每一万元个人住房贷款等额本金还款法明细表
（仅供参考）
（2007年7月21日起执行）
期限(年) |
每月还本额 |
基准贷款利率 |
基准贷款利率下浮15% |
基准贷款利率下浮12% |
住房公积金贷款利率 |
月利率 ‰ |
首月还息额 |
每月递减额 |
月利率 ‰ |
首月还息额 |
每月递减额 |
月利率 ‰ |
首月还息额 |
每月递减额 |
月利率 ‰ |
首月还息额 |
每月递减额 |
2 |
￥416.67 |
5.85 |
￥58.50 |
￥2.44 |
4.9725 |
￥49.73 |
￥2.07 |
5.148 |
￥51.48 |
￥2.15 |
3.75 |
￥37.50 |
￥1.56 |
3 |
￥277.78 |
5.85 |
￥58.50 |
￥1.63 |
4.9725 |
￥49.73 |
￥1.38 |
5.148 |
￥51.48 |
￥1.43 |
3.75 |
￥37.50 |
￥1.04 |
4 |
￥208.33 |
6 |
￥60.00 |
￥1.25 |
5.1 |
￥51.00 |
￥1.06 |
5.28 |
￥52.80 |
￥1.10 |
3.75 |
￥37.50 |
￥0.78 |
5 |
￥166.67 |
6 |
￥60.00 |
￥1.00 |
5.1 |
￥51.00 |
￥0.85 |
5.28 |
￥52.80 |
￥0.88 |
3.75 |
￥37.50 |
￥0.63 |
6 |
￥138.89 |
6.15 |
￥61.50 |
￥0.85 |
5.2275 |
￥52.28 |
￥0.73 |
5.412 |
￥54.12 |
￥0.75 |
4.125 |
￥41.25 |
￥0.57 |
7 |
￥119.05 |
6.15 |
￥61.50 |
￥0.73 |
5.2275 |
￥52.28 |
￥0.62 |
5.412 |
￥54.12 |
￥0.64 |
4.125 |
￥41.25 |
￥0.49 |
8 |
￥104.17 |
6.15 |
￥61.50 |
￥0.64 |
5.2275 |
￥52.28 |
￥0.54 |
5.412 |
￥54.12 |
￥0.56 |
4.125 |
￥41.25 |
￥0.43 |
9 |
￥92.59 |
6.15 |
￥61.50 |
￥0.57 |
5.2275 |
￥52.28 |
￥0.48 |
5.412 |
￥54.12 |
￥0.50 |
4.125 |
￥41.25 |
￥0.38 |
10 |
￥83.33 |
6.15 |
￥61.50 |
￥0.51 |
5.2275 |
￥52.28 |
￥0.44 |
5.412 |
￥54.12 |
￥0.45 |
4.125 |
￥41.25 |
￥0.34 |
11 |
￥75.76 |
6.15 |
￥61.50 |
￥0.47 |
5.2275 |
￥52.28 |
￥0.40 |
5.412 |
￥54.12 |
￥0.41 |
4.125 |
￥41.25 |
￥0.31 |
12 |
￥69.44 |
6.15 |
￥61.50 |
￥0.43 |
5.2275 |
￥52.28 |
￥0.36 |
5.412 |
￥54.12 |
￥0.38 |
4.125 |
￥41.25 |
￥0.29 |
13 |
￥64.10 |
6.15 |
￥61.50 |
￥0.39 |
5.2275 |
￥52.28 |
￥0.34 |
5.412 |
￥54.12 |
￥0.35 |
4.125 |
￥41.25 |
￥0.26 |
14 |
￥59.52 |
6.15 |
￥61.50 |
￥0.37 |
5.2275 |
￥52.28 |
￥0.31 |
5.412 |
￥54.12 |
￥0.32 |
4.125 |
￥41.25 |
￥0.25 |
15 |
￥55.56 |
6.15 |
￥61.50 |
￥0.34 |
5.2275 |
￥52.28 |
￥0.29 |
5.412 |
￥54.12 |
￥0.30 |
4.125 |
￥41.25 |
￥0.23 |
16 |
￥52.08 |
6.15 |
￥61.50 |
￥0.32 |
5.2275 |
￥52.28 |
￥0.27 |
5.412 |
￥54.12 |
￥0.28 |
4.125 |
￥41.25 |
￥0.21 |
17 |
￥49.02 |
6.15 |
￥61.50 |
￥0.30 |
5.2275 |
￥52.28 |
￥0.26 |
5.412 |
￥54.12 |
￥0.27 |
4.125 |
￥41.25 |
￥0.20 |
18 |
￥46.30 |
6.15 |
￥61.50 |
￥0.28 |
5.2275 |
￥52.28 |
￥0.24 |
5.412 |
￥54.12 |
￥0.25 |
4.125 |
￥41.25 |
￥0.19 |
19 |
￥43.86 |
6.15 |
￥61.50 |
￥0.27 |
5.2275 |
￥52.28 |
￥0.23 |
5.412 |
￥54.12 |
￥0.24 |
4.125 |
￥41.25 |
￥0.18 |
20 |
￥41.67 |
6.15 |
￥61.50 |
￥0.26 |
5.2275 |
￥52.28 |
￥0.22 |
5.412 |
￥54.12 |
￥0.23 |
4.125 |
￥41.25 |
￥0.17 |
21 |
￥39.68 |
6.15 |
￥61.50 |
￥0.24 |
5.2275 |
￥52.28 |
￥0.21 |
5.412 |
￥54.12 |
￥0.21 |
4.125 |
￥41.25 |
￥0.16 |
22 |
￥37.88 |
6.15 |
￥61.50 |
￥0.23 |
5.2275 |
￥52.28 |
￥0.20 |
5.412 |
￥54.12 |
￥0.21 |
4.125 |
￥41.25 |
￥0.16 |
23 |
￥36.23 |
6.15 |
￥61.50 |
￥0.22 |
5.2275 |
￥52.28 |
￥0.19 |
5.412 |
￥54.12 |
￥0.20 |
4.125 |
￥41.25 |
￥0.15 |
24 |
￥34.72 |
6.15 |
￥61.50 |
￥0.21 |
5.2275 |
￥52.28 |
￥0.18 |
5.412 |
￥54.12 |
￥0.19 |
4.125 |
￥41.25 |
￥0.14 |
25 |
￥33.33 |
6.15 |
￥61.50 |
￥0.20 |
5.2275 |
￥52.28 |
￥0.17 |
5.412 |
￥54.12 |
￥0.18 |
4.125 |
￥41.25 |
￥0.14 |
26 |
￥32.05 |
6.15 |
￥61.50 |
￥0.20 |
5.2275 |
￥52.28 |
￥0.17 |
5.412 |
￥54.12 |
￥0.17 |
4.125 |
￥41.25 |
￥0.13 |
27 |
￥30.86 |
6.15 |
￥61.50 |
￥0.19 |
5.2275 |
￥52.28 |
￥0.16 |
5.412 |
￥54.12 |
￥0.17 |
4.125 |
￥41.25 |
￥0.13 |
28 |
￥29.76 |
6.15 |
￥61.50 |
￥0.18 |
5.2275 |
￥52.28 |
￥0.16 |
5.412 |
￥54.12 |
￥0.16 |
4.125 |
￥41.25 |
￥0.12 |
29 |
￥28.74 |
6.15 |
￥61.50 |
￥0.18 |
5.2275 |
￥52.28 |
￥0.15 |
5.412 |
￥54.12 |
￥0.16 |
4.125 |
￥41.25 |
￥0.12 |
30 |
￥27.78 |
6.15 |
￥61.50 |
￥0.17 |
5.2275 |
￥52.28 |
￥0.15 |
5.412 |
￥54.12 |
￥0.15 |
4.125 |
￥41.25 |
￥0.11 |
每一万元个人住房贷款等额本息还款法明细表
（仅供参考）
（2007年7月21日起执行）
期限(年) |
基准贷款利率 |
基准贷款利率下浮15% |
基准贷款利率下浮12% |
住房公积金贷款利率 |
月利率 ‰ |
每月还款额 |
月利率 ‰ |
每月还款额 |
月利率 ‰ |
每月还款额 |
月利率 ‰ |
每月还款额 |
2 |
5.85 |
￥447.82 |
4.9725 |
￥443.06 |
5.148 |
￥444.01 |
3.75 |
￥436.48 |
3 |
5.85 |
￥308.86 |
4.9725 |
￥304.07 |
5.148 |
￥305.02 |
3.75 |
￥297.47 |
4 |
6 |
￥240.39 |
5.1 |
￥235.40 |
5.28 |
￥236.39 |
3.75 |
￥228.03 |
5 |
6 |
￥198.96 |
5.1 |
￥193.89 |
5.28 |
￥194.89 |
3.75 |
￥186.43 |
6 |
6.15 |
￥172.32 |
5.2275 |
￥167.02 |
5.412 |
￥168.07 |
4.125 |
￥160.82 |
7 |
6.15 |
￥152.79 |
5.2275 |
￥147.40 |
5.412 |
￥148.47 |
4.125 |
￥141.10 |
8 |
6.15 |
￥138.24 |
5.2275 |
￥132.75 |
5.412 |
￥133.83 |
4.125 |
￥126.36 |
9 |
6.15 |
￥127.00 |
5.2275 |
￥121.41 |
5.412 |
￥122.52 |
4.125 |
￥114.93 |
10 |
6.15 |
￥118.08 |
5.2275 |
￥112.40 |
5.412 |
￥113.52 |
4.125 |
￥105.82 |
11 |
6.15 |
￥110.84 |
5.2275 |
￥105.07 |
5.412 |
￥106.21 |
4.125 |
￥98.40 |
12 |
6.15 |
￥104.87 |
5.2275 |
￥99.00 |
5.412 |
￥100.16 |
4.125 |
￥92.24 |
13 |
6.15 |
￥99.88 |
5.2275 |
￥93.91 |
5.412 |
￥95.09 |
4.125 |
￥87.05 |
14 |
6.15 |
￥95.64 |
5.2275 |
￥89.58 |
5.412 |
￥90.78 |
4.125 |
￥82.63 |
15 |
6.15 |
￥92.02 |
5.2275 |
￥85.87 |
5.412 |
￥87.08 |
4.125 |
￥78.82 |
16 |
6.15 |
￥88.89 |
5.2275 |
￥82.65 |
5.412 |
￥83.88 |
4.125 |
￥75.50 |
17 |
6.15 |
￥86.17 |
5.2275 |
￥79.83 |
5.412 |
￥81.08 |
4.125 |
￥72.60 |
18 |
6.15 |
￥83.79 |
5.2275 |
￥77.36 |
5.412 |
￥78.62 |
4.125 |
￥70.03 |
19 |
6.15 |
￥81.69 |
5.2275 |
￥75.17 |
5.412 |
￥76.45 |
4.125 |
￥67.75 |
20 |
6.15 |
￥79.83 |
5.2275 |
￥73.23 |
5.412 |
￥74.52 |
4.125 |
￥65.72 |
21 |
6.15 |
￥78.17 |
5.2275 |
￥71.49 |
5.412 |
￥72.80 |
4.125 |
￥63.89 |
22 |
6.15 |
￥76.70 |
5.2275 |
￥69.93 |
5.412 |
￥71.26 |
4.125 |
￥62.25 |
23 |
6.15 |
￥75.38 |
5.2275 |
￥68.53 |
5.412 |
￥69.87 |
4.125 |
￥60.76 |
24 |
6.15 |
￥74.19 |
5.2275 |
￥67.26 |
5.412 |
￥68.62 |
4.125 |
￥59.40 |
25 |
6.15 |
￥73.12 |
5.2275 |
￥66.11 |
5.412 |
￥67.49 |
4.125 |
￥58.17 |
26 |
6.15 |
￥72.15 |
5.2275 |
￥65.06 |
5.412 |
￥66.46 |
4.125 |
￥57.04 |
27 |
6.15 |
￥71.28 |
5.2275 |
￥64.11 |
5.412 |
￥65.52 |
4.125 |
￥56.01 |
28 |
6.15 |
￥70.48 |
5.2275 |
￥63.24 |
5.412 |
￥64.67 |
4.125 |
￥55.06 |
29 |
6.15 |
￥69.76 |
5.2275 |
￥62.45 |
5.412 |
￥63.88 |
4.125 |
￥54.18 |
30 |
6.15 |
￥69.10 |
5.2275 |
￥61.72 |
5.412 |
￥63.17 |
4.125 |
￥53.38 |
