等額本息還款法
等額本息還款方式：是在還款期內，每月償還同等數額的貸款(包括本金和利息)，這樣由于每月的還款額固定，可以有計劃地控制家庭收入的支出，也便于每個家庭根據自己的收入情況，確定還貸能力。
注：１北京公積金貸款最高額度為80萬元人民幣左右；
?。矊σ奄J款購買一套住房但人均面積低于當地平均水平，再申請購買第二套普通自住房的居民，
比照執行首次貸款購買普通自住房的優惠政策。
貸款計算器：公積金貸款利率
| 年限 | 1-5年 | 5-30年 |
|---|---|---|
| 2011.7.7后 | 4.45% | 4.90% |
| 2011.4.6后 | 4.20% | 4.70% |
| 2011.2.9后 | 4.00% | 4.50% |
| 2010.12.26后 | 3.75% | 4.30% |
| 2010.10.20后 | 3.50% | 4.05% |
| 2008.12.23后 | 3.33% | 3.87% |
| 2008.11.27后 | 3.51% | 4.05% |
| 2008.10.09后 | 4.32% | 4.86% |
| 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% |
| 2005.3.17-2006.5.7 | 3.96% | 4.41% |
| 2005.1.1-3.16 | 3.78% | 4.23% |
| 2005.1.1前 | 3.60% | 4.05% |
貸款計算器：商業貸款利率
| 年限 | 1-5年 | 5-30年 |
|---|---|---|
| 2011.7.7后1.1倍 | 7.59% | 7.75% |
| 2011.7.7后基準 | 6.90% | 7.05% |
| 2011.7.7后85折 | 5.86% | 5.99% |
| 2011.4.6后1.1倍 | 7.32% | 7.48% |
| 2011.4.6后基準 | 6.65% | 6.80% |
| 2011.4.6后85折 | 5.65% | 5.78% |
| 2011.2.9后1.1倍 | 7.095% | 7.26% |
| 2011.2.9后基準 | 6.45% | 6.60% |
| 2011.2.9后85折 | 5.48% | 5.61% |
| 2010.12.26后1.1倍 | 6.84% | 7.04% |
| 2010.12.26后基準 | 6.22% | 6.40% |
| 2010.12.26后85折 | 5.29% | 5.44% |
| 2010.10.20后1.1倍 | 6.56% | 6.75% |
| 2010.10.20后基準 | 5.96% | 6.14% |
| 2010.10.20后85折 | 5.07% | 5.22% |
| 2008.12.23后85折 | 4.90% | 5.05% |
| 2008.12.23后7折 | 4.03% | 4.16% |
| 08.12.23后1.1倍 | 6.34% | 6.53% |
| 2008.12.23后基準 | 5.76% | 5.94% |
| 2008.11.27后下限 | 4.16% | 4.28% |
| 2008.11.27后上限 | 6.53% | 6.73% |
| 2008.11.27后基準 | 5.94% | 6.12% |
| 2008.10.30后下限 | 4.91% | 5.04% |
| 2008.10.30后上限 | 7.72% | 7.92% |
| 2008.10.30后基準 | 7.02% | 7.20% |
| 2008.10.27后下限 | 5.10% | 5.23% |
| 2008.10.27后上限 | 8.02% | 8.22% |
| 2008.10.27后基準 | 7.29% | 7.47% |
| 2008.10.09后下限 | 6.20% | 6.35% |
| 2008.10.09后上限 | 8.02% | 8.22% |
| 2008.10.09后基準 | 7.29% | 7.47% |
| 2008.09.16后下限 | 6.426% | 6.579% |
| 2008.09.16后上限 | 8.32% | 8.51% |
| 2008.09.16后基準 | 7.56% | 7.74% |
| 2007.12.21后下限 | 6.579% | 6.65% |
| 2007.12.21后上限 | 8.51% | 8.61% |
| 2007.12.21后基準 | 7.74% | 7.83% |
| 2007.9.15后 | 7.56% | 7.83% |
| 2007.8.22后 | 7.38% | 7.56% |
| 2007.7.21后 | 7.20% | 7.38% |
| 2007.5.19后 | 6.93% | 7.20% |
| 2007.3.18后上限 | 6.75% | 7.11% |
| 2007.3.18后下限 | 5.74% | 6.04% |
| 2006.8.19后上限 | 6.48% | 6.84% |
| 2006.8.19后下限 | 5.51% | 5.81% |
| 2006.4.28后上限 | 6.12% | 6.39% |
| 2006.4.28后下限 | 5.51% | 5.75% |
