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| 等额本息还款方式是在还款期内，每月偿还同等数额的贷款(包括本金和利息)，这样由于每月的还款额固定，可以有计划地控制家庭收入的支出，也便于每个家庭根据自己的收入情况，确定还贷能力。
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公积金
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| 年限 |
1－5年 |
5－30年 |
| 2012.7.6后 |
4.00% |
4.50% |
|
2012.6.8后 |
4.20% |
4.70% |
|
2011.7.7后 |
4.45% |
4.90% |
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2011.4.6后 |
4.20% |
4.70% |
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2011.2.9后 |
4.00% |
4.50% |
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2010.12.26后 |
3.75% |
4.30% |
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2010.10.20后 |
3.50% |
4.05% |
|
2008.12.23后 |
3.33% |
3.87% |
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2008.11.27后 |
3.51% |
4.05% |
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2008.10.09后 |
4.32% |
4.86% |
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2007.9.16后 |
4.59% |
5.13% |
|
2007.9.15后 |
5.04% |
5.22% |
|
2007.8.22后 |
4.59% |
5.04% |
|
2007.7.21后 |
4.50% |
4.95% |
|
2007.5.19后 |
4.41% |
4.86% |
|
2007.3.18后 |
4.32% |
4.77% |
|
2006.5.8后 |
4.14% |
4.59% |
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2005.3.17-2006.5.7 |
3.96% |
4.41% |
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2005.1.1-3.16 |
3.78% |
4.23% |
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2005.1.1前 |
3.60% |
4.05% |
商业性
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| 年限 |
1－5年 |
5－30年 |
| 2012.7.6后1.1倍 |
7.04% |
7.25% |
|
2012.6.8后基准 |
6.65% |
6.80% |
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2011.7.7后基准 |
6.90% |
7.05% |
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2011.4.6后基准 |
6.65% |
6.80% |
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2011.2.9后1.1倍 |
7.095% |
7.26% |
|
2011.2.9后基准 |
6.45% |
6.60% |
|
2011.2.9后85折 |
5.48% |
5.61% |
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2010.12.26后1.1倍 |
6.84% |
7.04% |
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2010.12.26后基准 |
6.22% |
6.40% |
|
2010.12.26后85折 |
5.29% |
5.44% |
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2010.10.20后1.1倍 |
6.56% |
6.75% |
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2010.10.20后基准 |
5.96% |
6.14% |
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2010.10.20后85折 |
5.07% |
5.22% |
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2008.12.23后85折 |
4.90% |
5.05% |
|
2008.12.23后7折 |
4.03% |
4.16% |
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08.12.23后1.1倍 |
6.34% |
6.53% |
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2008.12.23后基准 |
5.76% |
5.94% |
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2008.11.27后下限 |
4.16% |
4.28% |
|
2008.11.27后上限 |
6.53% |
6.73% |
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2008.11.27后基准 |
5.94% |
6.12% |
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2008.10.30后下限 |
4.91% |
5.04% |
|
2008.10.30后上限 |
7.72% |
7.92% |
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2008.10.30后基准 |
7.02% |
7.20% |
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2008.10.27后下限 |
5.10% |
5.23% |
|
2008.10.27后上限 |
8.02% |
8.22% |
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2008.10.27后基准 |
7.29% |
7.47% |
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2008.10.09后下限 |
6.20% |
6.35% |
|
2008.10.09后上限 |
8.02% |
8.22% |
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2008.10.09后基准 |
7.29% |
7.47% |
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2008.09.16后下限 |
6.426% |
6.579% |
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2008.09.16后上限 |
8.32% |
8.51% |
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2008.09.16后基准 |
7.56% |
7.74% |
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2007.12.21后下限 |
6.579% |
6.65% |
|
2007.12.21后上限 |
8.51% |
8.61% |
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2007.12.21后基准 |
7.74% |
7.83% |
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2007.9.15后 |
7.56% |
7.83% |
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2007.8.22后 |
7.38% |
7.56% |
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2007.7.21后 |
7.20% |
7.38% |
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2007.5.19后 |
6.93% |
7.20% |
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2007.3.18后上限 |
6.75% |
7.11% |
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2007.3.18后下限 |
5.74% |
6.04% |
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2006.8.19后上限 |
6.48% |
6.84% |
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2006.8.19后下限 |
5.51% |
5.81% |
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2006.4.28后上限 |
6.12% |
6.39% |
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2006.4.28后下限 |
5.51% |
5.75% |
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