个人住房贷款利率 公积金贷款利率
一、商业贷款
个人住房贷款利率
| 贷款期限 |
一至五年(含) |
六至三十年(含) |
| 月利率(‰) |
4.125 |
4.425 |
| 年利率(%) |
4.95 |
5.31 |
个人住房贷款月均还款金额
一至二十五年（借款额为壹万元）单位：元
| 借款金额 |
借款月数 |
借款年数 |
借款年利率％ |
借款月利率‰ |
还款总额 |
利息总和 |
月还款金额 |
| ￥10,000 |
12 |
1 |
4.95 |
4.125 |
10495 |
495 |
利随本清 |
| ￥10,000 |
24 |
2 |
4.95 |
4.125 |
10523.77 |
523.77 |
￥438.49 |
| ￥10,000 |
36 |
3 |
4.95 |
4.125 |
10781.43 |
781.43 |
￥299.48 |
| ￥10,000 |
48 |
4 |
4.95 |
4.125 |
11043.15 |
1043.15 |
￥230.07 |
| ￥10,000 |
60 |
5 |
4.95 |
4.125 |
11309.06 |
1309.06 |
￥188.48 |
| ￥10,000 |
72 |
6 |
5.31 |
4.425 |
11699.37 |
1699.37 |
￥162.49 |
| ￥10,000 |
84 |
7 |
5.31 |
4.425 |
11995.3 |
1995.3 |
￥142.80 |
| ￥10,000 |
96 |
8 |
5.31 |
4.425 |
12295.75 |
2295.75 |
￥128.08 |
| ￥10,000 |
108 |
9 |
5.31 |
4.425 |
12600.92 |
2600.92 |
￥116.67 |
| ￥10,000 |
120 |
10 |
5.31 |
4.425 |
12910.4 |
2910.4 |
￥107.59 |
| ￥10,000 |
132 |
11 |
5.31 |
4.425 |
13224.48 |
3224.48 |
￥100.19 |
| ￥10,000 |
144 |
12 |
5.31 |
4.425 |
13543.53 |
3543.53 |
￥94.05 |
| ￥10,000 |
156 |
13 |
5.31 |
4.425 |
13866.65 |
3866.65 |
￥88.89 |
| ￥10,000 |
168 |
14 |
5.31 |
4.425 |
14194.49 |
4194.49 |
￥84.49 |
| ￥10,000 |
180 |
15 |
5.31 |
4.425 |
14527.06 |
4527.06 |
￥80.70 |
| ￥10,000 |
192 |
16 |
5.31 |
4.425 |
14863.58 |
4863.58 |
￥77.41 |
| ￥10,000 |
204 |
17 |
5.31 |
4.425 |
15204.28 |
5204.28 |
￥74.53 |
| ￥10,000 |
216 |
18 |
5.31 |
4.425 |
15549.28 |
5549.28 |
￥71.99 |
| ￥10,000 |
228 |
19 |
5.31 |
4.425 |
15899.39 |
5899.39 |
￥69.73 |
| ￥10,000 |
240 |
20 |
5.31 |
4.425 |
16252.75 |
6252.75 |
￥67.72 |
| ￥10,000 |
252 |
21 |
5.31 |
4.425 |
16609.92 |
6609.92 |
￥65.92 |
| ￥10,000 |
264 |
22 |
5.31 |
4.425 |
16973.31 |
6973.31 |
￥64.29 |
| ￥10,000 |
276 |
23 |
5.31 |
4.425 |
17340.14 |
7340.14 |
￥62.82 |
| ￥10,000 |
288 |
24 |
5.31 |
4.425 |
17709.85 |
7709.85 |
￥61.49 |
| ￥10,000 |
300 |
25 |
5.31 |
4.425 |
18083.6 |
8083.6 |
￥60.28 |
说明：上述利率自2004年11月1日开始执行。
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