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银行零售贷款等额本息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% | 公积金贷款 | 基准贷款 | 基准上浮10% | ||||||
| 月利率‰ | 首月还款额 | 月利率‰ | 首月还款额 | 月利率‰ | 首月还款额 | 月利率‰ | 首月还款额 | 月利率‰ | 首月还款额 | 月利率‰ | 首月还款额 | |
| 1 | 3.95250 | 一次结清 | 3.72000 | 一次结清 | 3.25500 | 一次结清 | 2.9250 | 一次结清 | 4.6500 | 一次结清 | 5.1150 | 一次结清 |
| 2 | 4.01625 | 437.906 | 3.78000 | 436.6389 | 3.30750 | 434.1113 | 2.9250 | 432.0716 | 4.7250 | 441.7206 | 5.1975 | 444.2748 |
| 3 | 4.01625 | 298.8992 | 3.78000 | 297.6302 | 3.30750 | 295.1020 | 2.9250 | 293.0651 | 4.7250 | 302.7264 | 5.1957 | 305.2944 |
| 4 | 4.20750 | 230.515 | 3.96000 | 229.1712 | 3.16500 | 226.4983 | 2.9250 | 223.6045 | 4.9500 | 234.5753 | 5.4450 | 237.3064 |
| 5 | 4.20750 | 188.9369 | 3.96000 | 187.5782 | 3.16500 | 184.8791 | 2.9250 | 181.9622 | 4.9500 | 193.0491 | 5.4450 | 195.8208 |
| 6 | 4.33500 | 161.988 | 4.08000 | 160.5674 | 3.57000 | 157.7492 | 3.3750 | 156.6798 | 5.1000 | 166.2959 | 5.6100 | 169.2061 |
| 7 | 4.33500 | 142.2902 | 4.08000 | 140.8509 | 3.57000 | 137.9992 | 3.3750 | 136.9183 | 5.1000 | 146.6615 | 5.6100 | 149.6201 |
| 8 | 4.33500 | 127.5631 | 4.08000 | 126.1047 | 3.57000 | 123.2183 | 3.3750 | 122.1255 | 5.1000 | 131.9994 | 5.6100 | 135.0073 |
| 9 | 4.33500 | 116.1497 | 4.08000 | 114.6717 | 3.57000 | 111.7500 | 3.3750 | 110.6449 | 5.1000 | 120.6518 | 5.6100 | 123.7096 |
| 10 | 4.33500 | 107.0556 | 4.08000 | 105.5579 | 3.57000 | 102.6004 | 3.3750 | 101.4829 | 5.1000 | 111.6241 | 5.6100 | 114.732 |
| 11 | 4.33500 | 99.6482 | 4.08000 | 98.1307 | 3.57000 | 95.1370 | 3.3750 | 94.0071 | 5.1000 | 104.2832 | 5.6100 | 107.4412 |
| 12 | 4.33500 | 93.5056 | 4.08000 | 91.9682 | 3.57000 | 88.9383 | 3.3750 | 87.7958 | 5.1000 | 98.2072 | 5.6100 | 101.415 |
| 13 | 4.33500 | 88.3358 | 4.08000 | 86.7785 | 3.57000 | 83.7123 | 3.3750 | 82.5572 | 5.1000 | 93.1037 | 5.6100 | 96.3613 |
| 14 | 4.33500 | 83.9301 | 4.08000 | 82.353 | 3.57000 | 79.2506 | 3.3750 | 78.0828 | 5.1000 | 88.7642 | 5.6100 | 92.071 |
| 15 | 4.33500 | 80.1356 | 4.08000 | 78.5387 | 3.57000 | 75.4000 | 3.3750 | 74.2196 | 5.1000 | 85.0354 | 5.6100 | 88.3912 |
| 16 | 4.33500 | 76.8375 | 4.08000 | 75.2208 | 3.57000 | 72.0461 | 3.3750 | 70.853 | 5.1000 | 81.8025 | 5.6100 | 85.2068 |
| 17 | 4.33500 | 73.9479 | 4.08000 | 72.3117 | 3.57000 | 69.1010 | 3.3750 | 67.8954 | 5.1000 | 78.9778 | 5.6100 | 82.4299 |
| 18 | 4.33500 | 71.3988 | 4.08000 | 69.7431 | 3.57000 | 66.4966 | 3.3750 | 65.2784 | 5.1000 | 76.4928 | 5.6100 | 79.9923 |
| 19 | 4.33500 | 69.136 | 4.08000 | 67.461 | 3.57000 | 64.1789 | 3.3750 | 62.9482 | 5.1000 | 74.2936 | 5.6100 | 77.8399 |
| 20 | 4.33500 | 67.1166 | 4.08000 | 65.4224 | 3.57000 | 62.1049 | 3.3750 | 60.8618 | 5.1000 | 72.3371 | 5.6100 | 75.9294 |
| 21 | 4.33500 | 65.3055 | 4.08000 | 63.5923 | 3.57000 | 60.2398 | 3.3750 | 58.9843 | 5.1000 | 70.5882 | 5.6100 | 74.2259 |
| 22 | 4.33500 | 63.6742 | 4.08000 | 61.9423 | 3.57000 | 58.5548 | 3.3750 | 57.287 | 5.1000 | 69.0184 | 5.6100 | 72.7008 |
| 23 | 4.33500 | 62.1991 | 4.08000 | 60.4486 | 3.57000 | 57.0265 | 3.3750 | 55.7465 | 5.1000 | 67.604 | 5.6100 | 71.3303 |
| 24 | 4.33500 | 60.865 | 4.08000 | 59.0915 | 3.57000 | 55.6352 | 3.3750 | 54.3435 | 5.1000 | 66.3253 | 5.6100 | 70.0948 |
| 25 | 4.33500 | 59.6419 | 4.08000 | 57.8547 | 3.57000 | 54.3644 | 3.3750 | 53.0602 | 5.1000 | 65.1657 | 5.6100 | 68.9775 |
| 26 | 4.33500 | 58.5293 | 4.08000 | 56.724 | 3.57000 | 53.2000 | 3.3750 | 51.8839 | 5.1000 | 64.1111 | 5.6100 | 67.9646 |
| 27 | 4.33500 | 57.5106 | 4.08000 | 55.6876 | 3.57000 | 52.1303 | 3.3750 | 50.8022 | 5.1000 | 63.1497 | 5.6100 | 67.044 |
| 28 | 4.33500 | 56.5758 | 4.08000 | 54.7352 | 3.57000 | 51.1449 | 3.3750 | 49.8051 | 5.1000 | 62.2712 | 5.6100 | 66.2054 |
| 29 | 4.33500 | 55.716 | 4.08000 | 53.858 | 3.57000 | 50.2351 | 3.3750 | 48.8836 | 5.1000 | 61.4668 | 5.6100 | 65.44 |
| 30 | 4.33500 | 54.9234 | 4.08000 | 53.0484 | 3.57000 | 49.3932 | 3.3750 | 48.0302 | 5.1000 | 60.7287 | 5.6100 | 64.7402 |
| 注: (1) 本表公供参考,以实际扣款额为准 | ||||||||||||
| (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。 | ||||||||||||
| (3)本表从2008年11月27日执行 | ||||||||||||