贷款21万（公积金贷款）房贷，还款10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：21万
还款月数：10年
每月还款：2013.27元
利息总额：3.16万
本息合计：24.16万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 2013.27 | 498.75 | 1514.52 | 208485.48 |
| 2 | 2025-06 | 2013.27 | 495.15 | 1518.11 | 206967.37 |
| 3 | 2025-07 | 2013.27 | 491.55 | 1521.72 | 205445.65 |
| 4 | 2025-08 | 2013.27 | 487.93 | 1525.33 | 203920.31 |
| 5 | 2025-09 | 2013.27 | 484.31 | 1528.96 | 202391.36 |
| 6 | 2025-10 | 2013.27 | 480.68 | 1532.59 | 200858.77 |
| 7 | 2025-11 | 2013.27 | 477.04 | 1536.23 | 199322.54 |
| 8 | 2025-12 | 2013.27 | 473.39 | 1539.88 | 197782.66 |
| 9 | 2026-01 | 2013.27 | 469.73 | 1543.53 | 196239.13 |
| 10 | 2026-02 | 2013.27 | 466.07 | 1547.20 | 194691.93 |
| 11 | 2026-03 | 2013.27 | 462.39 | 1550.87 | 193141.06 |
| 12 | 2026-04 | 2013.27 | 458.71 | 1554.56 | 191586.50 |
| 13 | 2026-05 | 2013.27 | 455.02 | 1558.25 | 190028.25 |
| 14 | 2026-06 | 2013.27 | 451.32 | 1561.95 | 188466.30 |
| 15 | 2026-07 | 2013.27 | 447.61 | 1565.66 | 186900.64 |
| 16 | 2026-08 | 2013.27 | 443.89 | 1569.38 | 185331.26 |
| 17 | 2026-09 | 2013.27 | 440.16 | 1573.11 | 183758.15 |
| 18 | 2026-10 | 2013.27 | 436.43 | 1576.84 | 182181.31 |
| 19 | 2026-11 | 2013.27 | 432.68 | 1580.59 | 180600.72 |
| 20 | 2026-12 | 2013.27 | 428.93 | 1584.34 | 179016.38 |
| 21 | 2027-01 | 2013.27 | 425.16 | 1588.10 | 177428.28 |
| 22 | 2027-02 | 2013.27 | 421.39 | 1591.88 | 175836.40 |
| 23 | 2027-03 | 2013.27 | 417.61 | 1595.66 | 174240.75 |
| 24 | 2027-04 | 2013.27 | 413.82 | 1599.45 | 172641.30 |
| 25 | 2027-05 | 2013.27 | 410.02 | 1603.24 | 171038.06 |
| 26 | 2027-06 | 2013.27 | 406.22 | 1607.05 | 169431.01 |
| 27 | 2027-07 | 2013.27 | 402.40 | 1610.87 | 167820.14 |
| 28 | 2027-08 | 2013.27 | 398.57 | 1614.69 | 166205.44 |
| 29 | 2027-09 | 2013.27 | 394.74 | 1618.53 | 164586.91 |
| 30 | 2027-10 | 2013.27 | 390.89 | 1622.37 | 162964.54 |
| 31 | 2027-11 | 2013.27 | 387.04 | 1626.23 | 161338.31 |
| 32 | 2027-12 | 2013.27 | 383.18 | 1630.09 | 159708.22 |
| 33 | 2028-01 | 2013.27 | 379.31 | 1633.96 | 158074.26 |
| 34 | 2028-02 | 2013.27 | 375.43 | 1637.84 | 156436.42 |
| 35 | 2028-03 | 2013.27 | 371.54 | 1641.73 | 154794.69 |
| 36 | 2028-04 | 2013.27 | 367.64 | 1645.63 | 153149.06 |
| 37 | 2028-05 | 2013.27 | 363.73 | 1649.54 | 151499.52 |
| 38 | 2028-06 | 2013.27 | 359.81 | 1653.46 | 149846.06 |
| 39 | 2028-07 | 2013.27 | 355.88 | 1657.38 | 148188.68 |
| 40 | 2028-08 | 2013.27 | 351.95 | 1661.32 | 146527.36 |
| 41 | 2028-09 | 2013.27 | 348.00 | 1665.27 | 144862.10 |
| 42 | 2028-10 | 2013.27 | 344.05 | 1669.22 | 143192.88 |
| 43 | 2028-11 | 2013.27 | 340.08 | 1673.18 | 141519.69 |
| 44 | 2028-12 | 2013.27 | 336.11 | 1677.16 | 139842.53 |
| 45 | 2029-01 | 2013.27 | 332.13 | 1681.14 | 138161.39 |
| 46 | 2029-02 | 2013.27 | 328.13 | 1685.13 | 136476.26 |
| 47 | 2029-03 | 2013.27 | 324.13 | 1689.14 | 134787.12 |
| 48 | 2029-04 | 2013.27 | 320.12 | 1693.15 | 133093.97 |
| 49 | 2029-05 | 2013.27 | 316.10 | 1697.17 | 131396.80 |
| 50 | 2029-06 | 2013.27 | 312.07 | 1701.20 | 129695.60 |
| 51 | 2029-07 | 2013.27 | 308.03 | 1705.24 | 127990.36 |
| 52 | 2029-08 | 2013.27 | 303.98 | 1709.29 | 126281.07 |
| 53 | 2029-09 | 2013.27 | 299.92 | 1713.35 | 124567.72 |
| 54 | 2029-10 | 2013.27 | 295.85 | 1717.42 | 122850.30 |
| 55 | 2029-11 | 2013.27 | 291.77 | 1721.50 | 121128.80 |
| 56 | 2029-12 | 2013.27 | 287.68 | 1725.59 | 119403.22 |
| 57 | 2030-01 | 2013.27 | 283.58 | 1729.68 | 117673.53 |
| 58 | 2030-02 | 2013.27 | 279.47 | 1733.79 | 115939.74 |
| 59 | 2030-03 | 2013.27 | 275.36 | 1737.91 | 114201.83 |
| 60 | 2030-04 | 2013.27 | 271.23 | 1742.04 | 112459.79 |
| 61 | 2030-05 | 2013.27 | 267.09 | 1746.18 | 110713.62 |
| 62 | 2030-06 | 2013.27 | 262.94 | 1750.32 | 108963.29 |
| 63 | 2030-07 | 2013.27 | 258.79 | 1754.48 | 107208.81 |
| 64 | 2030-08 | 2013.27 | 254.62 | 1758.65 | 105450.17 |
| 65 | 2030-09 | 2013.27 | 250.44 | 1762.82 | 103687.34 |
| 66 | 2030-10 | 2013.27 | 246.26 | 1767.01 | 101920.33 |
| 67 | 2030-11 | 2013.27 | 242.06 | 1771.21 | 100149.13 |
| 68 | 2030-12 | 2013.27 | 237.85 | 1775.41 | 98373.71 |
| 69 | 2031-01 | 2013.27 | 233.64 | 1779.63 | 96594.08 |
| 70 | 2031-02 | 2013.27 | 229.41 | 1783.86 | 94810.23 |
| 71 | 2031-03 | 2013.27 | 225.17 | 1788.09 | 93022.13 |
| 72 | 2031-04 | 2013.27 | 220.93 | 1792.34 | 91229.79 |
| 73 | 2031-05 | 2013.27 | 216.67 | 1796.60 | 89433.19 |
| 74 | 2031-06 | 2013.27 | 212.40 | 1800.86 | 87632.33 |
| 75 | 2031-07 | 2013.27 | 208.13 | 1805.14 | 85827.19 |
| 76 | 2031-08 | 2013.27 | 203.84 | 1809.43 | 84017.76 |
| 77 | 2031-09 | 2013.27 | 199.54 | 1813.73 | 82204.04 |
| 78 | 2031-10 | 2013.27 | 195.23 | 1818.03 | 80386.00 |
| 79 | 2031-11 | 2013.27 | 190.92 | 1822.35 | 78563.65 |
| 80 | 2031-12 | 2013.27 | 186.59 | 1826.68 | 76736.97 |
| 81 | 2032-01 | 2013.27 | 182.25 | 1831.02 | 74905.96 |
| 82 | 2032-02 | 2013.27 | 177.90 | 1835.37 | 73070.59 |
| 83 | 2032-03 | 2013.27 | 173.54 | 1839.72 | 71230.87 |
| 84 | 2032-04 | 2013.27 | 169.17 | 1844.09 | 69386.77 |
| 85 | 2032-05 | 2013.27 | 164.79 | 1848.47 | 67538.30 |
| 86 | 2032-06 | 2013.27 | 160.40 | 1852.86 | 65685.43 |
| 87 | 2032-07 | 2013.27 | 156.00 | 1857.26 | 63828.17 |
| 88 | 2032-08 | 2013.27 | 151.59 | 1861.68 | 61966.49 |
| 89 | 2032-09 | 2013.27 | 147.17 | 1866.10 | 60100.40 |
| 90 | 2032-10 | 2013.27 | 142.74 | 1870.53 | 58229.87 |
| 91 | 2032-11 | 2013.27 | 138.30 | 1874.97 | 56354.89 |
| 92 | 2032-12 | 2013.27 | 133.84 | 1879.42 | 54475.47 |
| 93 | 2033-01 | 2013.27 | 129.38 | 1883.89 | 52591.58 |
| 94 | 2033-02 | 2013.27 | 124.91 | 1888.36 | 50703.22 |
| 95 | 2033-03 | 2013.27 | 120.42 | 1892.85 | 48810.37 |
| 96 | 2033-04 | 2013.27 | 115.92 | 1897.34 | 46913.03 |
| 97 | 2033-05 | 2013.27 | 111.42 | 1901.85 | 45011.18 |
| 98 | 2033-06 | 2013.27 | 106.90 | 1906.37 | 43104.81 |
| 99 | 2033-07 | 2013.27 | 102.37 | 1910.89 | 41193.92 |
| 100 | 2033-08 | 2013.27 | 97.84 | 1915.43 | 39278.49 |
| 101 | 2033-09 | 2013.27 | 93.29 | 1919.98 | 37358.51 |
| 102 | 2033-10 | 2013.27 | 88.73 | 1924.54 | 35433.97 |
| 103 | 2033-11 | 2013.27 | 84.16 | 1929.11 | 33504.85 |
| 104 | 2033-12 | 2013.27 | 79.57 | 1933.69 | 31571.16 |
| 105 | 2034-01 | 2013.27 | 74.98 | 1938.29 | 29632.87 |
| 106 | 2034-02 | 2013.27 | 70.38 | 1942.89 | 27689.98 |
| 107 | 2034-03 | 2013.27 | 65.76 | 1947.50 | 25742.48 |
| 108 | 2034-04 | 2013.27 | 61.14 | 1952.13 | 23790.35 |
| 109 | 2034-05 | 2013.27 | 56.50 | 1956.77 | 21833.59 |
| 110 | 2034-06 | 2013.27 | 51.85 | 1961.41 | 19872.17 |
| 111 | 2034-07 | 2013.27 | 47.20 | 1966.07 | 17906.10 |
| 112 | 2034-08 | 2013.27 | 42.53 | 1970.74 | 15935.36 |
| 113 | 2034-09 | 2013.27 | 37.85 | 1975.42 | 13959.94 |
| 114 | 2034-10 | 2013.27 | 33.15 | 1980.11 | 11979.83 |
| 115 | 2034-11 | 2013.27 | 28.45 | 1984.82 | 9995.01 |
| 116 | 2034-12 | 2013.27 | 23.74 | 1989.53 | 8005.48 |
| 117 | 2035-01 | 2013.27 | 19.01 | 1994.25 | 6011.23 |
| 118 | 2035-02 | 2013.27 | 14.28 | 1998.99 | 4012.24 |
| 119 | 2035-03 | 2013.27 | 9.53 | 2003.74 | 2008.50 |
| 120 | 2035-04 | 2013.27 | 4.77 | 2008.50 | 0.00 |
等额本金还款方式：
贷款总额：21万
还款月数：10年
首月还款：2248.75元
每月递减：4.16元
利息总额：3.02万
本息合计：24.02万
节省利息：1417.74元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 2248.75 | 498.75 | 1750.00 | 208250.00 |
| 2 | 2025-06 | 2244.59 | 494.59 | 1750.00 | 206500.00 |
| 3 | 2025-07 | 2240.44 | 490.44 | 1750.00 | 204750.00 |
| 4 | 2025-08 | 2236.28 | 486.28 | 1750.00 | 203000.00 |
| 5 | 2025-09 | 2232.13 | 482.13 | 1750.00 | 201250.00 |
| 6 | 2025-10 | 2227.97 | 477.97 | 1750.00 | 199500.00 |
| 7 | 2025-11 | 2223.81 | 473.81 | 1750.00 | 197750.00 |
| 8 | 2025-12 | 2219.66 | 469.66 | 1750.00 | 196000.00 |
| 9 | 2026-01 | 2215.50 | 465.50 | 1750.00 | 194250.00 |
| 10 | 2026-02 | 2211.34 | 461.34 | 1750.00 | 192500.00 |
| 11 | 2026-03 | 2207.19 | 457.19 | 1750.00 | 190750.00 |
| 12 | 2026-04 | 2203.03 | 453.03 | 1750.00 | 189000.00 |
| 13 | 2026-05 | 2198.88 | 448.88 | 1750.00 | 187250.00 |
| 14 | 2026-06 | 2194.72 | 444.72 | 1750.00 | 185500.00 |
| 15 | 2026-07 | 2190.56 | 440.56 | 1750.00 | 183750.00 |
| 16 | 2026-08 | 2186.41 | 436.41 | 1750.00 | 182000.00 |
| 17 | 2026-09 | 2182.25 | 432.25 | 1750.00 | 180250.00 |
| 18 | 2026-10 | 2178.09 | 428.09 | 1750.00 | 178500.00 |
| 19 | 2026-11 | 2173.94 | 423.94 | 1750.00 | 176750.00 |
| 20 | 2026-12 | 2169.78 | 419.78 | 1750.00 | 175000.00 |
| 21 | 2027-01 | 2165.63 | 415.63 | 1750.00 | 173250.00 |
| 22 | 2027-02 | 2161.47 | 411.47 | 1750.00 | 171500.00 |
| 23 | 2027-03 | 2157.31 | 407.31 | 1750.00 | 169750.00 |
| 24 | 2027-04 | 2153.16 | 403.16 | 1750.00 | 168000.00 |
| 25 | 2027-05 | 2149.00 | 399.00 | 1750.00 | 166250.00 |
| 26 | 2027-06 | 2144.84 | 394.84 | 1750.00 | 164500.00 |
| 27 | 2027-07 | 2140.69 | 390.69 | 1750.00 | 162750.00 |
| 28 | 2027-08 | 2136.53 | 386.53 | 1750.00 | 161000.00 |
| 29 | 2027-09 | 2132.38 | 382.38 | 1750.00 | 159250.00 |
| 30 | 2027-10 | 2128.22 | 378.22 | 1750.00 | 157500.00 |
| 31 | 2027-11 | 2124.06 | 374.06 | 1750.00 | 155750.00 |
| 32 | 2027-12 | 2119.91 | 369.91 | 1750.00 | 154000.00 |
| 33 | 2028-01 | 2115.75 | 365.75 | 1750.00 | 152250.00 |
| 34 | 2028-02 | 2111.59 | 361.59 | 1750.00 | 150500.00 |
| 35 | 2028-03 | 2107.44 | 357.44 | 1750.00 | 148750.00 |
| 36 | 2028-04 | 2103.28 | 353.28 | 1750.00 | 147000.00 |
| 37 | 2028-05 | 2099.13 | 349.13 | 1750.00 | 145250.00 |
| 38 | 2028-06 | 2094.97 | 344.97 | 1750.00 | 143500.00 |
| 39 | 2028-07 | 2090.81 | 340.81 | 1750.00 | 141750.00 |
| 40 | 2028-08 | 2086.66 | 336.66 | 1750.00 | 140000.00 |
| 41 | 2028-09 | 2082.50 | 332.50 | 1750.00 | 138250.00 |
| 42 | 2028-10 | 2078.34 | 328.34 | 1750.00 | 136500.00 |
| 43 | 2028-11 | 2074.19 | 324.19 | 1750.00 | 134750.00 |
| 44 | 2028-12 | 2070.03 | 320.03 | 1750.00 | 133000.00 |
| 45 | 2029-01 | 2065.88 | 315.88 | 1750.00 | 131250.00 |
| 46 | 2029-02 | 2061.72 | 311.72 | 1750.00 | 129500.00 |
| 47 | 2029-03 | 2057.56 | 307.56 | 1750.00 | 127750.00 |
| 48 | 2029-04 | 2053.41 | 303.41 | 1750.00 | 126000.00 |
| 49 | 2029-05 | 2049.25 | 299.25 | 1750.00 | 124250.00 |
| 50 | 2029-06 | 2045.09 | 295.09 | 1750.00 | 122500.00 |
| 51 | 2029-07 | 2040.94 | 290.94 | 1750.00 | 120750.00 |
| 52 | 2029-08 | 2036.78 | 286.78 | 1750.00 | 119000.00 |
| 53 | 2029-09 | 2032.63 | 282.63 | 1750.00 | 117250.00 |
| 54 | 2029-10 | 2028.47 | 278.47 | 1750.00 | 115500.00 |
| 55 | 2029-11 | 2024.31 | 274.31 | 1750.00 | 113750.00 |
| 56 | 2029-12 | 2020.16 | 270.16 | 1750.00 | 112000.00 |
| 57 | 2030-01 | 2016.00 | 266.00 | 1750.00 | 110250.00 |
| 58 | 2030-02 | 2011.84 | 261.84 | 1750.00 | 108500.00 |
| 59 | 2030-03 | 2007.69 | 257.69 | 1750.00 | 106750.00 |
| 60 | 2030-04 | 2003.53 | 253.53 | 1750.00 | 105000.00 |
| 61 | 2030-05 | 1999.38 | 249.38 | 1750.00 | 103250.00 |
| 62 | 2030-06 | 1995.22 | 245.22 | 1750.00 | 101500.00 |
| 63 | 2030-07 | 1991.06 | 241.06 | 1750.00 | 99750.00 |
| 64 | 2030-08 | 1986.91 | 236.91 | 1750.00 | 98000.00 |
| 65 | 2030-09 | 1982.75 | 232.75 | 1750.00 | 96250.00 |
| 66 | 2030-10 | 1978.59 | 228.59 | 1750.00 | 94500.00 |
| 67 | 2030-11 | 1974.44 | 224.44 | 1750.00 | 92750.00 |
| 68 | 2030-12 | 1970.28 | 220.28 | 1750.00 | 91000.00 |
| 69 | 2031-01 | 1966.13 | 216.13 | 1750.00 | 89250.00 |
| 70 | 2031-02 | 1961.97 | 211.97 | 1750.00 | 87500.00 |
| 71 | 2031-03 | 1957.81 | 207.81 | 1750.00 | 85750.00 |
| 72 | 2031-04 | 1953.66 | 203.66 | 1750.00 | 84000.00 |
| 73 | 2031-05 | 1949.50 | 199.50 | 1750.00 | 82250.00 |
| 74 | 2031-06 | 1945.34 | 195.34 | 1750.00 | 80500.00 |
| 75 | 2031-07 | 1941.19 | 191.19 | 1750.00 | 78750.00 |
| 76 | 2031-08 | 1937.03 | 187.03 | 1750.00 | 77000.00 |
| 77 | 2031-09 | 1932.88 | 182.88 | 1750.00 | 75250.00 |
| 78 | 2031-10 | 1928.72 | 178.72 | 1750.00 | 73500.00 |
| 79 | 2031-11 | 1924.56 | 174.56 | 1750.00 | 71750.00 |
| 80 | 2031-12 | 1920.41 | 170.41 | 1750.00 | 70000.00 |
| 81 | 2032-01 | 1916.25 | 166.25 | 1750.00 | 68250.00 |
| 82 | 2032-02 | 1912.09 | 162.09 | 1750.00 | 66500.00 |
| 83 | 2032-03 | 1907.94 | 157.94 | 1750.00 | 64750.00 |
| 84 | 2032-04 | 1903.78 | 153.78 | 1750.00 | 63000.00 |
| 85 | 2032-05 | 1899.63 | 149.63 | 1750.00 | 61250.00 |
| 86 | 2032-06 | 1895.47 | 145.47 | 1750.00 | 59500.00 |
| 87 | 2032-07 | 1891.31 | 141.31 | 1750.00 | 57750.00 |
| 88 | 2032-08 | 1887.16 | 137.16 | 1750.00 | 56000.00 |
| 89 | 2032-09 | 1883.00 | 133.00 | 1750.00 | 54250.00 |
| 90 | 2032-10 | 1878.84 | 128.84 | 1750.00 | 52500.00 |
| 91 | 2032-11 | 1874.69 | 124.69 | 1750.00 | 50750.00 |
| 92 | 2032-12 | 1870.53 | 120.53 | 1750.00 | 49000.00 |
| 93 | 2033-01 | 1866.38 | 116.38 | 1750.00 | 47250.00 |
| 94 | 2033-02 | 1862.22 | 112.22 | 1750.00 | 45500.00 |
| 95 | 2033-03 | 1858.06 | 108.06 | 1750.00 | 43750.00 |
| 96 | 2033-04 | 1853.91 | 103.91 | 1750.00 | 42000.00 |
| 97 | 2033-05 | 1849.75 | 99.75 | 1750.00 | 40250.00 |
| 98 | 2033-06 | 1845.59 | 95.59 | 1750.00 | 38500.00 |
| 99 | 2033-07 | 1841.44 | 91.44 | 1750.00 | 36750.00 |
| 100 | 2033-08 | 1837.28 | 87.28 | 1750.00 | 35000.00 |
| 101 | 2033-09 | 1833.13 | 83.13 | 1750.00 | 33250.00 |
| 102 | 2033-10 | 1828.97 | 78.97 | 1750.00 | 31500.00 |
| 103 | 2033-11 | 1824.81 | 74.81 | 1750.00 | 29750.00 |
| 104 | 2033-12 | 1820.66 | 70.66 | 1750.00 | 28000.00 |
| 105 | 2034-01 | 1816.50 | 66.50 | 1750.00 | 26250.00 |
| 106 | 2034-02 | 1812.34 | 62.34 | 1750.00 | 24500.00 |
| 107 | 2034-03 | 1808.19 | 58.19 | 1750.00 | 22750.00 |
| 108 | 2034-04 | 1804.03 | 54.03 | 1750.00 | 21000.00 |
| 109 | 2034-05 | 1799.88 | 49.88 | 1750.00 | 19250.00 |
| 110 | 2034-06 | 1795.72 | 45.72 | 1750.00 | 17500.00 |
| 111 | 2034-07 | 1791.56 | 41.56 | 1750.00 | 15750.00 |
| 112 | 2034-08 | 1787.41 | 37.41 | 1750.00 | 14000.00 |
| 113 | 2034-09 | 1783.25 | 33.25 | 1750.00 | 12250.00 |
| 114 | 2034-10 | 1779.09 | 29.09 | 1750.00 | 10500.00 |
| 115 | 2034-11 | 1774.94 | 24.94 | 1750.00 | 8750.00 |
| 116 | 2034-12 | 1770.78 | 20.78 | 1750.00 | 7000.00 |
| 117 | 2035-01 | 1766.63 | 16.63 | 1750.00 | 5250.00 |
| 118 | 2035-02 | 1762.47 | 12.47 | 1750.00 | 3500.00 |
| 119 | 2035-03 | 1758.31 | 8.31 | 1750.00 | 1750.00 |
| 120 | 2035-04 | 1754.16 | 4.16 | 1750.00 | 0.00 |