贷款26.4万（公积金贷款）房贷，还款8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：26.4万
还款月数：8年
每月还款：3078.65元
利息总额：3.16万
本息合计：29.56万
| 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 | 3078.65 | 627.00 | 2451.65 | 261548.35 |
| 2 | 2025-04 | 3078.65 | 621.18 | 2457.48 | 259090.87 |
| 3 | 2025-05 | 3078.65 | 615.34 | 2463.31 | 256627.56 |
| 4 | 2025-06 | 3078.65 | 609.49 | 2469.16 | 254158.40 |
| 5 | 2025-07 | 3078.65 | 603.63 | 2475.03 | 251683.37 |
| 6 | 2025-08 | 3078.65 | 597.75 | 2480.90 | 249202.47 |
| 7 | 2025-09 | 3078.65 | 591.86 | 2486.80 | 246715.67 |
| 8 | 2025-10 | 3078.65 | 585.95 | 2492.70 | 244222.96 |
| 9 | 2025-11 | 3078.65 | 580.03 | 2498.62 | 241724.34 |
| 10 | 2025-12 | 3078.65 | 574.10 | 2504.56 | 239219.78 |
| 11 | 2026-01 | 3078.65 | 568.15 | 2510.51 | 236709.28 |
| 12 | 2026-02 | 3078.65 | 562.18 | 2516.47 | 234192.81 |
| 13 | 2026-03 | 3078.65 | 556.21 | 2522.45 | 231670.36 |
| 14 | 2026-04 | 3078.65 | 550.22 | 2528.44 | 229141.93 |
| 15 | 2026-05 | 3078.65 | 544.21 | 2534.44 | 226607.49 |
| 16 | 2026-06 | 3078.65 | 538.19 | 2540.46 | 224067.03 |
| 17 | 2026-07 | 3078.65 | 532.16 | 2546.49 | 221520.53 |
| 18 | 2026-08 | 3078.65 | 526.11 | 2552.54 | 218967.99 |
| 19 | 2026-09 | 3078.65 | 520.05 | 2558.60 | 216409.39 |
| 20 | 2026-10 | 3078.65 | 513.97 | 2564.68 | 213844.71 |
| 21 | 2026-11 | 3078.65 | 507.88 | 2570.77 | 211273.94 |
| 22 | 2026-12 | 3078.65 | 501.78 | 2576.88 | 208697.06 |
| 23 | 2027-01 | 3078.65 | 495.66 | 2583.00 | 206114.06 |
| 24 | 2027-02 | 3078.65 | 489.52 | 2589.13 | 203524.93 |
| 25 | 2027-03 | 3078.65 | 483.37 | 2595.28 | 200929.65 |
| 26 | 2027-04 | 3078.65 | 477.21 | 2601.45 | 198328.20 |
| 27 | 2027-05 | 3078.65 | 471.03 | 2607.62 | 195720.58 |
| 28 | 2027-06 | 3078.65 | 464.84 | 2613.82 | 193106.76 |
| 29 | 2027-07 | 3078.65 | 458.63 | 2620.02 | 190486.74 |
| 30 | 2027-08 | 3078.65 | 452.41 | 2626.25 | 187860.49 |
| 31 | 2027-09 | 3078.65 | 446.17 | 2632.48 | 185228.01 |
| 32 | 2027-10 | 3078.65 | 439.92 | 2638.74 | 182589.27 |
| 33 | 2027-11 | 3078.65 | 433.65 | 2645.00 | 179944.27 |
| 34 | 2027-12 | 3078.65 | 427.37 | 2651.29 | 177292.98 |
| 35 | 2028-01 | 3078.65 | 421.07 | 2657.58 | 174635.40 |
| 36 | 2028-02 | 3078.65 | 414.76 | 2663.89 | 171971.51 |
| 37 | 2028-03 | 3078.65 | 408.43 | 2670.22 | 169301.29 |
| 38 | 2028-04 | 3078.65 | 402.09 | 2676.56 | 166624.72 |
| 39 | 2028-05 | 3078.65 | 395.73 | 2682.92 | 163941.80 |
| 40 | 2028-06 | 3078.65 | 389.36 | 2689.29 | 161252.51 |
| 41 | 2028-07 | 3078.65 | 382.97 | 2695.68 | 158556.83 |
| 42 | 2028-08 | 3078.65 | 376.57 | 2702.08 | 155854.75 |
| 43 | 2028-09 | 3078.65 | 370.16 | 2708.50 | 153146.26 |
| 44 | 2028-10 | 3078.65 | 363.72 | 2714.93 | 150431.33 |
| 45 | 2028-11 | 3078.65 | 357.27 | 2721.38 | 147709.95 |
| 46 | 2028-12 | 3078.65 | 350.81 | 2727.84 | 144982.11 |
| 47 | 2029-01 | 3078.65 | 344.33 | 2734.32 | 142247.78 |
| 48 | 2029-02 | 3078.65 | 337.84 | 2740.81 | 139506.97 |
| 49 | 2029-03 | 3078.65 | 331.33 | 2747.32 | 136759.65 |
| 50 | 2029-04 | 3078.65 | 324.80 | 2753.85 | 134005.80 |
| 51 | 2029-05 | 3078.65 | 318.26 | 2760.39 | 131245.41 |
| 52 | 2029-06 | 3078.65 | 311.71 | 2766.95 | 128478.46 |
| 53 | 2029-07 | 3078.65 | 305.14 | 2773.52 | 125704.95 |
| 54 | 2029-08 | 3078.65 | 298.55 | 2780.10 | 122924.84 |
| 55 | 2029-09 | 3078.65 | 291.95 | 2786.71 | 120138.14 |
| 56 | 2029-10 | 3078.65 | 285.33 | 2793.32 | 117344.81 |
| 57 | 2029-11 | 3078.65 | 278.69 | 2799.96 | 114544.85 |
| 58 | 2029-12 | 3078.65 | 272.04 | 2806.61 | 111738.24 |
| 59 | 2030-01 | 3078.65 | 265.38 | 2813.27 | 108924.97 |
| 60 | 2030-02 | 3078.65 | 258.70 | 2819.96 | 106105.01 |
| 61 | 2030-03 | 3078.65 | 252.00 | 2826.65 | 103278.36 |
| 62 | 2030-04 | 3078.65 | 245.29 | 2833.37 | 100444.99 |
| 63 | 2030-05 | 3078.65 | 238.56 | 2840.10 | 97604.90 |
| 64 | 2030-06 | 3078.65 | 231.81 | 2846.84 | 94758.06 |
| 65 | 2030-07 | 3078.65 | 225.05 | 2853.60 | 91904.45 |
| 66 | 2030-08 | 3078.65 | 218.27 | 2860.38 | 89044.07 |
| 67 | 2030-09 | 3078.65 | 211.48 | 2867.17 | 86176.90 |
| 68 | 2030-10 | 3078.65 | 204.67 | 2873.98 | 83302.92 |
| 69 | 2030-11 | 3078.65 | 197.84 | 2880.81 | 80422.11 |
| 70 | 2030-12 | 3078.65 | 191.00 | 2887.65 | 77534.46 |
| 71 | 2031-01 | 3078.65 | 184.14 | 2894.51 | 74639.95 |
| 72 | 2031-02 | 3078.65 | 177.27 | 2901.38 | 71738.57 |
| 73 | 2031-03 | 3078.65 | 170.38 | 2908.27 | 68830.29 |
| 74 | 2031-04 | 3078.65 | 163.47 | 2915.18 | 65915.11 |
| 75 | 2031-05 | 3078.65 | 156.55 | 2922.10 | 62993.01 |
| 76 | 2031-06 | 3078.65 | 149.61 | 2929.04 | 60063.96 |
| 77 | 2031-07 | 3078.65 | 142.65 | 2936.00 | 57127.96 |
| 78 | 2031-08 | 3078.65 | 135.68 | 2942.97 | 54184.99 |
| 79 | 2031-09 | 3078.65 | 128.69 | 2949.96 | 51235.02 |
| 80 | 2031-10 | 3078.65 | 121.68 | 2956.97 | 48278.05 |
| 81 | 2031-11 | 3078.65 | 114.66 | 2963.99 | 45314.06 |
| 82 | 2031-12 | 3078.65 | 107.62 | 2971.03 | 42343.03 |
| 83 | 2032-01 | 3078.65 | 100.56 | 2978.09 | 39364.94 |
| 84 | 2032-02 | 3078.65 | 93.49 | 2985.16 | 36379.78 |
| 85 | 2032-03 | 3078.65 | 86.40 | 2992.25 | 33387.53 |
| 86 | 2032-04 | 3078.65 | 79.30 | 2999.36 | 30388.17 |
| 87 | 2032-05 | 3078.65 | 72.17 | 3006.48 | 27381.69 |
| 88 | 2032-06 | 3078.65 | 65.03 | 3013.62 | 24368.07 |
| 89 | 2032-07 | 3078.65 | 57.87 | 3020.78 | 21347.29 |
| 90 | 2032-08 | 3078.65 | 50.70 | 3027.95 | 18319.34 |
| 91 | 2032-09 | 3078.65 | 43.51 | 3035.14 | 15284.19 |
| 92 | 2032-10 | 3078.65 | 36.30 | 3042.35 | 12241.84 |
| 93 | 2032-11 | 3078.65 | 29.07 | 3049.58 | 9192.26 |
| 94 | 2032-12 | 3078.65 | 21.83 | 3056.82 | 6135.44 |
| 95 | 2033-01 | 3078.65 | 14.57 | 3064.08 | 3071.36 |
| 96 | 2033-02 | 3078.65 | 7.29 | 3071.36 | 0.00 |
等额本金还款方式：
贷款总额：26.4万
还款月数：8年
首月还款：3377元
每月递减：6.53元
利息总额：3.04万
本息合计：29.44万
节省利息：1141.18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 | 3377.00 | 627.00 | 2750.00 | 261250.00 |
| 2 | 2025-04 | 3370.47 | 620.47 | 2750.00 | 258500.00 |
| 3 | 2025-05 | 3363.94 | 613.94 | 2750.00 | 255750.00 |
| 4 | 2025-06 | 3357.41 | 607.41 | 2750.00 | 253000.00 |
| 5 | 2025-07 | 3350.88 | 600.88 | 2750.00 | 250250.00 |
| 6 | 2025-08 | 3344.34 | 594.34 | 2750.00 | 247500.00 |
| 7 | 2025-09 | 3337.81 | 587.81 | 2750.00 | 244750.00 |
| 8 | 2025-10 | 3331.28 | 581.28 | 2750.00 | 242000.00 |
| 9 | 2025-11 | 3324.75 | 574.75 | 2750.00 | 239250.00 |
| 10 | 2025-12 | 3318.22 | 568.22 | 2750.00 | 236500.00 |
| 11 | 2026-01 | 3311.69 | 561.69 | 2750.00 | 233750.00 |
| 12 | 2026-02 | 3305.16 | 555.16 | 2750.00 | 231000.00 |
| 13 | 2026-03 | 3298.63 | 548.63 | 2750.00 | 228250.00 |
| 14 | 2026-04 | 3292.09 | 542.09 | 2750.00 | 225500.00 |
| 15 | 2026-05 | 3285.56 | 535.56 | 2750.00 | 222750.00 |
| 16 | 2026-06 | 3279.03 | 529.03 | 2750.00 | 220000.00 |
| 17 | 2026-07 | 3272.50 | 522.50 | 2750.00 | 217250.00 |
| 18 | 2026-08 | 3265.97 | 515.97 | 2750.00 | 214500.00 |
| 19 | 2026-09 | 3259.44 | 509.44 | 2750.00 | 211750.00 |
| 20 | 2026-10 | 3252.91 | 502.91 | 2750.00 | 209000.00 |
| 21 | 2026-11 | 3246.38 | 496.38 | 2750.00 | 206250.00 |
| 22 | 2026-12 | 3239.84 | 489.84 | 2750.00 | 203500.00 |
| 23 | 2027-01 | 3233.31 | 483.31 | 2750.00 | 200750.00 |
| 24 | 2027-02 | 3226.78 | 476.78 | 2750.00 | 198000.00 |
| 25 | 2027-03 | 3220.25 | 470.25 | 2750.00 | 195250.00 |
| 26 | 2027-04 | 3213.72 | 463.72 | 2750.00 | 192500.00 |
| 27 | 2027-05 | 3207.19 | 457.19 | 2750.00 | 189750.00 |
| 28 | 2027-06 | 3200.66 | 450.66 | 2750.00 | 187000.00 |
| 29 | 2027-07 | 3194.13 | 444.13 | 2750.00 | 184250.00 |
| 30 | 2027-08 | 3187.59 | 437.59 | 2750.00 | 181500.00 |
| 31 | 2027-09 | 3181.06 | 431.06 | 2750.00 | 178750.00 |
| 32 | 2027-10 | 3174.53 | 424.53 | 2750.00 | 176000.00 |
| 33 | 2027-11 | 3168.00 | 418.00 | 2750.00 | 173250.00 |
| 34 | 2027-12 | 3161.47 | 411.47 | 2750.00 | 170500.00 |
| 35 | 2028-01 | 3154.94 | 404.94 | 2750.00 | 167750.00 |
| 36 | 2028-02 | 3148.41 | 398.41 | 2750.00 | 165000.00 |
| 37 | 2028-03 | 3141.88 | 391.88 | 2750.00 | 162250.00 |
| 38 | 2028-04 | 3135.34 | 385.34 | 2750.00 | 159500.00 |
| 39 | 2028-05 | 3128.81 | 378.81 | 2750.00 | 156750.00 |
| 40 | 2028-06 | 3122.28 | 372.28 | 2750.00 | 154000.00 |
| 41 | 2028-07 | 3115.75 | 365.75 | 2750.00 | 151250.00 |
| 42 | 2028-08 | 3109.22 | 359.22 | 2750.00 | 148500.00 |
| 43 | 2028-09 | 3102.69 | 352.69 | 2750.00 | 145750.00 |
| 44 | 2028-10 | 3096.16 | 346.16 | 2750.00 | 143000.00 |
| 45 | 2028-11 | 3089.63 | 339.63 | 2750.00 | 140250.00 |
| 46 | 2028-12 | 3083.09 | 333.09 | 2750.00 | 137500.00 |
| 47 | 2029-01 | 3076.56 | 326.56 | 2750.00 | 134750.00 |
| 48 | 2029-02 | 3070.03 | 320.03 | 2750.00 | 132000.00 |
| 49 | 2029-03 | 3063.50 | 313.50 | 2750.00 | 129250.00 |
| 50 | 2029-04 | 3056.97 | 306.97 | 2750.00 | 126500.00 |
| 51 | 2029-05 | 3050.44 | 300.44 | 2750.00 | 123750.00 |
| 52 | 2029-06 | 3043.91 | 293.91 | 2750.00 | 121000.00 |
| 53 | 2029-07 | 3037.38 | 287.38 | 2750.00 | 118250.00 |
| 54 | 2029-08 | 3030.84 | 280.84 | 2750.00 | 115500.00 |
| 55 | 2029-09 | 3024.31 | 274.31 | 2750.00 | 112750.00 |
| 56 | 2029-10 | 3017.78 | 267.78 | 2750.00 | 110000.00 |
| 57 | 2029-11 | 3011.25 | 261.25 | 2750.00 | 107250.00 |
| 58 | 2029-12 | 3004.72 | 254.72 | 2750.00 | 104500.00 |
| 59 | 2030-01 | 2998.19 | 248.19 | 2750.00 | 101750.00 |
| 60 | 2030-02 | 2991.66 | 241.66 | 2750.00 | 99000.00 |
| 61 | 2030-03 | 2985.13 | 235.13 | 2750.00 | 96250.00 |
| 62 | 2030-04 | 2978.59 | 228.59 | 2750.00 | 93500.00 |
| 63 | 2030-05 | 2972.06 | 222.06 | 2750.00 | 90750.00 |
| 64 | 2030-06 | 2965.53 | 215.53 | 2750.00 | 88000.00 |
| 65 | 2030-07 | 2959.00 | 209.00 | 2750.00 | 85250.00 |
| 66 | 2030-08 | 2952.47 | 202.47 | 2750.00 | 82500.00 |
| 67 | 2030-09 | 2945.94 | 195.94 | 2750.00 | 79750.00 |
| 68 | 2030-10 | 2939.41 | 189.41 | 2750.00 | 77000.00 |
| 69 | 2030-11 | 2932.88 | 182.88 | 2750.00 | 74250.00 |
| 70 | 2030-12 | 2926.34 | 176.34 | 2750.00 | 71500.00 |
| 71 | 2031-01 | 2919.81 | 169.81 | 2750.00 | 68750.00 |
| 72 | 2031-02 | 2913.28 | 163.28 | 2750.00 | 66000.00 |
| 73 | 2031-03 | 2906.75 | 156.75 | 2750.00 | 63250.00 |
| 74 | 2031-04 | 2900.22 | 150.22 | 2750.00 | 60500.00 |
| 75 | 2031-05 | 2893.69 | 143.69 | 2750.00 | 57750.00 |
| 76 | 2031-06 | 2887.16 | 137.16 | 2750.00 | 55000.00 |
| 77 | 2031-07 | 2880.63 | 130.63 | 2750.00 | 52250.00 |
| 78 | 2031-08 | 2874.09 | 124.09 | 2750.00 | 49500.00 |
| 79 | 2031-09 | 2867.56 | 117.56 | 2750.00 | 46750.00 |
| 80 | 2031-10 | 2861.03 | 111.03 | 2750.00 | 44000.00 |
| 81 | 2031-11 | 2854.50 | 104.50 | 2750.00 | 41250.00 |
| 82 | 2031-12 | 2847.97 | 97.97 | 2750.00 | 38500.00 |
| 83 | 2032-01 | 2841.44 | 91.44 | 2750.00 | 35750.00 |
| 84 | 2032-02 | 2834.91 | 84.91 | 2750.00 | 33000.00 |
| 85 | 2032-03 | 2828.38 | 78.38 | 2750.00 | 30250.00 |
| 86 | 2032-04 | 2821.84 | 71.84 | 2750.00 | 27500.00 |
| 87 | 2032-05 | 2815.31 | 65.31 | 2750.00 | 24750.00 |
| 88 | 2032-06 | 2808.78 | 58.78 | 2750.00 | 22000.00 |
| 89 | 2032-07 | 2802.25 | 52.25 | 2750.00 | 19250.00 |
| 90 | 2032-08 | 2795.72 | 45.72 | 2750.00 | 16500.00 |
| 91 | 2032-09 | 2789.19 | 39.19 | 2750.00 | 13750.00 |
| 92 | 2032-10 | 2782.66 | 32.66 | 2750.00 | 11000.00 |
| 93 | 2032-11 | 2776.13 | 26.13 | 2750.00 | 8250.00 |
| 94 | 2032-12 | 2769.59 | 19.59 | 2750.00 | 5500.00 |
| 95 | 2033-01 | 2763.06 | 13.06 | 2750.00 | 2750.00 |
| 96 | 2033-02 | 2756.53 | 6.53 | 2750.00 | 0.00 |