贷款30万（商业贷款）的房贷，还款10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：30万
还款月数：10年4个月
每月还款：2865.56元
利息总额：5.53万
本息合计：35.53万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-02 | 2865.56 | 837.50 | 2028.06 | 297971.94 |
| 2 | 2024-03 | 2865.56 | 831.84 | 2033.72 | 295938.22 |
| 3 | 2024-04 | 2865.56 | 826.16 | 2039.40 | 293898.82 |
| 4 | 2024-05 | 2865.56 | 820.47 | 2045.09 | 291853.73 |
| 5 | 2024-06 | 2865.56 | 814.76 | 2050.80 | 289802.93 |
| 6 | 2024-07 | 2865.56 | 809.03 | 2056.53 | 287746.41 |
| 7 | 2024-08 | 2865.56 | 803.29 | 2062.27 | 285684.14 |
| 8 | 2024-09 | 2865.56 | 797.53 | 2068.02 | 283616.12 |
| 9 | 2024-10 | 2865.56 | 791.76 | 2073.80 | 281542.32 |
| 10 | 2024-11 | 2865.56 | 785.97 | 2079.59 | 279462.74 |
| 11 | 2024-12 | 2865.56 | 780.17 | 2085.39 | 277377.35 |
| 12 | 2025-01 | 2865.56 | 774.35 | 2091.21 | 275286.13 |
| 13 | 2025-02 | 2865.56 | 768.51 | 2097.05 | 273189.08 |
| 14 | 2025-03 | 2865.56 | 762.65 | 2102.91 | 271086.18 |
| 15 | 2025-04 | 2865.56 | 756.78 | 2108.78 | 268977.40 |
| 16 | 2025-05 | 2865.56 | 750.90 | 2114.66 | 266862.74 |
| 17 | 2025-06 | 2865.56 | 744.99 | 2120.57 | 264742.17 |
| 18 | 2025-07 | 2865.56 | 739.07 | 2126.49 | 262615.68 |
| 19 | 2025-08 | 2865.56 | 733.14 | 2132.42 | 260483.26 |
| 20 | 2025-09 | 2865.56 | 727.18 | 2138.38 | 258344.88 |
| 21 | 2025-10 | 2865.56 | 721.21 | 2144.35 | 256200.54 |
| 22 | 2025-11 | 2865.56 | 715.23 | 2150.33 | 254050.21 |
| 23 | 2025-12 | 2865.56 | 709.22 | 2156.33 | 251893.87 |
| 24 | 2026-01 | 2865.56 | 703.20 | 2162.35 | 249731.52 |
| 25 | 2026-02 | 2865.56 | 697.17 | 2168.39 | 247563.13 |
| 26 | 2026-03 | 2865.56 | 691.11 | 2174.44 | 245388.68 |
| 27 | 2026-04 | 2865.56 | 685.04 | 2180.51 | 243208.17 |
| 28 | 2026-05 | 2865.56 | 678.96 | 2186.60 | 241021.57 |
| 29 | 2026-06 | 2865.56 | 672.85 | 2192.71 | 238828.86 |
| 30 | 2026-07 | 2865.56 | 666.73 | 2198.83 | 236630.03 |
| 31 | 2026-08 | 2865.56 | 660.59 | 2204.97 | 234425.07 |
| 32 | 2026-09 | 2865.56 | 654.44 | 2211.12 | 232213.94 |
| 33 | 2026-10 | 2865.56 | 648.26 | 2217.29 | 229996.65 |
| 34 | 2026-11 | 2865.56 | 642.07 | 2223.48 | 227773.17 |
| 35 | 2026-12 | 2865.56 | 635.87 | 2229.69 | 225543.47 |
| 36 | 2027-01 | 2865.56 | 629.64 | 2235.92 | 223307.56 |
| 37 | 2027-02 | 2865.56 | 623.40 | 2242.16 | 221065.40 |
| 38 | 2027-03 | 2865.56 | 617.14 | 2248.42 | 218816.98 |
| 39 | 2027-04 | 2865.56 | 610.86 | 2254.69 | 216562.29 |
| 40 | 2027-05 | 2865.56 | 604.57 | 2260.99 | 214301.30 |
| 41 | 2027-06 | 2865.56 | 598.26 | 2267.30 | 212034.00 |
| 42 | 2027-07 | 2865.56 | 591.93 | 2273.63 | 209760.37 |
| 43 | 2027-08 | 2865.56 | 585.58 | 2279.98 | 207480.39 |
| 44 | 2027-09 | 2865.56 | 579.22 | 2286.34 | 205194.05 |
| 45 | 2027-10 | 2865.56 | 572.83 | 2292.72 | 202901.33 |
| 46 | 2027-11 | 2865.56 | 566.43 | 2299.13 | 200602.20 |
| 47 | 2027-12 | 2865.56 | 560.01 | 2305.54 | 198296.66 |
| 48 | 2028-01 | 2865.56 | 553.58 | 2311.98 | 195984.68 |
| 49 | 2028-02 | 2865.56 | 547.12 | 2318.43 | 193666.24 |
| 50 | 2028-03 | 2865.56 | 540.65 | 2324.91 | 191341.33 |
| 51 | 2028-04 | 2865.56 | 534.16 | 2331.40 | 189009.94 |
| 52 | 2028-05 | 2865.56 | 527.65 | 2337.91 | 186672.03 |
| 53 | 2028-06 | 2865.56 | 521.13 | 2344.43 | 184327.60 |
| 54 | 2028-07 | 2865.56 | 514.58 | 2350.98 | 181976.62 |
| 55 | 2028-08 | 2865.56 | 508.02 | 2357.54 | 179619.08 |
| 56 | 2028-09 | 2865.56 | 501.44 | 2364.12 | 177254.96 |
| 57 | 2028-10 | 2865.56 | 494.84 | 2370.72 | 174884.24 |
| 58 | 2028-11 | 2865.56 | 488.22 | 2377.34 | 172506.90 |
| 59 | 2028-12 | 2865.56 | 481.58 | 2383.98 | 170122.92 |
| 60 | 2029-01 | 2865.56 | 474.93 | 2390.63 | 167732.29 |
| 61 | 2029-02 | 2865.56 | 468.25 | 2397.31 | 165334.99 |
| 62 | 2029-03 | 2865.56 | 461.56 | 2404.00 | 162930.99 |
| 63 | 2029-04 | 2865.56 | 454.85 | 2410.71 | 160520.28 |
| 64 | 2029-05 | 2865.56 | 448.12 | 2417.44 | 158102.84 |
| 65 | 2029-06 | 2865.56 | 441.37 | 2424.19 | 155678.65 |
| 66 | 2029-07 | 2865.56 | 434.60 | 2430.96 | 153247.70 |
| 67 | 2029-08 | 2865.56 | 427.82 | 2437.74 | 150809.95 |
| 68 | 2029-09 | 2865.56 | 421.01 | 2444.55 | 148365.41 |
| 69 | 2029-10 | 2865.56 | 414.19 | 2451.37 | 145914.04 |
| 70 | 2029-11 | 2865.56 | 407.34 | 2458.21 | 143455.82 |
| 71 | 2029-12 | 2865.56 | 400.48 | 2465.08 | 140990.74 |
| 72 | 2030-01 | 2865.56 | 393.60 | 2471.96 | 138518.78 |
| 73 | 2030-02 | 2865.56 | 386.70 | 2478.86 | 136039.92 |
| 74 | 2030-03 | 2865.56 | 379.78 | 2485.78 | 133554.14 |
| 75 | 2030-04 | 2865.56 | 372.84 | 2492.72 | 131061.42 |
| 76 | 2030-05 | 2865.56 | 365.88 | 2499.68 | 128561.75 |
| 77 | 2030-06 | 2865.56 | 358.90 | 2506.66 | 126055.09 |
| 78 | 2030-07 | 2865.56 | 351.90 | 2513.65 | 123541.44 |
| 79 | 2030-08 | 2865.56 | 344.89 | 2520.67 | 121020.76 |
| 80 | 2030-09 | 2865.56 | 337.85 | 2527.71 | 118493.05 |
| 81 | 2030-10 | 2865.56 | 330.79 | 2534.77 | 115958.29 |
| 82 | 2030-11 | 2865.56 | 323.72 | 2541.84 | 113416.45 |
| 83 | 2030-12 | 2865.56 | 316.62 | 2548.94 | 110867.51 |
| 84 | 2031-01 | 2865.56 | 309.51 | 2556.05 | 108311.46 |
| 85 | 2031-02 | 2865.56 | 302.37 | 2563.19 | 105748.27 |
| 86 | 2031-03 | 2865.56 | 295.21 | 2570.34 | 103177.92 |
| 87 | 2031-04 | 2865.56 | 288.04 | 2577.52 | 100600.40 |
| 88 | 2031-05 | 2865.56 | 280.84 | 2584.72 | 98015.69 |
| 89 | 2031-06 | 2865.56 | 273.63 | 2591.93 | 95423.76 |
| 90 | 2031-07 | 2865.56 | 266.39 | 2599.17 | 92824.59 |
| 91 | 2031-08 | 2865.56 | 259.14 | 2606.42 | 90218.17 |
| 92 | 2031-09 | 2865.56 | 251.86 | 2613.70 | 87604.47 |
| 93 | 2031-10 | 2865.56 | 244.56 | 2621.00 | 84983.47 |
| 94 | 2031-11 | 2865.56 | 237.25 | 2628.31 | 82355.16 |
| 95 | 2031-12 | 2865.56 | 229.91 | 2635.65 | 79719.51 |
| 96 | 2032-01 | 2865.56 | 222.55 | 2643.01 | 77076.50 |
| 97 | 2032-02 | 2865.56 | 215.17 | 2650.39 | 74426.12 |
| 98 | 2032-03 | 2865.56 | 207.77 | 2657.79 | 71768.33 |
| 99 | 2032-04 | 2865.56 | 200.35 | 2665.21 | 69103.13 |
| 100 | 2032-05 | 2865.56 | 192.91 | 2672.65 | 66430.48 |
| 101 | 2032-06 | 2865.56 | 185.45 | 2680.11 | 63750.37 |
| 102 | 2032-07 | 2865.56 | 177.97 | 2687.59 | 61062.79 |
| 103 | 2032-08 | 2865.56 | 170.47 | 2695.09 | 58367.69 |
| 104 | 2032-09 | 2865.56 | 162.94 | 2702.62 | 55665.08 |
| 105 | 2032-10 | 2865.56 | 155.40 | 2710.16 | 52954.92 |
| 106 | 2032-11 | 2865.56 | 147.83 | 2717.73 | 50237.19 |
| 107 | 2032-12 | 2865.56 | 140.25 | 2725.31 | 47511.88 |
| 108 | 2033-01 | 2865.56 | 132.64 | 2732.92 | 44778.96 |
| 109 | 2033-02 | 2865.56 | 125.01 | 2740.55 | 42038.41 |
| 110 | 2033-03 | 2865.56 | 117.36 | 2748.20 | 39290.21 |
| 111 | 2033-04 | 2865.56 | 109.69 | 2755.87 | 36534.34 |
| 112 | 2033-05 | 2865.56 | 101.99 | 2763.57 | 33770.77 |
| 113 | 2033-06 | 2865.56 | 94.28 | 2771.28 | 30999.49 |
| 114 | 2033-07 | 2865.56 | 86.54 | 2779.02 | 28220.47 |
| 115 | 2033-08 | 2865.56 | 78.78 | 2786.78 | 25433.69 |
| 116 | 2033-09 | 2865.56 | 71.00 | 2794.56 | 22639.14 |
| 117 | 2033-10 | 2865.56 | 63.20 | 2802.36 | 19836.78 |
| 118 | 2033-11 | 2865.56 | 55.38 | 2810.18 | 17026.60 |
| 119 | 2033-12 | 2865.56 | 47.53 | 2818.03 | 14208.57 |
| 120 | 2034-01 | 2865.56 | 39.67 | 2825.89 | 11382.68 |
| 121 | 2034-02 | 2865.56 | 31.78 | 2833.78 | 8548.90 |
| 122 | 2034-03 | 2865.56 | 23.87 | 2841.69 | 5707.21 |
| 123 | 2034-04 | 2865.56 | 15.93 | 2849.63 | 2857.58 |
| 124 | 2034-05 | 2865.56 | 7.98 | 2857.58 | 0.00 |
还款方式二：等额本金
贷款总额：30万
还款月数：10年4个月
首月还款：3256.85元
每月递减：6.75元
利息总额：5.23万
本息合计：35.23万
节省利息：2985.47元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-02 | 3256.85 | 837.50 | 2419.35 | 297580.65 |
| 2 | 2024-03 | 3250.10 | 830.75 | 2419.35 | 295161.29 |
| 3 | 2024-04 | 3243.35 | 823.99 | 2419.35 | 292741.94 |
| 4 | 2024-05 | 3236.59 | 817.24 | 2419.35 | 290322.58 |
| 5 | 2024-06 | 3229.84 | 810.48 | 2419.35 | 287903.23 |
| 6 | 2024-07 | 3223.08 | 803.73 | 2419.35 | 285483.87 |
| 7 | 2024-08 | 3216.33 | 796.98 | 2419.35 | 283064.52 |
| 8 | 2024-09 | 3209.58 | 790.22 | 2419.35 | 280645.16 |
| 9 | 2024-10 | 3202.82 | 783.47 | 2419.35 | 278225.81 |
| 10 | 2024-11 | 3196.07 | 776.71 | 2419.35 | 275806.45 |
| 11 | 2024-12 | 3189.31 | 769.96 | 2419.35 | 273387.10 |
| 12 | 2025-01 | 3182.56 | 763.21 | 2419.35 | 270967.74 |
| 13 | 2025-02 | 3175.81 | 756.45 | 2419.35 | 268548.39 |
| 14 | 2025-03 | 3169.05 | 749.70 | 2419.35 | 266129.03 |
| 15 | 2025-04 | 3162.30 | 742.94 | 2419.35 | 263709.68 |
| 16 | 2025-05 | 3155.54 | 736.19 | 2419.35 | 261290.32 |
| 17 | 2025-06 | 3148.79 | 729.44 | 2419.35 | 258870.97 |
| 18 | 2025-07 | 3142.04 | 722.68 | 2419.35 | 256451.61 |
| 19 | 2025-08 | 3135.28 | 715.93 | 2419.35 | 254032.26 |
| 20 | 2025-09 | 3128.53 | 709.17 | 2419.35 | 251612.90 |
| 21 | 2025-10 | 3121.77 | 702.42 | 2419.35 | 249193.55 |
| 22 | 2025-11 | 3115.02 | 695.67 | 2419.35 | 246774.19 |
| 23 | 2025-12 | 3108.27 | 688.91 | 2419.35 | 244354.84 |
| 24 | 2026-01 | 3101.51 | 682.16 | 2419.35 | 241935.48 |
| 25 | 2026-02 | 3094.76 | 675.40 | 2419.35 | 239516.13 |
| 26 | 2026-03 | 3088.00 | 668.65 | 2419.35 | 237096.77 |
| 27 | 2026-04 | 3081.25 | 661.90 | 2419.35 | 234677.42 |
| 28 | 2026-05 | 3074.50 | 655.14 | 2419.35 | 232258.06 |
| 29 | 2026-06 | 3067.74 | 648.39 | 2419.35 | 229838.71 |
| 30 | 2026-07 | 3060.99 | 641.63 | 2419.35 | 227419.35 |
| 31 | 2026-08 | 3054.23 | 634.88 | 2419.35 | 225000.00 |
| 32 | 2026-09 | 3047.48 | 628.13 | 2419.35 | 222580.65 |
| 33 | 2026-10 | 3040.73 | 621.37 | 2419.35 | 220161.29 |
| 34 | 2026-11 | 3033.97 | 614.62 | 2419.35 | 217741.94 |
| 35 | 2026-12 | 3027.22 | 607.86 | 2419.35 | 215322.58 |
| 36 | 2027-01 | 3020.46 | 601.11 | 2419.35 | 212903.23 |
| 37 | 2027-02 | 3013.71 | 594.35 | 2419.35 | 210483.87 |
| 38 | 2027-03 | 3006.96 | 587.60 | 2419.35 | 208064.52 |
| 39 | 2027-04 | 3000.20 | 580.85 | 2419.35 | 205645.16 |
| 40 | 2027-05 | 2993.45 | 574.09 | 2419.35 | 203225.81 |
| 41 | 2027-06 | 2986.69 | 567.34 | 2419.35 | 200806.45 |
| 42 | 2027-07 | 2979.94 | 560.58 | 2419.35 | 198387.10 |
| 43 | 2027-08 | 2973.19 | 553.83 | 2419.35 | 195967.74 |
| 44 | 2027-09 | 2966.43 | 547.08 | 2419.35 | 193548.39 |
| 45 | 2027-10 | 2959.68 | 540.32 | 2419.35 | 191129.03 |
| 46 | 2027-11 | 2952.92 | 533.57 | 2419.35 | 188709.68 |
| 47 | 2027-12 | 2946.17 | 526.81 | 2419.35 | 186290.32 |
| 48 | 2028-01 | 2939.42 | 520.06 | 2419.35 | 183870.97 |
| 49 | 2028-02 | 2932.66 | 513.31 | 2419.35 | 181451.61 |
| 50 | 2028-03 | 2925.91 | 506.55 | 2419.35 | 179032.26 |
| 51 | 2028-04 | 2919.15 | 499.80 | 2419.35 | 176612.90 |
| 52 | 2028-05 | 2912.40 | 493.04 | 2419.35 | 174193.55 |
| 53 | 2028-06 | 2905.65 | 486.29 | 2419.35 | 171774.19 |
| 54 | 2028-07 | 2898.89 | 479.54 | 2419.35 | 169354.84 |
| 55 | 2028-08 | 2892.14 | 472.78 | 2419.35 | 166935.48 |
| 56 | 2028-09 | 2885.38 | 466.03 | 2419.35 | 164516.13 |
| 57 | 2028-10 | 2878.63 | 459.27 | 2419.35 | 162096.77 |
| 58 | 2028-11 | 2871.88 | 452.52 | 2419.35 | 159677.42 |
| 59 | 2028-12 | 2865.12 | 445.77 | 2419.35 | 157258.06 |
| 60 | 2029-01 | 2858.37 | 439.01 | 2419.35 | 154838.71 |
| 61 | 2029-02 | 2851.61 | 432.26 | 2419.35 | 152419.35 |
| 62 | 2029-03 | 2844.86 | 425.50 | 2419.35 | 150000.00 |
| 63 | 2029-04 | 2838.10 | 418.75 | 2419.35 | 147580.65 |
| 64 | 2029-05 | 2831.35 | 412.00 | 2419.35 | 145161.29 |
| 65 | 2029-06 | 2824.60 | 405.24 | 2419.35 | 142741.94 |
| 66 | 2029-07 | 2817.84 | 398.49 | 2419.35 | 140322.58 |
| 67 | 2029-08 | 2811.09 | 391.73 | 2419.35 | 137903.23 |
| 68 | 2029-09 | 2804.33 | 384.98 | 2419.35 | 135483.87 |
| 69 | 2029-10 | 2797.58 | 378.23 | 2419.35 | 133064.52 |
| 70 | 2029-11 | 2790.83 | 371.47 | 2419.35 | 130645.16 |
| 71 | 2029-12 | 2784.07 | 364.72 | 2419.35 | 128225.81 |
| 72 | 2030-01 | 2777.32 | 357.96 | 2419.35 | 125806.45 |
| 73 | 2030-02 | 2770.56 | 351.21 | 2419.35 | 123387.10 |
| 74 | 2030-03 | 2763.81 | 344.46 | 2419.35 | 120967.74 |
| 75 | 2030-04 | 2757.06 | 337.70 | 2419.35 | 118548.39 |
| 76 | 2030-05 | 2750.30 | 330.95 | 2419.35 | 116129.03 |
| 77 | 2030-06 | 2743.55 | 324.19 | 2419.35 | 113709.68 |
| 78 | 2030-07 | 2736.79 | 317.44 | 2419.35 | 111290.32 |
| 79 | 2030-08 | 2730.04 | 310.69 | 2419.35 | 108870.97 |
| 80 | 2030-09 | 2723.29 | 303.93 | 2419.35 | 106451.61 |
| 81 | 2030-10 | 2716.53 | 297.18 | 2419.35 | 104032.26 |
| 82 | 2030-11 | 2709.78 | 290.42 | 2419.35 | 101612.90 |
| 83 | 2030-12 | 2703.02 | 283.67 | 2419.35 | 99193.55 |
| 84 | 2031-01 | 2696.27 | 276.92 | 2419.35 | 96774.19 |
| 85 | 2031-02 | 2689.52 | 270.16 | 2419.35 | 94354.84 |
| 86 | 2031-03 | 2682.76 | 263.41 | 2419.35 | 91935.48 |
| 87 | 2031-04 | 2676.01 | 256.65 | 2419.35 | 89516.13 |
| 88 | 2031-05 | 2669.25 | 249.90 | 2419.35 | 87096.77 |
| 89 | 2031-06 | 2662.50 | 243.15 | 2419.35 | 84677.42 |
| 90 | 2031-07 | 2655.75 | 236.39 | 2419.35 | 82258.06 |
| 91 | 2031-08 | 2648.99 | 229.64 | 2419.35 | 79838.71 |
| 92 | 2031-09 | 2642.24 | 222.88 | 2419.35 | 77419.35 |
| 93 | 2031-10 | 2635.48 | 216.13 | 2419.35 | 75000.00 |
| 94 | 2031-11 | 2628.73 | 209.38 | 2419.35 | 72580.65 |
| 95 | 2031-12 | 2621.98 | 202.62 | 2419.35 | 70161.29 |
| 96 | 2032-01 | 2615.22 | 195.87 | 2419.35 | 67741.94 |
| 97 | 2032-02 | 2608.47 | 189.11 | 2419.35 | 65322.58 |
| 98 | 2032-03 | 2601.71 | 182.36 | 2419.35 | 62903.23 |
| 99 | 2032-04 | 2594.96 | 175.60 | 2419.35 | 60483.87 |
| 100 | 2032-05 | 2588.21 | 168.85 | 2419.35 | 58064.52 |
| 101 | 2032-06 | 2581.45 | 162.10 | 2419.35 | 55645.16 |
| 102 | 2032-07 | 2574.70 | 155.34 | 2419.35 | 53225.81 |
| 103 | 2032-08 | 2567.94 | 148.59 | 2419.35 | 50806.45 |
| 104 | 2032-09 | 2561.19 | 141.83 | 2419.35 | 48387.10 |
| 105 | 2032-10 | 2554.44 | 135.08 | 2419.35 | 45967.74 |
| 106 | 2032-11 | 2547.68 | 128.33 | 2419.35 | 43548.39 |
| 107 | 2032-12 | 2540.93 | 121.57 | 2419.35 | 41129.03 |
| 108 | 2033-01 | 2534.17 | 114.82 | 2419.35 | 38709.68 |
| 109 | 2033-02 | 2527.42 | 108.06 | 2419.35 | 36290.32 |
| 110 | 2033-03 | 2520.67 | 101.31 | 2419.35 | 33870.97 |
| 111 | 2033-04 | 2513.91 | 94.56 | 2419.35 | 31451.61 |
| 112 | 2033-05 | 2507.16 | 87.80 | 2419.35 | 29032.26 |
| 113 | 2033-06 | 2500.40 | 81.05 | 2419.35 | 26612.90 |
| 114 | 2033-07 | 2493.65 | 74.29 | 2419.35 | 24193.55 |
| 115 | 2033-08 | 2486.90 | 67.54 | 2419.35 | 21774.19 |
| 116 | 2033-09 | 2480.14 | 60.79 | 2419.35 | 19354.84 |
| 117 | 2033-10 | 2473.39 | 54.03 | 2419.35 | 16935.48 |
| 118 | 2033-11 | 2466.63 | 47.28 | 2419.35 | 14516.13 |
| 119 | 2033-12 | 2459.88 | 40.52 | 2419.35 | 12096.77 |
| 120 | 2034-01 | 2453.13 | 33.77 | 2419.35 | 9677.42 |
| 121 | 2034-02 | 2446.37 | 27.02 | 2419.35 | 7258.06 |
| 122 | 2034-03 | 2439.62 | 20.26 | 2419.35 | 4838.71 |
| 123 | 2034-04 | 2432.86 | 13.51 | 2419.35 | 2419.35 |
| 124 | 2034-05 | 2426.11 | 6.75 | 2419.35 | 0.00 |
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采用2025年07月27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07月27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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