建设银行2013年房贷利率

建设银行2013年房贷利率项目年利率（%)一、短期贷款六个月以内（含六个月）5.60六个月至一年（含一年）6.00二、中长期贷款一至三年（含三年）6.15三至五年（含五年）6.40五年以上6.55三、贴现贴现以再贴利率为下限加点确定相关说明：建设银行个人住房贷款特色产品系列：“房易安”房屋交易资金托管业务、固定利率个人住房贷款、青春无忧等额递增还款方式、宽限期还款方式、“存贷通”个人贷款增值账户、合力贷等。1、贷款用途：用于支持个人在中国大陆境内城镇购买、建造、大修住房。2、贷款对象：具有完全民事行为能力的中国公民，在中国大陆有居留权的具有完全民事行为能力的港澳台自然人，在中国大陆境内有居留权的具有完全民事行为能力的外国人。3、贷款条件：借款人必须同时具备下列条件：（1）有合法的身份。（2）有稳定的经济收入，信用良好，有偿还贷款本息的能力。（3）有合法有效的购买、建造、大修住房的合同、 协议 离婚协议模板下载合伙人协议 下载渠道分销协议免费下载敬业协议下载授课协议下载 以及贷款行要求提供的其他证明文件。（4）有所购住房全部价款30%以上的自筹资金（对购买自住住房且套型建筑面积90平方米以下的,自筹资金比例为20%），并保证用于支付所购住房的首付款。（5）有贷款行认可的资产进行抵押或质押，或（和）有足够代偿能力的法人、其他经济组织或自然人作为保证人。（6）贷款行规定的其他条件。这里做相关说明，一般只要信用好，有稳定收入，有偿还贷款本息的能力，参考以上建设银行房贷利率，基本上可以完成建行房贷。按5年以上贷款利率6.55%上浮15%后利率为：6.55%（115%）=7.5325%用 公式 小学单位换算公式大全免费下载公式下载行测公式大全下载excel公式下载逻辑回归公式下载 计算月等额还款额：请输入以下信息：贷款总额：元年利率：%贷款期限：年起贷日期：计算结果：月还款：10,383.48还款期数：72利息总计：147,610.56本息总计：747,610.56期数还款日期期初余额还款额本金利息期末余额12014-1-24600,000.0010,383.486,617.283,766.20593,382.7222014-2-24593,382.7210,383.486,658.823,724.66586,723.9032014-3-24586,723.9010,383.486,700.613,682.87580,023.2942014-4-24580,023.2910,383.486,742.673,640.81573,280.6252014-5-24573,280.6210,383.486,785.003,598.48566,495.6262014-6-24566,495.6210,383.486,827.593,555.89559,668.0372014-7-24559,668.0310,383.486,870.443,513.04552,797.5982014-8-24552,797.5910,383.486,913.573,469.91545,884.0292014-9-24545,884.0210,383.486,956.973,426.51538,927.05102014-10-24538,927.0510,383.487,000.633,382.85531,926.42112014-11-24531,926.4210,383.487,044.583,338.90524,881.84122014-12-24524,881.8410,383.487,088.803,294.68517,793.04132015-1-24517,793.0410,383.487,133.293,250.19510,659.75142015-2-24510,659.7510,383.487,178.073,205.41503,481.68152015-3-24503,481.6810,383.487,223.133,160.35496,258.55162015-4-24496,258.5510,383.487,268.473,115.01488,990.08172015-5-24488,990.0810,383.487,314.093,069.39481,675.99182015-6-24481,675.9910,383.487,360.003,023.48474,315.99192015-7-24474,315.9910,383.487,406.202,977.28466,909.79202015-8-24466,909.7910,383.487,452.692,930.79459,457.10212015-9-24459,457.1010,383.487,499.472,884.01451,957.63222015-10-24451,957.6310,383.487,546.542,836.94444,411.09232015-11-24444,411.0910,383.487,593.912,789.57436,817.18242015-12-24436,817.1810,383.487,641.582,741.90429,175.60252016-1-24429,175.6010,383.487,689.542,693.94421,486.06262016-2-24421,486.0610,383.487,737.812,645.67413,748.25272016-3-24413,748.2510,383.487,786.382,597.10405,961.87282016-4-24405,961.8710,383.487,835.262,548.22398,126.61292016-5-24398,126.6110,383.487,884.442,499.04390,242.17302016-6-24390,242.1710,383.487,933.932,449.55382,308.24312016-7-24382,308.2410,383.487,983.732,399.75374,324.51322016-8-24374,324.5110,383.488,033.852,349.63366,290.66332016-9-24366,290.6610,383.488,084.272,299.21358,206.39342016-10-24358,206.3910,383.488,135.022,248.46350,071.37352016-11-24350,071.3710,383.488,186.082,197.40341,885.29362016-12-24341,885.2910,383.488,237.472,146.01333,647.82372017-1-24333,647.8210,383.488,289.172,094.31325,358.65382017-2-24325,358.6510,383.488,341.202,042.28317,017.45392017-3-24317,017.4510,383.488,393.561,989.92308,623.89402017-4-24308,623.8910,383.488,446.251,937.23300,177.64412017-5-24300,177.6410,383.488,499.261,884.22291,678.38422017-6-24291,678.3810,383.488,552.611,830.87283,125.77432017-7-24283,125.7710,383.488,606.301,777.18274,519.47442017-8-24274,519.4710,383.488,660.321,723.16265,859.15452017-9-24265,859.1510,383.488,714.681,668.80257,144.47462017-10-24257,144.4710,383.488,769.381,614.10248,375.09472017-11-24248,375.0910,383.488,824.431,559.05239,550.66482017-12-24239,550.6610,383.488,879.821,503.66230,670.84492018-1-24230,670.8410,383.488,935.561,447.92221,735.28502018-2-24221,735.2810,383.488,991.651,391.83212,743.63512018-3-24212,743.6310,383.489,048.091,335.39203,695.54522018-4-24203,695.5410,383.489,104.881,278.60194,590.66532018-5-24194,590.6610,383.489,162.031,221.45185,428.63542018-6-24185,428.6310,383.489,219.541,163.94176,209.09552018-7-24176,209.0910,383.489,277.421,106.06166,931.67562018-8-24166,931.6710,383.489,335.651,047.83157,596.02572018-9-24157,596.0210,383.489,394.25989.23148,201.77582018-10-24148,201.7710,383.489,453.22930.26138,748.55592018-11-24138,748.5510,383.489,512.56870.92129,235.99602018-12-24129,235.9910,383.489,572.27811.21119,663.72612019-1-24119,663.7210,383.489,632.35751.13110,031.37622019-2-24110,031.3710,383.489,692.81690.67100,338.56632019-3-24100,338.5610,383.489,753.65629.8390,584.91642019-4-2490,584.9110,383.489,814.88568.6080,770.03652019-5-2480,770.0310,383.489,876.49506.9970,893.54662019-6-2470,893.5410,383.489,938.48445.0060,955.06672019-7-2460,955.0610,383.4810,000.87382.6150,954.19682019-8-2450,954.1910,383.4810,063.64319.8440,890.55692019-9-2440,890.5510,383.4810,126.81256.6730,763.74702019-10-2430,763.7410,383.4810,190.38193.1020,573.36712019-11-2420,573.3610,383.4810,254.34129.1410,319.02722019-12-2410,319.0210,383.4810,318.7164.77.31使用说明：1、本计算结果以“等额本息”还款方式计算。2、本月还息=本月余额×月利率3、本月还本=每月还款额-本月还息4、本 表 关于同志近三年现实表现材料材料类招标技术评分表图表与交易pdf视力表打印pdf用图表说话 pdf 计算结果有关数据仅供参考，不作为扣款依据。如按5年以上贷款利率6.55%上浮10%后利率为：6.55%（110%）=7.205%用公式计算月等额还款额：请输入以下信息：贷款总额：元年利率：%贷款期限：年起贷日期：计算结果：月还款：10,288.51还款期数：72利息总计：140,772.72本息总计：740,772.72期数还款日期期初余额还款额本金利息期末余额12014-1-24600,000.0010,288.516,686.113,602.40593,313.8922014-2-24593,313.8910,288.516,726.253,562.26586,587.6432014-3-24586,587.6410,288.516,766.643,521.87579,821.0042014-4-24579,821.0010,288.516,807.263,481.25573,013.7452014-5-24573,013.7410,288.516,848.143,440.37566,165.6062014-6-24566,165.6010,288.516,889.253,399.26559,276.3572014-7-24559,276.3510,288.516,930.613,357.90552,345.7482014-8-24552,345.7410,288.516,972.233,316.28545,373.5192014-9-24545,373.5110,288.517,014.093,274.42538,359.42102014-10-24538,359.4210,288.517,056.203,232.31531,303.22112014-11-24531,303.2210,288.517,098.573,189.94524,204.65122014-12-24524,204.6510,288.517,141.193,147.32517,063.46132015-1-24517,063.4610,288.517,184.063,104.45509,879.40142015-2-24509,879.4010,288.517,227.193,061.32502,652.21152015-3-24502,652.2110,288.517,270.593,017.92495,381.62162015-4-24495,381.6210,288.517,314.242,974.27488,067.38172015-5-24488,067.3810,288.517,358.152,930.36480,709.23182015-6-24480,709.2310,288.517,402.332,886.18473,306.90192015-7-24473,306.9010,288.517,446.782,841.73465,860.12202015-8-24465,860.1210,288.517,491.492,797.02458,368.63212015-9-24458,368.6310,288.517,536.462,752.05450,832.17222015-10-24450,832.1710,288.517,581.712,706.80443,250.46232015-11-24443,250.4610,288.517,627.232,661.28435,623.23242015-12-24435,623.2310,288.517,673.032,615.48427,950.20252016-1-24427,950.2010,288.517,719.102,569.41420,231.10262016-2-24420,231.1010,288.517,765.442,523.07412,465.66272016-3-24412,465.6610,288.517,812.072,476.44404,653.59282016-4-24404,653.5910,288.517,858.972,429.54396,794.62292016-5-24396,794.6210,288.517,906.162,382.35388,888.46302016-6-24388,888.4610,288.517,953.622,334.89380,934.84312016-7-24380,934.8410,288.518,001.382,287.13372,933.46322016-8-24372,933.4610,288.518,049.422,239.09364,884.04332016-9-24364,884.0410,288.518,097.752,190.76356,786.29342016-10-24356,786.2910,288.518,146.372,142.14348,639.92352016-11-24348,639.9210,288.518,195.282,093.23340,444.64362016-12-24340,444.6410,288.518,244.482,044.03332,200.16372017-1-24332,200.1610,288.518,293.981,994.53323,906.18382017-2-24323,906.1810,288.518,343.781,944.73315,562.40392017-3-24315,562.4010,288.518,393.871,894.64307,168.53402017-4-24307,168.5310,288.518,444.271,844.24298,724.26412017-5-24298,724.2610,288.518,494.971,793.54290,229.29422017-6-24290,229.2910,288.518,545.971,742.54281,683.32432017-7-24281,683.3210,288.518,597.281,691.23273,086.04442017-8-24273,086.0410,288.518,648.901,639.61264,437.14452017-9-24264,437.1410,288.518,700.831,587.68255,736.31462017-10-24255,736.3110,288.518,753.071,535.44246,983.24472017-11-24246,983.2410,288.518,805.621,482.89238,177.62482017-12-24238,177.6210,288.518,858.491,430.02229,319.13492018-1-24229,319.1310,288.518,911.681,376.83220,407.45502018-2-24220,407.4510,288.518,965.181,323.33211,442.27512018-3-24211,442.2710,288.519,019.011,269.50202,423.26522018-4-24202,423.2610,288.519,073.161,215.35193,350.10532018-5-24193,350.1010,288.519,127.641,160.87184,222.46542018-6-24184,222.4610,288.519,182.441,106.07175,040.02552018-7-24175,040.0210,288.519,237.571,050.94165,802.45562018-8-24165,802.4510,288.519,293.03995.48156,509.42572018-9-24156,509.4210,288.519,348.83939.68147,160.59582018-10-24147,160.5910,288.519,404.96883.55137,755.63592018-11-24137,755.6310,288.519,461.43827.08128,294.20602018-12-24128,294.2010,288.519,518.23770.28118,775.97612019-1-24118,775.9710,288.519,575.38713.13109,200.59622019-2-24109,200.5910,288.519,632.87655.6499,567.72632019-3-2499,567.7210,288.519,690.71597.8089,877.01642019-4-2489,877.0110,288.519,748.89539.6280,128.12652019-5-2480,128.1210,288.519,807.42481.0970,320.70662019-6-2470,320.7010,288.519,866.30422.2160,454.40672019-7-2460,454.4010,288.519,925.54362.9750,528.86682019-8-2450,528.8610,288.519,985.13303.3840,543.73692019-9-2440,543.7310,288.5110,045.09243.4230,498.64702019-10-2430,498.6410,288.5110,105.40183.1120,393.24712019-11-2420,393.2410,288.5110,166.07122.4410,227.17722019-12-2410,227.1710,288.5110,227.1161.40.06使用说明：1、本计算结果以“等额本息”还款方式计算。2、本月还息=本月余额×月利率3、本月还本=每月还款额-本月还息4、本表计算结果有关数据仅供参考，不作为扣款依据。由于利率由原来上浮10%增加到15%，每月还款额增加（10,383.48-10,288.51）=94.97元，还款总额增加（747,610.56-740,772.72）=6837.84元。等额本息VS等额本金谈银行按揭还款法目前，银行的个人住房货款的还款方式主要有等额本息和等额本金两种方式。等额本息还贷方式每月按相同金额还贷款本息，月还款中利息逐月递减，本金逐月递增；等额本金还贷方式还款金额递减，月还款中本金保持相同金额，利息逐月递减。二者的主要区别在于，前者每期还款金额相同，即每月本金加利息总额相同，客户还贷压力均衡，但利息负担相对较多；后者又叫‘递减还款法’,每月本金相同,利息不同,前期还款压力大,但以后的还款金额逐渐递减,利息总负担较少。现在知道这两种方式的人们几乎都认为选择等额本金划算,因为选择等额本息多支付了本息,而等额本金则少支付利息,而且认为一旦提前还贷时，会发现等额本息的还款，原来自己前期还的钱绝大部分是利息，而不是本金，由此会觉得吃亏很多。总体来看，“等额本息”是会比“递减还款”多付一些利息。以1万元20年期贷款为 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，前者会比后者多支付800多元的利息。40万20年期的贷款，则要多支付800×40=32000元的利息。看似银行多收了利息，但实际上，等额本金还款法随着本金的递减，银行可以加速还款，尽快回笼资金，降低经营风险在这一点上是有利于防范风险的。在实际操作中,等额本息更利于客户的掌握,方便客户还款.事实上有很多客户在进行比较后,还是愿意选择了“等额还款方式”，因为这钟方式月还款额固定，便于客户记忆，还款压力均衡，实际与等额本金差别不大。因为这些客户也同样看到了因为时间使资金的使用价值产生了不同，简单说就是等额本息还款法由于自己占用银行的本金时间长，自然就要多付些利息；等额本金还款法随着本金的递减，自己占用银行的本金时间短，利息也自然减少，并不存在自己吃亏，而银行赚取更多利息的问题。实质上，两种贷款方式是一致的，没有优劣之分。只有在需求的不同时，才有不同的选择。因为等额本息还款法还款压力均衡但需多付些利息，所以适合有一定积蓄，但收入可能持平或下降、生活负担日益加重、并且没有打算提前还款的人群。而等额本金还款法，由于贷款人本金归还得快，利息就可以少付，但前期还款额度大，因此适合当前收入较高者、或预计不久将来收入大幅增长，准备提前还款人群，则较为有利。等额本金还款时还款额是递减的，等额本息每月还款额是固定的。绝大部分购房者采取等额本息的还款方式，很少有人选择等额本金的还款方式。殊不知，在相同贷款金额、利率和贷款年限的条件下，“等额本金还款法”的利息总额要少于“等额本息还款法”。特别是在当前利率发生明显变动的情况下，等额本金还款法支付的利息总额更要明显少于等额本息还款法。比如，王先生要购买一套70万元的房子，贷款50万元。在相同的贷款年限下，等额本息还款因利率上调引起的利息增加额，要明显大于等额本金还款因利率上调引起的利息增加额。同样是10年期，利率如从5.31%升至5.51%，等额本息还款利息增加了5932元，而等额本金增加额为5042元，两者差额达到了890元；25年期的两者差额更是相差5297元。贷款计算器：商业贷款利率1-5年5-30年12年07月06日后6.40%6.55%12.06.08后6.65%6.80%11.07.07后6.90%7.05%11.04.06后6.65%6.80%