贷款165万（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：165万
还款月数：10年
每月还款：16200.48元
利息总额：29.41万
本息合计：194.41万
| 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 | 16200.48 | 4606.25 | 11594.23 | 1638405.77 |
| 2 | 2024-12 | 16200.48 | 4573.88 | 11626.60 | 1626779.17 |
| 3 | 2025-01 | 16200.48 | 4541.43 | 11659.06 | 1615120.11 |
| 4 | 2025-02 | 16200.48 | 4508.88 | 11691.60 | 1603428.51 |
| 5 | 2025-03 | 16200.48 | 4476.24 | 11724.24 | 1591704.26 |
| 6 | 2025-04 | 16200.48 | 4443.51 | 11756.97 | 1579947.29 |
| 7 | 2025-05 | 16200.48 | 4410.69 | 11789.80 | 1568157.49 |
| 8 | 2025-06 | 16200.48 | 4377.77 | 11822.71 | 1556334.78 |
| 9 | 2025-07 | 16200.48 | 4344.77 | 11855.71 | 1544479.07 |
| 10 | 2025-08 | 16200.48 | 4311.67 | 11888.81 | 1532590.26 |
| 11 | 2025-09 | 16200.48 | 4278.48 | 11922.00 | 1520668.26 |
| 12 | 2025-10 | 16200.48 | 4245.20 | 11955.28 | 1508712.98 |
| 13 | 2025-11 | 16200.48 | 4211.82 | 11988.66 | 1496724.32 |
| 14 | 2025-12 | 16200.48 | 4178.36 | 12022.13 | 1484702.19 |
| 15 | 2026-01 | 16200.48 | 4144.79 | 12055.69 | 1472646.50 |
| 16 | 2026-02 | 16200.48 | 4111.14 | 12089.34 | 1460557.16 |
| 17 | 2026-03 | 16200.48 | 4077.39 | 12123.09 | 1448434.07 |
| 18 | 2026-04 | 16200.48 | 4043.55 | 12156.94 | 1436277.13 |
| 19 | 2026-05 | 16200.48 | 4009.61 | 12190.87 | 1424086.25 |
| 20 | 2026-06 | 16200.48 | 3975.57 | 12224.91 | 1411861.35 |
| 21 | 2026-07 | 16200.48 | 3941.45 | 12259.04 | 1399602.31 |
| 22 | 2026-08 | 16200.48 | 3907.22 | 12293.26 | 1387309.05 |
| 23 | 2026-09 | 16200.48 | 3872.90 | 12327.58 | 1374981.47 |
| 24 | 2026-10 | 16200.48 | 3838.49 | 12361.99 | 1362619.48 |
| 25 | 2026-11 | 16200.48 | 3803.98 | 12396.50 | 1350222.98 |
| 26 | 2026-12 | 16200.48 | 3769.37 | 12431.11 | 1337791.87 |
| 27 | 2027-01 | 16200.48 | 3734.67 | 12465.81 | 1325326.06 |
| 28 | 2027-02 | 16200.48 | 3699.87 | 12500.61 | 1312825.44 |
| 29 | 2027-03 | 16200.48 | 3664.97 | 12535.51 | 1300289.93 |
| 30 | 2027-04 | 16200.48 | 3629.98 | 12570.51 | 1287719.43 |
| 31 | 2027-05 | 16200.48 | 3594.88 | 12605.60 | 1275113.83 |
| 32 | 2027-06 | 16200.48 | 3559.69 | 12640.79 | 1262473.04 |
| 33 | 2027-07 | 16200.48 | 3524.40 | 12676.08 | 1249796.96 |
| 34 | 2027-08 | 16200.48 | 3489.02 | 12711.47 | 1237085.50 |
| 35 | 2027-09 | 16200.48 | 3453.53 | 12746.95 | 1224338.55 |
| 36 | 2027-10 | 16200.48 | 3417.95 | 12782.54 | 1211556.01 |
| 37 | 2027-11 | 16200.48 | 3382.26 | 12818.22 | 1198737.79 |
| 38 | 2027-12 | 16200.48 | 3346.48 | 12854.01 | 1185883.78 |
| 39 | 2028-01 | 16200.48 | 3310.59 | 12889.89 | 1172993.89 |
| 40 | 2028-02 | 16200.48 | 3274.61 | 12925.87 | 1160068.02 |
| 41 | 2028-03 | 16200.48 | 3238.52 | 12961.96 | 1147106.06 |
| 42 | 2028-04 | 16200.48 | 3202.34 | 12998.14 | 1134107.91 |
| 43 | 2028-05 | 16200.48 | 3166.05 | 13034.43 | 1121073.48 |
| 44 | 2028-06 | 16200.48 | 3129.66 | 13070.82 | 1108002.67 |
| 45 | 2028-07 | 16200.48 | 3093.17 | 13107.31 | 1094895.36 |
| 46 | 2028-08 | 16200.48 | 3056.58 | 13143.90 | 1081751.46 |
| 47 | 2028-09 | 16200.48 | 3019.89 | 13180.59 | 1068570.87 |
| 48 | 2028-10 | 16200.48 | 2983.09 | 13217.39 | 1055353.48 |
| 49 | 2028-11 | 16200.48 | 2946.20 | 13254.29 | 1042099.19 |
| 50 | 2028-12 | 16200.48 | 2909.19 | 13291.29 | 1028807.90 |
| 51 | 2029-01 | 16200.48 | 2872.09 | 13328.39 | 1015479.51 |
| 52 | 2029-02 | 16200.48 | 2834.88 | 13365.60 | 1002113.91 |
| 53 | 2029-03 | 16200.48 | 2797.57 | 13402.91 | 988710.99 |
| 54 | 2029-04 | 16200.48 | 2760.15 | 13440.33 | 975270.66 |
| 55 | 2029-05 | 16200.48 | 2722.63 | 13477.85 | 961792.81 |
| 56 | 2029-06 | 16200.48 | 2685.00 | 13515.48 | 948277.34 |
| 57 | 2029-07 | 16200.48 | 2647.27 | 13553.21 | 934724.13 |
| 58 | 2029-08 | 16200.48 | 2609.44 | 13591.04 | 921133.08 |
| 59 | 2029-09 | 16200.48 | 2571.50 | 13628.99 | 907504.10 |
| 60 | 2029-10 | 16200.48 | 2533.45 | 13667.03 | 893837.07 |
| 61 | 2029-11 | 16200.48 | 2495.30 | 13705.19 | 880131.88 |
| 62 | 2029-12 | 16200.48 | 2457.03 | 13743.45 | 866388.43 |
| 63 | 2030-01 | 16200.48 | 2418.67 | 13781.81 | 852606.62 |
| 64 | 2030-02 | 16200.48 | 2380.19 | 13820.29 | 838786.33 |
| 65 | 2030-03 | 16200.48 | 2341.61 | 13858.87 | 824927.46 |
| 66 | 2030-04 | 16200.48 | 2302.92 | 13897.56 | 811029.90 |
| 67 | 2030-05 | 16200.48 | 2264.13 | 13936.36 | 797093.54 |
| 68 | 2030-06 | 16200.48 | 2225.22 | 13975.26 | 783118.28 |
| 69 | 2030-07 | 16200.48 | 2186.21 | 14014.28 | 769104.00 |
| 70 | 2030-08 | 16200.48 | 2147.08 | 14053.40 | 755050.60 |
| 71 | 2030-09 | 16200.48 | 2107.85 | 14092.63 | 740957.97 |
| 72 | 2030-10 | 16200.48 | 2068.51 | 14131.97 | 726826.00 |
| 73 | 2030-11 | 16200.48 | 2029.06 | 14171.43 | 712654.57 |
| 74 | 2030-12 | 16200.48 | 1989.49 | 14210.99 | 698443.58 |
| 75 | 2031-01 | 16200.48 | 1949.82 | 14250.66 | 684192.92 |
| 76 | 2031-02 | 16200.48 | 1910.04 | 14290.44 | 669902.48 |
| 77 | 2031-03 | 16200.48 | 1870.14 | 14330.34 | 655572.14 |
| 78 | 2031-04 | 16200.48 | 1830.14 | 14370.34 | 641201.80 |
| 79 | 2031-05 | 16200.48 | 1790.02 | 14410.46 | 626791.34 |
| 80 | 2031-06 | 16200.48 | 1749.79 | 14450.69 | 612340.65 |
| 81 | 2031-07 | 16200.48 | 1709.45 | 14491.03 | 597849.62 |
| 82 | 2031-08 | 16200.48 | 1669.00 | 14531.49 | 583318.13 |
| 83 | 2031-09 | 16200.48 | 1628.43 | 14572.05 | 568746.08 |
| 84 | 2031-10 | 16200.48 | 1587.75 | 14612.73 | 554133.35 |
| 85 | 2031-11 | 16200.48 | 1546.96 | 14653.53 | 539479.82 |
| 86 | 2031-12 | 16200.48 | 1506.05 | 14694.43 | 524785.39 |
| 87 | 2032-01 | 16200.48 | 1465.03 | 14735.46 | 510049.93 |
| 88 | 2032-02 | 16200.48 | 1423.89 | 14776.59 | 495273.34 |
| 89 | 2032-03 | 16200.48 | 1382.64 | 14817.84 | 480455.50 |
| 90 | 2032-04 | 16200.48 | 1341.27 | 14859.21 | 465596.29 |
| 91 | 2032-05 | 16200.48 | 1299.79 | 14900.69 | 450695.59 |
| 92 | 2032-06 | 16200.48 | 1258.19 | 14942.29 | 435753.30 |
| 93 | 2032-07 | 16200.48 | 1216.48 | 14984.00 | 420769.30 |
| 94 | 2032-08 | 16200.48 | 1174.65 | 15025.83 | 405743.47 |
| 95 | 2032-09 | 16200.48 | 1132.70 | 15067.78 | 390675.69 |
| 96 | 2032-10 | 16200.48 | 1090.64 | 15109.85 | 375565.84 |
| 97 | 2032-11 | 16200.48 | 1048.45 | 15152.03 | 360413.81 |
| 98 | 2032-12 | 16200.48 | 1006.16 | 15194.33 | 345219.49 |
| 99 | 2033-01 | 16200.48 | 963.74 | 15236.74 | 329982.74 |
| 100 | 2033-02 | 16200.48 | 921.20 | 15279.28 | 314703.46 |
| 101 | 2033-03 | 16200.48 | 878.55 | 15321.93 | 299381.53 |
| 102 | 2033-04 | 16200.48 | 835.77 | 15364.71 | 284016.82 |
| 103 | 2033-05 | 16200.48 | 792.88 | 15407.60 | 268609.22 |
| 104 | 2033-06 | 16200.48 | 749.87 | 15450.61 | 253158.60 |
| 105 | 2033-07 | 16200.48 | 706.73 | 15493.75 | 237664.85 |
| 106 | 2033-08 | 16200.48 | 663.48 | 15537.00 | 222127.85 |
| 107 | 2033-09 | 16200.48 | 620.11 | 15580.37 | 206547.48 |
| 108 | 2033-10 | 16200.48 | 576.61 | 15623.87 | 190923.61 |
| 109 | 2033-11 | 16200.48 | 533.00 | 15667.49 | 175256.12 |
| 110 | 2033-12 | 16200.48 | 489.26 | 15711.23 | 159544.90 |
| 111 | 2034-01 | 16200.48 | 445.40 | 15755.09 | 143789.81 |
| 112 | 2034-02 | 16200.48 | 401.41 | 15799.07 | 127990.74 |
| 113 | 2034-03 | 16200.48 | 357.31 | 15843.17 | 112147.57 |
| 114 | 2034-04 | 16200.48 | 313.08 | 15887.40 | 96260.16 |
| 115 | 2034-05 | 16200.48 | 268.73 | 15931.76 | 80328.41 |
| 116 | 2034-06 | 16200.48 | 224.25 | 15976.23 | 64352.18 |
| 117 | 2034-07 | 16200.48 | 179.65 | 16020.83 | 48331.34 |
| 118 | 2034-08 | 16200.48 | 134.93 | 16065.56 | 32265.79 |
| 119 | 2034-09 | 16200.48 | 90.08 | 16110.41 | 16155.38 |
| 120 | 2034-10 | 16200.48 | 45.10 | 16155.38 | 0.00 |
还款方式二：等额本金
贷款总额：165万
还款月数：10年
首月还款：18356.25元
每月递减：38.39元
利息总额：27.87万
本息合计：192.87万
节省利息：15379.7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 | 18356.25 | 4606.25 | 13750.00 | 1636250.00 |
| 2 | 2024-12 | 18317.86 | 4567.86 | 13750.00 | 1622500.00 |
| 3 | 2025-01 | 18279.48 | 4529.48 | 13750.00 | 1608750.00 |
| 4 | 2025-02 | 18241.09 | 4491.09 | 13750.00 | 1595000.00 |
| 5 | 2025-03 | 18202.71 | 4452.71 | 13750.00 | 1581250.00 |
| 6 | 2025-04 | 18164.32 | 4414.32 | 13750.00 | 1567500.00 |
| 7 | 2025-05 | 18125.94 | 4375.94 | 13750.00 | 1553750.00 |
| 8 | 2025-06 | 18087.55 | 4337.55 | 13750.00 | 1540000.00 |
| 9 | 2025-07 | 18049.17 | 4299.17 | 13750.00 | 1526250.00 |
| 10 | 2025-08 | 18010.78 | 4260.78 | 13750.00 | 1512500.00 |
| 11 | 2025-09 | 17972.40 | 4222.40 | 13750.00 | 1498750.00 |
| 12 | 2025-10 | 17934.01 | 4184.01 | 13750.00 | 1485000.00 |
| 13 | 2025-11 | 17895.63 | 4145.63 | 13750.00 | 1471250.00 |
| 14 | 2025-12 | 17857.24 | 4107.24 | 13750.00 | 1457500.00 |
| 15 | 2026-01 | 17818.85 | 4068.85 | 13750.00 | 1443750.00 |
| 16 | 2026-02 | 17780.47 | 4030.47 | 13750.00 | 1430000.00 |
| 17 | 2026-03 | 17742.08 | 3992.08 | 13750.00 | 1416250.00 |
| 18 | 2026-04 | 17703.70 | 3953.70 | 13750.00 | 1402500.00 |
| 19 | 2026-05 | 17665.31 | 3915.31 | 13750.00 | 1388750.00 |
| 20 | 2026-06 | 17626.93 | 3876.93 | 13750.00 | 1375000.00 |
| 21 | 2026-07 | 17588.54 | 3838.54 | 13750.00 | 1361250.00 |
| 22 | 2026-08 | 17550.16 | 3800.16 | 13750.00 | 1347500.00 |
| 23 | 2026-09 | 17511.77 | 3761.77 | 13750.00 | 1333750.00 |
| 24 | 2026-10 | 17473.39 | 3723.39 | 13750.00 | 1320000.00 |
| 25 | 2026-11 | 17435.00 | 3685.00 | 13750.00 | 1306250.00 |
| 26 | 2026-12 | 17396.61 | 3646.61 | 13750.00 | 1292500.00 |
| 27 | 2027-01 | 17358.23 | 3608.23 | 13750.00 | 1278750.00 |
| 28 | 2027-02 | 17319.84 | 3569.84 | 13750.00 | 1265000.00 |
| 29 | 2027-03 | 17281.46 | 3531.46 | 13750.00 | 1251250.00 |
| 30 | 2027-04 | 17243.07 | 3493.07 | 13750.00 | 1237500.00 |
| 31 | 2027-05 | 17204.69 | 3454.69 | 13750.00 | 1223750.00 |
| 32 | 2027-06 | 17166.30 | 3416.30 | 13750.00 | 1210000.00 |
| 33 | 2027-07 | 17127.92 | 3377.92 | 13750.00 | 1196250.00 |
| 34 | 2027-08 | 17089.53 | 3339.53 | 13750.00 | 1182500.00 |
| 35 | 2027-09 | 17051.15 | 3301.15 | 13750.00 | 1168750.00 |
| 36 | 2027-10 | 17012.76 | 3262.76 | 13750.00 | 1155000.00 |
| 37 | 2027-11 | 16974.38 | 3224.38 | 13750.00 | 1141250.00 |
| 38 | 2027-12 | 16935.99 | 3185.99 | 13750.00 | 1127500.00 |
| 39 | 2028-01 | 16897.60 | 3147.60 | 13750.00 | 1113750.00 |
| 40 | 2028-02 | 16859.22 | 3109.22 | 13750.00 | 1100000.00 |
| 41 | 2028-03 | 16820.83 | 3070.83 | 13750.00 | 1086250.00 |
| 42 | 2028-04 | 16782.45 | 3032.45 | 13750.00 | 1072500.00 |
| 43 | 2028-05 | 16744.06 | 2994.06 | 13750.00 | 1058750.00 |
| 44 | 2028-06 | 16705.68 | 2955.68 | 13750.00 | 1045000.00 |
| 45 | 2028-07 | 16667.29 | 2917.29 | 13750.00 | 1031250.00 |
| 46 | 2028-08 | 16628.91 | 2878.91 | 13750.00 | 1017500.00 |
| 47 | 2028-09 | 16590.52 | 2840.52 | 13750.00 | 1003750.00 |
| 48 | 2028-10 | 16552.14 | 2802.14 | 13750.00 | 990000.00 |
| 49 | 2028-11 | 16513.75 | 2763.75 | 13750.00 | 976250.00 |
| 50 | 2028-12 | 16475.36 | 2725.36 | 13750.00 | 962500.00 |
| 51 | 2029-01 | 16436.98 | 2686.98 | 13750.00 | 948750.00 |
| 52 | 2029-02 | 16398.59 | 2648.59 | 13750.00 | 935000.00 |
| 53 | 2029-03 | 16360.21 | 2610.21 | 13750.00 | 921250.00 |
| 54 | 2029-04 | 16321.82 | 2571.82 | 13750.00 | 907500.00 |
| 55 | 2029-05 | 16283.44 | 2533.44 | 13750.00 | 893750.00 |
| 56 | 2029-06 | 16245.05 | 2495.05 | 13750.00 | 880000.00 |
| 57 | 2029-07 | 16206.67 | 2456.67 | 13750.00 | 866250.00 |
| 58 | 2029-08 | 16168.28 | 2418.28 | 13750.00 | 852500.00 |
| 59 | 2029-09 | 16129.90 | 2379.90 | 13750.00 | 838750.00 |
| 60 | 2029-10 | 16091.51 | 2341.51 | 13750.00 | 825000.00 |
| 61 | 2029-11 | 16053.13 | 2303.13 | 13750.00 | 811250.00 |
| 62 | 2029-12 | 16014.74 | 2264.74 | 13750.00 | 797500.00 |
| 63 | 2030-01 | 15976.35 | 2226.35 | 13750.00 | 783750.00 |
| 64 | 2030-02 | 15937.97 | 2187.97 | 13750.00 | 770000.00 |
| 65 | 2030-03 | 15899.58 | 2149.58 | 13750.00 | 756250.00 |
| 66 | 2030-04 | 15861.20 | 2111.20 | 13750.00 | 742500.00 |
| 67 | 2030-05 | 15822.81 | 2072.81 | 13750.00 | 728750.00 |
| 68 | 2030-06 | 15784.43 | 2034.43 | 13750.00 | 715000.00 |
| 69 | 2030-07 | 15746.04 | 1996.04 | 13750.00 | 701250.00 |
| 70 | 2030-08 | 15707.66 | 1957.66 | 13750.00 | 687500.00 |
| 71 | 2030-09 | 15669.27 | 1919.27 | 13750.00 | 673750.00 |
| 72 | 2030-10 | 15630.89 | 1880.89 | 13750.00 | 660000.00 |
| 73 | 2030-11 | 15592.50 | 1842.50 | 13750.00 | 646250.00 |
| 74 | 2030-12 | 15554.11 | 1804.11 | 13750.00 | 632500.00 |
| 75 | 2031-01 | 15515.73 | 1765.73 | 13750.00 | 618750.00 |
| 76 | 2031-02 | 15477.34 | 1727.34 | 13750.00 | 605000.00 |
| 77 | 2031-03 | 15438.96 | 1688.96 | 13750.00 | 591250.00 |
| 78 | 2031-04 | 15400.57 | 1650.57 | 13750.00 | 577500.00 |
| 79 | 2031-05 | 15362.19 | 1612.19 | 13750.00 | 563750.00 |
| 80 | 2031-06 | 15323.80 | 1573.80 | 13750.00 | 550000.00 |
| 81 | 2031-07 | 15285.42 | 1535.42 | 13750.00 | 536250.00 |
| 82 | 2031-08 | 15247.03 | 1497.03 | 13750.00 | 522500.00 |
| 83 | 2031-09 | 15208.65 | 1458.65 | 13750.00 | 508750.00 |
| 84 | 2031-10 | 15170.26 | 1420.26 | 13750.00 | 495000.00 |
| 85 | 2031-11 | 15131.88 | 1381.88 | 13750.00 | 481250.00 |
| 86 | 2031-12 | 15093.49 | 1343.49 | 13750.00 | 467500.00 |
| 87 | 2032-01 | 15055.10 | 1305.10 | 13750.00 | 453750.00 |
| 88 | 2032-02 | 15016.72 | 1266.72 | 13750.00 | 440000.00 |
| 89 | 2032-03 | 14978.33 | 1228.33 | 13750.00 | 426250.00 |
| 90 | 2032-04 | 14939.95 | 1189.95 | 13750.00 | 412500.00 |
| 91 | 2032-05 | 14901.56 | 1151.56 | 13750.00 | 398750.00 |
| 92 | 2032-06 | 14863.18 | 1113.18 | 13750.00 | 385000.00 |
| 93 | 2032-07 | 14824.79 | 1074.79 | 13750.00 | 371250.00 |
| 94 | 2032-08 | 14786.41 | 1036.41 | 13750.00 | 357500.00 |
| 95 | 2032-09 | 14748.02 | 998.02 | 13750.00 | 343750.00 |
| 96 | 2032-10 | 14709.64 | 959.64 | 13750.00 | 330000.00 |
| 97 | 2032-11 | 14671.25 | 921.25 | 13750.00 | 316250.00 |
| 98 | 2032-12 | 14632.86 | 882.86 | 13750.00 | 302500.00 |
| 99 | 2033-01 | 14594.48 | 844.48 | 13750.00 | 288750.00 |
| 100 | 2033-02 | 14556.09 | 806.09 | 13750.00 | 275000.00 |
| 101 | 2033-03 | 14517.71 | 767.71 | 13750.00 | 261250.00 |
| 102 | 2033-04 | 14479.32 | 729.32 | 13750.00 | 247500.00 |
| 103 | 2033-05 | 14440.94 | 690.94 | 13750.00 | 233750.00 |
| 104 | 2033-06 | 14402.55 | 652.55 | 13750.00 | 220000.00 |
| 105 | 2033-07 | 14364.17 | 614.17 | 13750.00 | 206250.00 |
| 106 | 2033-08 | 14325.78 | 575.78 | 13750.00 | 192500.00 |
| 107 | 2033-09 | 14287.40 | 537.40 | 13750.00 | 178750.00 |
| 108 | 2033-10 | 14249.01 | 499.01 | 13750.00 | 165000.00 |
| 109 | 2033-11 | 14210.63 | 460.63 | 13750.00 | 151250.00 |
| 110 | 2033-12 | 14172.24 | 422.24 | 13750.00 | 137500.00 |
| 111 | 2034-01 | 14133.85 | 383.85 | 13750.00 | 123750.00 |
| 112 | 2034-02 | 14095.47 | 345.47 | 13750.00 | 110000.00 |
| 113 | 2034-03 | 14057.08 | 307.08 | 13750.00 | 96250.00 |
| 114 | 2034-04 | 14018.70 | 268.70 | 13750.00 | 82500.00 |
| 115 | 2034-05 | 13980.31 | 230.31 | 13750.00 | 68750.00 |
| 116 | 2034-06 | 13941.93 | 191.93 | 13750.00 | 55000.00 |
| 117 | 2034-07 | 13903.54 | 153.54 | 13750.00 | 41250.00 |
| 118 | 2034-08 | 13865.16 | 115.16 | 13750.00 | 27500.00 |
| 119 | 2034-09 | 13826.77 | 76.77 | 13750.00 | 13750.00 |
| 120 | 2034-10 | 13788.39 | 38.39 | 13750.00 | 0.00 |
友情链接:
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采用2025年08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08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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