兰州贷款18万（公积金贷款）房贷，还款6年的等额本息和等额本金的还款方式明细。
等额本息还款方式：
贷款总额：18万
还款月数：6年
每月还款：2722.8元
利息总额：1.6万
本息合计：19.6万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 2722.80 | 427.50 | 2295.30 | 177704.70 |
| 2 | 2025-04 | 2722.80 | 422.05 | 2300.75 | 175403.95 |
| 3 | 2025-05 | 2722.80 | 416.58 | 2306.21 | 173097.74 |
| 4 | 2025-06 | 2722.80 | 411.11 | 2311.69 | 170786.04 |
| 5 | 2025-07 | 2722.80 | 405.62 | 2317.18 | 168468.86 |
| 6 | 2025-08 | 2722.80 | 400.11 | 2322.69 | 166146.17 |
| 7 | 2025-09 | 2722.80 | 394.60 | 2328.20 | 163817.97 |
| 8 | 2025-10 | 2722.80 | 389.07 | 2333.73 | 161484.24 |
| 9 | 2025-11 | 2722.80 | 383.53 | 2339.27 | 159144.97 |
| 10 | 2025-12 | 2722.80 | 377.97 | 2344.83 | 156800.14 |
| 11 | 2026-01 | 2722.80 | 372.40 | 2350.40 | 154449.74 |
| 12 | 2026-02 | 2722.80 | 366.82 | 2355.98 | 152093.76 |
| 13 | 2026-03 | 2722.80 | 361.22 | 2361.58 | 149732.18 |
| 14 | 2026-04 | 2722.80 | 355.61 | 2367.19 | 147365.00 |
| 15 | 2026-05 | 2722.80 | 349.99 | 2372.81 | 144992.19 |
| 16 | 2026-06 | 2722.80 | 344.36 | 2378.44 | 142613.74 |
| 17 | 2026-07 | 2722.80 | 338.71 | 2384.09 | 140229.65 |
| 18 | 2026-08 | 2722.80 | 333.05 | 2389.75 | 137839.90 |
| 19 | 2026-09 | 2722.80 | 327.37 | 2395.43 | 135444.47 |
| 20 | 2026-10 | 2722.80 | 321.68 | 2401.12 | 133043.35 |
| 21 | 2026-11 | 2722.80 | 315.98 | 2406.82 | 130636.53 |
| 22 | 2026-12 | 2722.80 | 310.26 | 2412.54 | 128223.99 |
| 23 | 2027-01 | 2722.80 | 304.53 | 2418.27 | 125805.73 |
| 24 | 2027-02 | 2722.80 | 298.79 | 2424.01 | 123381.71 |
| 25 | 2027-03 | 2722.80 | 293.03 | 2429.77 | 120951.95 |
| 26 | 2027-04 | 2722.80 | 287.26 | 2435.54 | 118516.41 |
| 27 | 2027-05 | 2722.80 | 281.48 | 2441.32 | 116075.09 |
| 28 | 2027-06 | 2722.80 | 275.68 | 2447.12 | 113627.96 |
| 29 | 2027-07 | 2722.80 | 269.87 | 2452.93 | 111175.03 |
| 30 | 2027-08 | 2722.80 | 264.04 | 2458.76 | 108716.27 |
| 31 | 2027-09 | 2722.80 | 258.20 | 2464.60 | 106251.67 |
| 32 | 2027-10 | 2722.80 | 252.35 | 2470.45 | 103781.22 |
| 33 | 2027-11 | 2722.80 | 246.48 | 2476.32 | 101304.90 |
| 34 | 2027-12 | 2722.80 | 240.60 | 2482.20 | 98822.70 |
| 35 | 2028-01 | 2722.80 | 234.70 | 2488.10 | 96334.61 |
| 36 | 2028-02 | 2722.80 | 228.79 | 2494.00 | 93840.60 |
| 37 | 2028-03 | 2722.80 | 222.87 | 2499.93 | 91340.68 |
| 38 | 2028-04 | 2722.80 | 216.93 | 2505.87 | 88834.81 |
| 39 | 2028-05 | 2722.80 | 210.98 | 2511.82 | 86322.99 |
| 40 | 2028-06 | 2722.80 | 205.02 | 2517.78 | 83805.21 |
| 41 | 2028-07 | 2722.80 | 199.04 | 2523.76 | 81281.45 |
| 42 | 2028-08 | 2722.80 | 193.04 | 2529.76 | 78751.70 |
| 43 | 2028-09 | 2722.80 | 187.04 | 2535.76 | 76215.93 |
| 44 | 2028-10 | 2722.80 | 181.01 | 2541.79 | 73674.14 |
| 45 | 2028-11 | 2722.80 | 174.98 | 2547.82 | 71126.32 |
| 46 | 2028-12 | 2722.80 | 168.93 | 2553.87 | 68572.45 |
| 47 | 2029-01 | 2722.80 | 162.86 | 2559.94 | 66012.51 |
| 48 | 2029-02 | 2722.80 | 156.78 | 2566.02 | 63446.49 |
| 49 | 2029-03 | 2722.80 | 150.69 | 2572.11 | 60874.37 |
| 50 | 2029-04 | 2722.80 | 144.58 | 2578.22 | 58296.15 |
| 51 | 2029-05 | 2722.80 | 138.45 | 2584.35 | 55711.81 |
| 52 | 2029-06 | 2722.80 | 132.32 | 2590.48 | 53121.32 |
| 53 | 2029-07 | 2722.80 | 126.16 | 2596.64 | 50524.69 |
| 54 | 2029-08 | 2722.80 | 120.00 | 2602.80 | 47921.88 |
| 55 | 2029-09 | 2722.80 | 113.81 | 2608.98 | 45312.90 |
| 56 | 2029-10 | 2722.80 | 107.62 | 2615.18 | 42697.72 |
| 57 | 2029-11 | 2722.80 | 101.41 | 2621.39 | 40076.32 |
| 58 | 2029-12 | 2722.80 | 95.18 | 2627.62 | 37448.71 |
| 59 | 2030-01 | 2722.80 | 88.94 | 2633.86 | 34814.85 |
| 60 | 2030-02 | 2722.80 | 82.69 | 2640.11 | 32174.73 |
| 61 | 2030-03 | 2722.80 | 76.41 | 2646.38 | 29528.35 |
| 62 | 2030-04 | 2722.80 | 70.13 | 2652.67 | 26875.68 |
| 63 | 2030-05 | 2722.80 | 63.83 | 2658.97 | 24216.71 |
| 64 | 2030-06 | 2722.80 | 57.51 | 2665.28 | 21551.43 |
| 65 | 2030-07 | 2722.80 | 51.18 | 2671.61 | 18879.81 |
| 66 | 2030-08 | 2722.80 | 44.84 | 2677.96 | 16201.85 |
| 67 | 2030-09 | 2722.80 | 38.48 | 2684.32 | 13517.53 |
| 68 | 2030-10 | 2722.80 | 32.10 | 2690.70 | 10826.84 |
| 69 | 2030-11 | 2722.80 | 25.71 | 2697.09 | 8129.75 |
| 70 | 2030-12 | 2722.80 | 19.31 | 2703.49 | 5426.26 |
| 71 | 2031-01 | 2722.80 | 12.89 | 2709.91 | 2716.35 |
| 72 | 2031-02 | 2722.80 | 6.45 | 2716.35 | 0.00 |
等额本金还款方式：
贷款总额：18万
还款月数：6年
首月还款：2927.5元
每月递减：5.94元
利息总额：1.56万
本息合计：19.56万
节省利息：437.8元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 2927.50 | 427.50 | 2500.00 | 177500.00 |
| 2 | 2025-04 | 2921.56 | 421.56 | 2500.00 | 175000.00 |
| 3 | 2025-05 | 2915.63 | 415.63 | 2500.00 | 172500.00 |
| 4 | 2025-06 | 2909.69 | 409.69 | 2500.00 | 170000.00 |
| 5 | 2025-07 | 2903.75 | 403.75 | 2500.00 | 167500.00 |
| 6 | 2025-08 | 2897.81 | 397.81 | 2500.00 | 165000.00 |
| 7 | 2025-09 | 2891.88 | 391.88 | 2500.00 | 162500.00 |
| 8 | 2025-10 | 2885.94 | 385.94 | 2500.00 | 160000.00 |
| 9 | 2025-11 | 2880.00 | 380.00 | 2500.00 | 157500.00 |
| 10 | 2025-12 | 2874.06 | 374.06 | 2500.00 | 155000.00 |
| 11 | 2026-01 | 2868.13 | 368.13 | 2500.00 | 152500.00 |
| 12 | 2026-02 | 2862.19 | 362.19 | 2500.00 | 150000.00 |
| 13 | 2026-03 | 2856.25 | 356.25 | 2500.00 | 147500.00 |
| 14 | 2026-04 | 2850.31 | 350.31 | 2500.00 | 145000.00 |
| 15 | 2026-05 | 2844.38 | 344.38 | 2500.00 | 142500.00 |
| 16 | 2026-06 | 2838.44 | 338.44 | 2500.00 | 140000.00 |
| 17 | 2026-07 | 2832.50 | 332.50 | 2500.00 | 137500.00 |
| 18 | 2026-08 | 2826.56 | 326.56 | 2500.00 | 135000.00 |
| 19 | 2026-09 | 2820.63 | 320.63 | 2500.00 | 132500.00 |
| 20 | 2026-10 | 2814.69 | 314.69 | 2500.00 | 130000.00 |
| 21 | 2026-11 | 2808.75 | 308.75 | 2500.00 | 127500.00 |
| 22 | 2026-12 | 2802.81 | 302.81 | 2500.00 | 125000.00 |
| 23 | 2027-01 | 2796.88 | 296.88 | 2500.00 | 122500.00 |
| 24 | 2027-02 | 2790.94 | 290.94 | 2500.00 | 120000.00 |
| 25 | 2027-03 | 2785.00 | 285.00 | 2500.00 | 117500.00 |
| 26 | 2027-04 | 2779.06 | 279.06 | 2500.00 | 115000.00 |
| 27 | 2027-05 | 2773.13 | 273.13 | 2500.00 | 112500.00 |
| 28 | 2027-06 | 2767.19 | 267.19 | 2500.00 | 110000.00 |
| 29 | 2027-07 | 2761.25 | 261.25 | 2500.00 | 107500.00 |
| 30 | 2027-08 | 2755.31 | 255.31 | 2500.00 | 105000.00 |
| 31 | 2027-09 | 2749.38 | 249.38 | 2500.00 | 102500.00 |
| 32 | 2027-10 | 2743.44 | 243.44 | 2500.00 | 100000.00 |
| 33 | 2027-11 | 2737.50 | 237.50 | 2500.00 | 97500.00 |
| 34 | 2027-12 | 2731.56 | 231.56 | 2500.00 | 95000.00 |
| 35 | 2028-01 | 2725.63 | 225.63 | 2500.00 | 92500.00 |
| 36 | 2028-02 | 2719.69 | 219.69 | 2500.00 | 90000.00 |
| 37 | 2028-03 | 2713.75 | 213.75 | 2500.00 | 87500.00 |
| 38 | 2028-04 | 2707.81 | 207.81 | 2500.00 | 85000.00 |
| 39 | 2028-05 | 2701.88 | 201.88 | 2500.00 | 82500.00 |
| 40 | 2028-06 | 2695.94 | 195.94 | 2500.00 | 80000.00 |
| 41 | 2028-07 | 2690.00 | 190.00 | 2500.00 | 77500.00 |
| 42 | 2028-08 | 2684.06 | 184.06 | 2500.00 | 75000.00 |
| 43 | 2028-09 | 2678.13 | 178.13 | 2500.00 | 72500.00 |
| 44 | 2028-10 | 2672.19 | 172.19 | 2500.00 | 70000.00 |
| 45 | 2028-11 | 2666.25 | 166.25 | 2500.00 | 67500.00 |
| 46 | 2028-12 | 2660.31 | 160.31 | 2500.00 | 65000.00 |
| 47 | 2029-01 | 2654.38 | 154.38 | 2500.00 | 62500.00 |
| 48 | 2029-02 | 2648.44 | 148.44 | 2500.00 | 60000.00 |
| 49 | 2029-03 | 2642.50 | 142.50 | 2500.00 | 57500.00 |
| 50 | 2029-04 | 2636.56 | 136.56 | 2500.00 | 55000.00 |
| 51 | 2029-05 | 2630.63 | 130.63 | 2500.00 | 52500.00 |
| 52 | 2029-06 | 2624.69 | 124.69 | 2500.00 | 50000.00 |
| 53 | 2029-07 | 2618.75 | 118.75 | 2500.00 | 47500.00 |
| 54 | 2029-08 | 2612.81 | 112.81 | 2500.00 | 45000.00 |
| 55 | 2029-09 | 2606.88 | 106.88 | 2500.00 | 42500.00 |
| 56 | 2029-10 | 2600.94 | 100.94 | 2500.00 | 40000.00 |
| 57 | 2029-11 | 2595.00 | 95.00 | 2500.00 | 37500.00 |
| 58 | 2029-12 | 2589.06 | 89.06 | 2500.00 | 35000.00 |
| 59 | 2030-01 | 2583.13 | 83.13 | 2500.00 | 32500.00 |
| 60 | 2030-02 | 2577.19 | 77.19 | 2500.00 | 30000.00 |
| 61 | 2030-03 | 2571.25 | 71.25 | 2500.00 | 27500.00 |
| 62 | 2030-04 | 2565.31 | 65.31 | 2500.00 | 25000.00 |
| 63 | 2030-05 | 2559.38 | 59.38 | 2500.00 | 22500.00 |
| 64 | 2030-06 | 2553.44 | 53.44 | 2500.00 | 20000.00 |
| 65 | 2030-07 | 2547.50 | 47.50 | 2500.00 | 17500.00 |
| 66 | 2030-08 | 2541.56 | 41.56 | 2500.00 | 15000.00 |
| 67 | 2030-09 | 2535.63 | 35.63 | 2500.00 | 12500.00 |
| 68 | 2030-10 | 2529.69 | 29.69 | 2500.00 | 10000.00 |
| 69 | 2030-11 | 2523.75 | 23.75 | 2500.00 | 7500.00 |
| 70 | 2030-12 | 2517.81 | 17.81 | 2500.00 | 5000.00 |
| 71 | 2031-01 | 2511.88 | 11.88 | 2500.00 | 2500.00 |
| 72 | 2031-02 | 2505.94 | 5.94 | 2500.00 | 0.00 |