武汉房贷计算器

武汉首套和二套的首付、利率差,会直接改变月供和总利息。建议同一总价下把两套参数都算一遍再谈预算。

更新于

武汉参考政策

更新于 。请以当地最新规定为准。

首套首付
15%
二套首付
20%
公积金单人上限
60 万元
公积金家庭上限
100 万元
商业贷款利率
3.45% / 3.8%
公积金利率
2.6% / 3.075%
全国 5 年期 LPR
3.5%
1 年期 LPR
3%

参考口径以武汉市住房套数认定和限购文件为准,政策调整后要重算首付,不要沿用旧比例。

当前城市:武汉。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 3.45%、贷款年限 30年,月供 4,462.58 元,总利息 606,530.75 元,总还款 1,606,530.75 元。对照 2026-09-22 的站内参考快照,仅供参考。

月供

总利息606,530.75 元
总还款1,606,530.75 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。

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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
14,462.581,587.582,875.00998,412.42
24,462.581,592.142,870.44996,820.28
34,462.581,596.722,865.86995,223.56
44,462.581,601.312,861.27993,622.25
54,462.581,605.922,856.66992,016.33
64,462.581,610.532,852.05990,405.80
74,462.581,615.162,847.42988,790.64
84,462.581,619.812,842.77987,170.83
94,462.581,624.462,838.12985,546.37
104,462.581,629.132,833.45983,917.24
114,462.581,633.822,828.76982,283.42
124,462.581,638.522,824.06980,644.90
134,462.581,643.232,819.35979,001.67
144,462.581,647.952,814.63977,353.72
154,462.581,652.692,809.89975,701.03
164,462.581,657.442,805.14974,043.59
174,462.581,662.202,800.38972,381.39
184,462.581,666.982,795.60970,714.41
194,462.581,671.782,790.80969,042.63
204,462.581,676.582,786.00967,366.05
214,462.581,681.402,781.18965,684.65
224,462.581,686.242,776.34963,998.41
234,462.581,691.082,771.50962,307.33
244,462.581,695.952,766.63960,611.38
254,462.581,700.822,761.76958,910.56
264,462.581,705.712,756.87957,204.85
274,462.581,710.622,751.96955,494.23
284,462.581,715.532,747.05953,778.70
294,462.581,720.472,742.11952,058.23
304,462.581,725.412,737.17950,332.82
314,462.581,730.372,732.21948,602.45
324,462.581,735.352,727.23946,867.10
334,462.581,740.342,722.24945,126.76
344,462.581,745.342,717.24943,381.42
354,462.581,750.362,712.22941,631.06
364,462.581,755.392,707.19939,875.67
374,462.581,760.442,702.14938,115.23
384,462.581,765.502,697.08936,349.73
394,462.581,770.572,692.01934,579.16
404,462.581,775.662,686.92932,803.50
414,462.581,780.772,681.81931,022.73
424,462.581,785.892,676.69929,236.84
434,462.581,791.022,671.56927,445.82
444,462.581,796.172,666.41925,649.65
454,462.581,801.342,661.24923,848.31
464,462.581,806.522,656.06922,041.79
474,462.581,811.712,650.87920,230.08
484,462.581,816.922,645.66918,413.16
494,462.581,822.142,640.44916,591.02
504,462.581,827.382,635.20914,763.64
514,462.581,832.632,629.95912,931.01
524,462.581,837.902,624.68911,093.11
534,462.581,843.192,619.39909,249.92
544,462.581,848.492,614.09907,401.43
554,462.581,853.802,608.78905,547.63
564,462.581,859.132,603.45903,688.50
574,462.581,864.482,598.10901,824.02
584,462.581,869.842,592.74899,954.18
594,462.581,875.212,587.37898,078.97
604,462.581,880.602,581.98896,198.37
614,462.581,886.012,576.57894,312.36
624,462.581,891.432,571.15892,420.93
634,462.581,896.872,565.71890,524.06
644,462.581,902.322,560.26888,621.74
654,462.581,907.792,554.79886,713.95
664,462.581,913.282,549.30884,800.67
674,462.581,918.782,543.80882,881.89
684,462.581,924.292,538.29880,957.60
694,462.581,929.832,532.75879,027.77
704,462.581,935.382,527.20877,092.39
714,462.581,940.942,521.64875,151.45
724,462.581,946.522,516.06873,204.93
734,462.581,952.122,510.46871,252.81
744,462.581,957.732,504.85869,295.08
754,462.581,963.362,499.22867,331.72
764,462.581,969.002,493.58865,362.72
774,462.581,974.662,487.92863,388.06
784,462.581,980.342,482.24861,407.72
794,462.581,986.032,476.55859,421.69
804,462.581,991.742,470.84857,429.95
814,462.581,997.472,465.11855,432.48
824,462.582,003.212,459.37853,429.27
834,462.582,008.972,453.61851,420.30
844,462.582,014.752,447.83849,405.55
854,462.582,020.542,442.04847,385.01
864,462.582,026.352,436.23845,358.66
874,462.582,032.172,430.41843,326.49
884,462.582,038.022,424.56841,288.47
894,462.582,043.882,418.70839,244.59
904,462.582,049.752,412.83837,194.84
914,462.582,055.642,406.94835,139.20
924,462.582,061.552,401.03833,077.65
934,462.582,067.482,395.10831,010.17
944,462.582,073.432,389.15828,936.74
954,462.582,079.392,383.19826,857.35
964,462.582,085.372,377.21824,771.98
974,462.582,091.362,371.22822,680.62
984,462.582,097.372,365.21820,583.25
994,462.582,103.402,359.18818,479.85
1004,462.582,109.452,353.13816,370.40
1014,462.582,115.522,347.06814,254.88
1024,462.582,121.602,340.98812,133.28
1034,462.582,127.702,334.88810,005.58
1044,462.582,133.812,328.77807,871.77
1054,462.582,139.952,322.63805,731.82
1064,462.582,146.102,316.48803,585.72
1074,462.582,152.272,310.31801,433.45
1084,462.582,158.462,304.12799,274.99
1094,462.582,164.662,297.92797,110.33
1104,462.582,170.892,291.69794,939.44
1114,462.582,177.132,285.45792,762.31
1124,462.582,183.392,279.19790,578.92
1134,462.582,189.672,272.91788,389.25
1144,462.582,195.962,266.62786,193.29
1154,462.582,202.272,260.31783,991.02
1164,462.582,208.612,253.97781,782.41
1174,462.582,214.962,247.62779,567.45
1184,462.582,221.322,241.26777,346.13
1194,462.582,227.712,234.87775,118.42
1204,462.582,234.112,228.47772,884.31
1214,462.582,240.542,222.04770,643.77
1224,462.582,246.982,215.60768,396.79
1234,462.582,253.442,209.14766,143.35
1244,462.582,259.922,202.66763,883.43
1254,462.582,266.422,196.16761,617.01
1264,462.582,272.932,189.65759,344.08
1274,462.582,279.472,183.11757,064.61
1284,462.582,286.022,176.56754,778.59
1294,462.582,292.592,169.99752,486.00
1304,462.582,299.182,163.40750,186.82
1314,462.582,305.792,156.79747,881.03
1324,462.582,312.422,150.16745,568.61
1334,462.582,319.072,143.51743,249.54
1344,462.582,325.742,136.84740,923.80
1354,462.582,332.422,130.16738,591.38
1364,462.582,339.132,123.45736,252.25
1374,462.582,345.852,116.73733,906.40
1384,462.582,352.602,109.98731,553.80
1394,462.582,359.362,103.22729,194.44
1404,462.582,366.152,096.43726,828.29
1414,462.582,372.952,089.63724,455.34
1424,462.582,379.772,082.81722,075.57
1434,462.582,386.612,075.97719,688.96
1444,462.582,393.472,069.11717,295.49
1454,462.582,400.362,062.22714,895.13
1464,462.582,407.262,055.32712,487.87
1474,462.582,414.182,048.40710,073.69
1484,462.582,421.122,041.46707,652.57
1494,462.582,428.082,034.50705,224.49
1504,462.582,435.062,027.52702,789.43
1514,462.582,442.062,020.52700,347.37
1524,462.582,449.082,013.50697,898.29
1534,462.582,456.122,006.46695,442.17
1544,462.582,463.181,999.40692,978.99
1554,462.582,470.271,992.31690,508.72
1564,462.582,477.371,985.21688,031.35
1574,462.582,484.491,978.09685,546.86
1584,462.582,491.631,970.95683,055.23
1594,462.582,498.801,963.78680,556.43
1604,462.582,505.981,956.60678,050.45
1614,462.582,513.181,949.40675,537.27
1624,462.582,520.411,942.17673,016.86
1634,462.582,527.661,934.92670,489.20
1644,462.582,534.921,927.66667,954.28
1654,462.582,542.211,920.37665,412.07
1664,462.582,549.521,913.06662,862.55
1674,462.582,556.851,905.73660,305.70
1684,462.582,564.201,898.38657,741.50
1694,462.582,571.571,891.01655,169.93
1704,462.582,578.971,883.61652,590.96
1714,462.582,586.381,876.20650,004.58
1724,462.582,593.821,868.76647,410.76
1734,462.582,601.271,861.31644,809.49
1744,462.582,608.751,853.83642,200.74
1754,462.582,616.251,846.33639,584.49
1764,462.582,623.771,838.81636,960.72
1774,462.582,631.321,831.26634,329.40
1784,462.582,638.881,823.70631,690.52
1794,462.582,646.471,816.11629,044.05
1804,462.582,654.081,808.50626,389.97
1814,462.582,661.711,800.87623,728.26
1824,462.582,669.361,793.22621,058.90
1834,462.582,677.041,785.54618,381.86
1844,462.582,684.731,777.85615,697.13
1854,462.582,692.451,770.13613,004.68
1864,462.582,700.191,762.39610,304.49
1874,462.582,707.951,754.63607,596.54
1884,462.582,715.741,746.84604,880.80
1894,462.582,723.551,739.03602,157.25
1904,462.582,731.381,731.20599,425.87
1914,462.582,739.231,723.35596,686.64
1924,462.582,747.111,715.47593,939.53
1934,462.582,755.001,707.58591,184.53
1944,462.582,762.921,699.66588,421.61
1954,462.582,770.871,691.71585,650.74
1964,462.582,778.831,683.75582,871.91
1974,462.582,786.821,675.76580,085.09
1984,462.582,794.841,667.74577,290.25
1994,462.582,802.871,659.71574,487.38
2004,462.582,810.931,651.65571,676.45
2014,462.582,819.011,643.57568,857.44
2024,462.582,827.111,635.47566,030.33
2034,462.582,835.241,627.34563,195.09
2044,462.582,843.391,619.19560,351.70
2054,462.582,851.571,611.01557,500.13
2064,462.582,859.771,602.81554,640.36
2074,462.582,867.991,594.59551,772.37
2084,462.582,876.231,586.35548,896.14
2094,462.582,884.501,578.08546,011.64
2104,462.582,892.801,569.78543,118.84
2114,462.582,901.111,561.47540,217.73
2124,462.582,909.451,553.13537,308.28
2134,462.582,917.821,544.76534,390.46
2144,462.582,926.211,536.37531,464.25
2154,462.582,934.621,527.96528,529.63
2164,462.582,943.061,519.52525,586.57
2174,462.582,951.521,511.06522,635.05
2184,462.582,960.001,502.58519,675.05
2194,462.582,968.511,494.07516,706.54
2204,462.582,977.051,485.53513,729.49
2214,462.582,985.611,476.97510,743.88
2224,462.582,994.191,468.39507,749.69
2234,462.583,002.801,459.78504,746.89
2244,462.583,011.431,451.15501,735.46
2254,462.583,020.091,442.49498,715.37
2264,462.583,028.771,433.81495,686.60
2274,462.583,037.481,425.10492,649.12
2284,462.583,046.211,416.37489,602.91
2294,462.583,054.971,407.61486,547.94
2304,462.583,063.751,398.83483,484.19
2314,462.583,072.561,390.02480,411.63
2324,462.583,081.401,381.18477,330.23
2334,462.583,090.261,372.32474,239.97
2344,462.583,099.141,363.44471,140.83
2354,462.583,108.051,354.53468,032.78
2364,462.583,116.991,345.59464,915.79
2374,462.583,125.951,336.63461,789.84
2384,462.583,134.931,327.65458,654.91
2394,462.583,143.951,318.63455,510.96
2404,462.583,152.991,309.59452,357.97
2414,462.583,162.051,300.53449,195.92
2424,462.583,171.141,291.44446,024.78
2434,462.583,180.261,282.32442,844.52
2444,462.583,189.401,273.18439,655.12
2454,462.583,198.571,264.01436,456.55
2464,462.583,207.771,254.81433,248.78
2474,462.583,216.991,245.59430,031.79
2484,462.583,226.241,236.34426,805.55
2494,462.583,235.511,227.07423,570.04
2504,462.583,244.821,217.76420,325.22
2514,462.583,254.141,208.44417,071.08
2524,462.583,263.501,199.08413,807.58
2534,462.583,272.881,189.70410,534.70
2544,462.583,282.291,180.29407,252.41
2554,462.583,291.731,170.85403,960.68
2564,462.583,301.191,161.39400,659.49
2574,462.583,310.681,151.90397,348.81
2584,462.583,320.201,142.38394,028.61
2594,462.583,329.751,132.83390,698.86
2604,462.583,339.321,123.26387,359.54
2614,462.583,348.921,113.66384,010.62
2624,462.583,358.551,104.03380,652.07
2634,462.583,368.211,094.37377,283.86
2644,462.583,377.891,084.69373,905.97
2654,462.583,387.601,074.98370,518.37
2664,462.583,397.341,065.24367,121.03
2674,462.583,407.111,055.47363,713.92
2684,462.583,416.901,045.68360,297.02
2694,462.583,426.731,035.85356,870.29
2704,462.583,436.581,026.00353,433.71
2714,462.583,446.461,016.12349,987.25
2724,462.583,456.371,006.21346,530.88
2734,462.583,466.30996.28343,064.58
2744,462.583,476.27986.31339,588.31
2754,462.583,486.26976.32336,102.05
2764,462.583,496.29966.29332,605.76
2774,462.583,506.34956.24329,099.42
2784,462.583,516.42946.16325,583.00
2794,462.583,526.53936.05322,056.47
2804,462.583,536.67925.91318,519.80
2814,462.583,546.84915.74314,972.96
2824,462.583,557.03905.55311,415.93
2834,462.583,567.26895.32307,848.67
2844,462.583,577.52885.06304,271.15
2854,462.583,587.80874.78300,683.35
2864,462.583,598.12864.46297,085.23
2874,462.583,608.46854.12293,476.77
2884,462.583,618.83843.75289,857.94
2894,462.583,629.24833.34286,228.70
2904,462.583,639.67822.91282,589.03
2914,462.583,650.14812.44278,938.89
2924,462.583,660.63801.95275,278.26
2934,462.583,671.16791.42271,607.10
2944,462.583,681.71780.87267,925.39
2954,462.583,692.29770.29264,233.10
2964,462.583,702.91759.67260,530.19
2974,462.583,713.56749.02256,816.63
2984,462.583,724.23738.35253,092.40
2994,462.583,734.94727.64249,357.46
3004,462.583,745.68716.90245,611.78
3014,462.583,756.45706.13241,855.33
3024,462.583,767.25695.33238,088.08
3034,462.583,778.08684.50234,310.00
3044,462.583,788.94673.64230,521.06
3054,462.583,799.83662.75226,721.23
3064,462.583,810.76651.82222,910.47
3074,462.583,821.71640.87219,088.76
3084,462.583,832.70629.88215,256.06
3094,462.583,843.72618.86211,412.34
3104,462.583,854.77607.81207,557.57
3114,462.583,865.85596.73203,691.72
3124,462.583,876.97585.61199,814.75
3134,462.583,888.11574.47195,926.64
3144,462.583,899.29563.29192,027.35
3154,462.583,910.50552.08188,116.85
3164,462.583,921.74540.84184,195.11
3174,462.583,933.02529.56180,262.09
3184,462.583,944.33518.25176,317.76
3194,462.583,955.67506.91172,362.09
3204,462.583,967.04495.54168,395.05
3214,462.583,978.44484.14164,416.61
3224,462.583,989.88472.70160,426.73
3234,462.584,001.35461.23156,425.38
3244,462.584,012.86449.72152,412.52
3254,462.584,024.39438.19148,388.13
3264,462.584,035.96426.62144,352.17
3274,462.584,047.57415.01140,304.60
3284,462.584,059.20403.38136,245.40
3294,462.584,070.87391.71132,174.53
3304,462.584,082.58380.00128,091.95
3314,462.584,094.32368.26123,997.63
3324,462.584,106.09356.49119,891.54
3334,462.584,117.89344.69115,773.65
3344,462.584,129.73332.85111,643.92
3354,462.584,141.60320.98107,502.32
3364,462.584,153.51309.07103,348.81
3374,462.584,165.45297.1399,183.36
3384,462.584,177.43285.1595,005.93
3394,462.584,189.44273.1490,816.49
3404,462.584,201.48261.1086,615.01
3414,462.584,213.56249.0282,401.45
3424,462.584,225.68236.9078,175.77
3434,462.584,237.82224.7673,937.95
3444,462.584,250.01212.5769,687.94
3454,462.584,262.23200.3565,425.71
3464,462.584,274.48188.1061,151.23
3474,462.584,286.77175.8156,864.46
3484,462.584,299.09163.4952,565.37
3494,462.584,311.45151.1348,253.92
3504,462.584,323.85138.7343,930.07
3514,462.584,336.28126.3039,593.79
3524,462.584,348.75113.8335,245.04
3534,462.584,361.25101.3330,883.79
3544,462.584,373.7988.7926,510.00
3554,462.584,386.3676.2222,123.64
3564,462.584,398.9763.6117,724.67
3574,462.584,411.6250.9613,313.05
3584,462.584,424.3038.288,888.75
3594,462.584,437.0225.564,451.73
3604,464.534,451.7312.800.00
明算 · · 房贷等额本息计算器

当地说明

武汉公积金额度参考低于部分一线城市,总价较高时更可能需要商业贷款补足。

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

武汉首套和二套首付比例参考是多少?

站内快照(2026-09-22)首套约 15%,二套约 20%。参考口径以武汉市住房套数认定和限购文件为准,政策调整后要重算首付,不要沿用旧比例。

武汉公积金最高额度参考是多少?

本页单人上限按 60 万元、家庭上限按 100 万元试算,实际还要同时满足余额倍数和月供能力。武汉公积金额度参考低于部分一线城市,总价较高时更可能需要商业贷款补足。

武汉房贷和公积金利率参考怎么填?

商业贷款首套参考 3.45%、二套参考 3.8%;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。

武汉二套首付参考为什么比一些城市低?

本页二套按 20% 作参考快照,只用于试算。若当地已恢复更高比例,把首付比例改成银行要求的数字即可。

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