你好!贷款年限是根据你的年龄,由银行审核决定的!贷款最高年限为30年,最低1年!男的贷款年龄上限65岁,女的60岁!贷款利率和还款计算表如下!(一下是按1万元计算的)住房按揭贷款等额还款计算表（执行基准利率）2006年8月18日版借款金额 借款月数 借款年数 借款年利率％ 借款月利率‰ 月还款金额￥10,000 12 1 6.1200 5.1000 利随本清￥10,000 24 2 6.3000 5.2500 ￥444.56￥10,000 36 3 6.3000 5.2500 ￥305.58￥10,000 48 4 6.4800 5.4000 ￥237.06￥10,000 60 5 6.4800 5.4000 ￥195.57￥10,000 72 6 6.8400 5.7000 ￥169.72￥10,000 84 7 6.8400 5.7000 ￥150.15￥10,000 96 8 6.8400 5.7000 ￥135.54￥10,000 108 9 6.8400 5.7000 ￥124.25￥10,000 120 10 6.8400 5.7000 ￥112.99￥10,000 132 11 6.8400 5.7000 ￥108.00￥10,000 144 12 6.8400 5.7000 ￥101.99￥10,000 156 13 6.8400 5.7000 ￥96.94￥10,000 168 14 6.8400 5.7000 ￥92.66￥10,000 180 15 6.8400 5.7000 ￥88.99￥10,000 192 16 6.8400 5.7000 ￥85.82￥10,000 204 17 6.8400 5.7000 ￥83.05￥10,000 216 18 6.8400 5.7000 ￥80.62￥10,000 228 19 6.8400 5.7000 ￥78.47￥10,000 240 20 6.8400 5.7000 ￥76.57￥10,000 252 21 6.8400 5.7000 ￥74.88￥10,000 264 22 6.8400 5.7000 ￥73.36￥10,000 276 23 6.8400 5.7000 ￥72.00￥10,000 288 24 6.8400 5.7000 ￥70.77￥10,000 300 25 6.8400 5.7000 ￥69.66￥10,000 312 26 6.8400 5.7000 ￥68.66￥10,000 324 27 6.8400 5.7000 ￥67.74￥10,000 336 28 6.8400 5.7000 ￥66.91￥10,000 348 29 6.8400 5.7000 ￥66.15￥10,000 360 30 6.8400 5.7000 ￥65.46公积金最低还款额及月均还款额贷款年限 贷款利率（%） 月均还款额（元）（借款1万元）1 4.14 852.142 4.14 434.873 4.14 295.864 4.14 226.425 4.14 184.806 4.59 159.157 4.59 139.428 4.59 124.669 4.59 113.2110 4.59 104.0711 4.59 96.6312 4.59 90.4513 4.59 85.2414 4.59 80.7915 4.59 76.9616 4.59 73.6217 4.59 70.7018 4.59 68.1119 4.59 65.8120 4.59 63.7521 4.59 61.9022 4.59 60.2423 4.59 58.7224 4.59 57.3525 4.59 56.1026 4.59 54.9527 4.59 53.8928 4.59 52.9229 4.59 52.0330 4.59 51.20住房按揭贷款等额还款计算表（执行优惠利率）2006年8月18日版借款金额 借款月数 借款年数 借款年利率％ 借款月利率‰ 月还款金额￥10,000 12 1 5.2020 4.3350 利随本清￥10,000 24 2 5.3550 4.4625 ￥440.31￥10,000 36 3 5.3550 4.4625 ￥301.31￥10,000 48 4 5.5080 4.5900 ￥232.60￥10,000 60 5 5.5080 4.5900 ￥191.05￥10,000 72 6 5.8140 4.8450 ￥164.85￥10,000 84 7 5.8140 4.8450 ￥145.20￥10,000 96 8 5.8140 4.8450 ￥130.51￥10,000 108 9 5.8140 4.8450 ￥119.14￥10,000 120 10 5.8140 4.8450 ￥110.09￥10,000 132 11 5.8140 4.8450 ￥102.72￥10,000 144 12 5.8140 4.8450 ￥96.63￥10,000 156 13 5.8140 4.8450 ￥91.50￥10,000 168 14 5.8140 4.8450 ￥87.14￥10,000 180 15 5.8140 4.8450 ￥83.38￥10,000 192 16 5.8140 4.8450 ￥80.13￥10,000 204 17 5.8140 4.8450 ￥77.28￥10,000 216 18 5.8140 4.8450 ￥74.77￥10,000 228 19 5.8140 4.8450 ￥72.55￥10,000 240 20 5.8140 4.8450 ￥70.57￥10,000 252 21 5.8140 4.8450 ￥68.80￥10,000 264 22 5.8140 4.8450 ￥67.21￥10,000 276 23 5.8140 4.8450 ￥65.78￥10,000 288 24 5.8140 4.8450 ￥64.48￥10,000 300 25 5.8140 4.8450 ￥63.30￥10,000 312 26 5.8140 4.8450 ￥62.22￥10,000 324 27 5.8140 4.8450 ￥61.24￥10,000 336 28 5.8140 4.8450 ￥60.34￥10,000 348 29 5.8140 4.8450 ￥59.52￥10,000 360 30 5.8140 4.8450 ￥58.76