贷款8万（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：8万
还款月数：8年
每月还款：947.48元
利息总额：1.1万
本息合计：9.1万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 947.48 | 216.67 | 730.81 | 79269.19 |
| 2 | 2024-05 | 947.48 | 214.69 | 732.79 | 78536.40 |
| 3 | 2024-06 | 947.48 | 212.70 | 734.77 | 77801.62 |
| 4 | 2024-07 | 947.48 | 210.71 | 736.76 | 77064.86 |
| 5 | 2024-08 | 947.48 | 208.72 | 738.76 | 76326.10 |
| 6 | 2024-09 | 947.48 | 206.72 | 740.76 | 75585.34 |
| 7 | 2024-10 | 947.48 | 204.71 | 742.77 | 74842.57 |
| 8 | 2024-11 | 947.48 | 202.70 | 744.78 | 74097.79 |
| 9 | 2024-12 | 947.48 | 200.68 | 746.80 | 73351.00 |
| 10 | 2025-01 | 947.48 | 198.66 | 748.82 | 72602.18 |
| 11 | 2025-02 | 947.48 | 196.63 | 750.85 | 71851.33 |
| 12 | 2025-03 | 947.48 | 194.60 | 752.88 | 71098.45 |
| 13 | 2025-04 | 947.48 | 192.56 | 754.92 | 70343.53 |
| 14 | 2025-05 | 947.48 | 190.51 | 756.96 | 69586.57 |
| 15 | 2025-06 | 947.48 | 188.46 | 759.01 | 68827.55 |
| 16 | 2025-07 | 947.48 | 186.41 | 761.07 | 68066.49 |
| 17 | 2025-08 | 947.48 | 184.35 | 763.13 | 67303.35 |
| 18 | 2025-09 | 947.48 | 182.28 | 765.20 | 66538.16 |
| 19 | 2025-10 | 947.48 | 180.21 | 767.27 | 65770.89 |
| 20 | 2025-11 | 947.48 | 178.13 | 769.35 | 65001.54 |
| 21 | 2025-12 | 947.48 | 176.05 | 771.43 | 64230.11 |
| 22 | 2026-01 | 947.48 | 173.96 | 773.52 | 63456.59 |
| 23 | 2026-02 | 947.48 | 171.86 | 775.62 | 62680.97 |
| 24 | 2026-03 | 947.48 | 169.76 | 777.72 | 61903.25 |
| 25 | 2026-04 | 947.48 | 167.65 | 779.82 | 61123.43 |
| 26 | 2026-05 | 947.48 | 165.54 | 781.93 | 60341.50 |
| 27 | 2026-06 | 947.48 | 163.42 | 784.05 | 59557.44 |
| 28 | 2026-07 | 947.48 | 161.30 | 786.18 | 58771.27 |
| 29 | 2026-08 | 947.48 | 159.17 | 788.31 | 57982.96 |
| 30 | 2026-09 | 947.48 | 157.04 | 790.44 | 57192.52 |
| 31 | 2026-10 | 947.48 | 154.90 | 792.58 | 56399.94 |
| 32 | 2026-11 | 947.48 | 152.75 | 794.73 | 55605.21 |
| 33 | 2026-12 | 947.48 | 150.60 | 796.88 | 54808.33 |
| 34 | 2027-01 | 947.48 | 148.44 | 799.04 | 54009.30 |
| 35 | 2027-02 | 947.48 | 146.28 | 801.20 | 53208.09 |
| 36 | 2027-03 | 947.48 | 144.11 | 803.37 | 52404.72 |
| 37 | 2027-04 | 947.48 | 141.93 | 805.55 | 51599.17 |
| 38 | 2027-05 | 947.48 | 139.75 | 807.73 | 50791.44 |
| 39 | 2027-06 | 947.48 | 137.56 | 809.92 | 49981.53 |
| 40 | 2027-07 | 947.48 | 135.37 | 812.11 | 49169.41 |
| 41 | 2027-08 | 947.48 | 133.17 | 814.31 | 48355.10 |
| 42 | 2027-09 | 947.48 | 130.96 | 816.52 | 47538.59 |
| 43 | 2027-10 | 947.48 | 128.75 | 818.73 | 46719.86 |
| 44 | 2027-11 | 947.48 | 126.53 | 820.94 | 45898.92 |
| 45 | 2027-12 | 947.48 | 124.31 | 823.17 | 45075.75 |
| 46 | 2028-01 | 947.48 | 122.08 | 825.40 | 44250.35 |
| 47 | 2028-02 | 947.48 | 119.84 | 827.63 | 43422.72 |
| 48 | 2028-03 | 947.48 | 117.60 | 829.87 | 42592.84 |
| 49 | 2028-04 | 947.48 | 115.36 | 832.12 | 41760.72 |
| 50 | 2028-05 | 947.48 | 113.10 | 834.38 | 40926.35 |
| 51 | 2028-06 | 947.48 | 110.84 | 836.64 | 40089.71 |
| 52 | 2028-07 | 947.48 | 108.58 | 838.90 | 39250.81 |
| 53 | 2028-08 | 947.48 | 106.30 | 841.17 | 38409.64 |
| 54 | 2028-09 | 947.48 | 104.03 | 843.45 | 37566.19 |
| 55 | 2028-10 | 947.48 | 101.74 | 845.74 | 36720.45 |
| 56 | 2028-11 | 947.48 | 99.45 | 848.03 | 35872.42 |
| 57 | 2028-12 | 947.48 | 97.15 | 850.32 | 35022.10 |
| 58 | 2029-01 | 947.48 | 94.85 | 852.63 | 34169.48 |
| 59 | 2029-02 | 947.48 | 92.54 | 854.94 | 33314.54 |
| 60 | 2029-03 | 947.48 | 90.23 | 857.25 | 32457.29 |
| 61 | 2029-04 | 947.48 | 87.91 | 859.57 | 31597.72 |
| 62 | 2029-05 | 947.48 | 85.58 | 861.90 | 30735.82 |
| 63 | 2029-06 | 947.48 | 83.24 | 864.23 | 29871.58 |
| 64 | 2029-07 | 947.48 | 80.90 | 866.58 | 29005.01 |
| 65 | 2029-08 | 947.48 | 78.56 | 868.92 | 28136.09 |
| 66 | 2029-09 | 947.48 | 76.20 | 871.28 | 27264.81 |
| 67 | 2029-10 | 947.48 | 73.84 | 873.64 | 26391.17 |
| 68 | 2029-11 | 947.48 | 71.48 | 876.00 | 25515.17 |
| 69 | 2029-12 | 947.48 | 69.10 | 878.37 | 24636.80 |
| 70 | 2030-01 | 947.48 | 66.72 | 880.75 | 23756.05 |
| 71 | 2030-02 | 947.48 | 64.34 | 883.14 | 22872.91 |
| 72 | 2030-03 | 947.48 | 61.95 | 885.53 | 21987.38 |
| 73 | 2030-04 | 947.48 | 59.55 | 887.93 | 21099.45 |
| 74 | 2030-05 | 947.48 | 57.14 | 890.33 | 20209.12 |
| 75 | 2030-06 | 947.48 | 54.73 | 892.74 | 19316.37 |
| 76 | 2030-07 | 947.48 | 52.32 | 895.16 | 18421.21 |
| 77 | 2030-08 | 947.48 | 49.89 | 897.59 | 17523.62 |
| 78 | 2030-09 | 947.48 | 47.46 | 900.02 | 16623.61 |
| 79 | 2030-10 | 947.48 | 45.02 | 902.46 | 15721.15 |
| 80 | 2030-11 | 947.48 | 42.58 | 904.90 | 14816.25 |
| 81 | 2030-12 | 947.48 | 40.13 | 907.35 | 13908.90 |
| 82 | 2031-01 | 947.48 | 37.67 | 909.81 | 12999.09 |
| 83 | 2031-02 | 947.48 | 35.21 | 912.27 | 12086.82 |
| 84 | 2031-03 | 947.48 | 32.74 | 914.74 | 11172.08 |
| 85 | 2031-04 | 947.48 | 30.26 | 917.22 | 10254.86 |
| 86 | 2031-05 | 947.48 | 27.77 | 919.70 | 9335.16 |
| 87 | 2031-06 | 947.48 | 25.28 | 922.19 | 8412.96 |
| 88 | 2031-07 | 947.48 | 22.79 | 924.69 | 7488.27 |
| 89 | 2031-08 | 947.48 | 20.28 | 927.20 | 6561.07 |
| 90 | 2031-09 | 947.48 | 17.77 | 929.71 | 5631.36 |
| 91 | 2031-10 | 947.48 | 15.25 | 932.23 | 4699.14 |
| 92 | 2031-11 | 947.48 | 12.73 | 934.75 | 3764.39 |
| 93 | 2031-12 | 947.48 | 10.20 | 937.28 | 2827.11 |
| 94 | 2032-01 | 947.48 | 7.66 | 939.82 | 1887.28 |
| 95 | 2032-02 | 947.48 | 5.11 | 942.37 | 944.92 |
| 96 | 2032-03 | 947.48 | 2.56 | 944.92 | 0.00 |
等额本金还款方式：
贷款总额：8万
还款月数：8年
首月还款：1050元
每月递减：2.26元
利息总额：1.05万
本息合计：9.05万
节省利息：449.5元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 1050.00 | 216.67 | 833.33 | 79166.67 |
| 2 | 2024-05 | 1047.74 | 214.41 | 833.33 | 78333.33 |
| 3 | 2024-06 | 1045.49 | 212.15 | 833.33 | 77500.00 |
| 4 | 2024-07 | 1043.23 | 209.90 | 833.33 | 76666.67 |
| 5 | 2024-08 | 1040.97 | 207.64 | 833.33 | 75833.33 |
| 6 | 2024-09 | 1038.72 | 205.38 | 833.33 | 75000.00 |
| 7 | 2024-10 | 1036.46 | 203.13 | 833.33 | 74166.67 |
| 8 | 2024-11 | 1034.20 | 200.87 | 833.33 | 73333.33 |
| 9 | 2024-12 | 1031.94 | 198.61 | 833.33 | 72500.00 |
| 10 | 2025-01 | 1029.69 | 196.35 | 833.33 | 71666.67 |
| 11 | 2025-02 | 1027.43 | 194.10 | 833.33 | 70833.33 |
| 12 | 2025-03 | 1025.17 | 191.84 | 833.33 | 70000.00 |
| 13 | 2025-04 | 1022.92 | 189.58 | 833.33 | 69166.67 |
| 14 | 2025-05 | 1020.66 | 187.33 | 833.33 | 68333.33 |
| 15 | 2025-06 | 1018.40 | 185.07 | 833.33 | 67500.00 |
| 16 | 2025-07 | 1016.15 | 182.81 | 833.33 | 66666.67 |
| 17 | 2025-08 | 1013.89 | 180.56 | 833.33 | 65833.33 |
| 18 | 2025-09 | 1011.63 | 178.30 | 833.33 | 65000.00 |
| 19 | 2025-10 | 1009.38 | 176.04 | 833.33 | 64166.67 |
| 20 | 2025-11 | 1007.12 | 173.78 | 833.33 | 63333.33 |
| 21 | 2025-12 | 1004.86 | 171.53 | 833.33 | 62500.00 |
| 22 | 2026-01 | 1002.60 | 169.27 | 833.33 | 61666.67 |
| 23 | 2026-02 | 1000.35 | 167.01 | 833.33 | 60833.33 |
| 24 | 2026-03 | 998.09 | 164.76 | 833.33 | 60000.00 |
| 25 | 2026-04 | 995.83 | 162.50 | 833.33 | 59166.67 |
| 26 | 2026-05 | 993.58 | 160.24 | 833.33 | 58333.33 |
| 27 | 2026-06 | 991.32 | 157.99 | 833.33 | 57500.00 |
| 28 | 2026-07 | 989.06 | 155.73 | 833.33 | 56666.67 |
| 29 | 2026-08 | 986.81 | 153.47 | 833.33 | 55833.33 |
| 30 | 2026-09 | 984.55 | 151.22 | 833.33 | 55000.00 |
| 31 | 2026-10 | 982.29 | 148.96 | 833.33 | 54166.67 |
| 32 | 2026-11 | 980.03 | 146.70 | 833.33 | 53333.33 |
| 33 | 2026-12 | 977.78 | 144.44 | 833.33 | 52500.00 |
| 34 | 2027-01 | 975.52 | 142.19 | 833.33 | 51666.67 |
| 35 | 2027-02 | 973.26 | 139.93 | 833.33 | 50833.33 |
| 36 | 2027-03 | 971.01 | 137.67 | 833.33 | 50000.00 |
| 37 | 2027-04 | 968.75 | 135.42 | 833.33 | 49166.67 |
| 38 | 2027-05 | 966.49 | 133.16 | 833.33 | 48333.33 |
| 39 | 2027-06 | 964.24 | 130.90 | 833.33 | 47500.00 |
| 40 | 2027-07 | 961.98 | 128.65 | 833.33 | 46666.67 |
| 41 | 2027-08 | 959.72 | 126.39 | 833.33 | 45833.33 |
| 42 | 2027-09 | 957.47 | 124.13 | 833.33 | 45000.00 |
| 43 | 2027-10 | 955.21 | 121.88 | 833.33 | 44166.67 |
| 44 | 2027-11 | 952.95 | 119.62 | 833.33 | 43333.33 |
| 45 | 2027-12 | 950.69 | 117.36 | 833.33 | 42500.00 |
| 46 | 2028-01 | 948.44 | 115.10 | 833.33 | 41666.67 |
| 47 | 2028-02 | 946.18 | 112.85 | 833.33 | 40833.33 |
| 48 | 2028-03 | 943.92 | 110.59 | 833.33 | 40000.00 |
| 49 | 2028-04 | 941.67 | 108.33 | 833.33 | 39166.67 |
| 50 | 2028-05 | 939.41 | 106.08 | 833.33 | 38333.33 |
| 51 | 2028-06 | 937.15 | 103.82 | 833.33 | 37500.00 |
| 52 | 2028-07 | 934.90 | 101.56 | 833.33 | 36666.67 |
| 53 | 2028-08 | 932.64 | 99.31 | 833.33 | 35833.33 |
| 54 | 2028-09 | 930.38 | 97.05 | 833.33 | 35000.00 |
| 55 | 2028-10 | 928.13 | 94.79 | 833.33 | 34166.67 |
| 56 | 2028-11 | 925.87 | 92.53 | 833.33 | 33333.33 |
| 57 | 2028-12 | 923.61 | 90.28 | 833.33 | 32500.00 |
| 58 | 2029-01 | 921.35 | 88.02 | 833.33 | 31666.67 |
| 59 | 2029-02 | 919.10 | 85.76 | 833.33 | 30833.33 |
| 60 | 2029-03 | 916.84 | 83.51 | 833.33 | 30000.00 |
| 61 | 2029-04 | 914.58 | 81.25 | 833.33 | 29166.67 |
| 62 | 2029-05 | 912.33 | 78.99 | 833.33 | 28333.33 |
| 63 | 2029-06 | 910.07 | 76.74 | 833.33 | 27500.00 |
| 64 | 2029-07 | 907.81 | 74.48 | 833.33 | 26666.67 |
| 65 | 2029-08 | 905.56 | 72.22 | 833.33 | 25833.33 |
| 66 | 2029-09 | 903.30 | 69.97 | 833.33 | 25000.00 |
| 67 | 2029-10 | 901.04 | 67.71 | 833.33 | 24166.67 |
| 68 | 2029-11 | 898.78 | 65.45 | 833.33 | 23333.33 |
| 69 | 2029-12 | 896.53 | 63.19 | 833.33 | 22500.00 |
| 70 | 2030-01 | 894.27 | 60.94 | 833.33 | 21666.67 |
| 71 | 2030-02 | 892.01 | 58.68 | 833.33 | 20833.33 |
| 72 | 2030-03 | 889.76 | 56.42 | 833.33 | 20000.00 |
| 73 | 2030-04 | 887.50 | 54.17 | 833.33 | 19166.67 |
| 74 | 2030-05 | 885.24 | 51.91 | 833.33 | 18333.33 |
| 75 | 2030-06 | 882.99 | 49.65 | 833.33 | 17500.00 |
| 76 | 2030-07 | 880.73 | 47.40 | 833.33 | 16666.67 |
| 77 | 2030-08 | 878.47 | 45.14 | 833.33 | 15833.33 |
| 78 | 2030-09 | 876.22 | 42.88 | 833.33 | 15000.00 |
| 79 | 2030-10 | 873.96 | 40.63 | 833.33 | 14166.67 |
| 80 | 2030-11 | 871.70 | 38.37 | 833.33 | 13333.33 |
| 81 | 2030-12 | 869.44 | 36.11 | 833.33 | 12500.00 |
| 82 | 2031-01 | 867.19 | 33.85 | 833.33 | 11666.67 |
| 83 | 2031-02 | 864.93 | 31.60 | 833.33 | 10833.33 |
| 84 | 2031-03 | 862.67 | 29.34 | 833.33 | 10000.00 |
| 85 | 2031-04 | 860.42 | 27.08 | 833.33 | 9166.67 |
| 86 | 2031-05 | 858.16 | 24.83 | 833.33 | 8333.33 |
| 87 | 2031-06 | 855.90 | 22.57 | 833.33 | 7500.00 |
| 88 | 2031-07 | 853.65 | 20.31 | 833.33 | 6666.67 |
| 89 | 2031-08 | 851.39 | 18.06 | 833.33 | 5833.33 |
| 90 | 2031-09 | 849.13 | 15.80 | 833.33 | 5000.00 |
| 91 | 2031-10 | 846.88 | 13.54 | 833.33 | 4166.67 |
| 92 | 2031-11 | 844.62 | 11.28 | 833.33 | 3333.33 |
| 93 | 2031-12 | 842.36 | 9.03 | 833.33 | 2500.00 |
| 94 | 2032-01 | 840.10 | 6.77 | 833.33 | 1666.67 |
| 95 | 2032-02 | 837.85 | 4.51 | 833.33 | 833.33 |
| 96 | 2032-03 | 835.59 | 2.26 | 833.33 | 0.00 |