每万元住房公积金贷款与商业性贷款(基准利率)还本付息对照表。注:此利率自2012年7月6日起执行,此表仅供参考,贷款时以合同为准。
年限 | 年利率(%) | 月还款额 | 本息总额 | 两种贷款总利差 | |||
商业性 | 公积金 | 商业性 | 公积金 | 商业性 | 公积金 | ||
1 | 6 | 4 | 10600 | 10400 | 200 | ||
2 | 6.15 | 4 | 443.88 | 434.25 | 10653.12 | 10422 | 231.12 |
3 | 6.15 | 4 | 304.9 | 295.24 | 10976.4 | 10628.64 | 347.76 |
4 | 6.4 | 4 | 236.69 | 225.79 | 11361.12 | 10837.92 | 523.2 |
5 | 6.4 | 4 | 195.19 | 184.17 | 11711.4 | 11050.2 | 661.2 |
6 | 6.55 | 4.5 | 168.34 | 158.74 | 12120.48 | 11429.28 | 691.2 |
7 | 6.55 | 4.5 | 148.74 | 139 | 12494.16 | 11676 | 818.16 |
8 | 6.55 | 4.5 | 134.11 | 124.23 | 12874.56 | 11926.08 | 948.48 |
9 | 6.55 | 4.5 | 122.8 | 112.78 | 13262.4 | 12180.24 | 1082.16 |
10 | 6.55 | 4.5 | 113.8 | 103.64 | 13656 | 12436.8 | 1219.2 |
11 | 6.55 | 4.5 | 106.5 | 96.19 | 14058 | 12697.08 | 1360.92 |
12 | 6.55 | 4.5 | 100.45 | 90 | 14464.8 | 12960 | 1504.8 |
13 | 6.55 | 4.5 | 95.39 | 84.79 | 14880.84 | 13227.24 | 1653.6 |
14 | 6.55 | 4.5 | 91.08 | 80.34 | 15301.44 | 13497.12 | 1804.32 |
15 | 6.55 | 4.5 | 87.39 | 76.5 | 15730.2 | 13770 | 1960.2 |
16 | 6.55 | 4.5 | 84.19 | 73.16 | 16164.48 | 14046.72 | 2117.76 |
17 | 6.55 | 4.5 | 81.4 | 70.22 | 16605.6 | 14324.88 | 2280.72 |
18 | 6.55 | 4.5 | 78.94 | 67.63 | 17051.04 | 14608.08 | 2442.96 |
19 | 6.55 | 4.5 | 76.78 | 65.33 | 17505.84 | 14895.24 | 2610.6 |
20 | 6.55 | 4.5 | 74.85 | 63.26 | 17964 | 15182.4 | 2781.6 |
21 | 6.55 | 4.5 | 73.13 | 61.41 | 18428.76 | 15475.32 | 2953.44 |
22 | 6.55 | 4.5 | 71.6 | 59.74 | 18902.4 | 15771.36 | 3131.04 |
23 | 6.55 | 4.5 | 70.21 | 58.22 | 19377.96 | 16068.72 | 3309.24 |
24 | 6.55 | 4.5 | 68.96 | 56.84 | 19860.48 | 16369.92 | 3490.56 |
25 | 6.55 | 4.5 | 67.83 | 55.58 | 20349 | 16674 | 3675 |
26 | 6.55 | 4.5 | 66.81 | 54.43 | 20844.72 | 16982.16 | 3862.56 |
27 | 6.55 | 4.5 | 65.88 | 53.37 | 21345.12 | 17291.88 | 4053.24 |
28 | 6.55 | 4.5 | 65.02 | 52.4 | 21846.72 | 17606.4 | 4240.32 |
29 | 6.55 | 4.5 | 64.25 | 51.5 | 22359 | 17922 | 4437 |
30 | 6.55 | 4.5 | 63.54 | 50.67 | 22874.4 | 18241.2 | 4633.2 |
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