贷款120万（公积金贷款）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：120万
还款月数：10年
每月还款：11782.17元
利息总额：21.39万
本息合计：141.39万
| 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 | 11782.17 | 3350.00 | 8432.17 | 1191567.83 |
| 2 | 2024-12 | 11782.17 | 3326.46 | 8455.71 | 1183112.12 |
| 3 | 2025-01 | 11782.17 | 3302.85 | 8479.31 | 1174632.81 |
| 4 | 2025-02 | 11782.17 | 3279.18 | 8502.99 | 1166129.82 |
| 5 | 2025-03 | 11782.17 | 3255.45 | 8526.72 | 1157603.10 |
| 6 | 2025-04 | 11782.17 | 3231.64 | 8550.53 | 1149052.57 |
| 7 | 2025-05 | 11782.17 | 3207.77 | 8574.40 | 1140478.18 |
| 8 | 2025-06 | 11782.17 | 3183.83 | 8598.33 | 1131879.84 |
| 9 | 2025-07 | 11782.17 | 3159.83 | 8622.34 | 1123257.51 |
| 10 | 2025-08 | 11782.17 | 3135.76 | 8646.41 | 1114611.10 |
| 11 | 2025-09 | 11782.17 | 3111.62 | 8670.55 | 1105940.55 |
| 12 | 2025-10 | 11782.17 | 3087.42 | 8694.75 | 1097245.80 |
| 13 | 2025-11 | 11782.17 | 3063.14 | 8719.02 | 1088526.78 |
| 14 | 2025-12 | 11782.17 | 3038.80 | 8743.36 | 1079783.41 |
| 15 | 2026-01 | 11782.17 | 3014.40 | 8767.77 | 1071015.64 |
| 16 | 2026-02 | 11782.17 | 2989.92 | 8792.25 | 1062223.39 |
| 17 | 2026-03 | 11782.17 | 2965.37 | 8816.80 | 1053406.59 |
| 18 | 2026-04 | 11782.17 | 2940.76 | 8841.41 | 1044565.18 |
| 19 | 2026-05 | 11782.17 | 2916.08 | 8866.09 | 1035699.09 |
| 20 | 2026-06 | 11782.17 | 2891.33 | 8890.84 | 1026808.25 |
| 21 | 2026-07 | 11782.17 | 2866.51 | 8915.66 | 1017892.59 |
| 22 | 2026-08 | 11782.17 | 2841.62 | 8940.55 | 1008952.04 |
| 23 | 2026-09 | 11782.17 | 2816.66 | 8965.51 | 999986.53 |
| 24 | 2026-10 | 11782.17 | 2791.63 | 8990.54 | 990995.99 |
| 25 | 2026-11 | 11782.17 | 2766.53 | 9015.64 | 981980.35 |
| 26 | 2026-12 | 11782.17 | 2741.36 | 9040.81 | 972939.54 |
| 27 | 2027-01 | 11782.17 | 2716.12 | 9066.05 | 963873.50 |
| 28 | 2027-02 | 11782.17 | 2690.81 | 9091.36 | 954782.14 |
| 29 | 2027-03 | 11782.17 | 2665.43 | 9116.74 | 945665.41 |
| 30 | 2027-04 | 11782.17 | 2639.98 | 9142.19 | 936523.22 |
| 31 | 2027-05 | 11782.17 | 2614.46 | 9167.71 | 927355.51 |
| 32 | 2027-06 | 11782.17 | 2588.87 | 9193.30 | 918162.21 |
| 33 | 2027-07 | 11782.17 | 2563.20 | 9218.97 | 908943.25 |
| 34 | 2027-08 | 11782.17 | 2537.47 | 9244.70 | 899698.54 |
| 35 | 2027-09 | 11782.17 | 2511.66 | 9270.51 | 890428.03 |
| 36 | 2027-10 | 11782.17 | 2485.78 | 9296.39 | 881131.64 |
| 37 | 2027-11 | 11782.17 | 2459.83 | 9322.34 | 871809.30 |
| 38 | 2027-12 | 11782.17 | 2433.80 | 9348.37 | 862460.93 |
| 39 | 2028-01 | 11782.17 | 2407.70 | 9374.47 | 853086.47 |
| 40 | 2028-02 | 11782.17 | 2381.53 | 9400.64 | 843685.83 |
| 41 | 2028-03 | 11782.17 | 2355.29 | 9426.88 | 834258.95 |
| 42 | 2028-04 | 11782.17 | 2328.97 | 9453.20 | 824805.76 |
| 43 | 2028-05 | 11782.17 | 2302.58 | 9479.59 | 815326.17 |
| 44 | 2028-06 | 11782.17 | 2276.12 | 9506.05 | 805820.12 |
| 45 | 2028-07 | 11782.17 | 2249.58 | 9532.59 | 796287.53 |
| 46 | 2028-08 | 11782.17 | 2222.97 | 9559.20 | 786728.33 |
| 47 | 2028-09 | 11782.17 | 2196.28 | 9585.89 | 777142.45 |
| 48 | 2028-10 | 11782.17 | 2169.52 | 9612.65 | 767529.80 |
| 49 | 2028-11 | 11782.17 | 2142.69 | 9639.48 | 757890.32 |
| 50 | 2028-12 | 11782.17 | 2115.78 | 9666.39 | 748223.93 |
| 51 | 2029-01 | 11782.17 | 2088.79 | 9693.38 | 738530.55 |
| 52 | 2029-02 | 11782.17 | 2061.73 | 9720.44 | 728810.12 |
| 53 | 2029-03 | 11782.17 | 2034.59 | 9747.57 | 719062.54 |
| 54 | 2029-04 | 11782.17 | 2007.38 | 9774.79 | 709287.76 |
| 55 | 2029-05 | 11782.17 | 1980.09 | 9802.07 | 699485.68 |
| 56 | 2029-06 | 11782.17 | 1952.73 | 9829.44 | 689656.24 |
| 57 | 2029-07 | 11782.17 | 1925.29 | 9856.88 | 679799.37 |
| 58 | 2029-08 | 11782.17 | 1897.77 | 9884.40 | 669914.97 |
| 59 | 2029-09 | 11782.17 | 1870.18 | 9911.99 | 660002.98 |
| 60 | 2029-10 | 11782.17 | 1842.51 | 9939.66 | 650063.32 |
| 61 | 2029-11 | 11782.17 | 1814.76 | 9967.41 | 640095.91 |
| 62 | 2029-12 | 11782.17 | 1786.93 | 9995.23 | 630100.68 |
| 63 | 2030-01 | 11782.17 | 1759.03 | 10023.14 | 620077.54 |
| 64 | 2030-02 | 11782.17 | 1731.05 | 10051.12 | 610026.42 |
| 65 | 2030-03 | 11782.17 | 1702.99 | 10079.18 | 599947.24 |
| 66 | 2030-04 | 11782.17 | 1674.85 | 10107.32 | 589839.93 |
| 67 | 2030-05 | 11782.17 | 1646.64 | 10135.53 | 579704.40 |
| 68 | 2030-06 | 11782.17 | 1618.34 | 10163.83 | 569540.57 |
| 69 | 2030-07 | 11782.17 | 1589.97 | 10192.20 | 559348.37 |
| 70 | 2030-08 | 11782.17 | 1561.51 | 10220.65 | 549127.71 |
| 71 | 2030-09 | 11782.17 | 1532.98 | 10249.19 | 538878.53 |
| 72 | 2030-10 | 11782.17 | 1504.37 | 10277.80 | 528600.73 |
| 73 | 2030-11 | 11782.17 | 1475.68 | 10306.49 | 518294.23 |
| 74 | 2030-12 | 11782.17 | 1446.90 | 10335.26 | 507958.97 |
| 75 | 2031-01 | 11782.17 | 1418.05 | 10364.12 | 497594.85 |
| 76 | 2031-02 | 11782.17 | 1389.12 | 10393.05 | 487201.80 |
| 77 | 2031-03 | 11782.17 | 1360.11 | 10422.06 | 476779.74 |
| 78 | 2031-04 | 11782.17 | 1331.01 | 10451.16 | 466328.58 |
| 79 | 2031-05 | 11782.17 | 1301.83 | 10480.33 | 455848.25 |
| 80 | 2031-06 | 11782.17 | 1272.58 | 10509.59 | 445338.65 |
| 81 | 2031-07 | 11782.17 | 1243.24 | 10538.93 | 434799.72 |
| 82 | 2031-08 | 11782.17 | 1213.82 | 10568.35 | 424231.37 |
| 83 | 2031-09 | 11782.17 | 1184.31 | 10597.86 | 413633.51 |
| 84 | 2031-10 | 11782.17 | 1154.73 | 10627.44 | 403006.07 |
| 85 | 2031-11 | 11782.17 | 1125.06 | 10657.11 | 392348.96 |
| 86 | 2031-12 | 11782.17 | 1095.31 | 10686.86 | 381662.10 |
| 87 | 2032-01 | 11782.17 | 1065.47 | 10716.70 | 370945.41 |
| 88 | 2032-02 | 11782.17 | 1035.56 | 10746.61 | 360198.79 |
| 89 | 2032-03 | 11782.17 | 1005.55 | 10776.61 | 349422.18 |
| 90 | 2032-04 | 11782.17 | 975.47 | 10806.70 | 338615.48 |
| 91 | 2032-05 | 11782.17 | 945.30 | 10836.87 | 327778.61 |
| 92 | 2032-06 | 11782.17 | 915.05 | 10867.12 | 316911.49 |
| 93 | 2032-07 | 11782.17 | 884.71 | 10897.46 | 306014.04 |
| 94 | 2032-08 | 11782.17 | 854.29 | 10927.88 | 295086.16 |
| 95 | 2032-09 | 11782.17 | 823.78 | 10958.39 | 284127.77 |
| 96 | 2032-10 | 11782.17 | 793.19 | 10988.98 | 273138.79 |
| 97 | 2032-11 | 11782.17 | 762.51 | 11019.66 | 262119.14 |
| 98 | 2032-12 | 11782.17 | 731.75 | 11050.42 | 251068.72 |
| 99 | 2033-01 | 11782.17 | 700.90 | 11081.27 | 239987.45 |
| 100 | 2033-02 | 11782.17 | 669.96 | 11112.20 | 228875.24 |
| 101 | 2033-03 | 11782.17 | 638.94 | 11143.23 | 217732.02 |
| 102 | 2033-04 | 11782.17 | 607.84 | 11174.33 | 206557.69 |
| 103 | 2033-05 | 11782.17 | 576.64 | 11205.53 | 195352.16 |
| 104 | 2033-06 | 11782.17 | 545.36 | 11236.81 | 184115.35 |
| 105 | 2033-07 | 11782.17 | 513.99 | 11268.18 | 172847.17 |
| 106 | 2033-08 | 11782.17 | 482.53 | 11299.64 | 161547.53 |
| 107 | 2033-09 | 11782.17 | 450.99 | 11331.18 | 150216.35 |
| 108 | 2033-10 | 11782.17 | 419.35 | 11362.81 | 138853.53 |
| 109 | 2033-11 | 11782.17 | 387.63 | 11394.54 | 127459.00 |
| 110 | 2033-12 | 11782.17 | 355.82 | 11426.35 | 116032.65 |
| 111 | 2034-01 | 11782.17 | 323.92 | 11458.24 | 104574.41 |
| 112 | 2034-02 | 11782.17 | 291.94 | 11490.23 | 93084.18 |
| 113 | 2034-03 | 11782.17 | 259.86 | 11522.31 | 81561.87 |
| 114 | 2034-04 | 11782.17 | 227.69 | 11554.48 | 70007.39 |
| 115 | 2034-05 | 11782.17 | 195.44 | 11586.73 | 58420.66 |
| 116 | 2034-06 | 11782.17 | 163.09 | 11619.08 | 46801.58 |
| 117 | 2034-07 | 11782.17 | 130.65 | 11651.51 | 35150.07 |
| 118 | 2034-08 | 11782.17 | 98.13 | 11684.04 | 23466.03 |
| 119 | 2034-09 | 11782.17 | 65.51 | 11716.66 | 11749.37 |
| 120 | 2034-10 | 11782.17 | 32.80 | 11749.37 | 0.00 |
还款方式二：等额本金
贷款总额：120万
还款月数：10年
首月还款：13350元
每月递减：27.92元
利息总额：20.27万
本息合计：140.27万
节省利息：11185.24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 | 13350.00 | 3350.00 | 10000.00 | 1190000.00 |
| 2 | 2024-12 | 13322.08 | 3322.08 | 10000.00 | 1180000.00 |
| 3 | 2025-01 | 13294.17 | 3294.17 | 10000.00 | 1170000.00 |
| 4 | 2025-02 | 13266.25 | 3266.25 | 10000.00 | 1160000.00 |
| 5 | 2025-03 | 13238.33 | 3238.33 | 10000.00 | 1150000.00 |
| 6 | 2025-04 | 13210.42 | 3210.42 | 10000.00 | 1140000.00 |
| 7 | 2025-05 | 13182.50 | 3182.50 | 10000.00 | 1130000.00 |
| 8 | 2025-06 | 13154.58 | 3154.58 | 10000.00 | 1120000.00 |
| 9 | 2025-07 | 13126.67 | 3126.67 | 10000.00 | 1110000.00 |
| 10 | 2025-08 | 13098.75 | 3098.75 | 10000.00 | 1100000.00 |
| 11 | 2025-09 | 13070.83 | 3070.83 | 10000.00 | 1090000.00 |
| 12 | 2025-10 | 13042.92 | 3042.92 | 10000.00 | 1080000.00 |
| 13 | 2025-11 | 13015.00 | 3015.00 | 10000.00 | 1070000.00 |
| 14 | 2025-12 | 12987.08 | 2987.08 | 10000.00 | 1060000.00 |
| 15 | 2026-01 | 12959.17 | 2959.17 | 10000.00 | 1050000.00 |
| 16 | 2026-02 | 12931.25 | 2931.25 | 10000.00 | 1040000.00 |
| 17 | 2026-03 | 12903.33 | 2903.33 | 10000.00 | 1030000.00 |
| 18 | 2026-04 | 12875.42 | 2875.42 | 10000.00 | 1020000.00 |
| 19 | 2026-05 | 12847.50 | 2847.50 | 10000.00 | 1010000.00 |
| 20 | 2026-06 | 12819.58 | 2819.58 | 10000.00 | 1000000.00 |
| 21 | 2026-07 | 12791.67 | 2791.67 | 10000.00 | 990000.00 |
| 22 | 2026-08 | 12763.75 | 2763.75 | 10000.00 | 980000.00 |
| 23 | 2026-09 | 12735.83 | 2735.83 | 10000.00 | 970000.00 |
| 24 | 2026-10 | 12707.92 | 2707.92 | 10000.00 | 960000.00 |
| 25 | 2026-11 | 12680.00 | 2680.00 | 10000.00 | 950000.00 |
| 26 | 2026-12 | 12652.08 | 2652.08 | 10000.00 | 940000.00 |
| 27 | 2027-01 | 12624.17 | 2624.17 | 10000.00 | 930000.00 |
| 28 | 2027-02 | 12596.25 | 2596.25 | 10000.00 | 920000.00 |
| 29 | 2027-03 | 12568.33 | 2568.33 | 10000.00 | 910000.00 |
| 30 | 2027-04 | 12540.42 | 2540.42 | 10000.00 | 900000.00 |
| 31 | 2027-05 | 12512.50 | 2512.50 | 10000.00 | 890000.00 |
| 32 | 2027-06 | 12484.58 | 2484.58 | 10000.00 | 880000.00 |
| 33 | 2027-07 | 12456.67 | 2456.67 | 10000.00 | 870000.00 |
| 34 | 2027-08 | 12428.75 | 2428.75 | 10000.00 | 860000.00 |
| 35 | 2027-09 | 12400.83 | 2400.83 | 10000.00 | 850000.00 |
| 36 | 2027-10 | 12372.92 | 2372.92 | 10000.00 | 840000.00 |
| 37 | 2027-11 | 12345.00 | 2345.00 | 10000.00 | 830000.00 |
| 38 | 2027-12 | 12317.08 | 2317.08 | 10000.00 | 820000.00 |
| 39 | 2028-01 | 12289.17 | 2289.17 | 10000.00 | 810000.00 |
| 40 | 2028-02 | 12261.25 | 2261.25 | 10000.00 | 800000.00 |
| 41 | 2028-03 | 12233.33 | 2233.33 | 10000.00 | 790000.00 |
| 42 | 2028-04 | 12205.42 | 2205.42 | 10000.00 | 780000.00 |
| 43 | 2028-05 | 12177.50 | 2177.50 | 10000.00 | 770000.00 |
| 44 | 2028-06 | 12149.58 | 2149.58 | 10000.00 | 760000.00 |
| 45 | 2028-07 | 12121.67 | 2121.67 | 10000.00 | 750000.00 |
| 46 | 2028-08 | 12093.75 | 2093.75 | 10000.00 | 740000.00 |
| 47 | 2028-09 | 12065.83 | 2065.83 | 10000.00 | 730000.00 |
| 48 | 2028-10 | 12037.92 | 2037.92 | 10000.00 | 720000.00 |
| 49 | 2028-11 | 12010.00 | 2010.00 | 10000.00 | 710000.00 |
| 50 | 2028-12 | 11982.08 | 1982.08 | 10000.00 | 700000.00 |
| 51 | 2029-01 | 11954.17 | 1954.17 | 10000.00 | 690000.00 |
| 52 | 2029-02 | 11926.25 | 1926.25 | 10000.00 | 680000.00 |
| 53 | 2029-03 | 11898.33 | 1898.33 | 10000.00 | 670000.00 |
| 54 | 2029-04 | 11870.42 | 1870.42 | 10000.00 | 660000.00 |
| 55 | 2029-05 | 11842.50 | 1842.50 | 10000.00 | 650000.00 |
| 56 | 2029-06 | 11814.58 | 1814.58 | 10000.00 | 640000.00 |
| 57 | 2029-07 | 11786.67 | 1786.67 | 10000.00 | 630000.00 |
| 58 | 2029-08 | 11758.75 | 1758.75 | 10000.00 | 620000.00 |
| 59 | 2029-09 | 11730.83 | 1730.83 | 10000.00 | 610000.00 |
| 60 | 2029-10 | 11702.92 | 1702.92 | 10000.00 | 600000.00 |
| 61 | 2029-11 | 11675.00 | 1675.00 | 10000.00 | 590000.00 |
| 62 | 2029-12 | 11647.08 | 1647.08 | 10000.00 | 580000.00 |
| 63 | 2030-01 | 11619.17 | 1619.17 | 10000.00 | 570000.00 |
| 64 | 2030-02 | 11591.25 | 1591.25 | 10000.00 | 560000.00 |
| 65 | 2030-03 | 11563.33 | 1563.33 | 10000.00 | 550000.00 |
| 66 | 2030-04 | 11535.42 | 1535.42 | 10000.00 | 540000.00 |
| 67 | 2030-05 | 11507.50 | 1507.50 | 10000.00 | 530000.00 |
| 68 | 2030-06 | 11479.58 | 1479.58 | 10000.00 | 520000.00 |
| 69 | 2030-07 | 11451.67 | 1451.67 | 10000.00 | 510000.00 |
| 70 | 2030-08 | 11423.75 | 1423.75 | 10000.00 | 500000.00 |
| 71 | 2030-09 | 11395.83 | 1395.83 | 10000.00 | 490000.00 |
| 72 | 2030-10 | 11367.92 | 1367.92 | 10000.00 | 480000.00 |
| 73 | 2030-11 | 11340.00 | 1340.00 | 10000.00 | 470000.00 |
| 74 | 2030-12 | 11312.08 | 1312.08 | 10000.00 | 460000.00 |
| 75 | 2031-01 | 11284.17 | 1284.17 | 10000.00 | 450000.00 |
| 76 | 2031-02 | 11256.25 | 1256.25 | 10000.00 | 440000.00 |
| 77 | 2031-03 | 11228.33 | 1228.33 | 10000.00 | 430000.00 |
| 78 | 2031-04 | 11200.42 | 1200.42 | 10000.00 | 420000.00 |
| 79 | 2031-05 | 11172.50 | 1172.50 | 10000.00 | 410000.00 |
| 80 | 2031-06 | 11144.58 | 1144.58 | 10000.00 | 400000.00 |
| 81 | 2031-07 | 11116.67 | 1116.67 | 10000.00 | 390000.00 |
| 82 | 2031-08 | 11088.75 | 1088.75 | 10000.00 | 380000.00 |
| 83 | 2031-09 | 11060.83 | 1060.83 | 10000.00 | 370000.00 |
| 84 | 2031-10 | 11032.92 | 1032.92 | 10000.00 | 360000.00 |
| 85 | 2031-11 | 11005.00 | 1005.00 | 10000.00 | 350000.00 |
| 86 | 2031-12 | 10977.08 | 977.08 | 10000.00 | 340000.00 |
| 87 | 2032-01 | 10949.17 | 949.17 | 10000.00 | 330000.00 |
| 88 | 2032-02 | 10921.25 | 921.25 | 10000.00 | 320000.00 |
| 89 | 2032-03 | 10893.33 | 893.33 | 10000.00 | 310000.00 |
| 90 | 2032-04 | 10865.42 | 865.42 | 10000.00 | 300000.00 |
| 91 | 2032-05 | 10837.50 | 837.50 | 10000.00 | 290000.00 |
| 92 | 2032-06 | 10809.58 | 809.58 | 10000.00 | 280000.00 |
| 93 | 2032-07 | 10781.67 | 781.67 | 10000.00 | 270000.00 |
| 94 | 2032-08 | 10753.75 | 753.75 | 10000.00 | 260000.00 |
| 95 | 2032-09 | 10725.83 | 725.83 | 10000.00 | 250000.00 |
| 96 | 2032-10 | 10697.92 | 697.92 | 10000.00 | 240000.00 |
| 97 | 2032-11 | 10670.00 | 670.00 | 10000.00 | 230000.00 |
| 98 | 2032-12 | 10642.08 | 642.08 | 10000.00 | 220000.00 |
| 99 | 2033-01 | 10614.17 | 614.17 | 10000.00 | 210000.00 |
| 100 | 2033-02 | 10586.25 | 586.25 | 10000.00 | 200000.00 |
| 101 | 2033-03 | 10558.33 | 558.33 | 10000.00 | 190000.00 |
| 102 | 2033-04 | 10530.42 | 530.42 | 10000.00 | 180000.00 |
| 103 | 2033-05 | 10502.50 | 502.50 | 10000.00 | 170000.00 |
| 104 | 2033-06 | 10474.58 | 474.58 | 10000.00 | 160000.00 |
| 105 | 2033-07 | 10446.67 | 446.67 | 10000.00 | 150000.00 |
| 106 | 2033-08 | 10418.75 | 418.75 | 10000.00 | 140000.00 |
| 107 | 2033-09 | 10390.83 | 390.83 | 10000.00 | 130000.00 |
| 108 | 2033-10 | 10362.92 | 362.92 | 10000.00 | 120000.00 |
| 109 | 2033-11 | 10335.00 | 335.00 | 10000.00 | 110000.00 |
| 110 | 2033-12 | 10307.08 | 307.08 | 10000.00 | 100000.00 |
| 111 | 2034-01 | 10279.17 | 279.17 | 10000.00 | 90000.00 |
| 112 | 2034-02 | 10251.25 | 251.25 | 10000.00 | 80000.00 |
| 113 | 2034-03 | 10223.33 | 223.33 | 10000.00 | 70000.00 |
| 114 | 2034-04 | 10195.42 | 195.42 | 10000.00 | 60000.00 |
| 115 | 2034-05 | 10167.50 | 167.50 | 10000.00 | 50000.00 |
| 116 | 2034-06 | 10139.58 | 139.58 | 10000.00 | 40000.00 |
| 117 | 2034-07 | 10111.67 | 111.67 | 10000.00 | 30000.00 |
| 118 | 2034-08 | 10083.75 | 83.75 | 10000.00 | 20000.00 |
| 119 | 2034-09 | 10055.83 | 55.83 | 10000.00 | 10000.00 |
| 120 | 2034-10 | 10027.92 | 27.92 | 10000.00 | 0.00 |
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采用2025年11月30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11月30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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