贷款18.5万（公积金贷款）房贷，还款6年2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：18.5万
还款月数：6年2个月
每月还款：2762.26元
利息总额：1.94万
本息合计：20.44万
| 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 | 2762.26 | 501.04 | 2261.21 | 182738.79 |
| 2 | 2025-05 | 2762.26 | 494.92 | 2267.34 | 180471.45 |
| 3 | 2025-06 | 2762.26 | 488.78 | 2273.48 | 178197.97 |
| 4 | 2025-07 | 2762.26 | 482.62 | 2279.64 | 175918.33 |
| 5 | 2025-08 | 2762.26 | 476.45 | 2285.81 | 173632.52 |
| 6 | 2025-09 | 2762.26 | 470.25 | 2292.00 | 171340.52 |
| 7 | 2025-10 | 2762.26 | 464.05 | 2298.21 | 169042.31 |
| 8 | 2025-11 | 2762.26 | 457.82 | 2304.43 | 166737.88 |
| 9 | 2025-12 | 2762.26 | 451.58 | 2310.67 | 164427.20 |
| 10 | 2026-01 | 2762.26 | 445.32 | 2316.93 | 162110.27 |
| 11 | 2026-02 | 2762.26 | 439.05 | 2323.21 | 159787.06 |
| 12 | 2026-03 | 2762.26 | 432.76 | 2329.50 | 157457.57 |
| 13 | 2026-04 | 2762.26 | 426.45 | 2335.81 | 155121.76 |
| 14 | 2026-05 | 2762.26 | 420.12 | 2342.13 | 152779.62 |
| 15 | 2026-06 | 2762.26 | 413.78 | 2348.48 | 150431.14 |
| 16 | 2026-07 | 2762.26 | 407.42 | 2354.84 | 148076.31 |
| 17 | 2026-08 | 2762.26 | 401.04 | 2361.22 | 145715.09 |
| 18 | 2026-09 | 2762.26 | 394.65 | 2367.61 | 143347.48 |
| 19 | 2026-10 | 2762.26 | 388.23 | 2374.02 | 140973.46 |
| 20 | 2026-11 | 2762.26 | 381.80 | 2380.45 | 138593.00 |
| 21 | 2026-12 | 2762.26 | 375.36 | 2386.90 | 136206.10 |
| 22 | 2027-01 | 2762.26 | 368.89 | 2393.36 | 133812.74 |
| 23 | 2027-02 | 2762.26 | 362.41 | 2399.85 | 131412.89 |
| 24 | 2027-03 | 2762.26 | 355.91 | 2406.35 | 129006.55 |
| 25 | 2027-04 | 2762.26 | 349.39 | 2412.86 | 126593.68 |
| 26 | 2027-05 | 2762.26 | 342.86 | 2419.40 | 124174.29 |
| 27 | 2027-06 | 2762.26 | 336.31 | 2425.95 | 121748.34 |
| 28 | 2027-07 | 2762.26 | 329.74 | 2432.52 | 119315.81 |
| 29 | 2027-08 | 2762.26 | 323.15 | 2439.11 | 116876.71 |
| 30 | 2027-09 | 2762.26 | 316.54 | 2445.71 | 114430.99 |
| 31 | 2027-10 | 2762.26 | 309.92 | 2452.34 | 111978.65 |
| 32 | 2027-11 | 2762.26 | 303.28 | 2458.98 | 109519.67 |
| 33 | 2027-12 | 2762.26 | 296.62 | 2465.64 | 107054.03 |
| 34 | 2028-01 | 2762.26 | 289.94 | 2472.32 | 104581.71 |
| 35 | 2028-02 | 2762.26 | 283.24 | 2479.01 | 102102.70 |
| 36 | 2028-03 | 2762.26 | 276.53 | 2485.73 | 99616.97 |
| 37 | 2028-04 | 2762.26 | 269.80 | 2492.46 | 97124.51 |
| 38 | 2028-05 | 2762.26 | 263.05 | 2499.21 | 94625.30 |
| 39 | 2028-06 | 2762.26 | 256.28 | 2505.98 | 92119.32 |
| 40 | 2028-07 | 2762.26 | 249.49 | 2512.77 | 89606.56 |
| 41 | 2028-08 | 2762.26 | 242.68 | 2519.57 | 87086.98 |
| 42 | 2028-09 | 2762.26 | 235.86 | 2526.40 | 84560.59 |
| 43 | 2028-10 | 2762.26 | 229.02 | 2533.24 | 82027.35 |
| 44 | 2028-11 | 2762.26 | 222.16 | 2540.10 | 79487.25 |
| 45 | 2028-12 | 2762.26 | 215.28 | 2546.98 | 76940.28 |
| 46 | 2029-01 | 2762.26 | 208.38 | 2553.88 | 74386.40 |
| 47 | 2029-02 | 2762.26 | 201.46 | 2560.79 | 71825.61 |
| 48 | 2029-03 | 2762.26 | 194.53 | 2567.73 | 69257.88 |
| 49 | 2029-04 | 2762.26 | 187.57 | 2574.68 | 66683.20 |
| 50 | 2029-05 | 2762.26 | 180.60 | 2581.66 | 64101.54 |
| 51 | 2029-06 | 2762.26 | 173.61 | 2588.65 | 61512.89 |
| 52 | 2029-07 | 2762.26 | 166.60 | 2595.66 | 58917.23 |
| 53 | 2029-08 | 2762.26 | 159.57 | 2602.69 | 56314.55 |
| 54 | 2029-09 | 2762.26 | 152.52 | 2609.74 | 53704.81 |
| 55 | 2029-10 | 2762.26 | 145.45 | 2616.81 | 51088.00 |
| 56 | 2029-11 | 2762.26 | 138.36 | 2623.89 | 48464.11 |
| 57 | 2029-12 | 2762.26 | 131.26 | 2631.00 | 45833.11 |
| 58 | 2030-01 | 2762.26 | 124.13 | 2638.12 | 43194.99 |
| 59 | 2030-02 | 2762.26 | 116.99 | 2645.27 | 40549.72 |
| 60 | 2030-03 | 2762.26 | 109.82 | 2652.43 | 37897.28 |
| 61 | 2030-04 | 2762.26 | 102.64 | 2659.62 | 35237.67 |
| 62 | 2030-05 | 2762.26 | 95.44 | 2666.82 | 32570.85 |
| 63 | 2030-06 | 2762.26 | 88.21 | 2674.04 | 29896.80 |
| 64 | 2030-07 | 2762.26 | 80.97 | 2681.29 | 27215.52 |
| 65 | 2030-08 | 2762.26 | 73.71 | 2688.55 | 24526.97 |
| 66 | 2030-09 | 2762.26 | 66.43 | 2695.83 | 21831.14 |
| 67 | 2030-10 | 2762.26 | 59.13 | 2703.13 | 19128.01 |
| 68 | 2030-11 | 2762.26 | 51.81 | 2710.45 | 16417.56 |
| 69 | 2030-12 | 2762.26 | 44.46 | 2717.79 | 13699.77 |
| 70 | 2031-01 | 2762.26 | 37.10 | 2725.15 | 10974.62 |
| 71 | 2031-02 | 2762.26 | 29.72 | 2732.53 | 8242.08 |
| 72 | 2031-03 | 2762.26 | 22.32 | 2739.93 | 5502.15 |
| 73 | 2031-04 | 2762.26 | 14.90 | 2747.35 | 2754.80 |
| 74 | 2031-05 | 2762.26 | 7.46 | 2754.80 | 0.00 |
等额本金还款方式：
贷款总额：18.5万
还款月数：6年2个月
首月还款：3001.04元
每月递减：6.77元
利息总额：1.88万
本息合计：20.38万
节省利息：617.88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 | 3001.04 | 501.04 | 2500.00 | 182500.00 |
| 2 | 2025-05 | 2994.27 | 494.27 | 2500.00 | 180000.00 |
| 3 | 2025-06 | 2987.50 | 487.50 | 2500.00 | 177500.00 |
| 4 | 2025-07 | 2980.73 | 480.73 | 2500.00 | 175000.00 |
| 5 | 2025-08 | 2973.96 | 473.96 | 2500.00 | 172500.00 |
| 6 | 2025-09 | 2967.19 | 467.19 | 2500.00 | 170000.00 |
| 7 | 2025-10 | 2960.42 | 460.42 | 2500.00 | 167500.00 |
| 8 | 2025-11 | 2953.65 | 453.65 | 2500.00 | 165000.00 |
| 9 | 2025-12 | 2946.88 | 446.88 | 2500.00 | 162500.00 |
| 10 | 2026-01 | 2940.10 | 440.10 | 2500.00 | 160000.00 |
| 11 | 2026-02 | 2933.33 | 433.33 | 2500.00 | 157500.00 |
| 12 | 2026-03 | 2926.56 | 426.56 | 2500.00 | 155000.00 |
| 13 | 2026-04 | 2919.79 | 419.79 | 2500.00 | 152500.00 |
| 14 | 2026-05 | 2913.02 | 413.02 | 2500.00 | 150000.00 |
| 15 | 2026-06 | 2906.25 | 406.25 | 2500.00 | 147500.00 |
| 16 | 2026-07 | 2899.48 | 399.48 | 2500.00 | 145000.00 |
| 17 | 2026-08 | 2892.71 | 392.71 | 2500.00 | 142500.00 |
| 18 | 2026-09 | 2885.94 | 385.94 | 2500.00 | 140000.00 |
| 19 | 2026-10 | 2879.17 | 379.17 | 2500.00 | 137500.00 |
| 20 | 2026-11 | 2872.40 | 372.40 | 2500.00 | 135000.00 |
| 21 | 2026-12 | 2865.63 | 365.63 | 2500.00 | 132500.00 |
| 22 | 2027-01 | 2858.85 | 358.85 | 2500.00 | 130000.00 |
| 23 | 2027-02 | 2852.08 | 352.08 | 2500.00 | 127500.00 |
| 24 | 2027-03 | 2845.31 | 345.31 | 2500.00 | 125000.00 |
| 25 | 2027-04 | 2838.54 | 338.54 | 2500.00 | 122500.00 |
| 26 | 2027-05 | 2831.77 | 331.77 | 2500.00 | 120000.00 |
| 27 | 2027-06 | 2825.00 | 325.00 | 2500.00 | 117500.00 |
| 28 | 2027-07 | 2818.23 | 318.23 | 2500.00 | 115000.00 |
| 29 | 2027-08 | 2811.46 | 311.46 | 2500.00 | 112500.00 |
| 30 | 2027-09 | 2804.69 | 304.69 | 2500.00 | 110000.00 |
| 31 | 2027-10 | 2797.92 | 297.92 | 2500.00 | 107500.00 |
| 32 | 2027-11 | 2791.15 | 291.15 | 2500.00 | 105000.00 |
| 33 | 2027-12 | 2784.38 | 284.38 | 2500.00 | 102500.00 |
| 34 | 2028-01 | 2777.60 | 277.60 | 2500.00 | 100000.00 |
| 35 | 2028-02 | 2770.83 | 270.83 | 2500.00 | 97500.00 |
| 36 | 2028-03 | 2764.06 | 264.06 | 2500.00 | 95000.00 |
| 37 | 2028-04 | 2757.29 | 257.29 | 2500.00 | 92500.00 |
| 38 | 2028-05 | 2750.52 | 250.52 | 2500.00 | 90000.00 |
| 39 | 2028-06 | 2743.75 | 243.75 | 2500.00 | 87500.00 |
| 40 | 2028-07 | 2736.98 | 236.98 | 2500.00 | 85000.00 |
| 41 | 2028-08 | 2730.21 | 230.21 | 2500.00 | 82500.00 |
| 42 | 2028-09 | 2723.44 | 223.44 | 2500.00 | 80000.00 |
| 43 | 2028-10 | 2716.67 | 216.67 | 2500.00 | 77500.00 |
| 44 | 2028-11 | 2709.90 | 209.90 | 2500.00 | 75000.00 |
| 45 | 2028-12 | 2703.13 | 203.13 | 2500.00 | 72500.00 |
| 46 | 2029-01 | 2696.35 | 196.35 | 2500.00 | 70000.00 |
| 47 | 2029-02 | 2689.58 | 189.58 | 2500.00 | 67500.00 |
| 48 | 2029-03 | 2682.81 | 182.81 | 2500.00 | 65000.00 |
| 49 | 2029-04 | 2676.04 | 176.04 | 2500.00 | 62500.00 |
| 50 | 2029-05 | 2669.27 | 169.27 | 2500.00 | 60000.00 |
| 51 | 2029-06 | 2662.50 | 162.50 | 2500.00 | 57500.00 |
| 52 | 2029-07 | 2655.73 | 155.73 | 2500.00 | 55000.00 |
| 53 | 2029-08 | 2648.96 | 148.96 | 2500.00 | 52500.00 |
| 54 | 2029-09 | 2642.19 | 142.19 | 2500.00 | 50000.00 |
| 55 | 2029-10 | 2635.42 | 135.42 | 2500.00 | 47500.00 |
| 56 | 2029-11 | 2628.65 | 128.65 | 2500.00 | 45000.00 |
| 57 | 2029-12 | 2621.88 | 121.88 | 2500.00 | 42500.00 |
| 58 | 2030-01 | 2615.10 | 115.10 | 2500.00 | 40000.00 |
| 59 | 2030-02 | 2608.33 | 108.33 | 2500.00 | 37500.00 |
| 60 | 2030-03 | 2601.56 | 101.56 | 2500.00 | 35000.00 |
| 61 | 2030-04 | 2594.79 | 94.79 | 2500.00 | 32500.00 |
| 62 | 2030-05 | 2588.02 | 88.02 | 2500.00 | 30000.00 |
| 63 | 2030-06 | 2581.25 | 81.25 | 2500.00 | 27500.00 |
| 64 | 2030-07 | 2574.48 | 74.48 | 2500.00 | 25000.00 |
| 65 | 2030-08 | 2567.71 | 67.71 | 2500.00 | 22500.00 |
| 66 | 2030-09 | 2560.94 | 60.94 | 2500.00 | 20000.00 |
| 67 | 2030-10 | 2554.17 | 54.17 | 2500.00 | 17500.00 |
| 68 | 2030-11 | 2547.40 | 47.40 | 2500.00 | 15000.00 |
| 69 | 2030-12 | 2540.63 | 40.63 | 2500.00 | 12500.00 |
| 70 | 2031-01 | 2533.85 | 33.85 | 2500.00 | 10000.00 |
| 71 | 2031-02 | 2527.08 | 27.08 | 2500.00 | 7500.00 |
| 72 | 2031-03 | 2520.31 | 20.31 | 2500.00 | 5000.00 |
| 73 | 2031-04 | 2513.54 | 13.54 | 2500.00 | 2500.00 |
| 74 | 2031-05 | 2506.77 | 6.77 | 2500.00 | 0.00 |