贷款32.56万（商业贷款）的房贷，还款10年3个月的等额本息和等额本金，有两种还款方式明细说明解析。
还款方式一：等额本息
贷款总额：32.56万
还款月数：10年3个月
每月还款：3215.59元
利息总额：6.99万
本息合计：39.55万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 3215.59 | 1058.18 | 2157.41 | 323436.36 |
| 2 | 2024-12 | 3215.59 | 1051.17 | 2164.43 | 321271.93 |
| 3 | 2025-01 | 3215.59 | 1044.13 | 2171.46 | 319100.47 |
| 4 | 2025-02 | 3215.59 | 1037.08 | 2178.52 | 316921.96 |
| 5 | 2025-03 | 3215.59 | 1030.00 | 2185.60 | 314736.36 |
| 6 | 2025-04 | 3215.59 | 1022.89 | 2192.70 | 312543.66 |
| 7 | 2025-05 | 3215.59 | 1015.77 | 2199.83 | 310343.83 |
| 8 | 2025-06 | 3215.59 | 1008.62 | 2206.98 | 308136.86 |
| 9 | 2025-07 | 3215.59 | 1001.44 | 2214.15 | 305922.71 |
| 10 | 2025-08 | 3215.59 | 994.25 | 2221.34 | 303701.36 |
| 11 | 2025-09 | 3215.59 | 987.03 | 2228.56 | 301472.80 |
| 12 | 2025-10 | 3215.59 | 979.79 | 2235.81 | 299236.99 |
| 13 | 2025-11 | 3215.59 | 972.52 | 2243.07 | 296993.92 |
| 14 | 2025-12 | 3215.59 | 965.23 | 2250.36 | 294743.56 |
| 15 | 2026-01 | 3215.59 | 957.92 | 2257.68 | 292485.88 |
| 16 | 2026-02 | 3215.59 | 950.58 | 2265.01 | 290220.87 |
| 17 | 2026-03 | 3215.59 | 943.22 | 2272.38 | 287948.49 |
| 18 | 2026-04 | 3215.59 | 935.83 | 2279.76 | 285668.73 |
| 19 | 2026-05 | 3215.59 | 928.42 | 2287.17 | 283381.56 |
| 20 | 2026-06 | 3215.59 | 920.99 | 2294.60 | 281086.96 |
| 21 | 2026-07 | 3215.59 | 913.53 | 2302.06 | 278784.90 |
| 22 | 2026-08 | 3215.59 | 906.05 | 2309.54 | 276475.35 |
| 23 | 2026-09 | 3215.59 | 898.54 | 2317.05 | 274158.30 |
| 24 | 2026-10 | 3215.59 | 891.01 | 2324.58 | 271833.73 |
| 25 | 2026-11 | 3215.59 | 883.46 | 2332.13 | 269501.59 |
| 26 | 2026-12 | 3215.59 | 875.88 | 2339.71 | 267161.88 |
| 27 | 2027-01 | 3215.59 | 868.28 | 2347.32 | 264814.56 |
| 28 | 2027-02 | 3215.59 | 860.65 | 2354.95 | 262459.62 |
| 29 | 2027-03 | 3215.59 | 852.99 | 2362.60 | 260097.02 |
| 30 | 2027-04 | 3215.59 | 845.32 | 2370.28 | 257726.74 |
| 31 | 2027-05 | 3215.59 | 837.61 | 2377.98 | 255348.76 |
| 32 | 2027-06 | 3215.59 | 829.88 | 2385.71 | 252963.05 |
| 33 | 2027-07 | 3215.59 | 822.13 | 2393.46 | 250569.58 |
| 34 | 2027-08 | 3215.59 | 814.35 | 2401.24 | 248168.34 |
| 35 | 2027-09 | 3215.59 | 806.55 | 2409.05 | 245759.30 |
| 36 | 2027-10 | 3215.59 | 798.72 | 2416.88 | 243342.42 |
| 37 | 2027-11 | 3215.59 | 790.86 | 2424.73 | 240917.69 |
| 38 | 2027-12 | 3215.59 | 782.98 | 2432.61 | 238485.08 |
| 39 | 2028-01 | 3215.59 | 775.08 | 2440.52 | 236044.56 |
| 40 | 2028-02 | 3215.59 | 767.14 | 2448.45 | 233596.11 |
| 41 | 2028-03 | 3215.59 | 759.19 | 2456.41 | 231139.71 |
| 42 | 2028-04 | 3215.59 | 751.20 | 2464.39 | 228675.32 |
| 43 | 2028-05 | 3215.59 | 743.19 | 2472.40 | 226202.92 |
| 44 | 2028-06 | 3215.59 | 735.16 | 2480.43 | 223722.49 |
| 45 | 2028-07 | 3215.59 | 727.10 | 2488.50 | 221233.99 |
| 46 | 2028-08 | 3215.59 | 719.01 | 2496.58 | 218737.41 |
| 47 | 2028-09 | 3215.59 | 710.90 | 2504.70 | 216232.71 |
| 48 | 2028-10 | 3215.59 | 702.76 | 2512.84 | 213719.87 |
| 49 | 2028-11 | 3215.59 | 694.59 | 2521.00 | 211198.87 |
| 50 | 2028-12 | 3215.59 | 686.40 | 2529.20 | 208669.67 |
| 51 | 2029-01 | 3215.59 | 678.18 | 2537.42 | 206132.26 |
| 52 | 2029-02 | 3215.59 | 669.93 | 2545.66 | 203586.59 |
| 53 | 2029-03 | 3215.59 | 661.66 | 2553.94 | 201032.66 |
| 54 | 2029-04 | 3215.59 | 653.36 | 2562.24 | 198470.42 |
| 55 | 2029-05 | 3215.59 | 645.03 | 2570.56 | 195899.85 |
| 56 | 2029-06 | 3215.59 | 636.67 | 2578.92 | 193320.94 |
| 57 | 2029-07 | 3215.59 | 628.29 | 2587.30 | 190733.64 |
| 58 | 2029-08 | 3215.59 | 619.88 | 2595.71 | 188137.93 |
| 59 | 2029-09 | 3215.59 | 611.45 | 2604.15 | 185533.78 |
| 60 | 2029-10 | 3215.59 | 602.98 | 2612.61 | 182921.17 |
| 61 | 2029-11 | 3215.59 | 594.49 | 2621.10 | 180300.07 |
| 62 | 2029-12 | 3215.59 | 585.98 | 2629.62 | 177670.46 |
| 63 | 2030-01 | 3215.59 | 577.43 | 2638.16 | 175032.29 |
| 64 | 2030-02 | 3215.59 | 568.85 | 2646.74 | 172385.55 |
| 65 | 2030-03 | 3215.59 | 560.25 | 2655.34 | 169730.21 |
| 66 | 2030-04 | 3215.59 | 551.62 | 2663.97 | 167066.24 |
| 67 | 2030-05 | 3215.59 | 542.97 | 2672.63 | 164393.61 |
| 68 | 2030-06 | 3215.59 | 534.28 | 2681.31 | 161712.30 |
| 69 | 2030-07 | 3215.59 | 525.56 | 2690.03 | 159022.27 |
| 70 | 2030-08 | 3215.59 | 516.82 | 2698.77 | 156323.50 |
| 71 | 2030-09 | 3215.59 | 508.05 | 2707.54 | 153615.96 |
| 72 | 2030-10 | 3215.59 | 499.25 | 2716.34 | 150899.62 |
| 73 | 2030-11 | 3215.59 | 490.42 | 2725.17 | 148174.45 |
| 74 | 2030-12 | 3215.59 | 481.57 | 2734.03 | 145440.42 |
| 75 | 2031-01 | 3215.59 | 472.68 | 2742.91 | 142697.51 |
| 76 | 2031-02 | 3215.59 | 463.77 | 2751.83 | 139945.68 |
| 77 | 2031-03 | 3215.59 | 454.82 | 2760.77 | 137184.91 |
| 78 | 2031-04 | 3215.59 | 445.85 | 2769.74 | 134415.17 |
| 79 | 2031-05 | 3215.59 | 436.85 | 2778.74 | 131636.43 |
| 80 | 2031-06 | 3215.59 | 427.82 | 2787.77 | 128848.65 |
| 81 | 2031-07 | 3215.59 | 418.76 | 2796.84 | 126051.82 |
| 82 | 2031-08 | 3215.59 | 409.67 | 2805.92 | 123245.89 |
| 83 | 2031-09 | 3215.59 | 400.55 | 2815.04 | 120430.85 |
| 84 | 2031-10 | 3215.59 | 391.40 | 2824.19 | 117606.66 |
| 85 | 2031-11 | 3215.59 | 382.22 | 2833.37 | 114773.28 |
| 86 | 2031-12 | 3215.59 | 373.01 | 2842.58 | 111930.70 |
| 87 | 2032-01 | 3215.59 | 363.77 | 2851.82 | 109078.88 |
| 88 | 2032-02 | 3215.59 | 354.51 | 2861.09 | 106217.80 |
| 89 | 2032-03 | 3215.59 | 345.21 | 2870.39 | 103347.41 |
| 90 | 2032-04 | 3215.59 | 335.88 | 2879.71 | 100467.70 |
| 91 | 2032-05 | 3215.59 | 326.52 | 2889.07 | 97578.62 |
| 92 | 2032-06 | 3215.59 | 317.13 | 2898.46 | 94680.16 |
| 93 | 2032-07 | 3215.59 | 307.71 | 2907.88 | 91772.28 |
| 94 | 2032-08 | 3215.59 | 298.26 | 2917.33 | 88854.95 |
| 95 | 2032-09 | 3215.59 | 288.78 | 2926.81 | 85928.13 |
| 96 | 2032-10 | 3215.59 | 279.27 | 2936.33 | 82991.80 |
| 97 | 2032-11 | 3215.59 | 269.72 | 2945.87 | 80045.93 |
| 98 | 2032-12 | 3215.59 | 260.15 | 2955.44 | 77090.49 |
| 99 | 2033-01 | 3215.59 | 250.54 | 2965.05 | 74125.44 |
| 100 | 2033-02 | 3215.59 | 240.91 | 2974.69 | 71150.76 |
| 101 | 2033-03 | 3215.59 | 231.24 | 2984.35 | 68166.40 |
| 102 | 2033-04 | 3215.59 | 221.54 | 2994.05 | 65172.35 |
| 103 | 2033-05 | 3215.59 | 211.81 | 3003.78 | 62168.57 |
| 104 | 2033-06 | 3215.59 | 202.05 | 3013.55 | 59155.02 |
| 105 | 2033-07 | 3215.59 | 192.25 | 3023.34 | 56131.68 |
| 106 | 2033-08 | 3215.59 | 182.43 | 3033.17 | 53098.52 |
| 107 | 2033-09 | 3215.59 | 172.57 | 3043.02 | 50055.49 |
| 108 | 2033-10 | 3215.59 | 162.68 | 3052.91 | 47002.58 |
| 109 | 2033-11 | 3215.59 | 152.76 | 3062.83 | 43939.75 |
| 110 | 2033-12 | 3215.59 | 142.80 | 3072.79 | 40866.96 |
| 111 | 2034-01 | 3215.59 | 132.82 | 3082.78 | 37784.18 |
| 112 | 2034-02 | 3215.59 | 122.80 | 3092.79 | 34691.39 |
| 113 | 2034-03 | 3215.59 | 112.75 | 3102.85 | 31588.54 |
| 114 | 2034-04 | 3215.59 | 102.66 | 3112.93 | 28475.61 |
| 115 | 2034-05 | 3215.59 | 92.55 | 3123.05 | 25352.56 |
| 116 | 2034-06 | 3215.59 | 82.40 | 3133.20 | 22219.36 |
| 117 | 2034-07 | 3215.59 | 72.21 | 3143.38 | 19075.98 |
| 118 | 2034-08 | 3215.59 | 62.00 | 3153.60 | 15922.39 |
| 119 | 2034-09 | 3215.59 | 51.75 | 3163.85 | 12758.54 |
| 120 | 2034-10 | 3215.59 | 41.47 | 3174.13 | 9584.41 |
| 121 | 2034-11 | 3215.59 | 31.15 | 3184.44 | 6399.97 |
| 122 | 2034-12 | 3215.59 | 20.80 | 3194.79 | 3205.18 |
| 123 | 2035-01 | 3215.59 | 10.42 | 3205.18 | 0.00 |
还款方式二：等额本金
贷款总额：32.56万
还款月数：10年3个月
首月还款：3705.28元
每月递减：8.6元
利息总额：6.56万
本息合计：39.12万
节省利息：4317.06元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-11 | 3705.28 | 1058.18 | 2647.10 | 322946.67 |
| 2 | 2024-12 | 3696.68 | 1049.58 | 2647.10 | 320299.56 |
| 3 | 2025-01 | 3688.08 | 1040.97 | 2647.10 | 317652.46 |
| 4 | 2025-02 | 3679.47 | 1032.37 | 2647.10 | 315005.35 |
| 5 | 2025-03 | 3670.87 | 1023.77 | 2647.10 | 312358.25 |
| 6 | 2025-04 | 3662.27 | 1015.16 | 2647.10 | 309711.15 |
| 7 | 2025-05 | 3653.67 | 1006.56 | 2647.10 | 307064.04 |
| 8 | 2025-06 | 3645.06 | 997.96 | 2647.10 | 304416.94 |
| 9 | 2025-07 | 3636.46 | 989.36 | 2647.10 | 301769.84 |
| 10 | 2025-08 | 3627.86 | 980.75 | 2647.10 | 299122.73 |
| 11 | 2025-09 | 3619.25 | 972.15 | 2647.10 | 296475.63 |
| 12 | 2025-10 | 3610.65 | 963.55 | 2647.10 | 293828.52 |
| 13 | 2025-11 | 3602.05 | 954.94 | 2647.10 | 291181.42 |
| 14 | 2025-12 | 3593.44 | 946.34 | 2647.10 | 288534.32 |
| 15 | 2026-01 | 3584.84 | 937.74 | 2647.10 | 285887.21 |
| 16 | 2026-02 | 3576.24 | 929.13 | 2647.10 | 283240.11 |
| 17 | 2026-03 | 3567.63 | 920.53 | 2647.10 | 280593.01 |
| 18 | 2026-04 | 3559.03 | 911.93 | 2647.10 | 277945.90 |
| 19 | 2026-05 | 3550.43 | 903.32 | 2647.10 | 275298.80 |
| 20 | 2026-06 | 3541.82 | 894.72 | 2647.10 | 272651.69 |
| 21 | 2026-07 | 3533.22 | 886.12 | 2647.10 | 270004.59 |
| 22 | 2026-08 | 3524.62 | 877.51 | 2647.10 | 267357.49 |
| 23 | 2026-09 | 3516.02 | 868.91 | 2647.10 | 264710.38 |
| 24 | 2026-10 | 3507.41 | 860.31 | 2647.10 | 262063.28 |
| 25 | 2026-11 | 3498.81 | 851.71 | 2647.10 | 259416.17 |
| 26 | 2026-12 | 3490.21 | 843.10 | 2647.10 | 256769.07 |
| 27 | 2027-01 | 3481.60 | 834.50 | 2647.10 | 254121.97 |
| 28 | 2027-02 | 3473.00 | 825.90 | 2647.10 | 251474.86 |
| 29 | 2027-03 | 3464.40 | 817.29 | 2647.10 | 248827.76 |
| 30 | 2027-04 | 3455.79 | 808.69 | 2647.10 | 246180.66 |
| 31 | 2027-05 | 3447.19 | 800.09 | 2647.10 | 243533.55 |
| 32 | 2027-06 | 3438.59 | 791.48 | 2647.10 | 240886.45 |
| 33 | 2027-07 | 3429.98 | 782.88 | 2647.10 | 238239.34 |
| 34 | 2027-08 | 3421.38 | 774.28 | 2647.10 | 235592.24 |
| 35 | 2027-09 | 3412.78 | 765.67 | 2647.10 | 232945.14 |
| 36 | 2027-10 | 3404.18 | 757.07 | 2647.10 | 230298.03 |
| 37 | 2027-11 | 3395.57 | 748.47 | 2647.10 | 227650.93 |
| 38 | 2027-12 | 3386.97 | 739.87 | 2647.10 | 225003.82 |
| 39 | 2028-01 | 3378.37 | 731.26 | 2647.10 | 222356.72 |
| 40 | 2028-02 | 3369.76 | 722.66 | 2647.10 | 219709.62 |
| 41 | 2028-03 | 3361.16 | 714.06 | 2647.10 | 217062.51 |
| 42 | 2028-04 | 3352.56 | 705.45 | 2647.10 | 214415.41 |
| 43 | 2028-05 | 3343.95 | 696.85 | 2647.10 | 211768.31 |
| 44 | 2028-06 | 3335.35 | 688.25 | 2647.10 | 209121.20 |
| 45 | 2028-07 | 3326.75 | 679.64 | 2647.10 | 206474.10 |
| 46 | 2028-08 | 3318.14 | 671.04 | 2647.10 | 203826.99 |
| 47 | 2028-09 | 3309.54 | 662.44 | 2647.10 | 201179.89 |
| 48 | 2028-10 | 3300.94 | 653.83 | 2647.10 | 198532.79 |
| 49 | 2028-11 | 3292.34 | 645.23 | 2647.10 | 195885.68 |
| 50 | 2028-12 | 3283.73 | 636.63 | 2647.10 | 193238.58 |
| 51 | 2029-01 | 3275.13 | 628.03 | 2647.10 | 190591.48 |
| 52 | 2029-02 | 3266.53 | 619.42 | 2647.10 | 187944.37 |
| 53 | 2029-03 | 3257.92 | 610.82 | 2647.10 | 185297.27 |
| 54 | 2029-04 | 3249.32 | 602.22 | 2647.10 | 182650.16 |
| 55 | 2029-05 | 3240.72 | 593.61 | 2647.10 | 180003.06 |
| 56 | 2029-06 | 3232.11 | 585.01 | 2647.10 | 177355.96 |
| 57 | 2029-07 | 3223.51 | 576.41 | 2647.10 | 174708.85 |
| 58 | 2029-08 | 3214.91 | 567.80 | 2647.10 | 172061.75 |
| 59 | 2029-09 | 3206.30 | 559.20 | 2647.10 | 169414.64 |
| 60 | 2029-10 | 3197.70 | 550.60 | 2647.10 | 166767.54 |
| 61 | 2029-11 | 3189.10 | 541.99 | 2647.10 | 164120.44 |
| 62 | 2029-12 | 3180.50 | 533.39 | 2647.10 | 161473.33 |
| 63 | 2030-01 | 3171.89 | 524.79 | 2647.10 | 158826.23 |
| 64 | 2030-02 | 3163.29 | 516.19 | 2647.10 | 156179.13 |
| 65 | 2030-03 | 3154.69 | 507.58 | 2647.10 | 153532.02 |
| 66 | 2030-04 | 3146.08 | 498.98 | 2647.10 | 150884.92 |
| 67 | 2030-05 | 3137.48 | 490.38 | 2647.10 | 148237.81 |
| 68 | 2030-06 | 3128.88 | 481.77 | 2647.10 | 145590.71 |
| 69 | 2030-07 | 3120.27 | 473.17 | 2647.10 | 142943.61 |
| 70 | 2030-08 | 3111.67 | 464.57 | 2647.10 | 140296.50 |
| 71 | 2030-09 | 3103.07 | 455.96 | 2647.10 | 137649.40 |
| 72 | 2030-10 | 3094.46 | 447.36 | 2647.10 | 135002.29 |
| 73 | 2030-11 | 3085.86 | 438.76 | 2647.10 | 132355.19 |
| 74 | 2030-12 | 3077.26 | 430.15 | 2647.10 | 129708.09 |
| 75 | 2031-01 | 3068.66 | 421.55 | 2647.10 | 127060.98 |
| 76 | 2031-02 | 3060.05 | 412.95 | 2647.10 | 124413.88 |
| 77 | 2031-03 | 3051.45 | 404.35 | 2647.10 | 121766.78 |
| 78 | 2031-04 | 3042.85 | 395.74 | 2647.10 | 119119.67 |
| 79 | 2031-05 | 3034.24 | 387.14 | 2647.10 | 116472.57 |
| 80 | 2031-06 | 3025.64 | 378.54 | 2647.10 | 113825.46 |
| 81 | 2031-07 | 3017.04 | 369.93 | 2647.10 | 111178.36 |
| 82 | 2031-08 | 3008.43 | 361.33 | 2647.10 | 108531.26 |
| 83 | 2031-09 | 2999.83 | 352.73 | 2647.10 | 105884.15 |
| 84 | 2031-10 | 2991.23 | 344.12 | 2647.10 | 103237.05 |
| 85 | 2031-11 | 2982.62 | 335.52 | 2647.10 | 100589.95 |
| 86 | 2031-12 | 2974.02 | 326.92 | 2647.10 | 97942.84 |
| 87 | 2032-01 | 2965.42 | 318.31 | 2647.10 | 95295.74 |
| 88 | 2032-02 | 2956.81 | 309.71 | 2647.10 | 92648.63 |
| 89 | 2032-03 | 2948.21 | 301.11 | 2647.10 | 90001.53 |
| 90 | 2032-04 | 2939.61 | 292.50 | 2647.10 | 87354.43 |
| 91 | 2032-05 | 2931.01 | 283.90 | 2647.10 | 84707.32 |
| 92 | 2032-06 | 2922.40 | 275.30 | 2647.10 | 82060.22 |
| 93 | 2032-07 | 2913.80 | 266.70 | 2647.10 | 79413.11 |
| 94 | 2032-08 | 2905.20 | 258.09 | 2647.10 | 76766.01 |
| 95 | 2032-09 | 2896.59 | 249.49 | 2647.10 | 74118.91 |
| 96 | 2032-10 | 2887.99 | 240.89 | 2647.10 | 71471.80 |
| 97 | 2032-11 | 2879.39 | 232.28 | 2647.10 | 68824.70 |
| 98 | 2032-12 | 2870.78 | 223.68 | 2647.10 | 66177.60 |
| 99 | 2033-01 | 2862.18 | 215.08 | 2647.10 | 63530.49 |
| 100 | 2033-02 | 2853.58 | 206.47 | 2647.10 | 60883.39 |
| 101 | 2033-03 | 2844.97 | 197.87 | 2647.10 | 58236.28 |
| 102 | 2033-04 | 2836.37 | 189.27 | 2647.10 | 55589.18 |
| 103 | 2033-05 | 2827.77 | 180.66 | 2647.10 | 52942.08 |
| 104 | 2033-06 | 2819.17 | 172.06 | 2647.10 | 50294.97 |
| 105 | 2033-07 | 2810.56 | 163.46 | 2647.10 | 47647.87 |
| 106 | 2033-08 | 2801.96 | 154.86 | 2647.10 | 45000.76 |
| 107 | 2033-09 | 2793.36 | 146.25 | 2647.10 | 42353.66 |
| 108 | 2033-10 | 2784.75 | 137.65 | 2647.10 | 39706.56 |
| 109 | 2033-11 | 2776.15 | 129.05 | 2647.10 | 37059.45 |
| 110 | 2033-12 | 2767.55 | 120.44 | 2647.10 | 34412.35 |
| 111 | 2034-01 | 2758.94 | 111.84 | 2647.10 | 31765.25 |
| 112 | 2034-02 | 2750.34 | 103.24 | 2647.10 | 29118.14 |
| 113 | 2034-03 | 2741.74 | 94.63 | 2647.10 | 26471.04 |
| 114 | 2034-04 | 2733.13 | 86.03 | 2647.10 | 23823.93 |
| 115 | 2034-05 | 2724.53 | 77.43 | 2647.10 | 21176.83 |
| 116 | 2034-06 | 2715.93 | 68.82 | 2647.10 | 18529.73 |
| 117 | 2034-07 | 2707.33 | 60.22 | 2647.10 | 15882.62 |
| 118 | 2034-08 | 2698.72 | 51.62 | 2647.10 | 13235.52 |
| 119 | 2034-09 | 2690.12 | 43.02 | 2647.10 | 10588.42 |
| 120 | 2034-10 | 2681.52 | 34.41 | 2647.10 | 7941.31 |
| 121 | 2034-11 | 2672.91 | 25.81 | 2647.10 | 5294.21 |
| 122 | 2034-12 | 2664.31 | 17.21 | 2647.10 | 2647.10 |
| 123 | 2035-01 | 2655.71 | 8.60 | 2647.10 | 0.00 |
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采用2024年11月25日贷款市场报价利率(LPR)中国人民银行授权全国银行间同业拆借中心公布，采用2024年11月25日贷款市场报价利率(LPR)为：1年期LPR为3.35%，5年期以上LPR为3.85%。以上LPR在下一次发布LPR之前有效。
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