | 1085.16 | 89309.45 |
| 75 | 2031-01 | 1337.51 | 249.32 | 1088.19 | 88221.25 |
| 76 | 2031-02 | 1337.51 | 246.28 | 1091.23 | 87130.03 |
| 77 | 2031-03 | 1337.51 | 243.24 | 1094.27 | 86035.75 |
| 78 | 2031-04 | 1337.51 | 240.18 | 1097.33 | 84938.42 |
| 79 | 2031-05 | 1337.51 | 237.12 | 1100.39 | 83838.03 |
| 80 | 2031-06 | 1337.51 | 234.05 | 1103.46 | 82734.57 |
| 81 | 2031-07 | 1337.51 | 230.97 | 1106.55 | 81628.02 |
| 82 | 2031-08 | 1337.51 | 227.88 | 1109.63 | 80518.39 |
| 83 | 2031-09 | 1337.51 | 224.78 | 1112.73 | 79405.65 |
| 84 | 2031-10 | 1337.51 | 221.67 | 1115.84 | 78289.82 |
| 85 | 2031-11 | 1337.51 | 218.56 | 1118.95 | 77170.86 |
| 86 | 2031-12 | 1337.51 | 215.44 | 1122.08 | 76048.79 |
| 87 | 2032-01 | 1337.51 | 212.30 | 1125.21 | 74923.58 |
| 88 | 2032-02 | 1337.51 | 209.16 | 1128.35 | 73795.23 |
| 89 | 2032-03 | 1337.51 | 206.01 | 1131.50 | 72663.72 |
| 90 | 2032-04 | 1337.51 | 202.85 | 1134.66 | 71529.06 |
| 91 | 2032-05 | 1337.51 | 199.69 | 1137.83 | 70391.24 |
| 92 | 2032-06 | 1337.51 | 196.51 | 1141.00 | 69250.23 |
| 93 | 2032-07 | 1337.51 | 193.32 | 1144.19 | 68106.05 |
| 94 | 2032-08 | 1337.51 | 190.13 | 1147.38 | 66958.66 |
| 95 | 2032-09 | 1337.51 | 186.93 | 1150.59 | 65808.08 |
| 96 | 2032-10 | 1337.51 | 183.71 | 1153.80 | 64654.28 |
| 97 | 2032-11 | 1337.51 | 180.49 | 1157.02 | 63497.26 |
| 98 | 2032-12 | 1337.51 | 177.26 | 1160.25 | 62337.01 |
| 99 | 2033-01 | 1337.51 | 174.02 | 1163.49 | 61173.52 |
| 100 | 2033-02 | 1337.51 | 170.78 | 1166.74 | 60006.78 |
| 101 | 2033-03 | 1337.51 | 167.52 | 1169.99 | 58836.79 |
| 102 | 2033-04 | 1337.51 | 164.25 | 1173.26 | 57663.53 |
| 103 | 2033-05 | 1337.51 | 160.98 | 1176.54 | 56487.00 |
| 104 | 2033-06 | 1337.51 | 157.69 | 1179.82 | 55307.18 |
| 105 | 2033-07 | 1337.51 | 154.40 | 1183.11 | 54124.06 |
| 106 | 2033-08 | 1337.51 | 151.10 | 1186.42 | 52937.65 |
| 107 | 2033-09 | 1337.51 | 147.78 | 1189.73 | 51747.92 |
| 108 | 2033-10 | 1337.51 | 144.46 | 1193.05 | 50554.87 |
| 109 | 2033-11 | 1337.51 | 141.13 | 1196.38 | 49358.49 |
| 110 | 2033-12 | 1337.51 | 137.79 | 1199.72 | 48158.77 |
| 111 | 2034-01 | 1337.51 | 134.44 | 1203.07 | 46955.70 |
| 112 | 2034-02 | 1337.51 | 131.08 | 1206.43 | 45749.27 |
| 113 | 2034-03 | 1337.51 | 127.72 | 1209.80 | 44539.48 |
| 114 | 2034-04 | 1337.51 | 124.34 | 1213.17 | 43326.30 |
| 115 | 2034-05 | 1337.51 | 120.95 | 1216.56 | 42109.74 |
| 116 | 2034-06 | 1337.51 | 117.56 | 1219.96 | 40889.79 |
| 117 | 2034-07 | 1337.51 | 114.15 | 1223.36 | 39666.43 |
| 118 | 2034-08 | 1337.51 | 110.74 | 1226.78 | 38439.65 |
| 119 | 2034-09 | 1337.51 | 107.31 | 1230.20 | 37209.45 |
| 120 | 2034-10 | 1337.51 | 103.88 | 1233.64 | 35975.81 |
| 121 | 2034-11 | 1337.51 | 100.43 | 1237.08 | 34738.73 |
| 122 | 2034-12 | 1337.51 | 96.98 | 1240.53 | 33498.20 |
| 123 | 2035-01 | 1337.51 | 93.52 | 1244.00 | 32254.20 |
| 124 | 2035-02 | 1337.51 | 90.04 | 1247.47 | 31006.73 |
| 125 | 2035-03 | 1337.51 | 86.56 | 1250.95 | 29755.78 |
| 126 | 2035-04 | 1337.51 | 83.07 | 1254.44 | 28501.33 |
| 127 | 2035-05 | 1337.51 | 79.57 | 1257.95 | 27243.39 |
| 128 | 2035-06 | 1337.51 | 76.05 | 1261.46 | 25981.93 |
| 129 | 2035-07 | 1337.51 | 72.53 | 1264.98 | 24716.95 |
| 130 | 2035-08 | 1337.51 | 69.00 | 1268.51 | 23448.44 |
| 131 | 2035-09 | 1337.51 | 65.46 | 1272.05 | 22176.39 |
| 132 | 2035-10 | 1337.51 | 61.91 | 1275.60 | 20900.78 |
| 133 | 2035-11 | 1337.51 | 58.35 | 1279.16 | 19621.62 |
| 134 | 2035-12 | 1337.51 | 54.78 | 1282.74 | 18338.88 |
| 135 | 2036-01 | 1337.51 | 51.20 | 1286.32 | 17052.57 |
| 136 | 2036-02 | 1337.51 | 47.61 | 1289.91 | 15762.66 |
| 137 | 2036-03 | 1337.51 | 44.00 | 1293.51 | 14469.15 |
| 138 | 2036-04 | 1337.51 | 40.39 | 1297.12 | 13172.03 |
| 139 | 2036-05 | 1337.51 | 36.77 | 1300.74 | 11871.29 |
| 140 | 2036-06 | 1337.51 | 33.14 | 1304.37 | 10566.92 |
| 141 | 2036-07 | 1337.51 | 29.50 | 1308.01 | 9258.91 |
| 142 | 2036-08 | 1337.51 | 25.85 | 1311.66 | 7947.24 |
| 143 | 2036-09 | 1337.51 | 22.19 | 1315.33 | 6631.92 |
| 144 | 2036-10 | 1337.51 | 18.51 | 1319.00 | 5312.92 |
| 145 | 2036-11 | 1337.51 | 14.83 | 1322.68 | 3990.24 |
| 146 | 2036-12 | 1337.51 | 11.14 | 1326.37 | 2663.86 |
| 147 | 2037-01 | 1337.51 | 7.44 | 1330.08 | 1333.79 |
| 148 | 2037-02 | 1337.51 | 3.72 | 1333.79 | 0.00 |
还款方式二：等额本金
贷款总额：16.2万
还款月数：12年4个月
首月还款：1546.57元
每月递减：3.06元
利息总额：3.37万
本息合计：19.57万
节省利息：2294.31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 | 1546.57 | 452.17 | 1094.40 | 160876.55 |
| 2 | 2024-12 | 1543.51 | 449.11 | 1094.40 | 159782.15 |
| 3 | 2025-01 | 1540.46 | 446.06 | 1094.40 | 158687.76 |
| 4 | 2025-02 | 1537.40 | 443.00 | 1094.40 | 157593.36 |
| 5 | 2025-03 | 1534.35 | 439.95 | 1094.40 | 156498.96 |
| 6 | 2025-04 | 1531.29 | 436.89 | 1094.40 | 155404.56 |
| 7 | 2025-05 | 1528.24 | 433.84 | 1094.40 | 154310.16 |
| 8 | 2025-06 | 1525.18 | 430.78 | 1094.40 | 153215.76 |
| 9 | 2025-07 | 1522.13 | 427.73 | 1094.40 | 152121.37 |
| 10 | 2025-08 | 1519.07 | 424.67 | 1094.40 | 151026.97 |
| 11 | 2025-09 | 1516.02 | 421.62 | 1094.40 | 149932.57 |
| 12 | 2025-10 | 1512.96 | 418.56 | 1094.40 | 148838.17 |
| 13 | 2025-11 | 1509.90 | 415.51 | 1094.40 | 147743.77 |
| 14 | 2025-12 | 1506.85 | 412.45 | 1094.40 | 146649.37 |
| 15 | 2026-01 | 1503.79 | 409.40 | 1094.40 | 145554.98 |
| 16 | 2026-02 | 1500.74 | 406.34 | 1094.40 | 144460.58 |
| 17 | 2026-03 | 1497.68 | 403.29 | 1094.40 | 143366.18 |
| 18 | 2026-04 | 1494.63 | 400.23 | 1094.40 | 142271.78 |
| 19 | 2026-05 | 1491.57 | 397.18 | 1094.40 | 141177.38 |
| 20 | 2026-06 | 1488.52 | 394.12 | 1094.40 | 140082.98 |
| 21 | 2026-07 | 1485.46 | 391.06 | 1094.40 | 138988.59 |
| 22 | 2026-08 | 1482.41 | 388.01 | 1094.40 | 137894.19 |
| 23 | 2026-09 | 1479.35 | 384.95 | 1094.40 | 136799.79 |
| 24 | 2026-10 | 1476.30 | 381.90 | 1094.40 | 135705.39 |
| 25 | 2026-11 | 1473.24 | 378.84 | 1094.40 | 134610.99 |
| 26 | 2026-12 | 1470.19 | 375.79 | 1094.40 | 133516.59 |
| 27 | 2027-01 | 1467.13 | 372.73 | 1094.40 | 132422.20 |
| 28 | 2027-02 | 1464.08 | 369.68 | 1094.40 | 131327.80 |
| 29 | 2027-03 | 1461.02 | 366.62 | 1094.40 | 130233.40 |
| 30 | 2027-04 | 1457.97 | 363.57 | 1094.40 | 129139.00 |
| 31 | 2027-05 | 1454.91 | 360.51 | 1094.40 | 128044.60 |
| 32 | 2027-06 | 1451.86 | 357.46 | 1094.40 | 126950.20 |
| 33 | 2027-07 | 1448.80 | 354.40 | 1094.40 | 125855.81 |
| 34 | 2027-08 | 1445.75 | 351.35 | 1094.40 | 124761.41 |
| 35 | 2027-09 | 1442.69 | 348.29 | 1094.40 | 123667.01 |
| 36 | 2027-10 | 1439.64 | 345.24 | 1094.40 | 122572.61 |
| 37 | 2027-11 | 1436.58 | 342.18 | 1094.40 | 121478.21 |
| 38 | 2027-12 | 1433.52 | 339.13 | 1094.40 | 120383.81 |
| 39 | 2028-01 | 1430.47 | 336.07 | 1094.40 | 119289.42 |
| 40 | 2028-02 | 1427.41 | 333.02 | 1094.40 | 118195.02 |
| 41 | 2028-03 | 1424.36 | 329.96 | 1094.40 | 117100.62 |
| 42 | 2028-04 | 1421.30 | 326.91 | 1094.40 | 116006.22 |
| 43 | 2028-05 | 1418.25 | 323.85 | 1094.40 | 114911.82 |
| 44 | 2028-06 | 1415.19 | 320.80 | 1094.40 | 113817.42 |
| 45 | 2028-07 | 1412.14 | 317.74 | 1094.40 | 112723.03 |
| 46 | 2028-08 | 1409.08 | 314.69 | 1094.40 | 111628.63 |
| 47 | 2028-09 | 1406.03 | 311.63 | 1094.40 | 110534.23 |
| 48 | 2028-10 | 1402.97 | 308.57 | 1094.40 | 109439.83 |
| 49 | 2028-11 | 1399.92 | 305.52 | 1094.40 | 108345.43 |
| 50 | 2028-12 | 1396.86 | 302.46 | 1094.40 | 107251.03 |
| 51 | 2029-01 | 1393.81 | 299.41 | 1094.40 | 106156.64 |
| 52 | 2029-02 | 1390.75 | 296.35 | 1094.40 | 105062.24 |
| 53 | 2029-03 | 1387.70 | 293.30 | 1094.40 | 103967.84 |
| 54 | 2029-04 | 1384.64 | 290.24 | 1094.40 | 102873.44 |
| 55 | 2029-05 | 1381.59 | 287.19 | 1094.40 | 101779.04 |
| 56 | 2029-06 | 1378.53 | 284.13 | 1094.40 | 100684.64 |
| 57 | 2029-07 | 1375.48 | 281.08 | 1094.40 | 99590.25 |
| 58 | 2029-08 | 1372.42 | 278.02 | 1094.40 | 98495.85 |
| 59 | 2029-09 | 1369.37 | 274.97 | 1094.40 | 97401.45 |
| 60 | 2029-10 | 1366.31 | 271.91 | 1094.40 | 96307.05 |
| 61 | 2029-11 | 1363.26 | 268.86 | 1094.40 | 95212.65 |
| 62 | 2029-12 | 1360.20 | 265.80 | 1094.40 | 94118.25 |
| 63 | 2030-01 | 1357.15 | 262.75 | 1094.40 | 93023.86 |
| 64 | 2030-02 | 1354.09 | 259.69 | 1094.40 | 91929.46 |
| 65 | 2030-03 | 1351.03 | 256.64 | 1094.40 | 90835.06 |
| 66 | 2030-04 | 1347.98 | 253.58 | 1094.40 | 89740.66 |
| 67 | 2030-05 | 1344.92 | 250.53 | 1094.40 | 88646.26 |
| 68 | 2030-06 | 1341.87 | 247.47 | 1094.40 | 87551.86 |
| 69 | 2030-07 | 1338.81 | 244.42 | 1094.40 | 86457.47 |
| 70 | 2030-08 | 1335.76 | 241.36 | 1094.40 | 85363.07 |
| 71 | 2030-09 | 1332.70 | 238.31 | 1094.40 | 84268.67 |
| 72 | 2030-10 | 1329.65 | 235.25 | 1094.40 | 83174.27 |
| 73 | 2030-11 | 1326.59 | 232.19 | 1094.40 | 82079.87 |
| 74 | 2030-12 | 1323.54 | 229.14 | 1094.40 | 80985.48 |
| 75 | 2031-01 | 1320.48 | 226.08 | 1094.40 | 79891.08 |
| 76 | 2031-02 | 1317.43 | 223.03 | 1094.40 | 78796.68 |
| 77 | 2031-03 | 1314.37 | 219.97 | 1094.40 | 77702.28 |
| 78 | 2031-04 | 1311.32 | 216.92 | 1094.40 | 76607.88 |
| 79 | 2031-05 | 1308.26 | 213.86 | 1094.40 | 75513.48 |
| 80 | 2031-06 | 1305.21 | 210.81 | 1094.40 | 74419.09 |
| 81 | 2031-07 | 1302.15 | 207.75 | 1094.40 | 73324.69 |
| 82 | 2031-08 | 1299.10 | 204.70 | 1094.40 | 72230.29 |
| 83 | 2031-09 | 1296.04 | 201.64 | 1094.40 | 71135.89 |
| 84 | 2031-10 | 1292.99 | 198.59 | 1094.40 | 70041.49 |
| 85 | 2031-11 | 1289.93 | 195.53 | 1094.40 | 68947.09 |
| 86 | 2031-12 | 1286.88 | 192.48 | 1094.40 | 67852.70 |
| 87 | 2032-01 | 1283.82 | 189.42 | 1094.40 | 66758.30 |
| 88 | 2032-02 | 1280.77 | 186.37 | 1094.40 | 65663.90 |
| 89 | 2032-03 | 1277.71 | 183.31 | 1094.40 | 64569.50 |
| 90 | 2032-04 | 1274.65 | 180.26 | 1094.40 | 63475.10 |
| 91 | 2032-05 | 1271.60 | 177.20 | 1094.40 | 62380.70 |
| 92 | 2032-06 | 1268.54 | 174.15 | 1094.40 | 61286.31 |
| 93 | 2032-07 | 1265.49 | 171.09 | 1094.40 | 60191.91 |
| 94 | 2032-08 | 1262.43 | 168.04 | 1094.40 | 59097.51 |
| 95 | 2032-09 | 1259.38 | 164.98 | 1094.40 | 58003.11 |
| 96 | 2032-10 | 1256.32 | 161.93 | 1094.40 | 56908.71 |
| 97 | 2032-11 | 1253.27 | 158.87 | 1094.40 | 55814.31 |
| 98 | 2032-12 | 1250.21 | 155.81 | 1094.40 | 54719.92 |
| 99 | 2033-01 | 1247.16 | 152.76 | 1094.40 | 53625.52 |
| 100 | 2033-02 | 1244.10 | 149.70 | 1094.40 | 52531.12 |
| 101 | 2033-03 | 1241.05 | 146.65 | 1094.40 | 51436.72 |
| 102 | 2033-04 | 1237.99 | 143.59 | 1094.40 | 50342.32 |
| 103 | 2033-05 | 1234.94 | 140.54 | 1094.40 | 49247.92 |
| 104 | 2033-06 | 1231.88 | 137.48 | 1094.40 | 48153.53 |
| 105 | 2033-07 | 1228.83 | 134.43 | 1094.40 | 47059.13 |
| 106 | 2033-08 | 1225.77 | 131.37 | 1094.40 | 45964.73 |
| 107 | 2033-09 | 1222.72 | 128.32 | 1094.40 | 44870.33 |
| 108 | 2033-10 | 1219.66 | 125.26 | 1094.40 | 43775.93 |
| 109 | 2033-11 | 1216.61 | 122.21 | 1094.40 | 42681.53 |
| 110 | 2033-12 | 1213.55 | 119.15 | 1094.40 | 41587.14 |
| 111 | 2034-01 | 1210.50 | 116.10 | 1094.40 | 40492.74 |
| 112 | 2034-02 | 1207.44 | 113.04 | 1094.40 | 39398.34 |
| 113 | 2034-03 | 1204.39 | 109.99 | 1094.40 | 38303.94 |
| 114 | 2034-04 | 1201.33 | 106.93 | 1094.40 | 37209.54 |
| 115 | 2034-05 | 1198.27 | 103.88 | 1094.40 | 36115.14 |
| 116 | 2034-06 | 1195.22 | 100.82 | 1094.40 | 35020.75 |
| 117 | 2034-07 | 1192.16 | 97.77 | 1094.40 | 33926.35 |
| 118 | 2034-08 | 1189.11 | 94.71 | 1094.40 | 32831.95 |
| 119 | 2034-09 | 1186.05 | 91.66 | 1094.40 | 31737.55 |
| 120 | 2034-10 | 1183.00 | 88.60 | 1094.40 | 30643.15 |
| 121 | 2034-11 | 1179.94 | 85.55 | 1094.40 | 29548.75 |
| 122 | 2034-12 | 1176.89 | 82.49 | 1094.40 | 28454.36 |
| 123 | 2035-01 | 1173.83 | 79.44 | 1094.40 | 27359.96 |
| 124 | 2035-02 | 1170.78 | 76.38 | 1094.40 | 26265.56 |
| 125 | 2035-03 | 1167.72 | 73.32 | 1094.40 | 25171.16 |
| 126 | 2035-04 | 1164.67 | 70.27 | 1094.40 | 24076.76 |
| 127 | 2035-05 | 1161.61 | 67.21 | 1094.40 | 22982.36 |
| 128 | 2035-06 | 1158.56 | 64.16 | 1094.40 | 21887.97 |
| 129 | 2035-07 | 1155.50 | 61.10 | 1094.40 | 20793.57 |
| 130 | 2035-08 | 1152.45 | 58.05 | 1094.40 | 19699.17 |
| 131 | 2035-09 | 1149.39 | 54.99 | 1094.40 | 18604.77 |
| 132 | 2035-10 | 1146.34 | 51.94 | 1094.40 | 17510.37 |
| 133 | 2035-11 | 1143.28 | 48.88 | 1094.40 | 16415.97 |
| 134 | 2035-12 | 1140.23 | 45.83 | 1094.40 | 15321.58 |
| 135 | 2036-01 | 1137.17 | 42.77 | 1094.40 | 14227.18 |
| 136 | 2036-02 | 1134.12 | 39.72 | 1094.40 | 13132.78 |
| 137 | 2036-03 | 1131.06 | 36.66 | 1094.40 | 12038.38 |
| 138 | 2036-04 | 1128.01 | 33.61 | 1094.40 | 10943.98 |
| 139 | 2036-05 | 1124.95 | 30.55 | 1094.40 | 9849.58 |
| 140 | 2036-06 | 1121.90 | 27.50 | 1094.40 | 8755.19 |
| 141 | 2036-07 | 1118.84 | 24.44 | 1094.40 | 7660.79 |
| 142 | 2036-08 | 1115.78 | 21.39 | 1094.40 | 6566.39 |
| 143 | 2036-09 | 1112.73 | 18.33 | 1094.40 | 5471.99 |
| 144 | 2036-10 | 1109.67 | 15.28 | 1094.40 | 4377.59 |
| 145 | 2036-11 | 1106.62 | 12.22 | 1094.40 | 3283.19 |
| 146 | 2036-12 | 1103.56 | 9.17 | 1094.40 | 2188.80 |
| 147 | 2037-01 | 1100.51 | 6.11 | 1094.40 | 1094.40 |
| 148 | 2037-02 | 1097.45 | 3.06 | 1094.40 | 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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