个人住房贷款利率及万元还款对照表
| 期限(年) |
商业性贷款 |
公积金贷款 |
||||
| 年利率 |
月利率 |
月还款额 |
年利率 |
月利率 |
月还款额 |
|
| 1 |
4.95 |
4.125 |
一次还本 |
3.78 |
3.15 |
一次还本 |
| 2 |
4.95 |
4.125 |
438.49 |
3.78 |
3.15 |
433.27 |
| 3 |
4.95 |
4.125 |
299.48 |
3.78 |
3.15 |
294.26 |
| 4 |
4.95 |
4.125 |
230.07 |
3.78 |
3.15 |
224.81 |
| 5 |
4.95 |
4.125 |
188.48 |
3.78 |
3.15 |
183.17 |
| 6 |
5.31 |
4.425 |
162.19 |
4.23 |
3.525 |
157.50 |
| 7 |
5.31 |
4.425 |
142.80 |
4.23 |
3.525 |
137.75 |
| 8 |
5.31 |
4.425 |
128.08 |
4.23 |
3.525 |
122.97 |
| 9 |
5.31 |
4.425 |
116.67 |
4.23 |
3.525 |
111.49 |
| 10 |
5.31 |
4.425 |
107.59 |
4.23 |
3.525 |
102.34 |
| 11 |
5.31 |
4.425 |
100.19 |
4.23 |
3.525 |
94.88 |
| 12 |
5.31 |
4.425 |
94.05 |
4.23 |
3.525 |
88.67 |
| 13 |
5.31 |
4.425 |
88.89 |
4.23 |
3.525 |
83.44 |
| 14 |
5.31 |
4.425 |
84.49 |
4.23 |
3.525 |
78.98 |
| 15 |
5.31 |
4.425 |
80.70 |
4.23 |
3.525 |
75.13 |
| 16 |
5.31 |
4.425 |
77.41 |
4.23 |
3.525 |
71.77 |
| 17 |
5.31 |
4.425 |
74.53 |
4.23 |
3.525 |
68.82 |
| 18 |
5.31 |
4.425 |
71.99 |
4.23 |
3.525 |
66.21 |
| 19 |
5.31 |
4.425 |
69.73 |
4.23 |
3.525 |
63.89 |
| 20 |
5.31 |
4.425 |
67.72 |
4.23 |
3.525 |
61.82 |
| 21 |
5.31 |
4.425 |
65.92 |
4.23 |
3.525 |
59.95 |
| 22 |
5.31 |
4.425 |
64.29 |
4.23 |
3.525 |
58.26 |
| 23 |
5.31 |
4.425 |
62.82 |
4.23 |
3.525 |
56.73 |
| 24 |
5.31 |
4.425 |
61.49 |
4.23 |
3.525 |
55.34 |
| 25 |
5.31 |
4.425 |
60.28 |
4.23 |
3.525 |
54.06 |
| 26 |
5.31 |
4.425 |
59.17 |
4.23 |
3.525 |
52.89 |
| 27 |
5.31 |
4.425 |
58.16 |
4.23 |
3.525 |
51.82 |
| 28 |
5.31 |
4.425 |
57.23 |
4.23 |
3.525 |
50.83 |
| 29 |
5.31 |
4.425 |
56.38 |
4.23 |
3.525 |
49.92 |
| 30 |
5.31 |
4.425 |
55.59 |
4.23 |
3.525 |
49.08 |
贷款相关费用
1、 印花税:贷款金额×0.5‰
2、 保险费:贷款金额0.5‰(贷款费率)×贷款年限
3、 公证费:以公证处收费标准为准
4、 抵押登记费:85元/笔(以房地局收取费用标准为准)