贷款40万(商业贷款)的房贷,还款10年2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:40万
还款月数:10年2个月
每月还款:3976.79元
利息总额:8.52万
本息合计:48.52万
| 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 | 3976.79 | 1300.00 | 2676.79 | 397323.21 |
| 2 | 2024-12 | 3976.79 | 1291.30 | 2685.49 | 394637.73 |
| 3 | 2025-01 | 3976.79 | 1282.57 | 2694.21 | 391943.51 |
| 4 | 2025-02 | 3976.79 | 1273.82 | 2702.97 | 389240.54 |
| 5 | 2025-03 | 3976.79 | 1265.03 | 2711.75 | 386528.79 |
| 6 | 2025-04 | 3976.79 | 1256.22 | 2720.57 | 383808.22 |
| 7 | 2025-05 | 3976.79 | 1247.38 | 2729.41 | 381078.81 |
| 8 | 2025-06 | 3976.79 | 1238.51 | 2738.28 | 378340.53 |
| 9 | 2025-07 | 3976.79 | 1229.61 | 2747.18 | 375593.35 |
| 10 | 2025-08 | 3976.79 | 1220.68 | 2756.11 | 372837.24 |
| 11 | 2025-09 | 3976.79 | 1211.72 | 2765.07 | 370072.18 |
| 12 | 2025-10 | 3976.79 | 1202.73 | 2774.05 | 367298.13 |
| 13 | 2025-11 | 3976.79 | 1193.72 | 2783.07 | 364515.06 |
| 14 | 2025-12 | 3976.79 | 1184.67 | 2792.11 | 361722.95 |
| 15 | 2026-01 | 3976.79 | 1175.60 | 2801.19 | 358921.76 |
| 16 | 2026-02 | 3976.79 | 1166.50 | 2810.29 | 356111.47 |
| 17 | 2026-03 | 3976.79 | 1157.36 | 2819.42 | 353292.04 |
| 18 | 2026-04 | 3976.79 | 1148.20 | 2828.59 | 350463.46 |
| 19 | 2026-05 | 3976.79 | 1139.01 | 2837.78 | 347625.68 |
| 20 | 2026-06 | 3976.79 | 1129.78 | 2847.00 | 344778.67 |
| 21 | 2026-07 | 3976.79 | 1120.53 | 2856.26 | 341922.42 |
| 22 | 2026-08 | 3976.79 | 1111.25 | 2865.54 | 339056.88 |
| 23 | 2026-09 | 3976.79 | 1101.93 | 2874.85 | 336182.03 |
| 24 | 2026-10 | 3976.79 | 1092.59 | 2884.19 | 333297.83 |
| 25 | 2026-11 | 3976.79 | 1083.22 | 2893.57 | 330404.26 |
| 26 | 2026-12 | 3976.79 | 1073.81 | 2902.97 | 327501.29 |
| 27 | 2027-01 | 3976.79 | 1064.38 | 2912.41 | 324588.88 |
| 28 | 2027-02 | 3976.79 | 1054.91 | 2921.87 | 321667.01 |
| 29 | 2027-03 | 3976.79 | 1045.42 | 2931.37 | 318735.64 |
| 30 | 2027-04 | 3976.79 | 1035.89 | 2940.90 | 315794.75 |
| 31 | 2027-05 | 3976.79 | 1026.33 | 2950.45 | 312844.29 |
| 32 | 2027-06 | 3976.79 | 1016.74 | 2960.04 | 309884.25 |
| 33 | 2027-07 | 3976.79 | 1007.12 | 2969.66 | 306914.59 |
| 34 | 2027-08 | 3976.79 | 997.47 | 2979.31 | 303935.28 |
| 35 | 2027-09 | 3976.79 | 987.79 | 2989.00 | 300946.28 |
| 36 | 2027-10 | 3976.79 | 978.08 | 2998.71 | 297947.57 |
| 37 | 2027-11 | 3976.79 | 968.33 | 3008.46 | 294939.11 |
| 38 | 2027-12 | 3976.79 | 958.55 | 3018.23 | 291920.88 |
| 39 | 2028-01 | 3976.79 | 948.74 | 3028.04 | 288892.83 |
| 40 | 2028-02 | 3976.79 | 938.90 | 3037.88 | 285854.95 |
| 41 | 2028-03 | 3976.79 | 929.03 | 3047.76 | 282807.19 |
| 42 | 2028-04 | 3976.79 | 919.12 | 3057.66 | 279749.53 |
| 43 | 2028-05 | 3976.79 | 909.19 | 3067.60 | 276681.93 |
| 44 | 2028-06 | 3976.79 | 899.22 | 3077.57 | 273604.36 |
| 45 | 2028-07 | 3976.79 | 889.21 | 3087.57 | 270516.78 |
| 46 | 2028-08 | 3976.79 | 879.18 | 3097.61 | 267419.18 |
| 47 | 2028-09 | 3976.79 | 869.11 | 3107.67 | 264311.50 |
| 48 | 2028-10 | 3976.79 | 859.01 | 3117.77 | 261193.73 |
| 49 | 2028-11 | 3976.79 | 848.88 | 3127.91 | 258065.82 |
| 50 | 2028-12 | 3976.79 | 838.71 | 3138.07 | 254927.75 |
| 51 | 2029-01 | 3976.79 | 828.52 | 3148.27 | 251779.48 |
| 52 | 2029-02 | 3976.79 | 818.28 | 3158.50 | 248620.98 |
| 53 | 2029-03 | 3976.79 | 808.02 | 3168.77 | 245452.21 |
| 54 | 2029-04 | 3976.79 | 797.72 | 3179.07 | 242273.14 |
| 55 | 2029-05 | 3976.79 | 787.39 | 3189.40 | 239083.74 |
| 56 | 2029-06 | 3976.79 | 777.02 | 3199.76 | 235883.98 |
| 57 | 2029-07 | 3976.79 | 766.62 | 3210.16 | 232673.81 |
| 58 | 2029-08 | 3976.79 | 756.19 | 3220.60 | 229453.22 |
| 59 | 2029-09 | 3976.79 | 745.72 | 3231.06 | 226222.15 |
| 60 | 2029-10 | 3976.79 | 735.22 | 3241.56 | 222980.59 |
| 61 | 2029-11 | 3976.79 | 724.69 | 3252.10 | 219728.49 |
| 62 | 2029-12 | 3976.79 | 714.12 | 3262.67 | 216465.82 |
| 63 | 2030-01 | 3976.79 | 703.51 | 3273.27 | 213192.55 |
| 64 | 2030-02 | 3976.79 | 692.88 | 3283.91 | 209908.64 |
| 65 | 2030-03 | 3976.79 | 682.20 | 3294.58 | 206614.05 |
| 66 | 2030-04 | 3976.79 | 671.50 | 3305.29 | 203308.76 |
| 67 | 2030-05 | 3976.79 | 660.75 | 3316.03 | 199992.73 |
| 68 | 2030-06 | 3976.79 | 649.98 | 3326.81 | 196665.92 |
| 69 | 2030-07 | 3976.79 | 639.16 | 3337.62 | 193328.30 |
| 70 | 2030-08 | 3976.79 | 628.32 | 3348.47 | 189979.83 |
| 71 | 2030-09 | 3976.79 | 617.43 | 3359.35 | 186620.48 |
| 72 | 2030-10 | 3976.79 | 606.52 | 3370.27 | 183250.21 |
| 73 | 2030-11 | 3976.79 | 595.56 | 3381.22 | 179868.98 |
| 74 | 2030-12 | 3976.79 | 584.57 | 3392.21 | 176476.77 |
| 75 | 2031-01 | 3976.79 | 573.55 | 3403.24 | 173073.53 |
| 76 | 2031-02 | 3976.79 | 562.49 | 3414.30 | 169659.24 |
| 77 | 2031-03 | 3976.79 | 551.39 | 3425.39 | 166233.84 |
| 78 | 2031-04 | 3976.79 | 540.26 | 3436.53 | 162797.32 |
| 79 | 2031-05 | 3976.79 | 529.09 | 3447.70 | 159349.62 |
| 80 | 2031-06 | 3976.79 | 517.89 | 3458.90 | 155890.72 |
| 81 | 2031-07 | 3976.79 | 506.64 | 3470.14 | 152420.58 |
| 82 | 2031-08 | 3976.79 | 495.37 | 3481.42 | 148939.16 |
| 83 | 2031-09 | 3976.79 | 484.05 | 3492.73 | 145446.43 |
| 84 | 2031-10 | 3976.79 | 472.70 | 3504.09 | 141942.34 |
| 85 | 2031-11 | 3976.79 | 461.31 | 3515.47 | 138426.87 |
| 86 | 2031-12 | 3976.79 | 449.89 | 3526.90 | 134899.97 |
| 87 | 2032-01 | 3976.79 | 438.42 | 3538.36 | 131361.61 |
| 88 | 2032-02 | 3976.79 | 426.93 | 3549.86 | 127811.74 |
| 89 | 2032-03 | 3976.79 | 415.39 | 3561.40 | 124250.35 |
| 90 | 2032-04 | 3976.79 | 403.81 | 3572.97 | 120677.37 |
| 91 | 2032-05 | 3976.79 | 392.20 | 3584.58 | 117092.79 |
| 92 | 2032-06 | 3976.79 | 380.55 | 3596.23 | 113496.55 |
| 93 | 2032-07 | 3976.79 | 368.86 | 3607.92 | 109888.63 |
| 94 | 2032-08 | 3976.79 | 357.14 | 3619.65 | 106268.98 |
| 95 | 2032-09 | 3976.79 | 345.37 | 3631.41 | 102637.57 |
| 96 | 2032-10 | 3976.79 | 333.57 | 3643.21 | 98994.36 |
| 97 | 2032-11 | 3976.79 | 321.73 | 3655.05 | 95339.30 |
| 98 | 2032-12 | 3976.79 | 309.85 | 3666.93 | 91672.37 |
| 99 | 2033-01 | 3976.79 | 297.94 | 3678.85 | 87993.52 |
| 100 | 2033-02 | 3976.79 | 285.98 | 3690.81 | 84302.71 |
| 101 | 2033-03 | 3976.79 | 273.98 | 3702.80 | 80599.91 |
| 102 | 2033-04 | 3976.79 | 261.95 | 3714.84 | 76885.07 |
| 103 | 2033-05 | 3976.79 | 249.88 | 3726.91 | 73158.16 |
| 104 | 2033-06 | 3976.79 | 237.76 | 3739.02 | 69419.14 |
| 105 | 2033-07 | 3976.79 | 225.61 | 3751.17 | 65667.96 |
| 106 | 2033-08 | 3976.79 | 213.42 | 3763.37 | 61904.60 |
| 107 | 2033-09 | 3976.79 | 201.19 | 3775.60 | 58129.00 |
| 108 | 2033-10 | 3976.79 | 188.92 | 3787.87 | 54341.13 |
| 109 | 2033-11 | 3976.79 | 176.61 | 3800.18 | 50540.96 |
| 110 | 2033-12 | 3976.79 | 164.26 | 3812.53 | 46728.43 |
| 111 | 2034-01 | 3976.79 | 151.87 | 3824.92 | 42903.51 |
| 112 | 2034-02 | 3976.79 | 139.44 | 3837.35 | 39066.16 |
| 113 | 2034-03 | 3976.79 | 126.97 | 3849.82 | 35216.34 |
| 114 | 2034-04 | 3976.79 | 114.45 | 3862.33 | 31354.00 |
| 115 | 2034-05 | 3976.79 | 101.90 | 3874.89 | 27479.12 |
| 116 | 2034-06 | 3976.79 | 89.31 | 3887.48 | 23591.64 |
| 117 | 2034-07 | 3976.79 | 76.67 | 3900.11 | 19691.52 |
| 118 | 2034-08 | 3976.79 | 64.00 | 3912.79 | 15778.74 |
| 119 | 2034-09 | 3976.79 | 51.28 | 3925.51 | 11853.23 |
| 120 | 2034-10 | 3976.79 | 38.52 | 3938.26 | 7914.97 |
| 121 | 2034-11 | 3976.79 | 25.72 | 3951.06 | 3963.90 |
| 122 | 2034-12 | 3976.79 | 12.88 | 3963.90 | 0.00 |
还款方式二:等额本金
贷款总额:40万
还款月数:10年2个月
首月还款:4578.69元
每月递减:10.66元
利息总额:8万
本息合计:48万
节省利息:5217.95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 | 4578.69 | 1300.00 | 3278.69 | 396721.31 |
| 2 | 2024-12 | 4568.03 | 1289.34 | 3278.69 | 393442.62 |
| 3 | 2025-01 | 4557.38 | 1278.69 | 3278.69 | 390163.93 |
| 4 | 2025-02 | 4546.72 | 1268.03 | 3278.69 | 386885.25 |
| 5 | 2025-03 | 4536.07 | 1257.38 | 3278.69 | 383606.56 |
| 6 | 2025-04 | 4525.41 | 1246.72 | 3278.69 | 380327.87 |
| 7 | 2025-05 | 4514.75 | 1236.07 | 3278.69 | 377049.18 |
| 8 | 2025-06 | 4504.10 | 1225.41 | 3278.69 | 373770.49 |
| 9 | 2025-07 | 4493.44 | 1214.75 | 3278.69 | 370491.80 |
| 10 | 2025-08 | 4482.79 | 1204.10 | 3278.69 | 367213.11 |
| 11 | 2025-09 | 4472.13 | 1193.44 | 3278.69 | 363934.43 |
| 12 | 2025-10 | 4461.48 | 1182.79 | 3278.69 | 360655.74 |
| 13 | 2025-11 | 4450.82 | 1172.13 | 3278.69 | 357377.05 |
| 14 | 2025-12 | 4440.16 | 1161.48 | 3278.69 | 354098.36 |
| 15 | 2026-01 | 4429.51 | 1150.82 | 3278.69 | 350819.67 |
| 16 | 2026-02 | 4418.85 | 1140.16 | 3278.69 | 347540.98 |
| 17 | 2026-03 | 4408.20 | 1129.51 | 3278.69 | 344262.30 |
| 18 | 2026-04 | 4397.54 | 1118.85 | 3278.69 | 340983.61 |
| 19 | 2026-05 | 4386.89 | 1108.20 | 3278.69 | 337704.92 |
| 20 | 2026-06 | 4376.23 | 1097.54 | 3278.69 | 334426.23 |
| 21 | 2026-07 | 4365.57 | 1086.89 | 3278.69 | 331147.54 |
| 22 | 2026-08 | 4354.92 | 1076.23 | 3278.69 | 327868.85 |
| 23 | 2026-09 | 4344.26 | 1065.57 | 3278.69 | 324590.16 |
| 24 | 2026-10 | 4333.61 | 1054.92 | 3278.69 | 321311.48 |
| 25 | 2026-11 | 4322.95 | 1044.26 | 3278.69 | 318032.79 |
| 26 | 2026-12 | 4312.30 | 1033.61 | 3278.69 | 314754.10 |
| 27 | 2027-01 | 4301.64 | 1022.95 | 3278.69 | 311475.41 |
| 28 | 2027-02 | 4290.98 | 1012.30 | 3278.69 | 308196.72 |
| 29 | 2027-03 | 4280.33 | 1001.64 | 3278.69 | 304918.03 |
| 30 | 2027-04 | 4269.67 | 990.98 | 3278.69 | 301639.34 |
| 31 | 2027-05 | 4259.02 | 980.33 | 3278.69 | 298360.66 |
| 32 | 2027-06 | 4248.36 | 969.67 | 3278.69 | 295081.97 |
| 33 | 2027-07 | 4237.70 | 959.02 | 3278.69 | 291803.28 |
| 34 | 2027-08 | 4227.05 | 948.36 | 3278.69 | 288524.59 |
| 35 | 2027-09 | 4216.39 | 937.70 | 3278.69 | 285245.90 |
| 36 | 2027-10 | 4205.74 | 927.05 | 3278.69 | 281967.21 |
| 37 | 2027-11 | 4195.08 | 916.39 | 3278.69 | 278688.52 |
| 38 | 2027-12 | 4184.43 | 905.74 | 3278.69 | 275409.84 |
| 39 | 2028-01 | 4173.77 | 895.08 | 3278.69 | 272131.15 |
| 40 | 2028-02 | 4163.11 | 884.43 | 3278.69 | 268852.46 |
| 41 | 2028-03 | 4152.46 | 873.77 | 3278.69 | 265573.77 |
| 42 | 2028-04 | 4141.80 | 863.11 | 3278.69 | 262295.08 |
| 43 | 2028-05 | 4131.15 | 852.46 | 3278.69 | 259016.39 |
| 44 | 2028-06 | 4120.49 | 841.80 | 3278.69 | 255737.70 |
| 45 | 2028-07 | 4109.84 | 831.15 | 3278.69 | 252459.02 |
| 46 | 2028-08 | 4099.18 | 820.49 | 3278.69 | 249180.33 |
| 47 | 2028-09 | 4088.52 | 809.84 | 3278.69 | 245901.64 |
| 48 | 2028-10 | 4077.87 | 799.18 | 3278.69 | 242622.95 |
| 49 | 2028-11 | 4067.21 | 788.52 | 3278.69 | 239344.26 |
| 50 | 2028-12 | 4056.56 | 777.87 | 3278.69 | 236065.57 |
| 51 | 2029-01 | 4045.90 | 767.21 | 3278.69 | 232786.89 |
| 52 | 2029-02 | 4035.25 | 756.56 | 3278.69 | 229508.20 |
| 53 | 2029-03 | 4024.59 | 745.90 | 3278.69 | 226229.51 |
| 54 | 2029-04 | 4013.93 | 735.25 | 3278.69 | 222950.82 |
| 55 | 2029-05 | 4003.28 | 724.59 | 3278.69 | 219672.13 |
| 56 | 2029-06 | 3992.62 | 713.93 | 3278.69 | 216393.44 |
| 57 | 2029-07 | 3981.97 | 703.28 | 3278.69 | 213114.75 |
| 58 | 2029-08 | 3971.31 | 692.62 | 3278.69 | 209836.07 |
| 59 | 2029-09 | 3960.66 | 681.97 | 3278.69 | 206557.38 |
| 60 | 2029-10 | 3950.00 | 671.31 | 3278.69 | 203278.69 |
| 61 | 2029-11 | 3939.34 | 660.66 | 3278.69 | 200000.00 |
| 62 | 2029-12 | 3928.69 | 650.00 | 3278.69 | 196721.31 |
| 63 | 2030-01 | 3918.03 | 639.34 | 3278.69 | 193442.62 |
| 64 | 2030-02 | 3907.38 | 628.69 | 3278.69 | 190163.93 |
| 65 | 2030-03 | 3896.72 | 618.03 | 3278.69 | 186885.25 |
| 66 | 2030-04 | 3886.07 | 607.38 | 3278.69 | 183606.56 |
| 67 | 2030-05 | 3875.41 | 596.72 | 3278.69 | 180327.87 |
| 68 | 2030-06 | 3864.75 | 586.07 | 3278.69 | 177049.18 |
| 69 | 2030-07 | 3854.10 | 575.41 | 3278.69 | 173770.49 |
| 70 | 2030-08 | 3843.44 | 564.75 | 3278.69 | 170491.80 |
| 71 | 2030-09 | 3832.79 | 554.10 | 3278.69 | 167213.11 |
| 72 | 2030-10 | 3822.13 | 543.44 | 3278.69 | 163934.43 |
| 73 | 2030-11 | 3811.48 | 532.79 | 3278.69 | 160655.74 |
| 74 | 2030-12 | 3800.82 | 522.13 | 3278.69 | 157377.05 |
| 75 | 2031-01 | 3790.16 | 511.48 | 3278.69 | 154098.36 |
| 76 | 2031-02 | 3779.51 | 500.82 | 3278.69 | 150819.67 |
| 77 | 2031-03 | 3768.85 | 490.16 | 3278.69 | 147540.98 |
| 78 | 2031-04 | 3758.20 | 479.51 | 3278.69 | 144262.30 |
| 79 | 2031-05 | 3747.54 | 468.85 | 3278.69 | 140983.61 |
| 80 | 2031-06 | 3736.89 | 458.20 | 3278.69 | 137704.92 |
| 81 | 2031-07 | 3726.23 | 447.54 | 3278.69 | 134426.23 |
| 82 | 2031-08 | 3715.57 | 436.89 | 3278.69 | 131147.54 |
| 83 | 2031-09 | 3704.92 | 426.23 | 3278.69 | 127868.85 |
| 84 | 2031-10 | 3694.26 | 415.57 | 3278.69 | 124590.16 |
| 85 | 2031-11 | 3683.61 | 404.92 | 3278.69 | 121311.48 |
| 86 | 2031-12 | 3672.95 | 394.26 | 3278.69 | 118032.79 |
| 87 | 2032-01 | 3662.30 | 383.61 | 3278.69 | 114754.10 |
| 88 | 2032-02 | 3651.64 | 372.95 | 3278.69 | 111475.41 |
| 89 | 2032-03 | 3640.98 | 362.30 | 3278.69 | 108196.72 |
| 90 | 2032-04 | 3630.33 | 351.64 | 3278.69 | 104918.03 |
| 91 | 2032-05 | 3619.67 | 340.98 | 3278.69 | 101639.34 |
| 92 | 2032-06 | 3609.02 | 330.33 | 3278.69 | 98360.66 |
| 93 | 2032-07 | 3598.36 | 319.67 | 3278.69 | 95081.97 |
| 94 | 2032-08 | 3587.70 | 309.02 | 3278.69 | 91803.28 |
| 95 | 2032-09 | 3577.05 | 298.36 | 3278.69 | 88524.59 |
| 96 | 2032-10 | 3566.39 | 287.70 | 3278.69 | 85245.90 |
| 97 | 2032-11 | 3555.74 | 277.05 | 3278.69 | 81967.21 |
| 98 | 2032-12 | 3545.08 | 266.39 | 3278.69 | 78688.52 |
| 99 | 2033-01 | 3534.43 | 255.74 | 3278.69 | 75409.84 |
| 100 | 2033-02 | 3523.77 | 245.08 | 3278.69 | 72131.15 |
| 101 | 2033-03 | 3513.11 | 234.43 | 3278.69 | 68852.46 |
| 102 | 2033-04 | 3502.46 | 223.77 | 3278.69 | 65573.77 |
| 103 | 2033-05 | 3491.80 | 213.11 | 3278.69 | 62295.08 |
| 104 | 2033-06 | 3481.15 | 202.46 | 3278.69 | 59016.39 |
| 105 | 2033-07 | 3470.49 | 191.80 | 3278.69 | 55737.70 |
| 106 | 2033-08 | 3459.84 | 181.15 | 3278.69 | 52459.02 |
| 107 | 2033-09 | 3449.18 | 170.49 | 3278.69 | 49180.33 |
| 108 | 2033-10 | 3438.52 | 159.84 | 3278.69 | 45901.64 |
| 109 | 2033-11 | 3427.87 | 149.18 | 3278.69 | 42622.95 |
| 110 | 2033-12 | 3417.21 | 138.52 | 3278.69 | 39344.26 |
| 111 | 2034-01 | 3406.56 | 127.87 | 3278.69 | 36065.57 |
| 112 | 2034-02 | 3395.90 | 117.21 | 3278.69 | 32786.89 |
| 113 | 2034-03 | 3385.25 | 106.56 | 3278.69 | 29508.20 |
| 114 | 2034-04 | 3374.59 | 95.90 | 3278.69 | 26229.51 |
| 115 | 2034-05 | 3363.93 | 85.25 | 3278.69 | 22950.82 |
| 116 | 2034-06 | 3353.28 | 74.59 | 3278.69 | 19672.13 |
| 117 | 2034-07 | 3342.62 | 63.93 | 3278.69 | 16393.44 |
| 118 | 2034-08 | 3331.97 | 53.28 | 3278.69 | 13114.75 |
| 119 | 2034-09 | 3321.31 | 42.62 | 3278.69 | 9836.07 |
| 120 | 2034-10 | 3310.66 | 31.97 | 3278.69 | 6557.38 |
| 121 | 2034-11 | 3300.00 | 21.31 | 3278.69 | 3278.69 |
| 122 | 2034-12 | 3289.34 | 10.66 | 3278.69 | 0.00 |
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采用2025年11月29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29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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