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银行零售贷款等额本金还款法每万元贷款月还款金额系数参考表 | |||||||||||||||
|
期限(年) |
住房贷款(基准下浮15%) |
基准下浮20% |
基准下浮30% |
基准贷款 |
基准上浮10% | ||||||||||
|
月利率‰ |
首月还款额 |
月减利息 |
月利率‰ |
首月还款额 |
月减利息 |
月利率‰ |
首月还款额 |
月减利息 |
月利率‰ |
首月还款额 |
月减利息 |
月利率‰ |
首月还款额 |
月减利息 | |
|
1 |
3.95250 |
一次结清 |
一次结清 |
3.72000 |
一次结清 |
一次结清 |
3.25500 |
一次结清 |
一次结清 |
5.5500 |
一次结清 |
一次结清 |
6.1050 |
一次结清 |
一次结清 |
|
2 |
4.01625 |
456.8292 |
1.6734 |
3.78000 |
454.4667 |
1.5750 |
3.30750 |
449.7417 |
1.3781 |
5.6250 |
472.9167 |
2.3438 |
6.1875 |
478.5417 |
2.5781 |
|
3 |
4.01625 |
317.9403 |
1.1156 |
3.78000 |
315.5778 |
1.0500 |
3.30750 |
310.8528 |
0.9187 |
5.6250 |
334.0278 |
1.5625 |
6.1875 |
339.6528 |
1.7188 |
|
4 |
4.20750 |
250.4083 |
0.8766 |
3.96000 |
247.9333 |
0.8250 |
3.46500 |
242.9833 |
0.7219 |
5.8500 |
266.8333 |
1.2188 |
6.4350 |
272.6833 |
1.3406 |
|
5 |
4.20750 |
208.7417 |
0.7012 |
3.96000 |
206.2667 |
0.6600 |
3.46500 |
201.3167 |
0.5775 |
5.8500 |
225.1667 |
0.9750 |
6.4350 |
231.0167 |
1.0725 |
|
6 |
4.33500 |
182.2389 |
0.6021 |
4.08000 |
179.6889 |
0.5667 |
3.57000 |
174.5889 |
0.4958 |
6.0000 |
198.8889 |
0.8333 |
6.6000 |
204.8889 |
0.9167 |
|
7 |
4.33500 |
162.3976 |
0.5161 |
4.08000 |
159.8476 |
0.4857 |
3.57000 |
154.7476 |
0.4250 |
6.0000 |
179.0476 |
0.7143 |
6.6000 |
185.0476 |
0.7857 |
|
8 |
4.33500 |
147.5167 |
0.4516 |
4.08000 |
144.9667 |
0.4250 |
3.57000 |
139.8667 |
0.3719 |
6.0000 |
164.1667 |
0.6250 |
6.6000 |
170.1667 |
0.6875 |
|
9 |
4.33500 |
135.9426 |
0.4014 |
4.08000 |
133.3926 |
0.3778 |
3.57000 |
128.2926 |
0.3306 |
6.0000 |
152.5926 |
0.5556 |
6.6000 |
158.5926 |
0.6111 |
|
10 |
4.33500 |
126.6833 |
0.3613 |
4.08000 |
124.1333 |
0.3400 |
3.57000 |
119.0333 |
0.2975 |
6.0000 |
143.3333 |
0.5000 |
6.6000 |
149.3333 |
0.5500 |
|
11 |
4.33500 |
119.1076 |
0.3284 |
4.08000 |
116.55576 |
0.3091 |
3.57000 |
111.4576 |
0.2705 |
6.0000 |
135.7576 |
0.4545 |
6.6000 |
141.7576 |
0.5000 |
|
12 |
4.33500 |
112.7944 |
0.3010 |
4.08000 |
110.2444 |
0.2833 |
3.57000 |
105.1444 |
0.2479 |
6.0000 |
129.4444 |
0.4167 |
6.6000 |
135.4444 |
0.4583 |
|
13 |
4.33500 |
107.4526 |
0.2779 |
4.08000 |
104.9026 |
0.2615 |
3.57000 |
99.8026 |
0.2288 |
6.0000 |
124.1026 |
0.3846 |
6.6000 |
130.1026 |
0.4231 |
|
14 |
4.33500 |
102.8738 |
0.2580 |
4.08000 |
100.3238 |
0.2429 |
3.57000 |
95.2238 |
0.2125 |
6.0000 |
119.5238 |
0.3571 |
6.6000 |
125.5238 |
0.3929 |
|
15 |
4.33500 |
98.9056 |
0.2408 |
4.08000 |
96.3556 |
0.2267 |
3.57000 |
91.2556 |
0.1983 |
6.0000 |
115.5556 |
0.3333 |
6.6000 |
121.5556 |
0.3667 |
|
16 |
4.33500 |
95.4333 |
0.2258 |
4.08000 |
92.8833 |
0.2125 |
3.57000 |
87.7833 |
0.1859 |
6.0000 |
112.0833 |
0.3125 |
6.6000 |
118.0833 |
0.3438 |
|
17 |
4.33500 |
92.3696 |
0.2125 |
4.08000 |
89.8196 |
0.2000 |
3.57000 |
84.7196 |
0.1750 |
6.0000 |
109.0196 |
0.2941 |
6.6000 |
115.0196 |
0.3235 |
|
18 |
4.33500 |
89.6463 |
0.2007 |
4.08000 |
87.0963 |
0.1889 |
3.57000 |
81.9963 |
0.1653 |
6.0000 |
106.2963 |
0.2778 |
6.6000 |
112.2963 |
0.3056 |
|
19 |
4.33500 |
87.2096 |
0.1901 |
4.08000 |
84.6596 |
0.1789 |
3.57000 |
79.5596 |
0.1566 |
6.0000 |
103.8596 |
0.2632 |
6.6000 |
109.8596 |
0.2895 |
|
20 |
4.33500 |
85.0167 |
0.1806 |
4.08000 |
82.4667 |
0.1700 |
3.57000 |
77.3667 |
0.1488 |
6.0000 |
101.6667 |
0.2500 |
6.6000 |
107.6667 |
0.2750 |
|
21 |
4.33500 |
83.0325 |
0.1720 |
4.08000 |
80.4825 |
0.1619 |
3.57000 |
75.3825 |
0.1417 |
6.0000 |
99.6825 |
0.2381 |
6.6000 |
105.6825 |
0.2619 |
|
22 |
4.33500 |
81.2288 |
0.1642 |
4.08000 |
78.6788 |
0.1545 |
3.57000 |
73.5788 |
0.1352 |
6.0000 |
97.8788 |
0.2273 |
6.6000 |
103.8788 |
0.2500 |
|
23 |
4.33500 |
79.5819 |
0.1571 |
4.08000 |
77.0319 |
0.1478 |
3.57000 |
71.9319 |
0.1293 |
6.0000 |
96.2319 |
0.2174 |
6.6000 |
102.2319 |
0.2391 |
|
24 |
4.33500 |
78.0722 |
0.1505 |
4.08000 |
75.5222 |
0.1417 |
3.57000 |
70.4222 |
0.1240 |
6.0000 |
94.7222 |
0.2083 |
6.6000 |
100.7222 |
0.2292 |
|
25 |
4.33500 |
76.6833 |
0.1445 |
4.08000 |
74.1333 |
0.1360 |
3.57000 |
69.0333 |
0.1190 |
6.0000 |
93.3333 |
0.2000 |
6.6000 |
99.3333 |
0.2200 |
|
26 |
4.33500 |
75.4013 |
0.1389 |
4.08000 |
72.8513 |
0.1308 |
3.57000 |
67.7513 |
0.1144 |
6.0000 |
92.0513 |
0.1923 |
6.6000 |
98.0513 |
0.2115 |
|
27 |
4.33500 |
74.2142 |
0.1338 |
4.08000 |
71.6642 |
0.1259 |
3.57000 |
66.5642 |
0.1102 |
6.0000 |
90.8642 |
0.1852 |
6.6000 |
96.8642 |
0.2037 |
|
28 |
4.33500 |
73.1119 |
0.1290 |
4.08000 |
70.5619 |
0.1214 |
3.57000 |
65.4619 |
0.1063 |
6.0000 |
89.7619 |
0.1786 |
6.6000 |
95.7619 |
0.1964 |
|
29 |
4.33500 |
72.0856 |
0.1246 |
4.08000 |
69.5356 |
0.1172 |
3.57000 |
64.4356 |
0.1026 |
6.0000 |
88.7356 |
0.1724 |
6.6000 |
94.7356 |
0.1897 |
|
30 |
4.33500 |
71.1278 |
0.1204 |
4.08000 |
68.5778 |
0.1133 |
3.57000 |
63.4778 |
0.0992 |
6.0000 |
87.7778 |
0.1667 |
6.6000 |
93.7778 |
0.1833 |
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注: (1) 本表公供参考,以实际扣款额为准 | |||||||||||||||
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(2)一年以上贷款、按月归还贷款本息，遇利率调整，按合同约定时间调整。 | |||||||||||||||
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(3)本表从2008年10月30日执行 | |||||||||||||||