年限	公积金年利率（%）	商业年利率（%）	公积金月利率（‰）	商业月利率（‰）	公积金月均还款额	商业月均还款额
1	4.77	7.29	3.975	6.075	一次性还本付息
2	4.77	7.47	3.975	6.225	437.68	449.86
3	4.77	7.47	3.975	6.225	298.68	310.92
4	4.77	7.65	3.975	6.375	229.25	242.49
5	4.77	7.65	3.975	6.375	187.66	201.09
6	5.22	7.83	4.350	6.525	162.07	174.50
7	5.22	7.83	4.350	6.525	142.38	155.02
8	5.22	7.83	4.350	6.525	127.65	140.50
9	5.22	7.83	4.350	6.525	116.24	129.31
10	5.22	7.83	4.350	6.525	107.14	120.43
11	5.22	7.83	4.350	6.525	99.74	113.24
12	5.22	7.83	4.350	6.525	93.60	107.32
13	5.22	7.83	4.350	6.525	88.43	102.36
14	5.22	7.83	4.350	6.525	84.02	98.17
15	5.22	7.83	4.350	6.525	80.23	94.59
16	5.22	7.83	4.350	6.525	76.93	91.50
17	5.22	7.83	4.350	6.525	74.04	88.82
18	5.22	7.83	4.350	6.525	71.50	86.47
19	5.22	7.83	4.350	6.525	69.24	84.41
20	5.22	7.83	4.350	6.525	67.22	82.59
21	5.22	7.83	4.350	6.525	65.41	80.97
22	5.22	7.83	4.350	6.525	63.78	79.53
23	5.22	7.83	4.350	6.525	62.30	78.25
24	5.22	7.83	4.350	6.525	60.97	77.10
25	5.22	7.83	4.350	6.525	59.75	76.06
26	5.22	7.83	4.350	6.525	58.64	75.12
27	5.22	7.83	4.350	6.525	57.62	74.28
28	5.22	7.83	4.350	6.525	56.68	73.52
29	5.22	7.83	4.350	6.525	55.83	72.82
30	5.22	7.83	4.350	6.525	55.03	72.19