贷款225万（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：225万
还款月数：10年
每月还款：22091.57元
利息总额：40.1万
本息合计：265.1万
| 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 | 22091.57 | 6281.25 | 15810.32 | 2234189.68 |
| 2 | 2024-12 | 22091.57 | 6237.11 | 15854.45 | 2218335.23 |
| 3 | 2025-01 | 22091.57 | 6192.85 | 15898.71 | 2202436.52 |
| 4 | 2025-02 | 22091.57 | 6148.47 | 15943.10 | 2186493.42 |
| 5 | 2025-03 | 22091.57 | 6103.96 | 15987.61 | 2170505.81 |
| 6 | 2025-04 | 22091.57 | 6059.33 | 16032.24 | 2154473.58 |
| 7 | 2025-05 | 22091.57 | 6014.57 | 16076.99 | 2138396.58 |
| 8 | 2025-06 | 22091.57 | 5969.69 | 16121.88 | 2122274.71 |
| 9 | 2025-07 | 22091.57 | 5924.68 | 16166.88 | 2106107.82 |
| 10 | 2025-08 | 22091.57 | 5879.55 | 16212.02 | 2089895.81 |
| 11 | 2025-09 | 22091.57 | 5834.29 | 16257.27 | 2073638.53 |
| 12 | 2025-10 | 22091.57 | 5788.91 | 16302.66 | 2057335.88 |
| 13 | 2025-11 | 22091.57 | 5743.40 | 16348.17 | 2040987.71 |
| 14 | 2025-12 | 22091.57 | 5697.76 | 16393.81 | 2024593.90 |
| 15 | 2026-01 | 22091.57 | 5651.99 | 16439.57 | 2008154.32 |
| 16 | 2026-02 | 22091.57 | 5606.10 | 16485.47 | 1991668.85 |
| 17 | 2026-03 | 22091.57 | 5560.08 | 16531.49 | 1975137.36 |
| 18 | 2026-04 | 22091.57 | 5513.93 | 16577.64 | 1958559.72 |
| 19 | 2026-05 | 22091.57 | 5467.65 | 16623.92 | 1941935.80 |
| 20 | 2026-06 | 22091.57 | 5421.24 | 16670.33 | 1925265.47 |
| 21 | 2026-07 | 22091.57 | 5374.70 | 16716.87 | 1908548.61 |
| 22 | 2026-08 | 22091.57 | 5328.03 | 16763.53 | 1891785.07 |
| 23 | 2026-09 | 22091.57 | 5281.23 | 16810.33 | 1874974.74 |
| 24 | 2026-10 | 22091.57 | 5234.30 | 16857.26 | 1858117.48 |
| 25 | 2026-11 | 22091.57 | 5187.24 | 16904.32 | 1841213.15 |
| 26 | 2026-12 | 22091.57 | 5140.05 | 16951.51 | 1824261.64 |
| 27 | 2027-01 | 22091.57 | 5092.73 | 16998.84 | 1807262.81 |
| 28 | 2027-02 | 22091.57 | 5045.28 | 17046.29 | 1790216.51 |
| 29 | 2027-03 | 22091.57 | 4997.69 | 17093.88 | 1773122.64 |
| 30 | 2027-04 | 22091.57 | 4949.97 | 17141.60 | 1755981.04 |
| 31 | 2027-05 | 22091.57 | 4902.11 | 17189.45 | 1738791.59 |
| 32 | 2027-06 | 22091.57 | 4854.13 | 17237.44 | 1721554.15 |
| 33 | 2027-07 | 22091.57 | 4806.01 | 17285.56 | 1704268.58 |
| 34 | 2027-08 | 22091.57 | 4757.75 | 17333.82 | 1686934.77 |
| 35 | 2027-09 | 22091.57 | 4709.36 | 17382.21 | 1669552.56 |
| 36 | 2027-10 | 22091.57 | 4660.83 | 17430.73 | 1652121.83 |
| 37 | 2027-11 | 22091.57 | 4612.17 | 17479.39 | 1634642.44 |
| 38 | 2027-12 | 22091.57 | 4563.38 | 17528.19 | 1617114.25 |
| 39 | 2028-01 | 22091.57 | 4514.44 | 17577.12 | 1599537.12 |
| 40 | 2028-02 | 22091.57 | 4465.37 | 17626.19 | 1581910.93 |
| 41 | 2028-03 | 22091.57 | 4416.17 | 17675.40 | 1564235.53 |
| 42 | 2028-04 | 22091.57 | 4366.82 | 17724.74 | 1546510.79 |
| 43 | 2028-05 | 22091.57 | 4317.34 | 17774.22 | 1528736.57 |
| 44 | 2028-06 | 22091.57 | 4267.72 | 17823.84 | 1510912.73 |
| 45 | 2028-07 | 22091.57 | 4217.96 | 17873.60 | 1493039.12 |
| 46 | 2028-08 | 22091.57 | 4168.07 | 17923.50 | 1475115.63 |
| 47 | 2028-09 | 22091.57 | 4118.03 | 17973.54 | 1457142.09 |
| 48 | 2028-10 | 22091.57 | 4067.86 | 18023.71 | 1439118.38 |
| 49 | 2028-11 | 22091.57 | 4017.54 | 18074.03 | 1421044.35 |
| 50 | 2028-12 | 22091.57 | 3967.08 | 18124.48 | 1402919.87 |
| 51 | 2029-01 | 22091.57 | 3916.48 | 18175.08 | 1384744.79 |
| 52 | 2029-02 | 22091.57 | 3865.75 | 18225.82 | 1366518.97 |
| 53 | 2029-03 | 22091.57 | 3814.87 | 18276.70 | 1348242.27 |
| 54 | 2029-04 | 22091.57 | 3763.84 | 18327.72 | 1329914.54 |
| 55 | 2029-05 | 22091.57 | 3712.68 | 18378.89 | 1311535.65 |
| 56 | 2029-06 | 22091.57 | 3661.37 | 18430.20 | 1293105.46 |
| 57 | 2029-07 | 22091.57 | 3609.92 | 18481.65 | 1274623.81 |
| 58 | 2029-08 | 22091.57 | 3558.32 | 18533.24 | 1256090.57 |
| 59 | 2029-09 | 22091.57 | 3506.59 | 18584.98 | 1237505.59 |
| 60 | 2029-10 | 22091.57 | 3454.70 | 18636.86 | 1218868.73 |
| 61 | 2029-11 | 22091.57 | 3402.68 | 18688.89 | 1200179.84 |
| 62 | 2029-12 | 22091.57 | 3350.50 | 18741.06 | 1181438.77 |
| 63 | 2030-01 | 22091.57 | 3298.18 | 18793.38 | 1162645.39 |
| 64 | 2030-02 | 22091.57 | 3245.72 | 18845.85 | 1143799.54 |
| 65 | 2030-03 | 22091.57 | 3193.11 | 18898.46 | 1124901.08 |
| 66 | 2030-04 | 22091.57 | 3140.35 | 18951.22 | 1105949.86 |
| 67 | 2030-05 | 22091.57 | 3087.44 | 19004.12 | 1086945.74 |
| 68 | 2030-06 | 22091.57 | 3034.39 | 19057.18 | 1067888.57 |
| 69 | 2030-07 | 22091.57 | 2981.19 | 19110.38 | 1048778.19 |
| 70 | 2030-08 | 22091.57 | 2927.84 | 19163.73 | 1029614.46 |
| 71 | 2030-09 | 22091.57 | 2874.34 | 19217.23 | 1010397.23 |
| 72 | 2030-10 | 22091.57 | 2820.69 | 19270.87 | 991126.36 |
| 73 | 2030-11 | 22091.57 | 2766.89 | 19324.67 | 971801.69 |
| 74 | 2030-12 | 22091.57 | 2712.95 | 19378.62 | 952423.07 |
| 75 | 2031-01 | 22091.57 | 2658.85 | 19432.72 | 932990.35 |
| 76 | 2031-02 | 22091.57 | 2604.60 | 19486.97 | 913503.38 |
| 77 | 2031-03 | 22091.57 | 2550.20 | 19541.37 | 893962.01 |
| 78 | 2031-04 | 22091.57 | 2495.64 | 19595.92 | 874366.09 |
| 79 | 2031-05 | 22091.57 | 2440.94 | 19650.63 | 854715.46 |
| 80 | 2031-06 | 22091.57 | 2386.08 | 19705.49 | 835009.98 |
| 81 | 2031-07 | 22091.57 | 2331.07 | 19760.50 | 815249.48 |
| 82 | 2031-08 | 22091.57 | 2275.90 | 19815.66 | 795433.82 |
| 83 | 2031-09 | 22091.57 | 2220.59 | 19870.98 | 775562.84 |
| 84 | 2031-10 | 22091.57 | 2165.11 | 19926.45 | 755636.39 |
| 85 | 2031-11 | 22091.57 | 2109.48 | 19982.08 | 735654.31 |
| 86 | 2031-12 | 22091.57 | 2053.70 | 20037.86 | 715616.44 |
| 87 | 2032-01 | 22091.57 | 1997.76 | 20093.80 | 695522.64 |
| 88 | 2032-02 | 22091.57 | 1941.67 | 20149.90 | 675372.74 |
| 89 | 2032-03 | 22091.57 | 1885.42 | 20206.15 | 655166.59 |
| 90 | 2032-04 | 22091.57 | 1829.01 | 20262.56 | 634904.03 |
| 91 | 2032-05 | 22091.57 | 1772.44 | 20319.13 | 614584.90 |
| 92 | 2032-06 | 22091.57 | 1715.72 | 20375.85 | 594209.05 |
| 93 | 2032-07 | 22091.57 | 1658.83 | 20432.73 | 573776.32 |
| 94 | 2032-08 | 22091.57 | 1601.79 | 20489.77 | 553286.55 |
| 95 | 2032-09 | 22091.57 | 1544.59 | 20546.97 | 532739.57 |
| 96 | 2032-10 | 22091.57 | 1487.23 | 20604.33 | 512135.24 |
| 97 | 2032-11 | 22091.57 | 1429.71 | 20661.86 | 491473.38 |
| 98 | 2032-12 | 22091.57 | 1372.03 | 20719.54 | 470753.84 |
| 99 | 2033-01 | 22091.57 | 1314.19 | 20777.38 | 449976.47 |
| 100 | 2033-02 | 22091.57 | 1256.18 | 20835.38 | 429141.08 |
| 101 | 2033-03 | 22091.57 | 1198.02 | 20893.55 | 408247.54 |
| 102 | 2033-04 | 22091.57 | 1139.69 | 20951.88 | 387295.66 |
| 103 | 2033-05 | 22091.57 | 1081.20 | 21010.37 | 366285.30 |
| 104 | 2033-06 | 22091.57 | 1022.55 | 21069.02 | 345216.28 |
| 105 | 2033-07 | 22091.57 | 963.73 | 21127.84 | 324088.44 |
| 106 | 2033-08 | 22091.57 | 904.75 | 21186.82 | 302901.62 |
| 107 | 2033-09 | 22091.57 | 845.60 | 21245.97 | 281655.65 |
| 108 | 2033-10 | 22091.57 | 786.29 | 21305.28 | 260350.38 |
| 109 | 2033-11 | 22091.57 | 726.81 | 21364.75 | 238985.62 |
| 110 | 2033-12 | 22091.57 | 667.17 | 21424.40 | 217561.22 |
| 111 | 2034-01 | 22091.57 | 607.36 | 21484.21 | 196077.01 |
| 112 | 2034-02 | 22091.57 | 547.38 | 21544.18 | 174532.83 |
| 113 | 2034-03 | 22091.57 | 487.24 | 21604.33 | 152928.50 |
| 114 | 2034-04 | 22091.57 | 426.93 | 21664.64 | 131263.86 |
| 115 | 2034-05 | 22091.57 | 366.44 | 21725.12 | 109538.74 |
| 116 | 2034-06 | 22091.57 | 305.80 | 21785.77 | 87752.97 |
| 117 | 2034-07 | 22091.57 | 244.98 | 21846.59 | 65906.38 |
| 118 | 2034-08 | 22091.57 | 183.99 | 21907.58 | 43998.80 |
| 119 | 2034-09 | 22091.57 | 122.83 | 21968.74 | 22030.07 |
| 120 | 2034-10 | 22091.57 | 61.50 | 22030.07 | 0.00 |
还款方式二：等额本金
贷款总额：225万
还款月数：10年
首月还款：25031.25元
每月递减：52.34元
利息总额：38万
本息合计：263万
节省利息：20972.32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 | 25031.25 | 6281.25 | 18750.00 | 2231250.00 |
| 2 | 2024-12 | 24978.91 | 6228.91 | 18750.00 | 2212500.00 |
| 3 | 2025-01 | 24926.56 | 6176.56 | 18750.00 | 2193750.00 |
| 4 | 2025-02 | 24874.22 | 6124.22 | 18750.00 | 2175000.00 |
| 5 | 2025-03 | 24821.88 | 6071.88 | 18750.00 | 2156250.00 |
| 6 | 2025-04 | 24769.53 | 6019.53 | 18750.00 | 2137500.00 |
| 7 | 2025-05 | 24717.19 | 5967.19 | 18750.00 | 2118750.00 |
| 8 | 2025-06 | 24664.84 | 5914.84 | 18750.00 | 2100000.00 |
| 9 | 2025-07 | 24612.50 | 5862.50 | 18750.00 | 2081250.00 |
| 10 | 2025-08 | 24560.16 | 5810.16 | 18750.00 | 2062500.00 |
| 11 | 2025-09 | 24507.81 | 5757.81 | 18750.00 | 2043750.00 |
| 12 | 2025-10 | 24455.47 | 5705.47 | 18750.00 | 2025000.00 |
| 13 | 2025-11 | 24403.13 | 5653.13 | 18750.00 | 2006250.00 |
| 14 | 2025-12 | 24350.78 | 5600.78 | 18750.00 | 1987500.00 |
| 15 | 2026-01 | 24298.44 | 5548.44 | 18750.00 | 1968750.00 |
| 16 | 2026-02 | 24246.09 | 5496.09 | 18750.00 | 1950000.00 |
| 17 | 2026-03 | 24193.75 | 5443.75 | 18750.00 | 1931250.00 |
| 18 | 2026-04 | 24141.41 | 5391.41 | 18750.00 | 1912500.00 |
| 19 | 2026-05 | 24089.06 | 5339.06 | 18750.00 | 1893750.00 |
| 20 | 2026-06 | 24036.72 | 5286.72 | 18750.00 | 1875000.00 |
| 21 | 2026-07 | 23984.38 | 5234.38 | 18750.00 | 1856250.00 |
| 22 | 2026-08 | 23932.03 | 5182.03 | 18750.00 | 1837500.00 |
| 23 | 2026-09 | 23879.69 | 5129.69 | 18750.00 | 1818750.00 |
| 24 | 2026-10 | 23827.34 | 5077.34 | 18750.00 | 1800000.00 |
| 25 | 2026-11 | 23775.00 | 5025.00 | 18750.00 | 1781250.00 |
| 26 | 2026-12 | 23722.66 | 4972.66 | 18750.00 | 1762500.00 |
| 27 | 2027-01 | 23670.31 | 4920.31 | 18750.00 | 1743750.00 |
| 28 | 2027-02 | 23617.97 | 4867.97 | 18750.00 | 1725000.00 |
| 29 | 2027-03 | 23565.63 | 4815.63 | 18750.00 | 1706250.00 |
| 30 | 2027-04 | 23513.28 | 4763.28 | 18750.00 | 1687500.00 |
| 31 | 2027-05 | 23460.94 | 4710.94 | 18750.00 | 1668750.00 |
| 32 | 2027-06 | 23408.59 | 4658.59 | 18750.00 | 1650000.00 |
| 33 | 2027-07 | 23356.25 | 4606.25 | 18750.00 | 1631250.00 |
| 34 | 2027-08 | 23303.91 | 4553.91 | 18750.00 | 1612500.00 |
| 35 | 2027-09 | 23251.56 | 4501.56 | 18750.00 | 1593750.00 |
| 36 | 2027-10 | 23199.22 | 4449.22 | 18750.00 | 1575000.00 |
| 37 | 2027-11 | 23146.88 | 4396.88 | 18750.00 | 1556250.00 |
| 38 | 2027-12 | 23094.53 | 4344.53 | 18750.00 | 1537500.00 |
| 39 | 2028-01 | 23042.19 | 4292.19 | 18750.00 | 1518750.00 |
| 40 | 2028-02 | 22989.84 | 4239.84 | 18750.00 | 1500000.00 |
| 41 | 2028-03 | 22937.50 | 4187.50 | 18750.00 | 1481250.00 |
| 42 | 2028-04 | 22885.16 | 4135.16 | 18750.00 | 1462500.00 |
| 43 | 2028-05 | 22832.81 | 4082.81 | 18750.00 | 1443750.00 |
| 44 | 2028-06 | 22780.47 | 4030.47 | 18750.00 | 1425000.00 |
| 45 | 2028-07 | 22728.13 | 3978.13 | 18750.00 | 1406250.00 |
| 46 | 2028-08 | 22675.78 | 3925.78 | 18750.00 | 1387500.00 |
| 47 | 2028-09 | 22623.44 | 3873.44 | 18750.00 | 1368750.00 |
| 48 | 2028-10 | 22571.09 | 3821.09 | 18750.00 | 1350000.00 |
| 49 | 2028-11 | 22518.75 | 3768.75 | 18750.00 | 1331250.00 |
| 50 | 2028-12 | 22466.41 | 3716.41 | 18750.00 | 1312500.00 |
| 51 | 2029-01 | 22414.06 | 3664.06 | 18750.00 | 1293750.00 |
| 52 | 2029-02 | 22361.72 | 3611.72 | 18750.00 | 1275000.00 |
| 53 | 2029-03 | 22309.38 | 3559.38 | 18750.00 | 1256250.00 |
| 54 | 2029-04 | 22257.03 | 3507.03 | 18750.00 | 1237500.00 |
| 55 | 2029-05 | 22204.69 | 3454.69 | 18750.00 | 1218750.00 |
| 56 | 2029-06 | 22152.34 | 3402.34 | 18750.00 | 1200000.00 |
| 57 | 2029-07 | 22100.00 | 3350.00 | 18750.00 | 1181250.00 |
| 58 | 2029-08 | 22047.66 | 3297.66 | 18750.00 | 1162500.00 |
| 59 | 2029-09 | 21995.31 | 3245.31 | 18750.00 | 1143750.00 |
| 60 | 2029-10 | 21942.97 | 3192.97 | 18750.00 | 1125000.00 |
| 61 | 2029-11 | 21890.63 | 3140.63 | 18750.00 | 1106250.00 |
| 62 | 2029-12 | 21838.28 | 3088.28 | 18750.00 | 1087500.00 |
| 63 | 2030-01 | 21785.94 | 3035.94 | 18750.00 | 1068750.00 |
| 64 | 2030-02 | 21733.59 | 2983.59 | 18750.00 | 1050000.00 |
| 65 | 2030-03 | 21681.25 | 2931.25 | 18750.00 | 1031250.00 |
| 66 | 2030-04 | 21628.91 | 2878.91 | 18750.00 | 1012500.00 |
| 67 | 2030-05 | 21576.56 | 2826.56 | 18750.00 | 993750.00 |
| 68 | 2030-06 | 21524.22 | 2774.22 | 18750.00 | 975000.00 |
| 69 | 2030-07 | 21471.88 | 2721.88 | 18750.00 | 956250.00 |
| 70 | 2030-08 | 21419.53 | 2669.53 | 18750.00 | 937500.00 |
| 71 | 2030-09 | 21367.19 | 2617.19 | 18750.00 | 918750.00 |
| 72 | 2030-10 | 21314.84 | 2564.84 | 18750.00 | 900000.00 |
| 73 | 2030-11 | 21262.50 | 2512.50 | 18750.00 | 881250.00 |
| 74 | 2030-12 | 21210.16 | 2460.16 | 18750.00 | 862500.00 |
| 75 | 2031-01 | 21157.81 | 2407.81 | 18750.00 | 843750.00 |
| 76 | 2031-02 | 21105.47 | 2355.47 | 18750.00 | 825000.00 |
| 77 | 2031-03 | 21053.13 | 2303.13 | 18750.00 | 806250.00 |
| 78 | 2031-04 | 21000.78 | 2250.78 | 18750.00 | 787500.00 |
| 79 | 2031-05 | 20948.44 | 2198.44 | 18750.00 | 768750.00 |
| 80 | 2031-06 | 20896.09 | 2146.09 | 18750.00 | 750000.00 |
| 81 | 2031-07 | 20843.75 | 2093.75 | 18750.00 | 731250.00 |
| 82 | 2031-08 | 20791.41 | 2041.41 | 18750.00 | 712500.00 |
| 83 | 2031-09 | 20739.06 | 1989.06 | 18750.00 | 693750.00 |
| 84 | 2031-10 | 20686.72 | 1936.72 | 18750.00 | 675000.00 |
| 85 | 2031-11 | 20634.38 | 1884.38 | 18750.00 | 656250.00 |
| 86 | 2031-12 | 20582.03 | 1832.03 | 18750.00 | 637500.00 |
| 87 | 2032-01 | 20529.69 | 1779.69 | 18750.00 | 618750.00 |
| 88 | 2032-02 | 20477.34 | 1727.34 | 18750.00 | 600000.00 |
| 89 | 2032-03 | 20425.00 | 1675.00 | 18750.00 | 581250.00 |
| 90 | 2032-04 | 20372.66 | 1622.66 | 18750.00 | 562500.00 |
| 91 | 2032-05 | 20320.31 | 1570.31 | 18750.00 | 543750.00 |
| 92 | 2032-06 | 20267.97 | 1517.97 | 18750.00 | 525000.00 |
| 93 | 2032-07 | 20215.63 | 1465.63 | 18750.00 | 506250.00 |
| 94 | 2032-08 | 20163.28 | 1413.28 | 18750.00 | 487500.00 |
| 95 | 2032-09 | 20110.94 | 1360.94 | 18750.00 | 468750.00 |
| 96 | 2032-10 | 20058.59 | 1308.59 | 18750.00 | 450000.00 |
| 97 | 2032-11 | 20006.25 | 1256.25 | 18750.00 | 431250.00 |
| 98 | 2032-12 | 19953.91 | 1203.91 | 18750.00 | 412500.00 |
| 99 | 2033-01 | 19901.56 | 1151.56 | 18750.00 | 393750.00 |
| 100 | 2033-02 | 19849.22 | 1099.22 | 18750.00 | 375000.00 |
| 101 | 2033-03 | 19796.88 | 1046.88 | 18750.00 | 356250.00 |
| 102 | 2033-04 | 19744.53 | 994.53 | 18750.00 | 337500.00 |
| 103 | 2033-05 | 19692.19 | 942.19 | 18750.00 | 318750.00 |
| 104 | 2033-06 | 19639.84 | 889.84 | 18750.00 | 300000.00 |
| 105 | 2033-07 | 19587.50 | 837.50 | 18750.00 | 281250.00 |
| 106 | 2033-08 | 19535.16 | 785.16 | 18750.00 | 262500.00 |
| 107 | 2033-09 | 19482.81 | 732.81 | 18750.00 | 243750.00 |
| 108 | 2033-10 | 19430.47 | 680.47 | 18750.00 | 225000.00 |
| 109 | 2033-11 | 19378.13 | 628.13 | 18750.00 | 206250.00 |
| 110 | 2033-12 | 19325.78 | 575.78 | 18750.00 | 187500.00 |
| 111 | 2034-01 | 19273.44 | 523.44 | 18750.00 | 168750.00 |
| 112 | 2034-02 | 19221.09 | 471.09 | 18750.00 | 150000.00 |
| 113 | 2034-03 | 19168.75 | 418.75 | 18750.00 | 131250.00 |
| 114 | 2034-04 | 19116.41 | 366.41 | 18750.00 | 112500.00 |
| 115 | 2034-05 | 19064.06 | 314.06 | 18750.00 | 93750.00 |
| 116 | 2034-06 | 19011.72 | 261.72 | 18750.00 | 75000.00 |
| 117 | 2034-07 | 18959.38 | 209.38 | 18750.00 | 56250.00 |
| 118 | 2034-08 | 18907.03 | 157.03 | 18750.00 | 37500.00 |
| 119 | 2034-09 | 18854.69 | 104.69 | 18750.00 | 18750.00 |
| 120 | 2034-10 | 18802.34 | 52.34 | 18750.00 | 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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