招商银行_手工算息表(1216)

更更新新日日期期:2008-12-162008-12-16月月均均还还款款法法1-30年还款参考表递递减减还还款款法法现行贷款利率表灵灵活活还还款款法法利率变动跟踪表固固定定还还款款额额推推算算期期限限身份证号码查询系统提提前前还还款款违违约约金金计计息息表表万年历公公积积金金贷贷款款使用说明编辑:屈明磊月月均均还还款款法法（等等额额本本息息还还款款法法）利利率率种种类类贷贷款款本本金金(元元)期期限限(月月)浮浮动动比比年年利利率率月月利利率率月月还还款款额额预预计计总总支支付付利利息息住房贷款优惠利率基准利率浮动利率其它返返回回首首页页递递减减还还款款法法（等等额额本本金金还还款款法法）利利率率种种类类贷贷款款本本金金(元元)期期限限(月月)浮浮动动比比年年利利率率月月利利率率月月还还款款额额（首首期期）逐逐月月递递减减额额预预计计总总支支付付利利息息住房贷款优惠利率基准利率浮动利率其它返返回回首首页页灵灵活活还还款款法法还还款款方方式式贷贷款款本本金金(元元)期期限限(月月)年年利利率率月月利利率率按月付息，到期还本按月付息，按季还本到期一次性还本付息注：以上还款方式请在政策允许范围内使用返返回回首首页页月月还还款款额额预预计计总总支支付付利利息息到到期期还还款款金金额额灵灵活活还还款款法法提提前前还还款款违违约约金金计计算算表表还还款款金金额额(元元)年年利利率率应应还还违违约约金金正正常常贷贷款款结结清清计计息息表表贷贷款款本本金金(元元)年年利利率率贷贷款款日日还还款款日日应应还还利利息息 本本息息合合计计逾逾期期贷贷款款结结清清计计息息表表贷贷款款本本金金(元元)正正常常利利率率（年年）逾逾期期利利率率（日日）贷贷款款日日到到期期日日还还款款日日应应还还利利息息 本本息息合合计计返返回回首首页页固固定定还还款款额额推推算算期期限限还还款款方方式式贷贷款款本本金金(元元)年年利利率率(%)(%)月月还还款款额额(元元)参参考考贷贷款款期期限限(月月)月月均均还还款款法法递递减减还还款款法法（首首期期）返返回回首首页页返返回回首首页页个人按揭贷款还款参考表以贷款 1万元 为例：单单位位：元元贷贷款款年年限限基基准准利利率率利利率率下下浮浮-15%月月均均还还款款法法/等等额额本本息息法法递递减减还还款款法法/等等额额本本金金法法实实际际执执行行年年利利率率（%）实实际际执执行行月月利利率率（）月月还还款款额额预预计计总总支支付付利利息息首首期期还还款款额额 递递减减额额预预计计总总支支付付利利息息（年年）（%）15.58%4.7430%3.95250854.90258.77872.863.29256.9125.67%4.8195%4.01625437.91509.74456.831.67502.033298.90760.37317.941.12743.0145.94%5.0490%4.20750230.511064.72250.410.881030.845188.941336.21208.740.701283.2966.12%5.2020%4.33500161.991663.14182.240.601582.287142.291952.38162.400.521842.388127.562246.06147.520.452102.489116.152544.17135.940.402362.5810107.062846.67126.680.362622.671199.653153.56119.110.332882.781293.513464.81112.790.303142.881388.343780.39107.450.283402.981483.934100.26102.870.263663.081580.144424.4198.910.243923.181676.844752.7995.430.234183.271773.955085.3892.370.214443.381871.405422.1389.650.204703.481969.145763.0187.210.194963.582067.126107.9785.020.185223.682165.316456.9883.030.175483.782263.676809.9981.230.165743.882362.207166.9679.580.166003.972460.867527.8478.070.156264.082559.647892.5876.680.146524.172658.538261.1375.400.146784.282757.518633.4474.210.137044.382856.589009.4773.110.137304.482955.729389.1572.090.127564.573054.929772.4471.130.127824.68返返回回首首页页贷款利率变动跟踪表 项项 目目2008.10.30调调整整2008.10.09调调整整2008.09.16调调整整2007.12.21调调整整2007.9.15调调整整年利率月利率年利率月利率年利率月利率年利率月利率年利率月利率短期贷款六个月以下（含六个月）6.030000%0.502500%6.120000%0.510000%6.210000%0.517500%6.570000%0.547500%6.480000%0.540000%六个月至一年（含一年）6.660000%0.555000%6.930000%0.577500%7.200000%0.600000%7.470000%0.622500%7.290000%0.607500%中长期贷款一年以上至三年（含三年）6.750000%0.562500%7.020000%0.585000%7.290000%0.607500%7.560000%0.630000%7.470000%0.622500%三年以上至五年（含五年）7.020000%0.585000%7.290000%0.607500%7.560000%0.630000%7.740000%0.645000%7.650000%0.637500%五年以上7.200000%0.600000%7.470000%0.622500%7.740000%0.645000%7.830000%0.652500%7.830000%0.652500%个人住房贷款个人住房公积金贷款五年以下（含五年）4.050000%0.337500%4.320000%0.360000%4.590000%0.382500%4.770000%0.397500%4.770000%0.397500%五年以上4.590000%0.382500%4.860000%0.405000%5.130000%0.427500%5.220000%0.435000%5.220000%0.435000%自营性个人住房贷款6个月以下（含6个月）5.125500%0.427125%5.202000%0.433500%5.278500%0.439875%5.584500%0.465375%5.508000%0.459000%6个月1年（含1年）5.661000%0.471750%5.890500%0.490875%6.120000%0.510000%6.349500%0.529125%6.196500%0.516375%13年（含3年）5.737500%0.478125%5.967000%0.497250%6.196500%0.516375%6.426000%0.535500%6.349500%0.529125%35年（含5年）5.967000%0.497250%6.196500%0.516375%6.426000%0.535500%6.579000%0.548250%6.502500%0.541875%5年以上6.120000%0.510000%6.349500%0.529125%6.579000%0.548250%6.655500%0.554625%6.655500%0.554625%优惠贷款利率船舶4.050000%0.337500%4.320000%0.360000%4.590000%0.382500%4.860000%0.405000%4.680000%0.390000%成套和高技术含量4.860000%0.405000%5.130000%0.427500%5.400000%0.450000%5.670000%0.472500%5.490000%0.457500%低技术含量和一般产品5.580000%0.465000%5.850000%0.487500%6.120000%0.510000%6.390000%0.532500%6.210000%0.517500%民政部门福利工厂贷款5.220000%0.435000%5.490000%0.457500%5.760000%0.480000%6.030000%0.502500%5.850000%0.487500%老少边穷发展经济贷款3.780000%0.315000%4.050000%0.337500%4.320000%0.360000%4.590000%0.382500%4.410000%0.367500%贫困县办工业贷款3.780000%0.315000%4.050000%0.337500%4.320000%0.360000%4.590000%0.382500%4.410000%0.367500%民族贸易及民族用品生产贷款3.780000%0.315000%4.050000%0.337500%4.320000%0.360000%4.590000%0.382500%4.410000%0.367500%存款利率表项项 目目2008.10.30调调整整2008.10.09调调整整2007.12.21调调整整2007.9.15调调整整2007.8.22调调整整活期0.72%0.72%0.72%0.81%0.81%定期存款三个月2.88%3.15%3.33%2.88%2.61%半 年3.24%3.51%3.78%3.42%3.15%一 年3.60%3.87%4.14%3.87%3.60%二 年4.14%4.41%4.68%4.50%4.23%三 年4.77%5.13%5.40%5.22%4.95%五 年5.13%5.58%5.85%5.76%5.49%零存整取一 年2.88%3.15%3.33%2.88%2.61%三 年3.24%3.51%3.78%3.42%3.15%五 年3.60%3.87%4.14%3.87%3.60%协定1.53%1.53%1.53%1.53%1.53%通知存款一天1.17%1.17%1.17%1.17%1.17%七天1.71%1.71%1.71%1.71%1.71%存存款款准准备备金金率率历历次次调调整整情情况况表表调调整整时时间间调调整整前前调调整整后后调调整整幅幅度度2008年06月25日17.00%17.50%0.50%2008年06月15日16.50%17.00%0.50%2008年05月20日16.00%16.50%0.50%2008年04月25日15.50%16.00%0.50%2008年03月25日15.00%15.50%0.50%2008年01月25日14.50%15.00%0.50%2007年12月25日13.50%14.50%1%2007年11月26日13.00%13.50%0.50%2007年10月25日12.50%13.00%0.50%2007年09月25日12.00%12.50%0.50%2007年08月15日11.50%12.00%0.50%2007年06月05日11.00%11.50%0.50%2007年05月15日10.50%11.00%0.50%2007年04月16日10.00%10.50%0.50%2007年02月25日9.50%10.00%0.50%2007年01月15日9.00%9.50%0.50%2006年11月15日8.50%9.00%0.50%2006年08月15日8.00%8.50%0.50%2006年07月05日7.50%8.00%0.50%2004年04月25日7.00%7.50%0.50%2003年09月21日6.00%7.00%1%1999年11月21日8.00%6.00%-2%1998年03月21日13.00%8.00%-5%1988年09月01日12.00%13.00%1%1987年10.00%12.00%2%1985年央行将法定存款准备金率统一调整为101984年央行按存款种类规定法定存款准备金率，企业存款20%，农村存款25%，储蓄存款40%2007.8.22调调整整2007.7.21调调整整2007.5.18调调整整2007.3.18调调整整2006.8.19调调整整2006.4.28调调整整2005.3.17调调整整（住住房房贷贷款款优优惠惠利利率率）年利率月利率年利率月利率年利率月利率年利率月利率年利率月利率年利率月利率年利率月利率6.210000%0.517500%6.030000%0.502500%5.850000%0.487500%5.670000%0.472500%5.580000%0.465000%5.400000%0.450000%7.020000%0.585000%6.840000%0.570000%6.570000%0.547500%6.390000%0.532500%6.120000%0.510000%5.850000%0.487500%7.200000%0.600000%7.020000%0.585000%6.750000%0.562500%6.570000%0.547500%6.300000%0.525000%6.030000%0.502500%7.380000%0.615000%7.200000%0.600000%6.930000%0.577500%6.750000%0.562500%6.480000%0.540000%6.120000%0.510000%7.560000%0.630000%7.380000%0.615000%7.200000%0.600000%7.110000%0.592500%6.840000%0.570000%6.390000%0.532500%4.590000%0.382500%4.500000%0.375000%4.410000%0.367500%4.320000%0.360000%4.140000%0.345000%4.140000%0.345000%3.960000%0.330000%5.040000%0.420000%4.950000%0.412500%4.860000%0.405000%4.770000%0.397500%4.590000%0.382500%4.590000%0.382500%4.410000%0.367500%5.278500%0.439875%5.125500%0.427125%4.972500%0.414375%4.819500%0.401625%4.743000%0.395250%4.860000%0.405000%4.698000%0.391500%5.967000%0.497250%5.814000%0.484500%5.584500%0.465375%5.431500%0.452625%5.202000%0.433500%5.265000%0.438750%5.022000%0.418500%6.120000%0.510000%5.967000%0.497250%5.737500%0.478125%5.584500%0.465375%5.355000%0.446250%5.427000%0.452250%5.184000%0.432000%6.273000%0.522750%6.120000%0.510000%5.890500%0.490875%5.737500%0.478125%5.508000%0.459000%5.508000%0.459000%5.265000%0.438750%6.426000%0.535500%6.273000%0.522750%6.120000%0.510000%6.043500%0.503625%5.814000%0.484500%5.751000%0.479250%5.508000%0.459000%4.410000%0.367500%4.230000%0.352500%3.960000%0.330000%3.780000%0.315000%3.510000%0.292500%3.240000%0.270000%5.220000%0.435000%5.040000%0.420000%4.770000%0.397500%4.590000%0.382500%4.320000%0.360000%4.050000%0.337500%5.940000%0.495000%5.760000%0.480000%5.490000%0.457500%5.310000%0.442500%5.040000%0.420000%4.770000%0.397500%5.580000%0.465000%5.400000%0.450000%5.130000%0.427500%4.950000%0.412500%4.680000%0.390000%4.410000%0.367500%4.140000%0.345000%3.960000%0.330000%3.690000%0.307500%3.510000%0.292500%3.240000%0.270000%2.970000%0.247500%4.140000%0.345000%3.960000%0.330000%3.690000%0.307500%3.510000%0.292500%3.240000%0.270000%2.970000%0.247500%4.140000%0.345000%3.960000%0.330000%3.690000%0.307500%3.510000%0.292500%3.240000%0.270000%2.970000%0.247500%单位:年率%2007.7.21调调整整2007.5.18调调整整2007.3.18调调整整2006.8.19调调整整2005.3.17调调整整2002.2.21调调整整0.81%0.72%0.72%0.72%0.72%0.72%2.34%2.07%1.98%1.80%1.71%1.71%2.88%2.61%2.43%2.25%2.07%1.89%3.33%3.06%2.79%2.52%2.25%1.98%3.96%3.69%3.33%3.06%2.70%2.25%4.68%4.41%3.96%3.69%3.24%2.52%5.22%4.95%4.41%4.14%3.60%2.79%2.34%2.07%1.98%1.80%1.71%1.71%2.88%2.61%2.43%2.25%2.07%1.89%3.33%3.06%2.79%2.52%2.25%1.98%1.53%1.44%1.44%1.44%1.44%1.17%1.08%1.08%1.08%1.08%1.71%1.62%1.62%1.62%1.62%2004.10.29调调整整2002.2.21调调整整年利率月利率年利率月利率5.220000%0.435000%5.040000%0.420000%5.580000%0.465000%5.310000%0.442500%5.760000%0.480000%5.490000%0.457500%5.850000%0.487500%5.580000%0.465000%6.120000%0.510000%5.760000%0.480000%3.780000%0.315000%3.600000%0.300000%4.230000%0.352500%4.050000%0.337500%4.950000%0.412500%4.770000%0.397500%5.310000%0.442500%5.040000%0.420000%4.140000%0.345000%3.870000%0.322500%2.700000%0.225000%2.430000%0.202500%2.700000%0.225000%2.430000%0.202500%2.700000%0.225000%2.430000%0.202500%现现行行贷贷款款利利率率返返回回首首页页更更新新日日期期:2008-12-162008-12-16期期限限基基准准利利率率住住房房优优惠惠年年利利率率六个月以下（含六个月）5.040000%4.284000%六个月至一年（含一年）5.580000%4.743000%一年以上至三年（含三年）5.670000%4.819500%三年以上至五年（含五年）5.940000%5.049000%五年以上6.120000%5.202000%个人住房公积金贷款五年以下（含五年）3.5100%五年以上4.0500%住住房房优优惠惠月月利利率率0.357000%0.395250%0.401625%0.420750%0.433500%0.292500%0.337500%身身份份证证号号码码查查询询系系统统输输入入身身份份证证号号码码性性别别年年龄龄出出生生日日期期所所属属省省份份所所属属地地区区15位位旧旧号号18位位新新号号返返回回首首页页2008鼠鼠返返回回首首页页星期日 星期一 星期二 星期三 星期四 星期五 星期六星期日 星期一 星期二 星期三 星期四 星期五星期六星期日 星期一 星期二 星期三 星期四 星期五 星期六12345121678910111234567892345678131415161718191011121314151691011121314152021222324252617181920212223161718192021222728293031242526272829232425262728293031星期日 星期一 星期二 星期三 星期四 星期五 星期六星期日 星期一 星期二 星期三 星期四 星期五星期六星期日 星期一 星期二 星期三 星期四 星期五 星期六12345123123456767891011124567891089101112131413141516171819111213141516171516171819202120212223242526181920212223242223242526272827282930252627282930312930星期日 星期一 星期二 星期三 星期四 星期五 星期六星期日 星期一 星期二 星期三 星期四 星期五星期六星期日 星期一 星期二 星期三 星期四 星期五 星期六1234512123456678910111234567897891011121313141516171819101112131415161415161718192020212223242526171819202122232122232425262727282930312425262728293028293031星期日 星期一 星期二 星期三 星期四 星期五 星期六星期日 星期一 星期二 星期三 星期四 星期五星期六星期日 星期一 星期二 星期三 星期四 星期五 星期六1234112345656789101123456787891011121312131415161718910111213141514151617181920192021222324251617181920212221222324252627262728293031232425262728292829303130月月均均还还款款法法（等等额额本本息息还还款款法法）贷贷款款品品种种贷贷款款本本金金(元元)期期限限(月月)年年利利率率月月利利率率月月还还款款额额预预计计总总支支付付利利息息公积金贷款递递减减还还款款法法（等等额额本本金金还还款款法法）贷贷款款品品种种贷贷款款本本金金(元元)期期限限(月月)年年利利率率月月利利率率月月还还款款额额（首首期期）逐逐月月递递减减额额 预预计计总总支支付付利利息息公积金贷款返返回回首首页页1-301-30年年还还款款参参考考表表返返回回公公积积金金返返回回首首页页公积金贷款还款参考表以贷款 1万元 为例：单单位位：元元贷贷款款年年限限（年年）年年利利率率月月利利率率月月均均还还款款法法/等等额额本本息息法法递递减减还还款款法法/等等额额本本金金法法（%）（）月月还还款款额额预预计计总总支支付付利利息息首首期期还还款款额额递递减减额额预预计计总总支支付付利利息息13.510%2.9250849.26191.14862.582.44190.1323.510%2.9250432.07369.72445.921.22365.6333.510%2.9250293.07550.34307.030.81541.1343.510%2.9250223.60733.02237.580.61716.6253.510%2.9250181.96917.73195.920.49892.1364.050%3.3750156.681280.94172.640.471231.8874.050%3.3750136.921501.14152.800.401434.3884.050%3.3750122.131724.05137.920.351636.8894.050%3.3750110.641949.65126.340.311839.38104.050%3.3750101.482177.95117.080.282041.88114.050%3.375094.012408.94109.510.262244.37124.050%3.375087.802642.60103.190.232446.88134.050%3.375082.562878.9297.850.222649.38144.050%3.375078.083117.9093.270.202851.88154.050%3.375074.223359.5389.310.193054.38164.050%3.375070.853603.7885.830.183256.88174.050%3.375067.903850.6682.770.173459.38184.050%3.375065.284100.1380.050.163661.88194.050%3.375062.954352.2077.610.153864.38204.050%3.375060.864606.8475.420.144066.88214.050%3.375058.984864.0373.430.134269.38224.050%3.375057.295123.7771.630.134471.88234.050%3.375055.755386.0369.980.124674.37244.050%3.375054.345650.8068.470.124876.88254.050%3.375053.065918.0567.080.115079.37264.050%3.375051.886187.7665.800.115281.88274.050%3.375050.806459.9364.610.105484.38284.050%3.375049.816734.5163.510.105686.88294.050%3.375048.887011.5162.490.105889.37304.050%3.375048.037290.8861.530.096091.88月月均均还还款款法法本本金金（元元）期期限限（月月）利利率率（年年）返回月均法返回首页次数本金利息合计次数本金利息合计次数本金利息合计次数本金利息合计次数本金利息合计123456789101112131415161718192021222324252627282930313233343536373839404142434445464748495051525354555657585960616263646566676869月月均均还还款款法法7071本金利息总额72合计73合计月月均均还还款款法法本本金金（元元）期期限限（月月）利利率率（年年）返回月均法返回首页次数本金利息合计次数本金利息合计次数本金利息合计次数本金利息合计次数本金利息合计月月均均还还款款法法本金利息总额合计月月均均还还款款法法本本金金（元元）期期限限（月月）利利率率（年年）返回月均法返回首页次数本金利息合计次数本金利息合计次数本金利息合计次数本金利息合计次数本金利息合计月月均均还还款款法法本金利息总额合计月月均均还还款款法法本本金金（元元）期期限限（月月）次数本金利息合计次数本金利息合计次数本金利息利利率率（年年）返回月均法返回首页合计次数本金利息合计次数本金利息合计月月均均还还款款法法本金利息总额合计递递减减还还款款法法本本金金（元元）期期限限（月月）利利率率（年年）返回递减法返回首页次数本金利息合计次数本金利息合计次数本金利息合计次数本金利息合计次数本金利息合计123456789101112131415161718192021222324252627282930313233343536373839404142434445464748495051525354555657585960616263646566676869递递减减还还款款法法7071本金利息总额72合计73递递减减还还款款法法本本金金（元元）期期限限（月月）利利率率（年年）返回递减法返回首页次数本金利息合计次数本金利息合计次数本金利息合计次数本金利息合计次数本金利息合计递递减减还还款款法法本金利息总额合计递递减减还还款款法法本本金金（元元）期期限限（月月）利利率率（年年）返回递减法返回首页次数本金利息合计次数本金利息合计次数本金利息合计次数本金利息合计次数本金利息合计递递减减还还款款法法本金利息总额合计递递减减还还款款法法本本金金（元元）期期限限（月月）次数本金利息合计次数本金利息合计次数本金利息利利率率（年年）返回递减法返回首页合计次数本金利息合计次数本金利息合计递递减减还还款款法法本金利息总额合计表格说明1 已安装Microsoft Excel软件的计算机均可使用此表；2 此表是在1024768屏幕分辨率下制作完成，若打开后表格显示不完整，可调整分辨率（调整为1024768）或调整表格显示比例（调整为80%）即可；3 此表格功能在不断完善中，最新版本请参看“首页”左上角的“更新日期”。4.各位同仁若有增加或修改表格功能的需求，就发邮件给我.功能说明月均还款法及递减还款法1.表内已预设下浮15%的住房优惠利率、基准利率及手工调整浮动比的利率，若须计算其它利率请在“其它”栏位输入；2.点击计算出的“月还款额”可得到月还款明细清单。表表格格制制作作：招招商商银银行行联联系系电电话话：9555595555邮邮 箱箱 ：oyt返返回回首首页页月月均均还还款款法法本本金金（元元）期期限限（月月）利利率率（年年）返回公积金返回首页次数本金利息合计次数本金利息合计次数本金利息合计次数本金利息合计次数本金利息合计月月均均还还款款法法本金利息总额合计合计递递减减还还款款法法本本金金（元元）期期限限（月月）利利率率（年年）返回公积金返回首页次数本金利息合计次数本金利息合计次数本金利息合计次数本金利息合计次数本金利息合计123456789101112131415161718192021222324252627282930313233343536373839404142434445464748495051525354555657585960616263646566676869递递减减还还款款法法7071本金利息总额72合计73合计按按月月付付息息，按按季季还还本本本本金金（元元）期期限限（月月）次数本金利息合计次数本金利息合计次数本金利息利利率率（年年）返回灵活法返回首页合计次数本金利息合计次数本金利息合计按按月月付付息息，按按季季还还本本本金利息总额合计