贷款18.5万（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：18.5万
还款月数：6年
每月还款：2831.57元
利息总额：1.89万
本息合计：20.39万
| 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 | 2831.57 | 501.04 | 2330.53 | 182669.47 |
| 2 | 2025-05 | 2831.57 | 494.73 | 2336.84 | 180332.63 |
| 3 | 2025-06 | 2831.57 | 488.40 | 2343.17 | 177989.47 |
| 4 | 2025-07 | 2831.57 | 482.05 | 2349.51 | 175639.95 |
| 5 | 2025-08 | 2831.57 | 475.69 | 2355.88 | 173284.07 |
| 6 | 2025-09 | 2831.57 | 469.31 | 2362.26 | 170921.82 |
| 7 | 2025-10 | 2831.57 | 462.91 | 2368.66 | 168553.16 |
| 8 | 2025-11 | 2831.57 | 456.50 | 2375.07 | 166178.09 |
| 9 | 2025-12 | 2831.57 | 450.07 | 2381.50 | 163796.59 |
| 10 | 2026-01 | 2831.57 | 443.62 | 2387.95 | 161408.63 |
| 11 | 2026-02 | 2831.57 | 437.15 | 2394.42 | 159014.21 |
| 12 | 2026-03 | 2831.57 | 430.66 | 2400.91 | 156613.31 |
| 13 | 2026-04 | 2831.57 | 424.16 | 2407.41 | 154205.90 |
| 14 | 2026-05 | 2831.57 | 417.64 | 2413.93 | 151791.97 |
| 15 | 2026-06 | 2831.57 | 411.10 | 2420.47 | 149371.51 |
| 16 | 2026-07 | 2831.57 | 404.55 | 2427.02 | 146944.48 |
| 17 | 2026-08 | 2831.57 | 397.97 | 2433.59 | 144510.89 |
| 18 | 2026-09 | 2831.57 | 391.38 | 2440.19 | 142070.70 |
| 19 | 2026-10 | 2831.57 | 384.77 | 2446.79 | 139623.91 |
| 20 | 2026-11 | 2831.57 | 378.15 | 2453.42 | 137170.49 |
| 21 | 2026-12 | 2831.57 | 371.50 | 2460.07 | 134710.42 |
| 22 | 2027-01 | 2831.57 | 364.84 | 2466.73 | 132243.70 |
| 23 | 2027-02 | 2831.57 | 358.16 | 2473.41 | 129770.29 |
| 24 | 2027-03 | 2831.57 | 351.46 | 2480.11 | 127290.18 |
| 25 | 2027-04 | 2831.57 | 344.74 | 2486.82 | 124803.35 |
| 26 | 2027-05 | 2831.57 | 338.01 | 2493.56 | 122309.79 |
| 27 | 2027-06 | 2831.57 | 331.26 | 2500.31 | 119809.48 |
| 28 | 2027-07 | 2831.57 | 324.48 | 2507.08 | 117302.40 |
| 29 | 2027-08 | 2831.57 | 317.69 | 2513.87 | 114788.52 |
| 30 | 2027-09 | 2831.57 | 310.89 | 2520.68 | 112267.84 |
| 31 | 2027-10 | 2831.57 | 304.06 | 2527.51 | 109740.33 |
| 32 | 2027-11 | 2831.57 | 297.21 | 2534.36 | 107205.97 |
| 33 | 2027-12 | 2831.57 | 290.35 | 2541.22 | 104664.75 |
| 34 | 2028-01 | 2831.57 | 283.47 | 2548.10 | 102116.65 |
| 35 | 2028-02 | 2831.57 | 276.57 | 2555.00 | 99561.65 |
| 36 | 2028-03 | 2831.57 | 269.65 | 2561.92 | 96999.73 |
| 37 | 2028-04 | 2831.57 | 262.71 | 2568.86 | 94430.86 |
| 38 | 2028-05 | 2831.57 | 255.75 | 2575.82 | 91855.05 |
| 39 | 2028-06 | 2831.57 | 248.77 | 2582.79 | 89272.25 |
| 40 | 2028-07 | 2831.57 | 241.78 | 2589.79 | 86682.46 |
| 41 | 2028-08 | 2831.57 | 234.76 | 2596.80 | 84085.66 |
| 42 | 2028-09 | 2831.57 | 227.73 | 2603.84 | 81481.82 |
| 43 | 2028-10 | 2831.57 | 220.68 | 2610.89 | 78870.93 |
| 44 | 2028-11 | 2831.57 | 213.61 | 2617.96 | 76252.97 |
| 45 | 2028-12 | 2831.57 | 206.52 | 2625.05 | 73627.92 |
| 46 | 2029-01 | 2831.57 | 199.41 | 2632.16 | 70995.76 |
| 47 | 2029-02 | 2831.57 | 192.28 | 2639.29 | 68356.47 |
| 48 | 2029-03 | 2831.57 | 185.13 | 2646.44 | 65710.03 |
| 49 | 2029-04 | 2831.57 | 177.96 | 2653.60 | 63056.43 |
| 50 | 2029-05 | 2831.57 | 170.78 | 2660.79 | 60395.64 |
| 51 | 2029-06 | 2831.57 | 163.57 | 2668.00 | 57727.64 |
| 52 | 2029-07 | 2831.57 | 156.35 | 2675.22 | 55052.42 |
| 53 | 2029-08 | 2831.57 | 149.10 | 2682.47 | 52369.95 |
| 54 | 2029-09 | 2831.57 | 141.84 | 2689.73 | 49680.22 |
| 55 | 2029-10 | 2831.57 | 134.55 | 2697.02 | 46983.20 |
| 56 | 2029-11 | 2831.57 | 127.25 | 2704.32 | 44278.87 |
| 57 | 2029-12 | 2831.57 | 119.92 | 2711.65 | 41567.23 |
| 58 | 2030-01 | 2831.57 | 112.58 | 2718.99 | 38848.24 |
| 59 | 2030-02 | 2831.57 | 105.21 | 2726.35 | 36121.88 |
| 60 | 2030-03 | 2831.57 | 97.83 | 2733.74 | 33388.14 |
| 61 | 2030-04 | 2831.57 | 90.43 | 2741.14 | 30647.00 |
| 62 | 2030-05 | 2831.57 | 83.00 | 2748.57 | 27898.43 |
| 63 | 2030-06 | 2831.57 | 75.56 | 2756.01 | 25142.42 |
| 64 | 2030-07 | 2831.57 | 68.09 | 2763.47 | 22378.95 |
| 65 | 2030-08 | 2831.57 | 60.61 | 2770.96 | 19607.99 |
| 66 | 2030-09 | 2831.57 | 53.10 | 2778.46 | 16829.52 |
| 67 | 2030-10 | 2831.57 | 45.58 | 2785.99 | 14043.54 |
| 68 | 2030-11 | 2831.57 | 38.03 | 2793.53 | 11250.00 |
| 69 | 2030-12 | 2831.57 | 30.47 | 2801.10 | 8448.90 |
| 70 | 2031-01 | 2831.57 | 22.88 | 2808.69 | 5640.21 |
| 71 | 2031-02 | 2831.57 | 15.28 | 2816.29 | 2823.92 |
| 72 | 2031-03 | 2831.57 | 7.65 | 2823.92 | 0.00 |
等额本金还款方式：
贷款总额：18.5万
还款月数：6年
首月还款：3070.49元
每月递减：6.96元
利息总额：1.83万
本息合计：20.33万
节省利息：584.94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 | 3070.49 | 501.04 | 2569.44 | 182430.56 |
| 2 | 2025-05 | 3063.53 | 494.08 | 2569.44 | 179861.11 |
| 3 | 2025-06 | 3056.57 | 487.12 | 2569.44 | 177291.67 |
| 4 | 2025-07 | 3049.61 | 480.16 | 2569.44 | 174722.22 |
| 5 | 2025-08 | 3042.65 | 473.21 | 2569.44 | 172152.78 |
| 6 | 2025-09 | 3035.69 | 466.25 | 2569.44 | 169583.33 |
| 7 | 2025-10 | 3028.73 | 459.29 | 2569.44 | 167013.89 |
| 8 | 2025-11 | 3021.77 | 452.33 | 2569.44 | 164444.44 |
| 9 | 2025-12 | 3014.81 | 445.37 | 2569.44 | 161875.00 |
| 10 | 2026-01 | 3007.86 | 438.41 | 2569.44 | 159305.56 |
| 11 | 2026-02 | 3000.90 | 431.45 | 2569.44 | 156736.11 |
| 12 | 2026-03 | 2993.94 | 424.49 | 2569.44 | 154166.67 |
| 13 | 2026-04 | 2986.98 | 417.53 | 2569.44 | 151597.22 |
| 14 | 2026-05 | 2980.02 | 410.58 | 2569.44 | 149027.78 |
| 15 | 2026-06 | 2973.06 | 403.62 | 2569.44 | 146458.33 |
| 16 | 2026-07 | 2966.10 | 396.66 | 2569.44 | 143888.89 |
| 17 | 2026-08 | 2959.14 | 389.70 | 2569.44 | 141319.44 |
| 18 | 2026-09 | 2952.18 | 382.74 | 2569.44 | 138750.00 |
| 19 | 2026-10 | 2945.23 | 375.78 | 2569.44 | 136180.56 |
| 20 | 2026-11 | 2938.27 | 368.82 | 2569.44 | 133611.11 |
| 21 | 2026-12 | 2931.31 | 361.86 | 2569.44 | 131041.67 |
| 22 | 2027-01 | 2924.35 | 354.90 | 2569.44 | 128472.22 |
| 23 | 2027-02 | 2917.39 | 347.95 | 2569.44 | 125902.78 |
| 24 | 2027-03 | 2910.43 | 340.99 | 2569.44 | 123333.33 |
| 25 | 2027-04 | 2903.47 | 334.03 | 2569.44 | 120763.89 |
| 26 | 2027-05 | 2896.51 | 327.07 | 2569.44 | 118194.44 |
| 27 | 2027-06 | 2889.55 | 320.11 | 2569.44 | 115625.00 |
| 28 | 2027-07 | 2882.60 | 313.15 | 2569.44 | 113055.56 |
| 29 | 2027-08 | 2875.64 | 306.19 | 2569.44 | 110486.11 |
| 30 | 2027-09 | 2868.68 | 299.23 | 2569.44 | 107916.67 |
| 31 | 2027-10 | 2861.72 | 292.27 | 2569.44 | 105347.22 |
| 32 | 2027-11 | 2854.76 | 285.32 | 2569.44 | 102777.78 |
| 33 | 2027-12 | 2847.80 | 278.36 | 2569.44 | 100208.33 |
| 34 | 2028-01 | 2840.84 | 271.40 | 2569.44 | 97638.89 |
| 35 | 2028-02 | 2833.88 | 264.44 | 2569.44 | 95069.44 |
| 36 | 2028-03 | 2826.92 | 257.48 | 2569.44 | 92500.00 |
| 37 | 2028-04 | 2819.97 | 250.52 | 2569.44 | 89930.56 |
| 38 | 2028-05 | 2813.01 | 243.56 | 2569.44 | 87361.11 |
| 39 | 2028-06 | 2806.05 | 236.60 | 2569.44 | 84791.67 |
| 40 | 2028-07 | 2799.09 | 229.64 | 2569.44 | 82222.22 |
| 41 | 2028-08 | 2792.13 | 222.69 | 2569.44 | 79652.78 |
| 42 | 2028-09 | 2785.17 | 215.73 | 2569.44 | 77083.33 |
| 43 | 2028-10 | 2778.21 | 208.77 | 2569.44 | 74513.89 |
| 44 | 2028-11 | 2771.25 | 201.81 | 2569.44 | 71944.44 |
| 45 | 2028-12 | 2764.29 | 194.85 | 2569.44 | 69375.00 |
| 46 | 2029-01 | 2757.34 | 187.89 | 2569.44 | 66805.56 |
| 47 | 2029-02 | 2750.38 | 180.93 | 2569.44 | 64236.11 |
| 48 | 2029-03 | 2743.42 | 173.97 | 2569.44 | 61666.67 |
| 49 | 2029-04 | 2736.46 | 167.01 | 2569.44 | 59097.22 |
| 50 | 2029-05 | 2729.50 | 160.05 | 2569.44 | 56527.78 |
| 51 | 2029-06 | 2722.54 | 153.10 | 2569.44 | 53958.33 |
| 52 | 2029-07 | 2715.58 | 146.14 | 2569.44 | 51388.89 |
| 53 | 2029-08 | 2708.62 | 139.18 | 2569.44 | 48819.44 |
| 54 | 2029-09 | 2701.66 | 132.22 | 2569.44 | 46250.00 |
| 55 | 2029-10 | 2694.70 | 125.26 | 2569.44 | 43680.56 |
| 56 | 2029-11 | 2687.75 | 118.30 | 2569.44 | 41111.11 |
| 57 | 2029-12 | 2680.79 | 111.34 | 2569.44 | 38541.67 |
| 58 | 2030-01 | 2673.83 | 104.38 | 2569.44 | 35972.22 |
| 59 | 2030-02 | 2666.87 | 97.42 | 2569.44 | 33402.78 |
| 60 | 2030-03 | 2659.91 | 90.47 | 2569.44 | 30833.33 |
| 61 | 2030-04 | 2652.95 | 83.51 | 2569.44 | 28263.89 |
| 62 | 2030-05 | 2645.99 | 76.55 | 2569.44 | 25694.44 |
| 63 | 2030-06 | 2639.03 | 69.59 | 2569.44 | 23125.00 |
| 64 | 2030-07 | 2632.07 | 62.63 | 2569.44 | 20555.56 |
| 65 | 2030-08 | 2625.12 | 55.67 | 2569.44 | 17986.11 |
| 66 | 2030-09 | 2618.16 | 48.71 | 2569.44 | 15416.67 |
| 67 | 2030-10 | 2611.20 | 41.75 | 2569.44 | 12847.22 |
| 68 | 2030-11 | 2604.24 | 34.79 | 2569.44 | 10277.78 |
| 69 | 2030-12 | 2597.28 | 27.84 | 2569.44 | 7708.33 |
| 70 | 2031-01 | 2590.32 | 20.88 | 2569.44 | 5138.89 |
| 71 | 2031-02 | 2583.36 | 13.92 | 2569.44 | 2569.44 |
| 72 | 2031-03 | 2576.40 | 6.96 | 2569.44 | 0.00 |