| 个人住房贷款万元月供款表 |
| 年限(年) |
供款期数(期) |
个人住房公积金贷款 |
个人住房商业性贷款（下限利率） |
个人商业用房贷款 |
| 月利率(‰) |
年利率(％) |
月供款额(元) |
月利率(‰) |
年利率(％) |
月供款额(元) |
月利率(‰) |
年利率(％) |
月供款额(元) |
| 1 |
12 |
3.450 |
4.140 |
852.14 |
4.3875 |
5.265 |
857.29 |
4.875 |
5.850 |
859.98 |
| 2 |
24 |
3.450 |
4.140 |
434.87 |
4.5225 |
5.427 |
440.63 |
5.025 |
6.030 |
443.34 |
| 3 |
36 |
3.450 |
4.140 |
295.86 |
4.5225 |
5.427 |
301.63 |
5.025 |
6.030 |
304.36 |
| 4 |
48 |
3.450 |
4.140 |
226.42 |
4.590 |
5.508 |
232.60 |
5.100 |
6.120 |
235.40 |
| 5 |
60 |
3.450 |
4.140 |
184.80 |
4.590 |
5.508 |
191.05 |
5.100 |
6.120 |
193.89 |
| 6 |
72 |
3.825 |
4.590 |
159.15 |
4.7925 |
5.751 |
164.56 |
5.325 |
6.390 |
167.58 |
| 7 |
84 |
3.825 |
4.590 |
139.42 |
4.7925 |
5.751 |
144.89 |
5.325 |
6.390 |
147.96 |
| 8 |
96 |
3.825 |
4.590 |
124.66 |
4.7925 |
5.751 |
130.21 |
5.325 |
6.390 |
133.32 |
| 9 |
108 |
3.825 |
4.590 |
113.21 |
4.7925 |
5.751 |
118.83 |
5.325 |
6.390 |
122.00 |
| 10 |
120 |
3.825 |
4.590 |
104.07 |
4.7925 |
5.751 |
109.77 |
5.325 |
6.390 |
112.99 |
| 11 |
132 |
3.825 |
4.590 |
96.63 |
4.7925 |
5.751 |
102.41 |
5.325 |
6.390 |
105.67 |
| 12 |
144 |
3.825 |
4.590 |
90.45 |
4.7925 |
5.751 |
96.30 |
5.325 |
6.390 |
99.62 |
| 13 |
156 |
3.825 |
4.590 |
85.24 |
4.7925 |
5.751 |
91.17 |
5.325 |
6.390 |
94.53 |
| 14 |
168 |
3.825 |
4.590 |
80.79 |
4.7925 |
5.751 |
86.80 |
5.325 |
6.390 |
90.21 |
| 15 |
180 |
3.825 |
4.590 |
76.96 |
4.7925 |
5.751 |
83.05 |
5.325 |
6.390 |
86.51 |
| 16 |
192 |
3.825 |
4.590 |
73.62 |
4.7925 |
5.751 |
79.79 |
5.325 |
6.390 |
83.30 |
| 17 |
204 |
3.825 |
4.590 |
70.70 |
4.7925 |
5.751 |
76.93 |
5.325 |
6.390 |
80.49 |
| 18 |
216 |
3.825 |
4.590 |
68.11 |
4.7925 |
5.751 |
74.42 |
5.325 |
6.390 |
78.03 |
| 19 |
228 |
3.825 |
4.590 |
65.81 |
4.7925 |
5.751 |
72.20 |
5.325 |
6.390 |
75.85 |
| 20 |
240 |
3.825 |
4.590 |
63.75 |
4.7925 |
5.751 |
70.21 |
5.325 |
6.390 |
73.91 |
| 21 |
252 |
3.825 |
4.590 |
61.90 |
4.7925 |
5.751 |
68.44 |
5.325 |
6.390 |
72.18 |
| 22 |
264 |
3.825 |
4.590 |
60.24 |
4.7925 |
5.751 |
66.84 |
5.325 |
6.390 |
70.63 |
| 23 |
276 |
3.825 |
4.590 |
58.72 |
4.7925 |
5.751 |
65.40 |
5.325 |
6.390 |
69.24 |
| 24 |
288 |
3.825 |
4.590 |
57.35 |
4.7925 |
5.751 |
64.10 |
5.325 |
6.390 |
67.98 |
| 25 |
300 |
3.825 |
4.590 |
56.10 |
4.7925 |
5.751 |
62.92 |
5.325 |
6.390 |
66.83 |
| 26 |
312 |
3.825 |
4.590 |
54.95 |
4.7925 |
5.751 |
61.84 |
5.325 |
6.390 |
65.80 |
| 27 |
324 |
3.825 |
4.590 |
53.89 |
4.7925 |
5.751 |
60.85 |
5.325 |
6.390 |
64.85 |
| 28 |
336 |
3.825 |
4.590 |
52.92 |
4.7925 |
5.751 |
59.95 |
5.325 |
6.390 |
63.99 |
| 29 |
348 |
3.825 |
4.590 |
52.03 |
4.7925 |
5.751 |
59.12 |
5.325 |
6.390 |
63.21 |
| 30 |
360 |
3.825 |
4.590 |
51.20 |
4.7925 |
5.751 |
58.36 |
5.325 |
6.390 |
62.49 |
| |
| 说明 |
1.此利率表从2006年4月28日起执行,由中国人民银行制订。根据规定，个人住房贷款利率上限放宽，实行下限管理，下限利率水平为相应期限档次贷款基准利率的0.9倍。 |
| 2.个人住房贷款年限为一年的,实行到期一次还本付息 |
| 3.每月供款额举例:若贷款30万元按揭15年，对比上表,15年(180期)的个人住房商业性贷款的万元每月供款额83.05元，则30万每月供款83.05X30=2491.5元。 |
| 4、个人住房贷款利率以中国人民银行最新公布的利率为准。 |
| 还款 方式 |
等额本息还款（简称：等额法），即每月还款额相同，便于安排家庭收支计划。 |
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| 等额本金还款（简称：递减法），即每月归还的本金不变，利息逐月递减。 |
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