公积金贷款计算器 2025

免费计算公积金贷款额度和月供，支持等额本息和等额本金两种还款方式，利率低至2.85%，帮您节省更多利息。

公积金贷款额度测算

月缴存额（个人+单位）3000 元

公积金账户余额5.0 万元

房屋套数

当地最高贷款额度120 万元

房屋总价200 万元

可贷款额度（约）

75.00 万元

余额倍数法

75.0 万

收入还款法

151.1 万

房价比例法

160.0 万

最高限额

120 万

* 取上述四种计算方式的最低值，仅供参考，以当地公积金中心审批为准

月供计算（公积金利率 2.85%）

贷款金额80 万元

万元

贷款年限30 年（360 期）

还款方式

计算结果

每月还款

¥3,308.46

还款总额

¥1,191,045.27

支付利息

¥391,045.27

相比商贷（4.15%），公积金贷款可节省利息约 ¥218,400.00（估算，仅供参考）

还款明细

期数	月供 (元)	本金 (元)	利息 (元)	剩余本金 (元)
1	3,308.46	1,408.46	1,900.00	798,591.54
2	3,308.46	1,411.80	1,896.65	797,179.74
3	3,308.46	1,415.16	1,893.30	795,764.58
4	3,308.46	1,418.52	1,889.94	794,346.06
5	3,308.46	1,421.89	1,886.57	792,924.17
6	3,308.46	1,425.26	1,883.19	791,498.91
7	3,308.46	1,428.65	1,879.81	790,070.26
8	3,308.46	1,432.04	1,876.42	788,638.22
9	3,308.46	1,435.44	1,873.02	787,202.78
10	3,308.46	1,438.85	1,869.61	785,763.92
11	3,308.46	1,442.27	1,866.19	784,321.65
12	3,308.46	1,445.70	1,862.76	782,875.96
13	3,308.46	1,449.13	1,859.33	781,426.83
14	3,308.46	1,452.57	1,855.89	779,974.26
15	3,308.46	1,456.02	1,852.44	778,518.24
16	3,308.46	1,459.48	1,848.98	777,058.76
17	3,308.46	1,462.94	1,845.51	775,595.82
18	3,308.46	1,466.42	1,842.04	774,129.40
19	3,308.46	1,469.90	1,838.56	772,659.50
20	3,308.46	1,473.39	1,835.07	771,186.10
21	3,308.46	1,476.89	1,831.57	769,709.21
22	3,308.46	1,480.40	1,828.06	768,228.81
23	3,308.46	1,483.92	1,824.54	766,744.89
24	3,308.46	1,487.44	1,821.02	765,257.45
25	3,308.46	1,490.97	1,817.49	763,766.48
26	3,308.46	1,494.51	1,813.95	762,271.97
27	3,308.46	1,498.06	1,810.40	760,773.91
28	3,308.46	1,501.62	1,806.84	759,272.28
29	3,308.46	1,505.19	1,803.27	757,767.10
30	3,308.46	1,508.76	1,799.70	756,258.33
31	3,308.46	1,512.35	1,796.11	754,745.99
32	3,308.46	1,515.94	1,792.52	753,230.05
33	3,308.46	1,519.54	1,788.92	751,710.51
34	3,308.46	1,523.15	1,785.31	750,187.37
35	3,308.46	1,526.76	1,781.69	748,660.60
36	3,308.46	1,530.39	1,778.07	747,130.21
37	3,308.46	1,534.02	1,774.43	745,596.19
38	3,308.46	1,537.67	1,770.79	744,058.52
39	3,308.46	1,541.32	1,767.14	742,517.20
40	3,308.46	1,544.98	1,763.48	740,972.22
41	3,308.46	1,548.65	1,759.81	739,423.57
42	3,308.46	1,552.33	1,756.13	737,871.24
43	3,308.46	1,556.01	1,752.44	736,315.23
44	3,308.46	1,559.71	1,748.75	734,755.52
45	3,308.46	1,563.41	1,745.04	733,192.10
46	3,308.46	1,567.13	1,741.33	731,624.97
47	3,308.46	1,570.85	1,737.61	730,054.12
48	3,308.46	1,574.58	1,733.88	728,479.54
49	3,308.46	1,578.32	1,730.14	726,901.22
50	3,308.46	1,582.07	1,726.39	725,319.15
51	3,308.46	1,585.83	1,722.63	723,733.33
52	3,308.46	1,589.59	1,718.87	722,143.74
53	3,308.46	1,593.37	1,715.09	720,550.37
54	3,308.46	1,597.15	1,711.31	718,953.22
55	3,308.46	1,600.95	1,707.51	717,352.27
56	3,308.46	1,604.75	1,703.71	715,747.52
57	3,308.46	1,608.56	1,699.90	714,138.97
58	3,308.46	1,612.38	1,696.08	712,526.59
59	3,308.46	1,616.21	1,692.25	710,910.38
60	3,308.46	1,620.05	1,688.41	709,290.33
61	3,308.46	1,623.89	1,684.56	707,666.44
62	3,308.46	1,627.75	1,680.71	706,038.68
63	3,308.46	1,631.62	1,676.84	704,407.07
64	3,308.46	1,635.49	1,672.97	702,771.58
65	3,308.46	1,639.38	1,669.08	701,132.20
66	3,308.46	1,643.27	1,665.19	699,488.93
67	3,308.46	1,647.17	1,661.29	697,841.76
68	3,308.46	1,651.08	1,657.37	696,190.67
69	3,308.46	1,655.01	1,653.45	694,535.66
70	3,308.46	1,658.94	1,649.52	692,876.73
71	3,308.46	1,662.88	1,645.58	691,213.85
72	3,308.46	1,666.83	1,641.63	689,547.02
73	3,308.46	1,670.78	1,637.67	687,876.24
74	3,308.46	1,674.75	1,633.71	686,201.49
75	3,308.46	1,678.73	1,629.73	684,522.76
76	3,308.46	1,682.72	1,625.74	682,840.04
77	3,308.46	1,686.71	1,621.75	681,153.32
78	3,308.46	1,690.72	1,617.74	679,462.60
79	3,308.46	1,694.74	1,613.72	677,767.87
80	3,308.46	1,698.76	1,609.70	676,069.11
81	3,308.46	1,702.79	1,605.66	674,366.31
82	3,308.46	1,706.84	1,601.62	672,659.48
83	3,308.46	1,710.89	1,597.57	670,948.58
84	3,308.46	1,714.96	1,593.50	669,233.63
85	3,308.46	1,719.03	1,589.43	667,514.60
86	3,308.46	1,723.11	1,585.35	665,791.48
87	3,308.46	1,727.20	1,581.25	664,064.28
88	3,308.46	1,731.31	1,577.15	662,332.97
89	3,308.46	1,735.42	1,573.04	660,597.56
90	3,308.46	1,739.54	1,568.92	658,858.02
91	3,308.46	1,743.67	1,564.79	657,114.34
92	3,308.46	1,747.81	1,560.65	655,366.53
93	3,308.46	1,751.96	1,556.50	653,614.57
94	3,308.46	1,756.12	1,552.33	651,858.44
95	3,308.46	1,760.30	1,548.16	650,098.15
96	3,308.46	1,764.48	1,543.98	648,333.67
97	3,308.46	1,768.67	1,539.79	646,565.01
98	3,308.46	1,772.87	1,535.59	644,792.14
99	3,308.46	1,777.08	1,531.38	643,015.06
100	3,308.46	1,781.30	1,527.16	641,233.76
101	3,308.46	1,785.53	1,522.93	639,448.23
102	3,308.46	1,789.77	1,518.69	637,658.46
103	3,308.46	1,794.02	1,514.44	635,864.44
104	3,308.46	1,798.28	1,510.18	634,066.16
105	3,308.46	1,802.55	1,505.91	632,263.61
106	3,308.46	1,806.83	1,501.63	630,456.78
107	3,308.46	1,811.12	1,497.33	628,645.65
108	3,308.46	1,815.43	1,493.03	626,830.23
109	3,308.46	1,819.74	1,488.72	625,010.49
110	3,308.46	1,824.06	1,484.40	623,186.43
111	3,308.46	1,828.39	1,480.07	621,358.04
112	3,308.46	1,832.73	1,475.73	619,525.31
113	3,308.46	1,837.09	1,471.37	617,688.22
114	3,308.46	1,841.45	1,467.01	615,846.77
115	3,308.46	1,845.82	1,462.64	614,000.95
116	3,308.46	1,850.21	1,458.25	612,150.74
117	3,308.46	1,854.60	1,453.86	610,296.14
118	3,308.46	1,859.01	1,449.45	608,437.13
119	3,308.46	1,863.42	1,445.04	606,573.71
120	3,308.46	1,867.85	1,440.61	604,705.87

共 360 期，仅展示前 120 期

公积金贷款说明

公积金贷款条件

连续缴存住房公积金满 6-12 个月（各城市要求不同）
具有完全民事行为能力，有稳定的经济收入
信用良好，有偿还贷款本息的能力
具有购买、建造、翻建、大修自住住房的合同或相关证明
已按规定支付购房首付款

贷款额度计算方式

公积金贷款额度通常受以下四个因素限制，取最低值：

账户余额倍数：通常为账户余额的 10-20 倍
收入还款能力：月还款额不超过月收入的 50%
最高额度限制：各城市不同，通常 60-120 万元
房价比例：不超过购房款的 70%-80%

2025年公积金贷款利率

首套房：5年以下（含5年）2.35%，5年以上 2.85%
二套房：5年以下（含5年）2.775%，5年以上 3.325%

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