深圳房贷计算器

深圳公积金可贷额度往往同时受账户余额、房价和面积影响,不能只看最高额度这一项。商业贷款则主要看 LPR 加点和评估价。

更新于

深圳参考政策

更新于 。请以当地最新规定为准。

首套首付
20%
二套首付
30%
公积金单人上限
110 万元
公积金家庭上限
190 万元
商业贷款利率
3.3% / 3.7%
公积金利率
2.6% / 3.075%
全国 5 年期 LPR
3.5%
1 年期 LPR
3%

参考口径包含户籍、社保年限和家庭住房套数,过户前向深圳住建部门确认是否仍有限购或差别化信贷。

当前城市:深圳。利率和首付仍可修改。

取消勾选后按二套参考利率和首付重填,之后仍可改。

只用来反推房屋总价,月供按上面的贷款金额计算。

默认值来自 2026-09-22 的站内参考快照,可改成合同或公告上的利率。

贷款金额 100万元、年利率 3.3%、贷款年限 30年,月供 4,379.55 元,总利息 576,639.36 元,总还款 1,576,639.36 元。对照 2026-09-22 的站内参考快照,仅供参考。

月供

总利息576,639.36 元
总还款1,576,639.36 元
期数360 期

计算记录

记录只留在这台设备上,用来回看和对比,不会上传。

点「查看计算结果」或「保存这次」,这里会出现记录。

清空计算记录

这会删掉这台设备上保存的计算记录,删掉后不能恢复。

还款曲线

金额单位为元,左右滑动可看利息和剩余本金。

期数月供本金利息剩余本金
14,379.551,629.552,750.00998,370.45
24,379.551,634.032,745.52996,736.42
34,379.551,638.522,741.03995,097.90
44,379.551,643.032,736.52993,454.87
54,379.551,647.552,732.00991,807.32
64,379.551,652.082,727.47990,155.24
74,379.551,656.622,722.93988,498.62
84,379.551,661.182,718.37986,837.44
94,379.551,665.752,713.80985,171.69
104,379.551,670.332,709.22983,501.36
114,379.551,674.922,704.63981,826.44
124,379.551,679.532,700.02980,146.91
134,379.551,684.152,695.40978,462.76
144,379.551,688.782,690.77976,773.98
154,379.551,693.422,686.13975,080.56
164,379.551,698.082,681.47973,382.48
174,379.551,702.752,676.80971,679.73
184,379.551,707.432,672.12969,972.30
194,379.551,712.132,667.42968,260.17
204,379.551,716.832,662.72966,543.34
214,379.551,721.562,657.99964,821.78
224,379.551,726.292,653.26963,095.49
234,379.551,731.042,648.51961,364.45
244,379.551,735.802,643.75959,628.65
254,379.551,740.572,638.98957,888.08
264,379.551,745.362,634.19956,142.72
274,379.551,750.162,629.39954,392.56
284,379.551,754.972,624.58952,637.59
294,379.551,759.802,619.75950,877.79
304,379.551,764.642,614.91949,113.15
314,379.551,769.492,610.06947,343.66
324,379.551,774.352,605.20945,569.31
334,379.551,779.232,600.32943,790.08
344,379.551,784.132,595.42942,005.95
354,379.551,789.032,590.52940,216.92
364,379.551,793.952,585.60938,422.97
374,379.551,798.892,580.66936,624.08
384,379.551,803.832,575.72934,820.25
394,379.551,808.792,570.76933,011.46
404,379.551,813.772,565.78931,197.69
414,379.551,818.762,560.79929,378.93
424,379.551,823.762,555.79927,555.17
434,379.551,828.772,550.78925,726.40
444,379.551,833.802,545.75923,892.60
454,379.551,838.852,540.70922,053.75
464,379.551,843.902,535.65920,209.85
474,379.551,848.972,530.58918,360.88
484,379.551,854.062,525.49916,506.82
494,379.551,859.162,520.39914,647.66
504,379.551,864.272,515.28912,783.39
514,379.551,869.402,510.15910,913.99
524,379.551,874.542,505.01909,039.45
534,379.551,879.692,499.86907,159.76
544,379.551,884.862,494.69905,274.90
554,379.551,890.042,489.51903,384.86
564,379.551,895.242,484.31901,489.62
574,379.551,900.452,479.10899,589.17
584,379.551,905.682,473.87897,683.49
594,379.551,910.922,468.63895,772.57
604,379.551,916.182,463.37893,856.39
614,379.551,921.442,458.11891,934.95
624,379.551,926.732,452.82890,008.22
634,379.551,932.032,447.52888,076.19
644,379.551,937.342,442.21886,138.85
654,379.551,942.672,436.88884,196.18
664,379.551,948.012,431.54882,248.17
674,379.551,953.372,426.18880,294.80
684,379.551,958.742,420.81878,336.06
694,379.551,964.132,415.42876,371.93
704,379.551,969.532,410.02874,402.40
714,379.551,974.942,404.61872,427.46
724,379.551,980.372,399.18870,447.09
734,379.551,985.822,393.73868,461.27
744,379.551,991.282,388.27866,469.99
754,379.551,996.762,382.79864,473.23
764,379.552,002.252,377.30862,470.98
774,379.552,007.752,371.80860,463.23
784,379.552,013.282,366.27858,449.95
794,379.552,018.812,360.74856,431.14
804,379.552,024.362,355.19854,406.78
814,379.552,029.932,349.62852,376.85
824,379.552,035.512,344.04850,341.34
834,379.552,041.112,338.44848,300.23
844,379.552,046.722,332.83846,253.51
854,379.552,052.352,327.20844,201.16
864,379.552,058.002,321.55842,143.16
874,379.552,063.662,315.89840,079.50
884,379.552,069.332,310.22838,010.17
894,379.552,075.022,304.53835,935.15
904,379.552,080.732,298.82833,854.42
914,379.552,086.452,293.10831,767.97
924,379.552,092.192,287.36829,675.78
934,379.552,097.942,281.61827,577.84
944,379.552,103.712,275.84825,474.13
954,379.552,109.502,270.05823,364.63
964,379.552,115.302,264.25821,249.33
974,379.552,121.112,258.44819,128.22
984,379.552,126.952,252.60817,001.27
994,379.552,132.802,246.75814,868.47
1004,379.552,138.662,240.89812,729.81
1014,379.552,144.542,235.01810,585.27
1024,379.552,150.442,229.11808,434.83
1034,379.552,156.352,223.20806,278.48
1044,379.552,162.282,217.27804,116.20
1054,379.552,168.232,211.32801,947.97
1064,379.552,174.192,205.36799,773.78
1074,379.552,180.172,199.38797,593.61
1084,379.552,186.172,193.38795,407.44
1094,379.552,192.182,187.37793,215.26
1104,379.552,198.212,181.34791,017.05
1114,379.552,204.252,175.30788,812.80
1124,379.552,210.312,169.24786,602.49
1134,379.552,216.392,163.16784,386.10
1144,379.552,222.492,157.06782,163.61
1154,379.552,228.602,150.95779,935.01
1164,379.552,234.732,144.82777,700.28
1174,379.552,240.872,138.68775,459.41
1184,379.552,247.042,132.51773,212.37
1194,379.552,253.222,126.33770,959.15
1204,379.552,259.412,120.14768,699.74
1214,379.552,265.632,113.92766,434.11
1224,379.552,271.862,107.69764,162.25
1234,379.552,278.102,101.45761,884.15
1244,379.552,284.372,095.18759,599.78
1254,379.552,290.652,088.90757,309.13
1264,379.552,296.952,082.60755,012.18
1274,379.552,303.272,076.28752,708.91
1284,379.552,309.602,069.95750,399.31
1294,379.552,315.952,063.60748,083.36
1304,379.552,322.322,057.23745,761.04
1314,379.552,328.712,050.84743,432.33
1324,379.552,335.112,044.44741,097.22
1334,379.552,341.532,038.02738,755.69
1344,379.552,347.972,031.58736,407.72
1354,379.552,354.432,025.12734,053.29
1364,379.552,360.902,018.65731,692.39
1374,379.552,367.402,012.15729,324.99
1384,379.552,373.912,005.64726,951.08
1394,379.552,380.431,999.12724,570.65
1404,379.552,386.981,992.57722,183.67
1414,379.552,393.541,986.01719,790.13
1424,379.552,400.131,979.42717,390.00
1434,379.552,406.731,972.82714,983.27
1444,379.552,413.351,966.20712,569.92
1454,379.552,419.981,959.57710,149.94
1464,379.552,426.641,952.91707,723.30
1474,379.552,433.311,946.24705,289.99
1484,379.552,440.001,939.55702,849.99
1494,379.552,446.711,932.84700,403.28
1504,379.552,453.441,926.11697,949.84
1514,379.552,460.191,919.36695,489.65
1524,379.552,466.951,912.60693,022.70
1534,379.552,473.741,905.81690,548.96
1544,379.552,480.541,899.01688,068.42
1554,379.552,487.361,892.19685,581.06
1564,379.552,494.201,885.35683,086.86
1574,379.552,501.061,878.49680,585.80
1584,379.552,507.941,871.61678,077.86
1594,379.552,514.841,864.71675,563.02
1604,379.552,521.751,857.80673,041.27
1614,379.552,528.691,850.86670,512.58
1624,379.552,535.641,843.91667,976.94
1634,379.552,542.611,836.94665,434.33
1644,379.552,549.611,829.94662,884.72
1654,379.552,556.621,822.93660,328.10
1664,379.552,563.651,815.90657,764.45
1674,379.552,570.701,808.85655,193.75
1684,379.552,577.771,801.78652,615.98
1694,379.552,584.861,794.69650,031.12
1704,379.552,591.961,787.59647,439.16
1714,379.552,599.091,780.46644,840.07
1724,379.552,606.241,773.31642,233.83
1734,379.552,613.411,766.14639,620.42
1744,379.552,620.591,758.96636,999.83
1754,379.552,627.801,751.75634,372.03
1764,379.552,635.031,744.52631,737.00
1774,379.552,642.271,737.28629,094.73
1784,379.552,649.541,730.01626,445.19
1794,379.552,656.831,722.72623,788.36
1804,379.552,664.131,715.42621,124.23
1814,379.552,671.461,708.09618,452.77
1824,379.552,678.801,700.75615,773.97
1834,379.552,686.171,693.38613,087.80
1844,379.552,693.561,685.99610,394.24
1854,379.552,700.971,678.58607,693.27
1864,379.552,708.391,671.16604,984.88
1874,379.552,715.841,663.71602,269.04
1884,379.552,723.311,656.24599,545.73
1894,379.552,730.801,648.75596,814.93
1904,379.552,738.311,641.24594,076.62
1914,379.552,745.841,633.71591,330.78
1924,379.552,753.391,626.16588,577.39
1934,379.552,760.961,618.59585,816.43
1944,379.552,768.551,611.00583,047.88
1954,379.552,776.171,603.38580,271.71
1964,379.552,783.801,595.75577,487.91
1974,379.552,791.461,588.09574,696.45
1984,379.552,799.131,580.42571,897.32
1994,379.552,806.831,572.72569,090.49
2004,379.552,814.551,565.00566,275.94
2014,379.552,822.291,557.26563,453.65
2024,379.552,830.051,549.50560,623.60
2034,379.552,837.841,541.71557,785.76
2044,379.552,845.641,533.91554,940.12
2054,379.552,853.461,526.09552,086.66
2064,379.552,861.311,518.24549,225.35
2074,379.552,869.181,510.37546,356.17
2084,379.552,877.071,502.48543,479.10
2094,379.552,884.981,494.57540,594.12
2104,379.552,892.921,486.63537,701.20
2114,379.552,900.871,478.68534,800.33
2124,379.552,908.851,470.70531,891.48
2134,379.552,916.851,462.70528,974.63
2144,379.552,924.871,454.68526,049.76
2154,379.552,932.911,446.64523,116.85
2164,379.552,940.981,438.57520,175.87
2174,379.552,949.071,430.48517,226.80
2184,379.552,957.181,422.37514,269.62
2194,379.552,965.311,414.24511,304.31
2204,379.552,973.461,406.09508,330.85
2214,379.552,981.641,397.91505,349.21
2224,379.552,989.841,389.71502,359.37
2234,379.552,998.061,381.49499,361.31
2244,379.553,006.311,373.24496,355.00
2254,379.553,014.571,364.98493,340.43
2264,379.553,022.861,356.69490,317.57
2274,379.553,031.181,348.37487,286.39
2284,379.553,039.511,340.04484,246.88
2294,379.553,047.871,331.68481,199.01
2304,379.553,056.251,323.30478,142.76
2314,379.553,064.661,314.89475,078.10
2324,379.553,073.091,306.46472,005.01
2334,379.553,081.541,298.01468,923.47
2344,379.553,090.011,289.54465,833.46
2354,379.553,098.511,281.04462,734.95
2364,379.553,107.031,272.52459,627.92
2374,379.553,115.571,263.98456,512.35
2384,379.553,124.141,255.41453,388.21
2394,379.553,132.731,246.82450,255.48
2404,379.553,141.351,238.20447,114.13
2414,379.553,149.991,229.56443,964.14
2424,379.553,158.651,220.90440,805.49
2434,379.553,167.331,212.22437,638.16
2444,379.553,176.051,203.50434,462.11
2454,379.553,184.781,194.77431,277.33
2464,379.553,193.541,186.01428,083.79
2474,379.553,202.321,177.23424,881.47
2484,379.553,211.131,168.42421,670.34
2494,379.553,219.961,159.59418,450.38
2504,379.553,228.811,150.74415,221.57
2514,379.553,237.691,141.86411,983.88
2524,379.553,246.591,132.96408,737.29
2534,379.553,255.521,124.03405,481.77
2544,379.553,264.481,115.07402,217.29
2554,379.553,273.451,106.10398,943.84
2564,379.553,282.451,097.10395,661.39
2574,379.553,291.481,088.07392,369.91
2584,379.553,300.531,079.02389,069.38
2594,379.553,309.611,069.94385,759.77
2604,379.553,318.711,060.84382,441.06
2614,379.553,327.841,051.71379,113.22
2624,379.553,336.991,042.56375,776.23
2634,379.553,346.171,033.38372,430.06
2644,379.553,355.371,024.18369,074.69
2654,379.553,364.591,014.96365,710.10
2664,379.553,373.851,005.70362,336.25
2674,379.553,383.13996.42358,953.12
2684,379.553,392.43987.12355,560.69
2694,379.553,401.76977.79352,158.93
2704,379.553,411.11968.44348,747.82
2714,379.553,420.49959.06345,327.33
2724,379.553,429.90949.65341,897.43
2734,379.553,439.33940.22338,458.10
2744,379.553,448.79930.76335,009.31
2754,379.553,458.27921.28331,551.04
2764,379.553,467.78911.77328,083.26
2774,379.553,477.32902.23324,605.94
2784,379.553,486.88892.67321,119.06
2794,379.553,496.47883.08317,622.59
2804,379.553,506.09873.46314,116.50
2814,379.553,515.73863.82310,600.77
2824,379.553,525.40854.15307,075.37
2834,379.553,535.09844.46303,540.28
2844,379.553,544.81834.74299,995.47
2854,379.553,554.56824.99296,440.91
2864,379.553,564.34815.21292,876.57
2874,379.553,574.14805.41289,302.43
2884,379.553,583.97795.58285,718.46
2894,379.553,593.82785.73282,124.64
2904,379.553,603.71775.84278,520.93
2914,379.553,613.62765.93274,907.31
2924,379.553,623.55756.00271,283.76
2934,379.553,633.52746.03267,650.24
2944,379.553,643.51736.04264,006.73
2954,379.553,653.53726.02260,353.20
2964,379.553,663.58715.97256,689.62
2974,379.553,673.65705.90253,015.97
2984,379.553,683.76695.79249,332.21
2994,379.553,693.89685.66245,638.32
3004,379.553,704.04675.51241,934.28
3014,379.553,714.23665.32238,220.05
3024,379.553,724.44655.11234,495.61
3034,379.553,734.69644.86230,760.92
3044,379.553,744.96634.59227,015.96
3054,379.553,755.26624.29223,260.70
3064,379.553,765.58613.97219,495.12
3074,379.553,775.94603.61215,719.18
3084,379.553,786.32593.23211,932.86
3094,379.553,796.73582.82208,136.13
3104,379.553,807.18572.37204,328.95
3114,379.553,817.65561.90200,511.30
3124,379.553,828.14551.41196,683.16
3134,379.553,838.67540.88192,844.49
3144,379.553,849.23530.32188,995.26
3154,379.553,859.81519.74185,135.45
3164,379.553,870.43509.12181,265.02
3174,379.553,881.07498.48177,383.95
3184,379.553,891.74487.81173,492.21
3194,379.553,902.45477.10169,589.76
3204,379.553,913.18466.37165,676.58
3214,379.553,923.94455.61161,752.64
3224,379.553,934.73444.82157,817.91
3234,379.553,945.55434.00153,872.36
3244,379.553,956.40423.15149,915.96
3254,379.553,967.28412.27145,948.68
3264,379.553,978.19401.36141,970.49
3274,379.553,989.13390.42137,981.36
3284,379.554,000.10379.45133,981.26
3294,379.554,011.10368.45129,970.16
3304,379.554,022.13357.42125,948.03
3314,379.554,033.19346.36121,914.84
3324,379.554,044.28335.27117,870.56
3334,379.554,055.41324.14113,815.15
3344,379.554,066.56312.99109,748.59
3354,379.554,077.74301.81105,670.85
3364,379.554,088.96290.59101,581.89
3374,379.554,100.20279.3597,481.69
3384,379.554,111.48268.0793,370.21
3394,379.554,122.78256.7789,247.43
3404,379.554,134.12245.4385,113.31
3414,379.554,145.49234.0680,967.82
3424,379.554,156.89222.6676,810.93
3434,379.554,168.32211.2372,642.61
3444,379.554,179.78199.7768,462.83
3454,379.554,191.28188.2764,271.55
3464,379.554,202.80176.7560,068.75
3474,379.554,214.36165.1955,854.39
3484,379.554,225.95153.6051,628.44
3494,379.554,237.57141.9847,390.87
3504,379.554,249.23130.3243,141.64
3514,379.554,260.91118.6438,880.73
3524,379.554,272.63106.9234,608.10
3534,379.554,284.3895.1730,323.72
3544,379.554,296.1683.3926,027.56
3554,379.554,307.9771.5821,719.59
3564,379.554,319.8259.7317,399.77
3574,379.554,331.7047.8513,068.07
3584,379.554,343.6135.948,724.46
3594,379.554,355.5623.994,368.90
3604,380.914,368.9012.010.00
明算 · · 房贷等额本息计算器

当地说明

总价高时,公积金只能覆盖一部分,其余用商业贷款。建议用组合贷款计算器把两笔月供加总。

月供使用本页商业贷款参考利率和首套首付。二套可以取消“是否首套”,或直接改成银行报价。

常见问题

深圳首套和二套首付比例参考是多少?

站内快照(2026-09-22)首套约 20%,二套约 30%。参考口径包含户籍、社保年限和家庭住房套数,过户前向深圳住建部门确认是否仍有限购或差别化信贷。

深圳公积金最高额度参考是多少?

本页单人上限按 110 万元、家庭上限按 190 万元试算,实际还要同时满足余额倍数和月供能力。总价高时,公积金只能覆盖一部分,其余用商业贷款。建议用组合贷款计算器把两笔月供加总。

深圳房贷和公积金利率参考怎么填?

商业贷款首套参考 3.3%、二套参考 3.7%;公积金首套参考 2.6%、二套参考 3.075%。全国 5 年期以上 LPR 见站内利率快照,加点以贷款银行为准。

深圳为什么不能直接按最高额度贷款?

最高额度只是上限。余额倍数、月供收入比、房屋总价成数都可能把实际额度压低。可贷额度计算器会把这几项同时列出来。

相关城市

额度、首付和利率供对照,不构成贷款建议。阅读免责声明