利率政策利率（%）月还款额（元）月还款差额（元）降息前基准利率6.87633.40148.20降息后基准利率6.557485.20降息前9折优惠6.127233.71129.84降息后9折优惠5.8957103.87降息前8.5折优惠5.787037.97120.92降息后8.5折优惠5.56756917.05降息前8折优惠5.446845.03112.17降息后8折优惠5.246732.86