各大银行个人住房贷款(doc 30页)工商银行一手个人住房贷款☆ 业务简述一手个人住房贷款是指贷款人向借款人发放的，用于购买房地产开发企业依法建造、销（预）售住房的贷款。
☆ 适用对象一手个人住房贷款的借款人应是具有完全民事行为能力的自然人，年龄在18（含）--65周岁（含）之间，并且借款人具有良好的信用记录和还款意愿。
☆ 特色优势1. 贷款期限长--最长期限可达30年。
2. 贷款额度高--最高贷款金额可达到所购住房市场价值的80%。
3. 融资成本低--贷款办理过程中银行不收取费用。
4. 还款方式灵活--为您同时提供等额本息、等额本金、按周还本付息、递增还款法、递减还款法、随心还还款法、入住还还款法等多种还款方式以及自主确定还款日、宽限期等还款特色服务，借款人可根据需求自由选择。
5. 贷款发放及时--在您提供有效阶段性担保的情况下，可在房产正式抵押登记前发放贷款。
6.贷后服务便捷--为您提供便捷的还款、贷款要素变更等服务。
☆ 申请条件申请我行一手个人住房贷款需要具备以下条件：1. 具有合法有效的身份证明（居民身份证、户口本或其他有效身份证明）及婚姻状况证明；2. 具有良好的信用记录和还款意愿；3. 具有稳定的收入来源和按时足额偿还贷款本息的能力；4. 具有所购住房的商品房销（预）售合同或意向书；5. 具有支付所购房屋首期购房款能力；6. 在我行开立个人结算账户；7. 有贷款人认可的有效担保；8. 我行规定的其他条件。
您如果计划申请一手个人住房贷款，需提前准备并提供以下资料：1. 借款人合法的身份证件；2. 借款人经济收入证明或职业证明；3. 借款人家庭户口登记簿；4. 有配偶的借款人需提供夫妻关系证明；5. 有共同借款人的，需提供借款人各方签订的明确共同还款责任的书面承诺；6. 借款人与房地产开发企业签订的《购买商品房合同意向书》或《商品房销（预）售合同》；（2）提前结清：在贷款到期日前，您如提前部分或全部结清贷款，须按借款合同约定，提前向我行提出申请，由我行审批后到指定会计柜台进行还款。
贷款结清后，您应持本人有效身份证件和经办行出具的贷款结清凭证领回由我行收押的法律凭证和有关证明文件，并持贷款结清凭证到原抵押登记部门办理抵押登记注销手续。
☆ 产品链接我行在传统的等额本息及等额本金两种还款方式以外，还根据您个人需求提供个性化的还款方式及还款服务。
特色还款方式包括：1. 按周还本付息以等额本息或等额本金还款法为基础，以7天或者7天的整倍数作为还本付息的周期，周期最短为7天，最长不超过21天（含）。
2. 递增还款法您可确定首个时间段内（一年为一段）每期还款额，在此基础上确定逐段增加的还款额（可等额增加或等比例增加），递增期间结束后根据贷款余额和剩余期限按等额本息还款法归还贷款的还款方式。
3. 递减还款法您可确定首个还款时间段内（一年为一段）每期还款额，在此基础上确定逐段减少的还款额（可等额减少或等比例减少），递减期间结束后再根据贷款余额和剩余期限按等额本息还款法归还贷款的还款方式。
4. 随心还还款法您可在合同约定的还款期内，以等额本息还款法计算的还款金额作为每期最低还款额，在此基础上可随意增加还款额，实现提前还款的还款方式。
5. 入住还还款法您可在购买产权房或购买与我行签订了按揭合作协议且开发商为贷款提供阶段性保证担保的期房时，可在所购房产入住之前，暂缓归还贷款本金，仅归还贷款利息的还款方式。
特色还款服务包括：1. 您可根据自身收入状况选择固定的每期还款日，合理安排个人资金收入与支出。
2. 在借款合同约定的还款期内，还款日期可在约定还款日基础上宽限10个自然日。
☆ 利率信息人民币贷款利率表☆ 常见问题1. 贷款额度和贷款期限如何确定？您每月的月供最好不超过您月收入的50%，您可以以此为原则，根据您的收入情况，确定您每月还款的金额。
据此，工行客户经理会结合您的年龄、您所购买的房价础上，为您提供多种贷款额度和贷款期限组合，您可以选择其中最合适您的贷款额度和期限。
2. 如何选择适合自己的还款方式？目前最普遍、最常用的还款方式是等额本息还款法和等额本金还款法。
等额本息还款法是指在利率水平不变的情况下，每月的还款本金和利息之和也不变，这种还款方式您比较省心，只要在每月还款日之前存入一定金额，银行便按固定金额扣款。
等额本金还款法是指在利率水平不变的情况下，每月还款本金固定，利息逐月递减，比较适合在还款初期还款能力较强的客户，如果您希望通过初期多还款以缓解未来还款压力的话，可以选择这种还款方式。
此外，如果您还有其他特殊的还款计划需求，我行还为您提供了按周还本付息、递增还款法、递减还款法、随心还还款法以及入住还还款法等五种特色还款方式，您可咨询当地工商银行，由客户经理根据您的实际需求推荐适合您的还款方式。
个人贷款理财计算器贷款金额：200000元贷款期限：10.0年贷款年利率：6.14还款方式：等额本息期数应还本金应还利息月还款额贷款余额020000011,211.161,023.332,234.50198,788.8421,217.361,017.142,234.50197,571.4831,223.591,010.912,234.50196,347.8941,229.851,004.652,234.50195,118.0451,236.14998.352,234.50193,881.9061,242.47992.032,234.50192,639.4371,248.82985.672,234.50191,390.6181,255.21979.282,234.50190,135.3991,261.64972.862,234.50188,873.76101,268.09966.402,234.50187,605.66111,274.58959.922,234.50186,331.08121,281.10953.392,234.50185,049.98 131,287.66946.842,234.50183,762.32 141,294.25940.252,234.50182,468.08 151,300.87933.632,234.50181,167.21 161,307.52926.972,234.50179,859.69 171,314.21920.282,234.50178,545.47 181,320.94913.562,234.50177,224.53 191,327.70906.802,234.50175,896.84 201,334.49900.012,234.50174,562.35 211,341.32893.182,234.50173,221.03 221,348.18886.312,234.50171,872.85 231,355.08879.422,234.50170,517.77 241,362.01872.482,234.50169,155.75 251,368.98865.512,234.50167,786.77 261,375.99858.512,234.50166,410.78 271,383.03851.472,234.50165,027.76281,390.10844.392,234.50163,637.65 291,397.22837.282,234.50162,240.44 301,404.37830.132,234.50160,836.07 311,411.55822.942,234.50159,424.52 321,418.77815.722,234.50158,005.74 331,426.03808.462,234.50156,579.71 341,433.33801.172,234.50155,146.38 351,440.66793.832,234.50153,705.72 361,448.04786.462,234.50152,257.68 371,455.44779.052,234.50150,802.24 381,462.89771.602,234.50149,339.35 391,470.38764.122,234.50147,868.97 401,477.90756.602,234.50146,391.07 411,485.46749.032,234.50144,905.61 421,493.06741.432,234.50143,412.55 431,500.70733.792,234.50141,911.84441,508.38726.122,234.50140,403.46 451,516.10718.402,234.50138,887.37 461,523.86710.642,234.50137,363.51 471,531.65702.842,234.50135,831.86 481,539.49695.012,234.50134,292.37 491,547.37687.132,234.50132,745.00 501,555.28679.212,234.50131,189.72 511,563.24671.252,234.50129,626.48 521,571.24663.262,234.50128,055.23 531,579.28655.222,234.50126,475.95 541,587.36647.142,234.50124,888.59 551,595.48639.012,234.50123,293.11 561,603.65630.852,234.50121,689.46 571,611.85622.642,234.50120,077.61 581,620.10614.402,234.50118,457.51 591,628.39606.112,234.50116,829.13601,636.72597.782,234.50115,192.41 611,645.09589.402,234.50113,547.31 621,653.51580.982,234.50111,893.80 631,661.97572.522,234.50110,231.83 641,670.48564.022,234.50108,561.35 651,679.02555.472,234.50106,882.33 661,687.61546.882,234.50105,194.71 671,696.25538.252,234.50103,498.46 681,704.93529.572,234.50101,793.53 691,713.65520.842,234.50100,079.88 701,722.42512.082,234.5098,357.46 711,731.23503.262,234.5096,626.23 721,740.09494.402,234.5094,886.13 731,749.00485.502,234.5093,137.14 741,757.94476.552,234.5091,379.19 751,766.94467.562,234.5089,612.25761,775.98458.522,234.5087,836.27 771,785.07449.432,234.5086,051.21 781,794.20440.302,234.5084,257.01 791,803.38431.122,234.5082,453.63 801,812.61421.892,234.5080,641.02 811,821.88412.612,234.5078,819.13 821,831.20403.292,234.5076,987.93 831,840.57393.922,234.5075,147.36 841,849.99384.502,234.5073,297.36 851,859.46375.042,234.5071,437.91 861,868.97365.522,234.5069,568.93 871,878.53355.962,234.5067,690.40 881,888.15346.352,234.5065,802.25 891,897.81336.692,234.5063,904.44 901,907.52326.982,234.5061,996.93 911,917.28317.222,234.5060,079.65921,927.09307.412,234.5058,152.56 931,936.95297.552,234.5056,215.61 941,946.86287.642,234.5054,268.75 951,956.82277.682,234.5052,311.93 961,966.83267.662,234.5050,345.10 971,976.90257.602,234.5048,368.20 981,987.01247.482,234.5046,381.19 991,997.18237.322,234.5044,384.01 1002,007.40227.102,234.5042,376.61 1012,017.67216.832,234.5040,358.94 1022,027.99206.502,234.5038,330.95 1032,038.37196.132,234.5036,292.58 1042,048.80185.702,234.5034,243.78 1052,059.28175.212,234.5032,184.50 1062,069.82164.682,234.5030,114.68 1072,080.41154.092,234.5028,034.271082,091.05143.442,234.5025,943.221092,101.75132.742,234.5023,841.46 1102,112.51121.992,234.5021,728.96 1112,123.32111.182,234.5019,605.64 1122,134.18100.322,234.5017,471.46 1132,145.1089.402,234.5015,326.36 1142,156.0878.422,234.5013,170.28 1152,167.1167.392,234.5011,003.17 1162,178.2056.302,234.508,824.98 1172,189.3445.152,234.506,635.64 1182,200.5433.952,234.504,435.091192,211.8022.692,234.502,223.29 1202,223.1211.382,234.500.00合计200,000.0068,139.69268,139.69个人贷款理财计算器贷款金额：200000元贷款期限：10.0年贷款年利率：6.14%还款方式：等额本金您的个人贷款试算结果当期还款实际天数还款日期应还本金应还利息月还款额贷款余额见下表，您累计需支付贷款利息62,775.67 元期数1 28 201103011,666.67 955.11 2,621.78 198,333.332 31 201104011,666.67 1,048.63 2,715.30 196,666.663 30 201105011,666.67 1,006.28 2,672.95 194,999.994 31 201106011,666.67 1,031.01 2,697.68 193,333.325 30 201107011,666.67 989.22 2,655.89 191,666.656 31 201108011,666.67 1,013.38 2,680.05 189,999.987 31 201109011,666.67 1,004.57 2,671.24 188,333.318 30 201110011,666.67 963.64 2,630.31 186,666.649 31 201111011,666.67 986.95 2,653.62 184,999.9710 30 201112011,666.67 946.58 2,613.25 183,333.3011 31 201201011,666.67 969.32 2,635.99 181,666.6312 31 201202011,666.67 960.51 2,627.18 179,999.9613 29 201203011,666.67 890.30 2,556.97 178,333.2914 31 201204011,666.67 942.89 2,609.56 176,666.6215 30 2012 1,666.67 903.94 2,570.61 174,999.9516 31 201206011,666.67 925.26 2,591.93 173,333.2817 30 201207011,666.67 886.89 2,553.56 171,666.6118 31 201208011,666.67 907.64 2,574.31 169,999.9419 31 201209011,666.67 898.83 2,565.50 168,333.2720 30 201210011,666.67 861.31 2,527.98 166,666.6021 31 201211011,666.67 881.20 2,547.87 164,999.9322 30 201212011,666.67 844.25 2,510.92 163,333.2623 31 201301011,666.67 863.58 2,530.25 161,666.5924 31 201302011,666.67 854.77 2,521.44 159,999.9225 28 201303011,666.67 764.09 2,430.76 158,333.2526 31 201304011,666.67 837.14 2,503.81 156,666.5827 30 201305011,666.67 801.61 2,468.28 154,999.9128 31 201306011,666.67 819.52 2,486.19 153,333.2429 30 201307011,666.67 784.56 2,451.23 151,666.5730 31 201308011,666.67 801.89 2,468.56 149,999.9031 31 201309011,666.67 793.08 2,459.75 148,333.2332 30 201310011,666.67 758.97 2,425.64 146,666.5633 31 201311011,666.67 775.46 2,442.13 144,999.8934 3012011,666.67 741.92 2,408.59 143,333.2235 31 201401011,666.67 757.83 2,424.50 141,666.5536 31 201402011,666.67 749.02 2,415.69 139,999.8837 28 201403011,666.67 668.58 2,335.25 138,333.2138 31 201404011,666.67 731.40 2,398.07 136,666.5439 30 201405011,666.67 699.28 2,365.95 134,999.8740 31 201406011,666.67 713.77 2,380.44 133,333.2041 30 201407011,666.67 682.22 2,348.89 131,666.5342 31 201408011,666.67 696.15 2,362.82 129,999.8643 31 201409011,666.67 687.34 2,354.01 128,333.1944 30 201410011,666.67 656.64 2,323.31 126,666.5245 31 201411011,666.67 669.71 2,336.38 124,999.8546 30 201412011,666.67 639.58 2,306.25 123,333.1847 31 201501011,666.67 652.09 2,318.76 121,666.5148 31 201502011,666.67 643.28 2,309.95 119,999.8449 28 201503011,666.67 573.07 2,239.74 118,333.1750 31 201504011,666.67 625.65 2,292.32 116,666.5051 30 201505011,666.67 596.94 2,263.61 114,999.8352 31 2015 1,666.67 608.03 2,274.70 113,333.1653 30 201507011,666.67 579.89 2,246.56 111,666.4954 31 201508011,666.67 590.41 2,257.08 109,999.8255 31 201509011,666.67 581.59 2,248.26 108,333.1556 30 201510011,666.67 554.30 2,220.97 106,666.4857 31 201511011,666.67 563.97 2,230.64 104,999.8158 30 201512011,666.67 537.25 2,203.92 103,333.1459 31 201601011,666.67 546.35 2,213.02 101,666.4760 31 201602011,666.67 537.53 2,204.20 99,999.8061 29 201603011,666.67 494.61 2,161.28 98,333.1362 31 201604011,666.67 519.91 2,186.58 96,666.4663 30 201605011,666.67 494.61 2,161.28 94,999.7964 31 201606011,666.67 502.29 2,168.96 93,333.1265 30 201607011,666.67 477.55 2,144.22 91,666.4566 31 201608011,666.67 484.66 2,151.33 89,999.7867 31 201609011,666.67 475.85 2,142.52 88,333.1168 30 201610011,666.67 451.97 2,118.64 86,666.4469 31 201611011,666.67 458.22 2,124.89 84,999.7770 30 201612011,666.67 434.92 2,101.59 83,333.1071 3101011,666.67 440.60 2,107.27 81,666.4372 31 201702011,666.67 431.79 2,098.46 79,999.7673 28 201703011,666.67 382.04 2,048.71 78,333.0974 31 201704011,666.67 414.16 2,080.83 76,666.4275 30 201705011,666.67 392.28 2,058.95 74,999.7576 31 201706011,666.67 396.54 2,063.21 73,333.0877 30 201707011,666.67 375.22 2,041.89 71,666.4178 31 201708011,666.67 378.92 2,045.59 69,999.7479 31 201709011,666.67 370.10 2,036.77 68,333.0780 30 201710011,666.67 349.64 2,016.31 66,666.4081 31 201711011,666.67 352.48 2,019.15 64,999.7382 30 201712011,666.67 332.58 1,999.25 63,333.0683 31 201801011,666.67 334.86 2,001.53 61,666.3984 31 201802011,666.67 326.04 1,992.71 59,999.7285 28 201803011,666.67 286.53 1,953.20 58,333.0586 31 201804011,666.67 308.42 1,975.09 56,666.3887 30 201805011,666.67 289.94 1,956.61 54,999.7188 31 201806011,666.67 290.80 1,957.47 53,333.0489 30 2018 1,666.67 272.89 1,939.56 51,666.3790 31 201808011,666.67 273.17 1,939.84 49,999.7091 31 201809011,666.67 264.36 1,931.03 48,333.0392 30 201810011,666.67 247.30 1,913.97 46,666.3693 31 201811011,666.67 246.74 1,913.41 44,999.6994 30 201812011,666.67 230.25 1,896.92 43,333.0295 31 201901011,666.67 229.11 1,895.78 41,666.3596 31 201902011,666.67 220.30 1,886.97 39,999.6897 28 201903011,666.67 191.02 1,857.69 38,333.0198 31 201904011,666.67 202.68 1,869.35 36,666.3499 30 201905011,666.67 187.61 1,854.28 34,999.67100 31 201906011,666.67 185.05 1,851.72 33,333.00101 30 201907011,666.67 170.55 1,837.22 31,666.33102 31 201908011,666.67 167.43 1,834.10 29,999.66103 31 201909011,666.67 158.61 1,825.28 28,332.99104 30 201910011,666.67 144.97 1,811.64 26,666.32105 31 201911011,666.67 140.99 1,807.66 24,999.65106 30 201912011,666.67 127.91 1,794.58 23,332.98107 31 202001011,666.67 123.37 1,790.04 21,666.31108 3102011,666.67 114.55 1,781.22 19,999.64109 29 202003011,666.67 98.92 1,765.59 18,332.97110 31 202004011,666.67 96.93 1,763.60 16,666.30111 30 202005011,666.67 85.28 1,751.95 14,999.63112 31 202006011,666.67 79.31 1,745.98 13,332.96113 30 202007011,666.67 68.22 1,734.89 11,666.29114 31 202008011,666.67 61.68 1,728.35 9,999.62115 31 202009011,666.67 52.87 1,719.54 8,332.95116 30 202010011,666.67 42.64 1,709.31 6,666.28117 31 202011011,666.67 35.25 1,701.92 4,999.61118 30 202012011,666.67 25.58 1,692.25 3,332.94119 31 202101011,666.67 17.62 1,684.29 1,666.27120 31 202102011,666.27 8.81 1,675.08 0.00农业银行个人一手住房贷款什么是个人一手住房贷款？指银行向借款人发放的，用于借款人购买首次交易的住房（即房地产开发商或其他合格开发主体开发建设后销售给个人的住房）的贷款。