贷款170万（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：170万
还款月数：10年
每月还款：15566.27元
利息总额：16.8万
本息合计：186.8万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 15566.27 | 2691.67 | 12874.60 | 1687125.40 |
| 2 | 2026-02 | 15566.27 | 2671.28 | 12894.99 | 1674230.41 |
| 3 | 2026-03 | 15566.27 | 2650.86 | 12915.41 | 1661315.00 |
| 4 | 2026-04 | 15566.27 | 2630.42 | 12935.86 | 1648379.14 |
| 5 | 2026-05 | 15566.27 | 2609.93 | 12956.34 | 1635422.81 |
| 6 | 2026-06 | 15566.27 | 2589.42 | 12976.85 | 1622445.96 |
| 7 | 2026-07 | 15566.27 | 2568.87 | 12997.40 | 1609448.56 |
| 8 | 2026-08 | 15566.27 | 2548.29 | 13017.98 | 1596430.58 |
| 9 | 2026-09 | 15566.27 | 2527.68 | 13038.59 | 1583391.99 |
| 10 | 2026-10 | 15566.27 | 2507.04 | 13059.23 | 1570332.76 |
| 11 | 2026-11 | 15566.27 | 2486.36 | 13079.91 | 1557252.85 |
| 12 | 2026-12 | 15566.27 | 2465.65 | 13100.62 | 1544152.22 |
| 13 | 2027-01 | 15566.27 | 2444.91 | 13121.36 | 1531030.86 |
| 14 | 2027-02 | 15566.27 | 2424.13 | 13142.14 | 1517888.72 |
| 15 | 2027-03 | 15566.27 | 2403.32 | 13162.95 | 1504725.77 |
| 16 | 2027-04 | 15566.27 | 2382.48 | 13183.79 | 1491541.99 |
| 17 | 2027-05 | 15566.27 | 2361.61 | 13204.66 | 1478337.32 |
| 18 | 2027-06 | 15566.27 | 2340.70 | 13225.57 | 1465111.75 |
| 19 | 2027-07 | 15566.27 | 2319.76 | 13246.51 | 1451865.24 |
| 20 | 2027-08 | 15566.27 | 2298.79 | 13267.48 | 1438597.76 |
| 21 | 2027-09 | 15566.27 | 2277.78 | 13288.49 | 1425309.27 |
| 22 | 2027-10 | 15566.27 | 2256.74 | 13309.53 | 1411999.73 |
| 23 | 2027-11 | 15566.27 | 2235.67 | 13330.60 | 1398669.13 |
| 24 | 2027-12 | 15566.27 | 2214.56 | 13351.71 | 1385317.42 |
| 25 | 2028-01 | 15566.27 | 2193.42 | 13372.85 | 1371944.57 |
| 26 | 2028-02 | 15566.27 | 2172.25 | 13394.03 | 1358550.54 |
| 27 | 2028-03 | 15566.27 | 2151.04 | 13415.23 | 1345135.31 |
| 28 | 2028-04 | 15566.27 | 2129.80 | 13436.47 | 1331698.83 |
| 29 | 2028-05 | 15566.27 | 2108.52 | 13457.75 | 1318241.09 |
| 30 | 2028-06 | 15566.27 | 2087.22 | 13479.06 | 1304762.03 |
| 31 | 2028-07 | 15566.27 | 2065.87 | 13500.40 | 1291261.63 |
| 32 | 2028-08 | 15566.27 | 2044.50 | 13521.77 | 1277739.86 |
| 33 | 2028-09 | 15566.27 | 2023.09 | 13543.18 | 1264196.68 |
| 34 | 2028-10 | 15566.27 | 2001.64 | 13564.63 | 1250632.05 |
| 35 | 2028-11 | 15566.27 | 1980.17 | 13586.10 | 1237045.95 |
| 36 | 2028-12 | 15566.27 | 1958.66 | 13607.62 | 1223438.33 |
| 37 | 2029-01 | 15566.27 | 1937.11 | 13629.16 | 1209809.17 |
| 38 | 2029-02 | 15566.27 | 1915.53 | 13650.74 | 1196158.43 |
| 39 | 2029-03 | 15566.27 | 1893.92 | 13672.35 | 1182486.08 |
| 40 | 2029-04 | 15566.27 | 1872.27 | 13694.00 | 1168792.08 |
| 41 | 2029-05 | 15566.27 | 1850.59 | 13715.68 | 1155076.39 |
| 42 | 2029-06 | 15566.27 | 1828.87 | 13737.40 | 1141338.99 |
| 43 | 2029-07 | 15566.27 | 1807.12 | 13759.15 | 1127579.84 |
| 44 | 2029-08 | 15566.27 | 1785.33 | 13780.94 | 1113798.90 |
| 45 | 2029-09 | 15566.27 | 1763.51 | 13802.76 | 1099996.15 |
| 46 | 2029-10 | 15566.27 | 1741.66 | 13824.61 | 1086171.54 |
| 47 | 2029-11 | 15566.27 | 1719.77 | 13846.50 | 1072325.04 |
| 48 | 2029-12 | 15566.27 | 1697.85 | 13868.42 | 1058456.61 |
| 49 | 2030-01 | 15566.27 | 1675.89 | 13890.38 | 1044566.23 |
| 50 | 2030-02 | 15566.27 | 1653.90 | 13912.37 | 1030653.86 |
| 51 | 2030-03 | 15566.27 | 1631.87 | 13934.40 | 1016719.46 |
| 52 | 2030-04 | 15566.27 | 1609.81 | 13956.47 | 1002762.99 |
| 53 | 2030-05 | 15566.27 | 1587.71 | 13978.56 | 988784.43 |
| 54 | 2030-06 | 15566.27 | 1565.58 | 14000.70 | 974783.73 |
| 55 | 2030-07 | 15566.27 | 1543.41 | 14022.86 | 960760.87 |
| 56 | 2030-08 | 15566.27 | 1521.20 | 14045.07 | 946715.80 |
| 57 | 2030-09 | 15566.27 | 1498.97 | 14067.30 | 932648.50 |
| 58 | 2030-10 | 15566.27 | 1476.69 | 14089.58 | 918558.92 |
| 59 | 2030-11 | 15566.27 | 1454.38 | 14111.89 | 904447.03 |
| 60 | 2030-12 | 15566.27 | 1432.04 | 14134.23 | 890312.80 |
| 61 | 2031-01 | 15566.27 | 1409.66 | 14156.61 | 876156.19 |
| 62 | 2031-02 | 15566.27 | 1387.25 | 14179.02 | 861977.17 |
| 63 | 2031-03 | 15566.27 | 1364.80 | 14201.47 | 847775.70 |
| 64 | 2031-04 | 15566.27 | 1342.31 | 14223.96 | 833551.74 |
| 65 | 2031-05 | 15566.27 | 1319.79 | 14246.48 | 819305.26 |
| 66 | 2031-06 | 15566.27 | 1297.23 | 14269.04 | 805036.22 |
| 67 | 2031-07 | 15566.27 | 1274.64 | 14291.63 | 790744.59 |
| 68 | 2031-08 | 15566.27 | 1252.01 | 14314.26 | 776430.33 |
| 69 | 2031-09 | 15566.27 | 1229.35 | 14336.92 | 762093.41 |
| 70 | 2031-10 | 15566.27 | 1206.65 | 14359.62 | 747733.78 |
| 71 | 2031-11 | 15566.27 | 1183.91 | 14382.36 | 733351.42 |
| 72 | 2031-12 | 15566.27 | 1161.14 | 14405.13 | 718946.29 |
| 73 | 2032-01 | 15566.27 | 1138.33 | 14427.94 | 704518.35 |
| 74 | 2032-02 | 15566.27 | 1115.49 | 14450.78 | 690067.57 |
| 75 | 2032-03 | 15566.27 | 1092.61 | 14473.66 | 675593.91 |
| 76 | 2032-04 | 15566.27 | 1069.69 | 14496.58 | 661097.32 |
| 77 | 2032-05 | 15566.27 | 1046.74 | 14519.53 | 646577.79 |
| 78 | 2032-06 | 15566.27 | 1023.75 | 14542.52 | 632035.27 |
| 79 | 2032-07 | 15566.27 | 1000.72 | 14565.55 | 617469.72 |
| 80 | 2032-08 | 15566.27 | 977.66 | 14588.61 | 602881.11 |
| 81 | 2032-09 | 15566.27 | 954.56 | 14611.71 | 588269.40 |
| 82 | 2032-10 | 15566.27 | 931.43 | 14634.84 | 573634.55 |
| 83 | 2032-11 | 15566.27 | 908.25 | 14658.02 | 558976.54 |
| 84 | 2032-12 | 15566.27 | 885.05 | 14681.22 | 544295.31 |
| 85 | 2033-01 | 15566.27 | 861.80 | 14704.47 | 529590.84 |
| 86 | 2033-02 | 15566.27 | 838.52 | 14727.75 | 514863.09 |
| 87 | 2033-03 | 15566.27 | 815.20 | 14751.07 | 500112.02 |
| 88 | 2033-04 | 15566.27 | 791.84 | 14774.43 | 485337.59 |
| 89 | 2033-05 | 15566.27 | 768.45 | 14797.82 | 470539.77 |
| 90 | 2033-06 | 15566.27 | 745.02 | 14821.25 | 455718.52 |
| 91 | 2033-07 | 15566.27 | 721.55 | 14844.72 | 440873.81 |
| 92 | 2033-08 | 15566.27 | 698.05 | 14868.22 | 426005.59 |
| 93 | 2033-09 | 15566.27 | 674.51 | 14891.76 | 411113.82 |
| 94 | 2033-10 | 15566.27 | 650.93 | 14915.34 | 396198.48 |
| 95 | 2033-11 | 15566.27 | 627.31 | 14938.96 | 381259.53 |
| 96 | 2033-12 | 15566.27 | 603.66 | 14962.61 | 366296.91 |
| 97 | 2034-01 | 15566.27 | 579.97 | 14986.30 | 351310.61 |
| 98 | 2034-02 | 15566.27 | 556.24 | 15010.03 | 336300.58 |
| 99 | 2034-03 | 15566.27 | 532.48 | 15033.80 | 321266.79 |
| 100 | 2034-04 | 15566.27 | 508.67 | 15057.60 | 306209.19 |
| 101 | 2034-05 | 15566.27 | 484.83 | 15081.44 | 291127.75 |
| 102 | 2034-06 | 15566.27 | 460.95 | 15105.32 | 276022.43 |
| 103 | 2034-07 | 15566.27 | 437.04 | 15129.24 | 260893.20 |
| 104 | 2034-08 | 15566.27 | 413.08 | 15153.19 | 245740.01 |
| 105 | 2034-09 | 15566.27 | 389.09 | 15177.18 | 230562.82 |
| 106 | 2034-10 | 15566.27 | 365.06 | 15201.21 | 215361.61 |
| 107 | 2034-11 | 15566.27 | 340.99 | 15225.28 | 200136.33 |
| 108 | 2034-12 | 15566.27 | 316.88 | 15249.39 | 184886.94 |
| 109 | 2035-01 | 15566.27 | 292.74 | 15273.53 | 169613.41 |
| 110 | 2035-02 | 15566.27 | 268.55 | 15297.72 | 154315.69 |
| 111 | 2035-03 | 15566.27 | 244.33 | 15321.94 | 138993.75 |
| 112 | 2035-04 | 15566.27 | 220.07 | 15346.20 | 123647.55 |
| 113 | 2035-05 | 15566.27 | 195.78 | 15370.50 | 108277.06 |
| 114 | 2035-06 | 15566.27 | 171.44 | 15394.83 | 92882.23 |
| 115 | 2035-07 | 15566.27 | 147.06 | 15419.21 | 77463.02 |
| 116 | 2035-08 | 15566.27 | 122.65 | 15443.62 | 62019.40 |
| 117 | 2035-09 | 15566.27 | 98.20 | 15468.07 | 46551.32 |
| 118 | 2035-10 | 15566.27 | 73.71 | 15492.56 | 31058.76 |
| 119 | 2035-11 | 15566.27 | 49.18 | 15517.09 | 15541.66 |
| 120 | 2035-12 | 15566.27 | 24.61 | 15541.66 | 0.00 |
还款方式二：等额本金
贷款总额：170万
还款月数：10年
首月还款：16858.33元
每月递减：22.43元
利息总额：16.28万
本息合计：186.28万
节省利息：5106.7元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 16858.33 | 2691.67 | 14166.67 | 1685833.33 |
| 2 | 2026-02 | 16835.90 | 2669.24 | 14166.67 | 1671666.67 |
| 3 | 2026-03 | 16813.47 | 2646.81 | 14166.67 | 1657500.00 |
| 4 | 2026-04 | 16791.04 | 2624.38 | 14166.67 | 1643333.33 |
| 5 | 2026-05 | 16768.61 | 2601.94 | 14166.67 | 1629166.67 |
| 6 | 2026-06 | 16746.18 | 2579.51 | 14166.67 | 1615000.00 |
| 7 | 2026-07 | 16723.75 | 2557.08 | 14166.67 | 1600833.33 |
| 8 | 2026-08 | 16701.32 | 2534.65 | 14166.67 | 1586666.67 |
| 9 | 2026-09 | 16678.89 | 2512.22 | 14166.67 | 1572500.00 |
| 10 | 2026-10 | 16656.46 | 2489.79 | 14166.67 | 1558333.33 |
| 11 | 2026-11 | 16634.03 | 2467.36 | 14166.67 | 1544166.67 |
| 12 | 2026-12 | 16611.60 | 2444.93 | 14166.67 | 1530000.00 |
| 13 | 2027-01 | 16589.17 | 2422.50 | 14166.67 | 1515833.33 |
| 14 | 2027-02 | 16566.74 | 2400.07 | 14166.67 | 1501666.67 |
| 15 | 2027-03 | 16544.31 | 2377.64 | 14166.67 | 1487500.00 |
| 16 | 2027-04 | 16521.88 | 2355.21 | 14166.67 | 1473333.33 |
| 17 | 2027-05 | 16499.44 | 2332.78 | 14166.67 | 1459166.67 |
| 18 | 2027-06 | 16477.01 | 2310.35 | 14166.67 | 1445000.00 |
| 19 | 2027-07 | 16454.58 | 2287.92 | 14166.67 | 1430833.33 |
| 20 | 2027-08 | 16432.15 | 2265.49 | 14166.67 | 1416666.67 |
| 21 | 2027-09 | 16409.72 | 2243.06 | 14166.67 | 1402500.00 |
| 22 | 2027-10 | 16387.29 | 2220.63 | 14166.67 | 1388333.33 |
| 23 | 2027-11 | 16364.86 | 2198.19 | 14166.67 | 1374166.67 |
| 24 | 2027-12 | 16342.43 | 2175.76 | 14166.67 | 1360000.00 |
| 25 | 2028-01 | 16320.00 | 2153.33 | 14166.67 | 1345833.33 |
| 26 | 2028-02 | 16297.57 | 2130.90 | 14166.67 | 1331666.67 |
| 27 | 2028-03 | 16275.14 | 2108.47 | 14166.67 | 1317500.00 |
| 28 | 2028-04 | 16252.71 | 2086.04 | 14166.67 | 1303333.33 |
| 29 | 2028-05 | 16230.28 | 2063.61 | 14166.67 | 1289166.67 |
| 30 | 2028-06 | 16207.85 | 2041.18 | 14166.67 | 1275000.00 |
| 31 | 2028-07 | 16185.42 | 2018.75 | 14166.67 | 1260833.33 |
| 32 | 2028-08 | 16162.99 | 1996.32 | 14166.67 | 1246666.67 |
| 33 | 2028-09 | 16140.56 | 1973.89 | 14166.67 | 1232500.00 |
| 34 | 2028-10 | 16118.13 | 1951.46 | 14166.67 | 1218333.33 |
| 35 | 2028-11 | 16095.69 | 1929.03 | 14166.67 | 1204166.67 |
| 36 | 2028-12 | 16073.26 | 1906.60 | 14166.67 | 1190000.00 |
| 37 | 2029-01 | 16050.83 | 1884.17 | 14166.67 | 1175833.33 |
| 38 | 2029-02 | 16028.40 | 1861.74 | 14166.67 | 1161666.67 |
| 39 | 2029-03 | 16005.97 | 1839.31 | 14166.67 | 1147500.00 |
| 40 | 2029-04 | 15983.54 | 1816.88 | 14166.67 | 1133333.33 |
| 41 | 2029-05 | 15961.11 | 1794.44 | 14166.67 | 1119166.67 |
| 42 | 2029-06 | 15938.68 | 1772.01 | 14166.67 | 1105000.00 |
| 43 | 2029-07 | 15916.25 | 1749.58 | 14166.67 | 1090833.33 |
| 44 | 2029-08 | 15893.82 | 1727.15 | 14166.67 | 1076666.67 |
| 45 | 2029-09 | 15871.39 | 1704.72 | 14166.67 | 1062500.00 |
| 46 | 2029-10 | 15848.96 | 1682.29 | 14166.67 | 1048333.33 |
| 47 | 2029-11 | 15826.53 | 1659.86 | 14166.67 | 1034166.67 |
| 48 | 2029-12 | 15804.10 | 1637.43 | 14166.67 | 1020000.00 |
| 49 | 2030-01 | 15781.67 | 1615.00 | 14166.67 | 1005833.33 |
| 50 | 2030-02 | 15759.24 | 1592.57 | 14166.67 | 991666.67 |
| 51 | 2030-03 | 15736.81 | 1570.14 | 14166.67 | 977500.00 |
| 52 | 2030-04 | 15714.38 | 1547.71 | 14166.67 | 963333.33 |
| 53 | 2030-05 | 15691.94 | 1525.28 | 14166.67 | 949166.67 |
| 54 | 2030-06 | 15669.51 | 1502.85 | 14166.67 | 935000.00 |
| 55 | 2030-07 | 15647.08 | 1480.42 | 14166.67 | 920833.33 |
| 56 | 2030-08 | 15624.65 | 1457.99 | 14166.67 | 906666.67 |
| 57 | 2030-09 | 15602.22 | 1435.56 | 14166.67 | 892500.00 |
| 58 | 2030-10 | 15579.79 | 1413.13 | 14166.67 | 878333.33 |
| 59 | 2030-11 | 15557.36 | 1390.69 | 14166.67 | 864166.67 |
| 60 | 2030-12 | 15534.93 | 1368.26 | 14166.67 | 850000.00 |
| 61 | 2031-01 | 15512.50 | 1345.83 | 14166.67 | 835833.33 |
| 62 | 2031-02 | 15490.07 | 1323.40 | 14166.67 | 821666.67 |
| 63 | 2031-03 | 15467.64 | 1300.97 | 14166.67 | 807500.00 |
| 64 | 2031-04 | 15445.21 | 1278.54 | 14166.67 | 793333.33 |
| 65 | 2031-05 | 15422.78 | 1256.11 | 14166.67 | 779166.67 |
| 66 | 2031-06 | 15400.35 | 1233.68 | 14166.67 | 765000.00 |
| 67 | 2031-07 | 15377.92 | 1211.25 | 14166.67 | 750833.33 |
| 68 | 2031-08 | 15355.49 | 1188.82 | 14166.67 | 736666.67 |
| 69 | 2031-09 | 15333.06 | 1166.39 | 14166.67 | 722500.00 |
| 70 | 2031-10 | 15310.63 | 1143.96 | 14166.67 | 708333.33 |
| 71 | 2031-11 | 15288.19 | 1121.53 | 14166.67 | 694166.67 |
| 72 | 2031-12 | 15265.76 | 1099.10 | 14166.67 | 680000.00 |
| 73 | 2032-01 | 15243.33 | 1076.67 | 14166.67 | 665833.33 |
| 74 | 2032-02 | 15220.90 | 1054.24 | 14166.67 | 651666.67 |
| 75 | 2032-03 | 15198.47 | 1031.81 | 14166.67 | 637500.00 |
| 76 | 2032-04 | 15176.04 | 1009.38 | 14166.67 | 623333.33 |
| 77 | 2032-05 | 15153.61 | 986.94 | 14166.67 | 609166.67 |
| 78 | 2032-06 | 15131.18 | 964.51 | 14166.67 | 595000.00 |
| 79 | 2032-07 | 15108.75 | 942.08 | 14166.67 | 580833.33 |
| 80 | 2032-08 | 15086.32 | 919.65 | 14166.67 | 566666.67 |
| 81 | 2032-09 | 15063.89 | 897.22 | 14166.67 | 552500.00 |
| 82 | 2032-10 | 15041.46 | 874.79 | 14166.67 | 538333.33 |
| 83 | 2032-11 | 15019.03 | 852.36 | 14166.67 | 524166.67 |
| 84 | 2032-12 | 14996.60 | 829.93 | 14166.67 | 510000.00 |
| 85 | 2033-01 | 14974.17 | 807.50 | 14166.67 | 495833.33 |
| 86 | 2033-02 | 14951.74 | 785.07 | 14166.67 | 481666.67 |
| 87 | 2033-03 | 14929.31 | 762.64 | 14166.67 | 467500.00 |
| 88 | 2033-04 | 14906.88 | 740.21 | 14166.67 | 453333.33 |
| 89 | 2033-05 | 14884.44 | 717.78 | 14166.67 | 439166.67 |
| 90 | 2033-06 | 14862.01 | 695.35 | 14166.67 | 425000.00 |
| 91 | 2033-07 | 14839.58 | 672.92 | 14166.67 | 410833.33 |
| 92 | 2033-08 | 14817.15 | 650.49 | 14166.67 | 396666.67 |
| 93 | 2033-09 | 14794.72 | 628.06 | 14166.67 | 382500.00 |
| 94 | 2033-10 | 14772.29 | 605.63 | 14166.67 | 368333.33 |
| 95 | 2033-11 | 14749.86 | 583.19 | 14166.67 | 354166.67 |
| 96 | 2033-12 | 14727.43 | 560.76 | 14166.67 | 340000.00 |
| 97 | 2034-01 | 14705.00 | 538.33 | 14166.67 | 325833.33 |
| 98 | 2034-02 | 14682.57 | 515.90 | 14166.67 | 311666.67 |
| 99 | 2034-03 | 14660.14 | 493.47 | 14166.67 | 297500.00 |
| 100 | 2034-04 | 14637.71 | 471.04 | 14166.67 | 283333.33 |
| 101 | 2034-05 | 14615.28 | 448.61 | 14166.67 | 269166.67 |
| 102 | 2034-06 | 14592.85 | 426.18 | 14166.67 | 255000.00 |
| 103 | 2034-07 | 14570.42 | 403.75 | 14166.67 | 240833.33 |
| 104 | 2034-08 | 14547.99 | 381.32 | 14166.67 | 226666.67 |
| 105 | 2034-09 | 14525.56 | 358.89 | 14166.67 | 212500.00 |
| 106 | 2034-10 | 14503.13 | 336.46 | 14166.67 | 198333.33 |
| 107 | 2034-11 | 14480.69 | 314.03 | 14166.67 | 184166.67 |
| 108 | 2034-12 | 14458.26 | 291.60 | 14166.67 | 170000.00 |
| 109 | 2035-01 | 14435.83 | 269.17 | 14166.67 | 155833.33 |
| 110 | 2035-02 | 14413.40 | 246.74 | 14166.67 | 141666.67 |
| 111 | 2035-03 | 14390.97 | 224.31 | 14166.67 | 127500.00 |
| 112 | 2035-04 | 14368.54 | 201.88 | 14166.67 | 113333.33 |
| 113 | 2035-05 | 14346.11 | 179.44 | 14166.67 | 99166.67 |
| 114 | 2035-06 | 14323.68 | 157.01 | 14166.67 | 85000.00 |
| 115 | 2035-07 | 14301.25 | 134.58 | 14166.67 | 70833.33 |
| 116 | 2035-08 | 14278.82 | 112.15 | 14166.67 | 56666.67 |
| 117 | 2035-09 | 14256.39 | 89.72 | 14166.67 | 42500.00 |
| 118 | 2035-10 | 14233.96 | 67.29 | 14166.67 | 28333.33 |
| 119 | 2035-11 | 14211.53 | 44.86 | 14166.67 | 14166.67 |
| 120 | 2035-12 | 14189.10 | 22.43 | 14166.67 | 0.00 |
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采用2026年01月08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2026年01月08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。
2026年01月08日最新贷款计算器计算最新房贷基准利率，房贷利率表，提供贷款、商业贷款、公积金买房、个人按揭月供购房等银行房贷利率计算公式在线使用，2026年01月08日年最好用的房贷计算器,房贷利息计算专家。