贷款11.28万（商业贷款）的房贷，还款10年7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：11.28万
还款月数：10年7个月
每月还款：1173.6元
利息总额：3.62万
本息合计：14.9万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 1173.60 | 517.00 | 656.60 | 112143.40 |
| 2 | 2025-02 | 1173.60 | 513.99 | 659.61 | 111483.78 |
| 3 | 2025-03 | 1173.60 | 510.97 | 662.64 | 110821.15 |
| 4 | 2025-04 | 1173.60 | 507.93 | 665.67 | 110155.47 |
| 5 | 2025-05 | 1173.60 | 504.88 | 668.72 | 109486.75 |
| 6 | 2025-06 | 1173.60 | 501.81 | 671.79 | 108814.96 |
| 7 | 2025-07 | 1173.60 | 498.74 | 674.87 | 108140.09 |
| 8 | 2025-08 | 1173.60 | 495.64 | 677.96 | 107462.13 |
| 9 | 2025-09 | 1173.60 | 492.53 | 681.07 | 106781.06 |
| 10 | 2025-10 | 1173.60 | 489.41 | 684.19 | 106096.87 |
| 11 | 2025-11 | 1173.60 | 486.28 | 687.33 | 105409.54 |
| 12 | 2025-12 | 1173.60 | 483.13 | 690.48 | 104719.06 |
| 13 | 2026-01 | 1173.60 | 479.96 | 693.64 | 104025.42 |
| 14 | 2026-02 | 1173.60 | 476.78 | 696.82 | 103328.60 |
| 15 | 2026-03 | 1173.60 | 473.59 | 700.01 | 102628.58 |
| 16 | 2026-04 | 1173.60 | 470.38 | 703.22 | 101925.36 |
| 17 | 2026-05 | 1173.60 | 467.16 | 706.45 | 101218.91 |
| 18 | 2026-06 | 1173.60 | 463.92 | 709.68 | 100509.23 |
| 19 | 2026-07 | 1173.60 | 460.67 | 712.94 | 99796.29 |
| 20 | 2026-08 | 1173.60 | 457.40 | 716.20 | 99080.09 |
| 21 | 2026-09 | 1173.60 | 454.12 | 719.49 | 98360.60 |
| 22 | 2026-10 | 1173.60 | 450.82 | 722.78 | 97637.82 |
| 23 | 2026-11 | 1173.60 | 447.51 | 726.10 | 96911.72 |
| 24 | 2026-12 | 1173.60 | 444.18 | 729.43 | 96182.29 |
| 25 | 2027-01 | 1173.60 | 440.84 | 732.77 | 95449.53 |
| 26 | 2027-02 | 1173.60 | 437.48 | 736.13 | 94713.40 |
| 27 | 2027-03 | 1173.60 | 434.10 | 739.50 | 93973.90 |
| 28 | 2027-04 | 1173.60 | 430.71 | 742.89 | 93231.01 |
| 29 | 2027-05 | 1173.60 | 427.31 | 746.30 | 92484.71 |
| 30 | 2027-06 | 1173.60 | 423.89 | 749.72 | 91735.00 |
| 31 | 2027-07 | 1173.60 | 420.45 | 753.15 | 90981.84 |
| 32 | 2027-08 | 1173.60 | 417.00 | 756.60 | 90225.24 |
| 33 | 2027-09 | 1173.60 | 413.53 | 760.07 | 89465.17 |
| 34 | 2027-10 | 1173.60 | 410.05 | 763.56 | 88701.61 |
| 35 | 2027-11 | 1173.60 | 406.55 | 767.06 | 87934.56 |
| 36 | 2027-12 | 1173.60 | 403.03 | 770.57 | 87163.99 |
| 37 | 2028-01 | 1173.60 | 399.50 | 774.10 | 86389.89 |
| 38 | 2028-02 | 1173.60 | 395.95 | 777.65 | 85612.23 |
| 39 | 2028-03 | 1173.60 | 392.39 | 781.21 | 84831.02 |
| 40 | 2028-04 | 1173.60 | 388.81 | 784.80 | 84046.22 |
| 41 | 2028-05 | 1173.60 | 385.21 | 788.39 | 83257.83 |
| 42 | 2028-06 | 1173.60 | 381.60 | 792.01 | 82465.83 |
| 43 | 2028-07 | 1173.60 | 377.97 | 795.64 | 81670.19 |
| 44 | 2028-08 | 1173.60 | 374.32 | 799.28 | 80870.91 |
| 45 | 2028-09 | 1173.60 | 370.66 | 802.95 | 80067.96 |
| 46 | 2028-10 | 1173.60 | 366.98 | 806.63 | 79261.34 |
| 47 | 2028-11 | 1173.60 | 363.28 | 810.32 | 78451.01 |
| 48 | 2028-12 | 1173.60 | 359.57 | 814.04 | 77636.98 |
| 49 | 2029-01 | 1173.60 | 355.84 | 817.77 | 76819.21 |
| 50 | 2029-02 | 1173.60 | 352.09 | 821.52 | 75997.69 |
| 51 | 2029-03 | 1173.60 | 348.32 | 825.28 | 75172.41 |
| 52 | 2029-04 | 1173.60 | 344.54 | 829.06 | 74343.35 |
| 53 | 2029-05 | 1173.60 | 340.74 | 832.86 | 73510.48 |
| 54 | 2029-06 | 1173.60 | 336.92 | 836.68 | 72673.80 |
| 55 | 2029-07 | 1173.60 | 333.09 | 840.52 | 71833.29 |
| 56 | 2029-08 | 1173.60 | 329.24 | 844.37 | 70988.92 |
| 57 | 2029-09 | 1173.60 | 325.37 | 848.24 | 70140.68 |
| 58 | 2029-10 | 1173.60 | 321.48 | 852.13 | 69288.55 |
| 59 | 2029-11 | 1173.60 | 317.57 | 856.03 | 68432.52 |
| 60 | 2029-12 | 1173.60 | 313.65 | 859.96 | 67572.57 |
| 61 | 2030-01 | 1173.60 | 309.71 | 863.90 | 66708.67 |
| 62 | 2030-02 | 1173.60 | 305.75 | 867.86 | 65840.81 |
| 63 | 2030-03 | 1173.60 | 301.77 | 871.83 | 64968.98 |
| 64 | 2030-04 | 1173.60 | 297.77 | 875.83 | 64093.15 |
| 65 | 2030-05 | 1173.60 | 293.76 | 879.84 | 63213.31 |
| 66 | 2030-06 | 1173.60 | 289.73 | 883.88 | 62329.43 |
| 67 | 2030-07 | 1173.60 | 285.68 | 887.93 | 61441.50 |
| 68 | 2030-08 | 1173.60 | 281.61 | 892.00 | 60549.51 |
| 69 | 2030-09 | 1173.60 | 277.52 | 896.09 | 59653.42 |
| 70 | 2030-10 | 1173.60 | 273.41 | 900.19 | 58753.23 |
| 71 | 2030-11 | 1173.60 | 269.29 | 904.32 | 57848.91 |
| 72 | 2030-12 | 1173.60 | 265.14 | 908.46 | 56940.45 |
| 73 | 2031-01 | 1173.60 | 260.98 | 912.63 | 56027.82 |
| 74 | 2031-02 | 1173.60 | 256.79 | 916.81 | 55111.01 |
| 75 | 2031-03 | 1173.60 | 252.59 | 921.01 | 54190.00 |
| 76 | 2031-04 | 1173.60 | 248.37 | 925.23 | 53264.76 |
| 77 | 2031-05 | 1173.60 | 244.13 | 929.47 | 52335.29 |
| 78 | 2031-06 | 1173.60 | 239.87 | 933.73 | 51401.56 |
| 79 | 2031-07 | 1173.60 | 235.59 | 938.01 | 50463.54 |
| 80 | 2031-08 | 1173.60 | 231.29 | 942.31 | 49521.23 |
| 81 | 2031-09 | 1173.60 | 226.97 | 946.63 | 48574.60 |
| 82 | 2031-10 | 1173.60 | 222.63 | 950.97 | 47623.63 |
| 83 | 2031-11 | 1173.60 | 218.27 | 955.33 | 46668.30 |
| 84 | 2031-12 | 1173.60 | 213.90 | 959.71 | 45708.59 |
| 85 | 2032-01 | 1173.60 | 209.50 | 964.11 | 44744.48 |
| 86 | 2032-02 | 1173.60 | 205.08 | 968.53 | 43775.96 |
| 87 | 2032-03 | 1173.60 | 200.64 | 972.96 | 42802.99 |
| 88 | 2032-04 | 1173.60 | 196.18 | 977.42 | 41825.57 |
| 89 | 2032-05 | 1173.60 | 191.70 | 981.90 | 40843.67 |
| 90 | 2032-06 | 1173.60 | 187.20 | 986.40 | 39857.26 |
| 91 | 2032-07 | 1173.60 | 182.68 | 990.93 | 38866.34 |
| 92 | 2032-08 | 1173.60 | 178.14 | 995.47 | 37870.87 |
| 93 | 2032-09 | 1173.60 | 173.57 | 1000.03 | 36870.84 |
| 94 | 2032-10 | 1173.60 | 168.99 | 1004.61 | 35866.23 |
| 95 | 2032-11 | 1173.60 | 164.39 | 1009.22 | 34857.01 |
| 96 | 2032-12 | 1173.60 | 159.76 | 1013.84 | 33843.17 |
| 97 | 2033-01 | 1173.60 | 155.11 | 1018.49 | 32824.68 |
| 98 | 2033-02 | 1173.60 | 150.45 | 1023.16 | 31801.52 |
| 99 | 2033-03 | 1173.60 | 145.76 | 1027.85 | 30773.67 |
| 100 | 2033-04 | 1173.60 | 141.05 | 1032.56 | 29741.12 |
| 101 | 2033-05 | 1173.60 | 136.31 | 1037.29 | 28703.83 |
| 102 | 2033-06 | 1173.60 | 131.56 | 1042.04 | 27661.78 |
| 103 | 2033-07 | 1173.60 | 126.78 | 1046.82 | 26614.96 |
| 104 | 2033-08 | 1173.60 | 121.99 | 1051.62 | 25563.34 |
| 105 | 2033-09 | 1173.60 | 117.17 | 1056.44 | 24506.90 |
| 106 | 2033-10 | 1173.60 | 112.32 | 1061.28 | 23445.62 |
| 107 | 2033-11 | 1173.60 | 107.46 | 1066.15 | 22379.48 |
| 108 | 2033-12 | 1173.60 | 102.57 | 1071.03 | 21308.44 |
| 109 | 2034-01 | 1173.60 | 97.66 | 1075.94 | 20232.50 |
| 110 | 2034-02 | 1173.60 | 92.73 | 1080.87 | 19151.63 |
| 111 | 2034-03 | 1173.60 | 87.78 | 1085.83 | 18065.81 |
| 112 | 2034-04 | 1173.60 | 82.80 | 1090.80 | 16975.00 |
| 113 | 2034-05 | 1173.60 | 77.80 | 1095.80 | 15879.20 |
| 114 | 2034-06 | 1173.60 | 72.78 | 1100.82 | 14778.38 |
| 115 | 2034-07 | 1173.60 | 67.73 | 1105.87 | 13672.51 |
| 116 | 2034-08 | 1173.60 | 62.67 | 1110.94 | 12561.57 |
| 117 | 2034-09 | 1173.60 | 57.57 | 1116.03 | 11445.54 |
| 118 | 2034-10 | 1173.60 | 52.46 | 1121.15 | 10324.39 |
| 119 | 2034-11 | 1173.60 | 47.32 | 1126.28 | 9198.11 |
| 120 | 2034-12 | 1173.60 | 42.16 | 1131.45 | 8066.66 |
| 121 | 2035-01 | 1173.60 | 36.97 | 1136.63 | 6930.03 |
| 122 | 2035-02 | 1173.60 | 31.76 | 1141.84 | 5788.19 |
| 123 | 2035-03 | 1173.60 | 26.53 | 1147.07 | 4641.12 |
| 124 | 2035-04 | 1173.60 | 21.27 | 1152.33 | 3488.78 |
| 125 | 2035-05 | 1173.60 | 15.99 | 1157.61 | 2331.17 |
| 126 | 2035-06 | 1173.60 | 10.68 | 1162.92 | 1168.25 |
| 127 | 2035-07 | 1173.60 | 5.35 | 1168.25 | 0.00 |
还款方式二：等额本金
贷款总额：11.28万
还款月数：10年7个月
首月还款：1405.19元
每月递减：4.07元
利息总额：3.31万
本息合计：14.59万
节省利息：3159.72元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 1405.19 | 517.00 | 888.19 | 111911.81 |
| 2 | 2025-02 | 1401.12 | 512.93 | 888.19 | 111023.62 |
| 3 | 2025-03 | 1397.05 | 508.86 | 888.19 | 110135.43 |
| 4 | 2025-04 | 1392.98 | 504.79 | 888.19 | 109247.24 |
| 5 | 2025-05 | 1388.91 | 500.72 | 888.19 | 108359.06 |
| 6 | 2025-06 | 1384.83 | 496.65 | 888.19 | 107470.87 |
| 7 | 2025-07 | 1380.76 | 492.57 | 888.19 | 106582.68 |
| 8 | 2025-08 | 1376.69 | 488.50 | 888.19 | 105694.49 |
| 9 | 2025-09 | 1372.62 | 484.43 | 888.19 | 104806.30 |
| 10 | 2025-10 | 1368.55 | 480.36 | 888.19 | 103918.11 |
| 11 | 2025-11 | 1364.48 | 476.29 | 888.19 | 103029.92 |
| 12 | 2025-12 | 1360.41 | 472.22 | 888.19 | 102141.73 |
| 13 | 2026-01 | 1356.34 | 468.15 | 888.19 | 101253.54 |
| 14 | 2026-02 | 1352.27 | 464.08 | 888.19 | 100365.35 |
| 15 | 2026-03 | 1348.20 | 460.01 | 888.19 | 99477.17 |
| 16 | 2026-04 | 1344.13 | 455.94 | 888.19 | 98588.98 |
| 17 | 2026-05 | 1340.06 | 451.87 | 888.19 | 97700.79 |
| 18 | 2026-06 | 1335.98 | 447.80 | 888.19 | 96812.60 |
| 19 | 2026-07 | 1331.91 | 443.72 | 888.19 | 95924.41 |
| 20 | 2026-08 | 1327.84 | 439.65 | 888.19 | 95036.22 |
| 21 | 2026-09 | 1323.77 | 435.58 | 888.19 | 94148.03 |
| 22 | 2026-10 | 1319.70 | 431.51 | 888.19 | 93259.84 |
| 23 | 2026-11 | 1315.63 | 427.44 | 888.19 | 92371.65 |
| 24 | 2026-12 | 1311.56 | 423.37 | 888.19 | 91483.46 |
| 25 | 2027-01 | 1307.49 | 419.30 | 888.19 | 90595.28 |
| 26 | 2027-02 | 1303.42 | 415.23 | 888.19 | 89707.09 |
| 27 | 2027-03 | 1299.35 | 411.16 | 888.19 | 88818.90 |
| 28 | 2027-04 | 1295.28 | 407.09 | 888.19 | 87930.71 |
| 29 | 2027-05 | 1291.20 | 403.02 | 888.19 | 87042.52 |
| 30 | 2027-06 | 1287.13 | 398.94 | 888.19 | 86154.33 |
| 31 | 2027-07 | 1283.06 | 394.87 | 888.19 | 85266.14 |
| 32 | 2027-08 | 1278.99 | 390.80 | 888.19 | 84377.95 |
| 33 | 2027-09 | 1274.92 | 386.73 | 888.19 | 83489.76 |
| 34 | 2027-10 | 1270.85 | 382.66 | 888.19 | 82601.57 |
| 35 | 2027-11 | 1266.78 | 378.59 | 888.19 | 81713.39 |
| 36 | 2027-12 | 1262.71 | 374.52 | 888.19 | 80825.20 |
| 37 | 2028-01 | 1258.64 | 370.45 | 888.19 | 79937.01 |
| 38 | 2028-02 | 1254.57 | 366.38 | 888.19 | 79048.82 |
| 39 | 2028-03 | 1250.50 | 362.31 | 888.19 | 78160.63 |
| 40 | 2028-04 | 1246.43 | 358.24 | 888.19 | 77272.44 |
| 41 | 2028-05 | 1242.35 | 354.17 | 888.19 | 76384.25 |
| 42 | 2028-06 | 1238.28 | 350.09 | 888.19 | 75496.06 |
| 43 | 2028-07 | 1234.21 | 346.02 | 888.19 | 74607.87 |
| 44 | 2028-08 | 1230.14 | 341.95 | 888.19 | 73719.69 |
| 45 | 2028-09 | 1226.07 | 337.88 | 888.19 | 72831.50 |
| 46 | 2028-10 | 1222.00 | 333.81 | 888.19 | 71943.31 |
| 47 | 2028-11 | 1217.93 | 329.74 | 888.19 | 71055.12 |
| 48 | 2028-12 | 1213.86 | 325.67 | 888.19 | 70166.93 |
| 49 | 2029-01 | 1209.79 | 321.60 | 888.19 | 69278.74 |
| 50 | 2029-02 | 1205.72 | 317.53 | 888.19 | 68390.55 |
| 51 | 2029-03 | 1201.65 | 313.46 | 888.19 | 67502.36 |
| 52 | 2029-04 | 1197.57 | 309.39 | 888.19 | 66614.17 |
| 53 | 2029-05 | 1193.50 | 305.31 | 888.19 | 65725.98 |
| 54 | 2029-06 | 1189.43 | 301.24 | 888.19 | 64837.80 |
| 55 | 2029-07 | 1185.36 | 297.17 | 888.19 | 63949.61 |
| 56 | 2029-08 | 1181.29 | 293.10 | 888.19 | 63061.42 |
| 57 | 2029-09 | 1177.22 | 289.03 | 888.19 | 62173.23 |
| 58 | 2029-10 | 1173.15 | 284.96 | 888.19 | 61285.04 |
| 59 | 2029-11 | 1169.08 | 280.89 | 888.19 | 60396.85 |
| 60 | 2029-12 | 1165.01 | 276.82 | 888.19 | 59508.66 |
| 61 | 2030-01 | 1160.94 | 272.75 | 888.19 | 58620.47 |
| 62 | 2030-02 | 1156.87 | 268.68 | 888.19 | 57732.28 |
| 63 | 2030-03 | 1152.80 | 264.61 | 888.19 | 56844.09 |
| 64 | 2030-04 | 1148.72 | 260.54 | 888.19 | 55955.91 |
| 65 | 2030-05 | 1144.65 | 256.46 | 888.19 | 55067.72 |
| 66 | 2030-06 | 1140.58 | 252.39 | 888.19 | 54179.53 |
| 67 | 2030-07 | 1136.51 | 248.32 | 888.19 | 53291.34 |
| 68 | 2030-08 | 1132.44 | 244.25 | 888.19 | 52403.15 |
| 69 | 2030-09 | 1128.37 | 240.18 | 888.19 | 51514.96 |
| 70 | 2030-10 | 1124.30 | 236.11 | 888.19 | 50626.77 |
| 71 | 2030-11 | 1120.23 | 232.04 | 888.19 | 49738.58 |
| 72 | 2030-12 | 1116.16 | 227.97 | 888.19 | 48850.39 |
| 73 | 2031-01 | 1112.09 | 223.90 | 888.19 | 47962.20 |
| 74 | 2031-02 | 1108.02 | 219.83 | 888.19 | 47074.02 |
| 75 | 2031-03 | 1103.94 | 215.76 | 888.19 | 46185.83 |
| 76 | 2031-04 | 1099.87 | 211.69 | 888.19 | 45297.64 |
| 77 | 2031-05 | 1095.80 | 207.61 | 888.19 | 44409.45 |
| 78 | 2031-06 | 1091.73 | 203.54 | 888.19 | 43521.26 |
| 79 | 2031-07 | 1087.66 | 199.47 | 888.19 | 42633.07 |
| 80 | 2031-08 | 1083.59 | 195.40 | 888.19 | 41744.88 |
| 81 | 2031-09 | 1079.52 | 191.33 | 888.19 | 40856.69 |
| 82 | 2031-10 | 1075.45 | 187.26 | 888.19 | 39968.50 |
| 83 | 2031-11 | 1071.38 | 183.19 | 888.19 | 39080.31 |
| 84 | 2031-12 | 1067.31 | 179.12 | 888.19 | 38192.13 |
| 85 | 2032-01 | 1063.24 | 175.05 | 888.19 | 37303.94 |
| 86 | 2032-02 | 1059.17 | 170.98 | 888.19 | 36415.75 |
| 87 | 2032-03 | 1055.09 | 166.91 | 888.19 | 35527.56 |
| 88 | 2032-04 | 1051.02 | 162.83 | 888.19 | 34639.37 |
| 89 | 2032-05 | 1046.95 | 158.76 | 888.19 | 33751.18 |
| 90 | 2032-06 | 1042.88 | 154.69 | 888.19 | 32862.99 |
| 91 | 2032-07 | 1038.81 | 150.62 | 888.19 | 31974.80 |
| 92 | 2032-08 | 1034.74 | 146.55 | 888.19 | 31086.61 |
| 93 | 2032-09 | 1030.67 | 142.48 | 888.19 | 30198.43 |
| 94 | 2032-10 | 1026.60 | 138.41 | 888.19 | 29310.24 |
| 95 | 2032-11 | 1022.53 | 134.34 | 888.19 | 28422.05 |
| 96 | 2032-12 | 1018.46 | 130.27 | 888.19 | 27533.86 |
| 97 | 2033-01 | 1014.39 | 126.20 | 888.19 | 26645.67 |
| 98 | 2033-02 | 1010.31 | 122.13 | 888.19 | 25757.48 |
| 99 | 2033-03 | 1006.24 | 118.06 | 888.19 | 24869.29 |
| 100 | 2033-04 | 1002.17 | 113.98 | 888.19 | 23981.10 |
| 101 | 2033-05 | 998.10 | 109.91 | 888.19 | 23092.91 |
| 102 | 2033-06 | 994.03 | 105.84 | 888.19 | 22204.72 |
| 103 | 2033-07 | 989.96 | 101.77 | 888.19 | 21316.54 |
| 104 | 2033-08 | 985.89 | 97.70 | 888.19 | 20428.35 |
| 105 | 2033-09 | 981.82 | 93.63 | 888.19 | 19540.16 |
| 106 | 2033-10 | 977.75 | 89.56 | 888.19 | 18651.97 |
| 107 | 2033-11 | 973.68 | 85.49 | 888.19 | 17763.78 |
| 108 | 2033-12 | 969.61 | 81.42 | 888.19 | 16875.59 |
| 109 | 2034-01 | 965.54 | 77.35 | 888.19 | 15987.40 |
| 110 | 2034-02 | 961.46 | 73.28 | 888.19 | 15099.21 |
| 111 | 2034-03 | 957.39 | 69.20 | 888.19 | 14211.02 |
| 112 | 2034-04 | 953.32 | 65.13 | 888.19 | 13322.83 |
| 113 | 2034-05 | 949.25 | 61.06 | 888.19 | 12434.65 |
| 114 | 2034-06 | 945.18 | 56.99 | 888.19 | 11546.46 |
| 115 | 2034-07 | 941.11 | 52.92 | 888.19 | 10658.27 |
| 116 | 2034-08 | 937.04 | 48.85 | 888.19 | 9770.08 |
| 117 | 2034-09 | 932.97 | 44.78 | 888.19 | 8881.89 |
| 118 | 2034-10 | 928.90 | 40.71 | 888.19 | 7993.70 |
| 119 | 2034-11 | 924.83 | 36.64 | 888.19 | 7105.51 |
| 120 | 2034-12 | 920.76 | 32.57 | 888.19 | 6217.32 |
| 121 | 2035-01 | 916.69 | 28.50 | 888.19 | 5329.13 |
| 122 | 2035-02 | 912.61 | 24.43 | 888.19 | 4440.94 |
| 123 | 2035-03 | 908.54 | 20.35 | 888.19 | 3552.76 |
| 124 | 2035-04 | 904.47 | 16.28 | 888.19 | 2664.57 |
| 125 | 2035-05 | 900.40 | 12.21 | 888.19 | 1776.38 |
| 126 | 2035-06 | 896.33 | 8.14 | 888.19 | 888.19 |
| 127 | 2035-07 | 892.26 | 4.07 | 888.19 | 0.00 |
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采用2025年01月31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2025年01月31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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