合肥贷款12万（公积金贷款）房贷，还款6年11个月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：12万
还款月数：6年11个月
每月还款：1594.67元
利息总额：1.24万
本息合计：13.24万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-04 | 1594.67 | 285.00 | 1309.67 | 118690.33 |
| 2 | 2025-05 | 1594.67 | 281.89 | 1312.78 | 117377.54 |
| 3 | 2025-06 | 1594.67 | 278.77 | 1315.90 | 116061.64 |
| 4 | 2025-07 | 1594.67 | 275.65 | 1319.03 | 114742.62 |
| 5 | 2025-08 | 1594.67 | 272.51 | 1322.16 | 113420.46 |
| 6 | 2025-09 | 1594.67 | 269.37 | 1325.30 | 112095.16 |
| 7 | 2025-10 | 1594.67 | 266.23 | 1328.45 | 110766.71 |
| 8 | 2025-11 | 1594.67 | 263.07 | 1331.60 | 109435.11 |
| 9 | 2025-12 | 1594.67 | 259.91 | 1334.76 | 108100.35 |
| 10 | 2026-01 | 1594.67 | 256.74 | 1337.93 | 106762.41 |
| 11 | 2026-02 | 1594.67 | 253.56 | 1341.11 | 105421.30 |
| 12 | 2026-03 | 1594.67 | 250.38 | 1344.30 | 104077.01 |
| 13 | 2026-04 | 1594.67 | 247.18 | 1347.49 | 102729.52 |
| 14 | 2026-05 | 1594.67 | 243.98 | 1350.69 | 101378.83 |
| 15 | 2026-06 | 1594.67 | 240.77 | 1353.90 | 100024.93 |
| 16 | 2026-07 | 1594.67 | 237.56 | 1357.11 | 98667.81 |
| 17 | 2026-08 | 1594.67 | 234.34 | 1360.34 | 97307.48 |
| 18 | 2026-09 | 1594.67 | 231.11 | 1363.57 | 95943.91 |
| 19 | 2026-10 | 1594.67 | 227.87 | 1366.81 | 94577.11 |
| 20 | 2026-11 | 1594.67 | 224.62 | 1370.05 | 93207.05 |
| 21 | 2026-12 | 1594.67 | 221.37 | 1373.31 | 91833.75 |
| 22 | 2027-01 | 1594.67 | 218.11 | 1376.57 | 90457.18 |
| 23 | 2027-02 | 1594.67 | 214.84 | 1379.84 | 89077.34 |
| 24 | 2027-03 | 1594.67 | 211.56 | 1383.11 | 87694.23 |
| 25 | 2027-04 | 1594.67 | 208.27 | 1386.40 | 86307.83 |
| 26 | 2027-05 | 1594.67 | 204.98 | 1389.69 | 84918.14 |
| 27 | 2027-06 | 1594.67 | 201.68 | 1392.99 | 83525.15 |
| 28 | 2027-07 | 1594.67 | 198.37 | 1396.30 | 82128.85 |
| 29 | 2027-08 | 1594.67 | 195.06 | 1399.62 | 80729.23 |
| 30 | 2027-09 | 1594.67 | 191.73 | 1402.94 | 79326.29 |
| 31 | 2027-10 | 1594.67 | 188.40 | 1406.27 | 77920.02 |
| 32 | 2027-11 | 1594.67 | 185.06 | 1409.61 | 76510.41 |
| 33 | 2027-12 | 1594.67 | 181.71 | 1412.96 | 75097.45 |
| 34 | 2028-01 | 1594.67 | 178.36 | 1416.32 | 73681.13 |
| 35 | 2028-02 | 1594.67 | 174.99 | 1419.68 | 72261.45 |
| 36 | 2028-03 | 1594.67 | 171.62 | 1423.05 | 70838.40 |
| 37 | 2028-04 | 1594.67 | 168.24 | 1426.43 | 69411.97 |
| 38 | 2028-05 | 1594.67 | 164.85 | 1429.82 | 67982.15 |
| 39 | 2028-06 | 1594.67 | 161.46 | 1433.21 | 66548.93 |
| 40 | 2028-07 | 1594.67 | 158.05 | 1436.62 | 65112.31 |
| 41 | 2028-08 | 1594.67 | 154.64 | 1440.03 | 63672.28 |
| 42 | 2028-09 | 1594.67 | 151.22 | 1443.45 | 62228.83 |
| 43 | 2028-10 | 1594.67 | 147.79 | 1446.88 | 60781.95 |
| 44 | 2028-11 | 1594.67 | 144.36 | 1450.32 | 59331.64 |
| 45 | 2028-12 | 1594.67 | 140.91 | 1453.76 | 57877.88 |
| 46 | 2029-01 | 1594.67 | 137.46 | 1457.21 | 56420.67 |
| 47 | 2029-02 | 1594.67 | 134.00 | 1460.67 | 54959.99 |
| 48 | 2029-03 | 1594.67 | 130.53 | 1464.14 | 53495.85 |
| 49 | 2029-04 | 1594.67 | 127.05 | 1467.62 | 52028.23 |
| 50 | 2029-05 | 1594.67 | 123.57 | 1471.11 | 50557.13 |
| 51 | 2029-06 | 1594.67 | 120.07 | 1474.60 | 49082.53 |
| 52 | 2029-07 | 1594.67 | 116.57 | 1478.10 | 47604.42 |
| 53 | 2029-08 | 1594.67 | 113.06 | 1481.61 | 46122.81 |
| 54 | 2029-09 | 1594.67 | 109.54 | 1485.13 | 44637.68 |
| 55 | 2029-10 | 1594.67 | 106.01 | 1488.66 | 43149.02 |
| 56 | 2029-11 | 1594.67 | 102.48 | 1492.19 | 41656.83 |
| 57 | 2029-12 | 1594.67 | 98.93 | 1495.74 | 40161.09 |
| 58 | 2030-01 | 1594.67 | 95.38 | 1499.29 | 38661.80 |
| 59 | 2030-02 | 1594.67 | 91.82 | 1502.85 | 37158.95 |
| 60 | 2030-03 | 1594.67 | 88.25 | 1506.42 | 35652.53 |
| 61 | 2030-04 | 1594.67 | 84.67 | 1510.00 | 34142.53 |
| 62 | 2030-05 | 1594.67 | 81.09 | 1513.58 | 32628.95 |
| 63 | 2030-06 | 1594.67 | 77.49 | 1517.18 | 31111.77 |
| 64 | 2030-07 | 1594.67 | 73.89 | 1520.78 | 29590.99 |
| 65 | 2030-08 | 1594.67 | 70.28 | 1524.39 | 28066.60 |
| 66 | 2030-09 | 1594.67 | 66.66 | 1528.01 | 26538.58 |
| 67 | 2030-10 | 1594.67 | 63.03 | 1531.64 | 25006.94 |
| 68 | 2030-11 | 1594.67 | 59.39 | 1535.28 | 23471.66 |
| 69 | 2030-12 | 1594.67 | 55.75 | 1538.93 | 21932.73 |
| 70 | 2031-01 | 1594.67 | 52.09 | 1542.58 | 20390.15 |
| 71 | 2031-02 | 1594.67 | 48.43 | 1546.25 | 18843.90 |
| 72 | 2031-03 | 1594.67 | 44.75 | 1549.92 | 17293.98 |
| 73 | 2031-04 | 1594.67 | 41.07 | 1553.60 | 15740.38 |
| 74 | 2031-05 | 1594.67 | 37.38 | 1557.29 | 14183.10 |
| 75 | 2031-06 | 1594.67 | 33.68 | 1560.99 | 12622.11 |
| 76 | 2031-07 | 1594.67 | 29.98 | 1564.69 | 11057.41 |
| 77 | 2031-08 | 1594.67 | 26.26 | 1568.41 | 9489.00 |
| 78 | 2031-09 | 1594.67 | 22.54 | 1572.14 | 7916.87 |
| 79 | 2031-10 | 1594.67 | 18.80 | 1575.87 | 6341.00 |
| 80 | 2031-11 | 1594.67 | 15.06 | 1579.61 | 4761.38 |
| 81 | 2031-12 | 1594.67 | 11.31 | 1583.36 | 3178.02 |
| 82 | 2032-01 | 1594.67 | 7.55 | 1587.12 | 1590.89 |
| 83 | 2032-02 | 1594.67 | 3.78 | 1590.89 | 0.00 |
等额本金还款方式：
贷款总额：12万
还款月数：6年11个月
首月还款：1730.78元
每月递减：3.43元
利息总额：1.2万
本息合计：13.2万
节省利息：387.82元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-04 | 1730.78 | 285.00 | 1445.78 | 118554.22 |
| 2 | 2025-05 | 1727.35 | 281.57 | 1445.78 | 117108.43 |
| 3 | 2025-06 | 1723.92 | 278.13 | 1445.78 | 115662.65 |
| 4 | 2025-07 | 1720.48 | 274.70 | 1445.78 | 114216.87 |
| 5 | 2025-08 | 1717.05 | 271.27 | 1445.78 | 112771.08 |
| 6 | 2025-09 | 1713.61 | 267.83 | 1445.78 | 111325.30 |
| 7 | 2025-10 | 1710.18 | 264.40 | 1445.78 | 109879.52 |
| 8 | 2025-11 | 1706.75 | 260.96 | 1445.78 | 108433.73 |
| 9 | 2025-12 | 1703.31 | 257.53 | 1445.78 | 106987.95 |
| 10 | 2026-01 | 1699.88 | 254.10 | 1445.78 | 105542.17 |
| 11 | 2026-02 | 1696.45 | 250.66 | 1445.78 | 104096.39 |
| 12 | 2026-03 | 1693.01 | 247.23 | 1445.78 | 102650.60 |
| 13 | 2026-04 | 1689.58 | 243.80 | 1445.78 | 101204.82 |
| 14 | 2026-05 | 1686.14 | 240.36 | 1445.78 | 99759.04 |
| 15 | 2026-06 | 1682.71 | 236.93 | 1445.78 | 98313.25 |
| 16 | 2026-07 | 1679.28 | 233.49 | 1445.78 | 96867.47 |
| 17 | 2026-08 | 1675.84 | 230.06 | 1445.78 | 95421.69 |
| 18 | 2026-09 | 1672.41 | 226.63 | 1445.78 | 93975.90 |
| 19 | 2026-10 | 1668.98 | 223.19 | 1445.78 | 92530.12 |
| 20 | 2026-11 | 1665.54 | 219.76 | 1445.78 | 91084.34 |
| 21 | 2026-12 | 1662.11 | 216.33 | 1445.78 | 89638.55 |
| 22 | 2027-01 | 1658.67 | 212.89 | 1445.78 | 88192.77 |
| 23 | 2027-02 | 1655.24 | 209.46 | 1445.78 | 86746.99 |
| 24 | 2027-03 | 1651.81 | 206.02 | 1445.78 | 85301.20 |
| 25 | 2027-04 | 1648.37 | 202.59 | 1445.78 | 83855.42 |
| 26 | 2027-05 | 1644.94 | 199.16 | 1445.78 | 82409.64 |
| 27 | 2027-06 | 1641.51 | 195.72 | 1445.78 | 80963.86 |
| 28 | 2027-07 | 1638.07 | 192.29 | 1445.78 | 79518.07 |
| 29 | 2027-08 | 1634.64 | 188.86 | 1445.78 | 78072.29 |
| 30 | 2027-09 | 1631.20 | 185.42 | 1445.78 | 76626.51 |
| 31 | 2027-10 | 1627.77 | 181.99 | 1445.78 | 75180.72 |
| 32 | 2027-11 | 1624.34 | 178.55 | 1445.78 | 73734.94 |
| 33 | 2027-12 | 1620.90 | 175.12 | 1445.78 | 72289.16 |
| 34 | 2028-01 | 1617.47 | 171.69 | 1445.78 | 70843.37 |
| 35 | 2028-02 | 1614.04 | 168.25 | 1445.78 | 69397.59 |
| 36 | 2028-03 | 1610.60 | 164.82 | 1445.78 | 67951.81 |
| 37 | 2028-04 | 1607.17 | 161.39 | 1445.78 | 66506.02 |
| 38 | 2028-05 | 1603.73 | 157.95 | 1445.78 | 65060.24 |
| 39 | 2028-06 | 1600.30 | 154.52 | 1445.78 | 63614.46 |
| 40 | 2028-07 | 1596.87 | 151.08 | 1445.78 | 62168.67 |
| 41 | 2028-08 | 1593.43 | 147.65 | 1445.78 | 60722.89 |
| 42 | 2028-09 | 1590.00 | 144.22 | 1445.78 | 59277.11 |
| 43 | 2028-10 | 1586.57 | 140.78 | 1445.78 | 57831.33 |
| 44 | 2028-11 | 1583.13 | 137.35 | 1445.78 | 56385.54 |
| 45 | 2028-12 | 1579.70 | 133.92 | 1445.78 | 54939.76 |
| 46 | 2029-01 | 1576.27 | 130.48 | 1445.78 | 53493.98 |
| 47 | 2029-02 | 1572.83 | 127.05 | 1445.78 | 52048.19 |
| 48 | 2029-03 | 1569.40 | 123.61 | 1445.78 | 50602.41 |
| 49 | 2029-04 | 1565.96 | 120.18 | 1445.78 | 49156.63 |
| 50 | 2029-05 | 1562.53 | 116.75 | 1445.78 | 47710.84 |
| 51 | 2029-06 | 1559.10 | 113.31 | 1445.78 | 46265.06 |
| 52 | 2029-07 | 1555.66 | 109.88 | 1445.78 | 44819.28 |
| 53 | 2029-08 | 1552.23 | 106.45 | 1445.78 | 43373.49 |
| 54 | 2029-09 | 1548.80 | 103.01 | 1445.78 | 41927.71 |
| 55 | 2029-10 | 1545.36 | 99.58 | 1445.78 | 40481.93 |
| 56 | 2029-11 | 1541.93 | 96.14 | 1445.78 | 39036.14 |
| 57 | 2029-12 | 1538.49 | 92.71 | 1445.78 | 37590.36 |
| 58 | 2030-01 | 1535.06 | 89.28 | 1445.78 | 36144.58 |
| 59 | 2030-02 | 1531.63 | 85.84 | 1445.78 | 34698.80 |
| 60 | 2030-03 | 1528.19 | 82.41 | 1445.78 | 33253.01 |
| 61 | 2030-04 | 1524.76 | 78.98 | 1445.78 | 31807.23 |
| 62 | 2030-05 | 1521.33 | 75.54 | 1445.78 | 30361.45 |
| 63 | 2030-06 | 1517.89 | 72.11 | 1445.78 | 28915.66 |
| 64 | 2030-07 | 1514.46 | 68.67 | 1445.78 | 27469.88 |
| 65 | 2030-08 | 1511.02 | 65.24 | 1445.78 | 26024.10 |
| 66 | 2030-09 | 1507.59 | 61.81 | 1445.78 | 24578.31 |
| 67 | 2030-10 | 1504.16 | 58.37 | 1445.78 | 23132.53 |
| 68 | 2030-11 | 1500.72 | 54.94 | 1445.78 | 21686.75 |
| 69 | 2030-12 | 1497.29 | 51.51 | 1445.78 | 20240.96 |
| 70 | 2031-01 | 1493.86 | 48.07 | 1445.78 | 18795.18 |
| 71 | 2031-02 | 1490.42 | 44.64 | 1445.78 | 17349.40 |
| 72 | 2031-03 | 1486.99 | 41.20 | 1445.78 | 15903.61 |
| 73 | 2031-04 | 1483.55 | 37.77 | 1445.78 | 14457.83 |
| 74 | 2031-05 | 1480.12 | 34.34 | 1445.78 | 13012.05 |
| 75 | 2031-06 | 1476.69 | 30.90 | 1445.78 | 11566.27 |
| 76 | 2031-07 | 1473.25 | 27.47 | 1445.78 | 10120.48 |
| 77 | 2031-08 | 1469.82 | 24.04 | 1445.78 | 8674.70 |
| 78 | 2031-09 | 1466.39 | 20.60 | 1445.78 | 7228.92 |
| 79 | 2031-10 | 1462.95 | 17.17 | 1445.78 | 5783.13 |
| 80 | 2031-11 | 1459.52 | 13.73 | 1445.78 | 4337.35 |
| 81 | 2031-12 | 1456.08 | 10.30 | 1445.78 | 2891.57 |
| 82 | 2032-01 | 1452.65 | 6.87 | 1445.78 | 1445.78 |
| 83 | 2032-02 | 1449.22 | 3.43 | 1445.78 | 0.00 |