贷款18万（公积金贷款）房贷，还款7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：18万
还款月数：7年
每月还款：2366.24元
利息总额：1.88万
本息合计：19.88万
| 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 | 2366.24 | 427.50 | 1938.74 | 178061.26 |
| 2 | 2025-05 | 2366.24 | 422.90 | 1943.35 | 176117.91 |
| 3 | 2025-06 | 2366.24 | 418.28 | 1947.96 | 174169.94 |
| 4 | 2025-07 | 2366.24 | 413.65 | 1952.59 | 172217.35 |
| 5 | 2025-08 | 2366.24 | 409.02 | 1957.23 | 170260.12 |
| 6 | 2025-09 | 2366.24 | 404.37 | 1961.88 | 168298.24 |
| 7 | 2025-10 | 2366.24 | 399.71 | 1966.54 | 166331.71 |
| 8 | 2025-11 | 2366.24 | 395.04 | 1971.21 | 164360.50 |
| 9 | 2025-12 | 2366.24 | 390.36 | 1975.89 | 162384.61 |
| 10 | 2026-01 | 2366.24 | 385.66 | 1980.58 | 160404.03 |
| 11 | 2026-02 | 2366.24 | 380.96 | 1985.29 | 158418.75 |
| 12 | 2026-03 | 2366.24 | 376.24 | 1990.00 | 156428.74 |
| 13 | 2026-04 | 2366.24 | 371.52 | 1994.73 | 154434.02 |
| 14 | 2026-05 | 2366.24 | 366.78 | 1999.46 | 152434.55 |
| 15 | 2026-06 | 2366.24 | 362.03 | 2004.21 | 150430.34 |
| 16 | 2026-07 | 2366.24 | 357.27 | 2008.97 | 148421.37 |
| 17 | 2026-08 | 2366.24 | 352.50 | 2013.74 | 146407.62 |
| 18 | 2026-09 | 2366.24 | 347.72 | 2018.53 | 144389.10 |
| 19 | 2026-10 | 2366.24 | 342.92 | 2023.32 | 142365.78 |
| 20 | 2026-11 | 2366.24 | 338.12 | 2028.13 | 140337.65 |
| 21 | 2026-12 | 2366.24 | 333.30 | 2032.94 | 138304.71 |
| 22 | 2027-01 | 2366.24 | 328.47 | 2037.77 | 136266.94 |
| 23 | 2027-02 | 2366.24 | 323.63 | 2042.61 | 134224.33 |
| 24 | 2027-03 | 2366.24 | 318.78 | 2047.46 | 132176.86 |
| 25 | 2027-04 | 2366.24 | 313.92 | 2052.32 | 130124.54 |
| 26 | 2027-05 | 2366.24 | 309.05 | 2057.20 | 128067.34 |
| 27 | 2027-06 | 2366.24 | 304.16 | 2062.08 | 126005.26 |
| 28 | 2027-07 | 2366.24 | 299.26 | 2066.98 | 123938.27 |
| 29 | 2027-08 | 2366.24 | 294.35 | 2071.89 | 121866.38 |
| 30 | 2027-09 | 2366.24 | 289.43 | 2076.81 | 119789.57 |
| 31 | 2027-10 | 2366.24 | 284.50 | 2081.74 | 117707.82 |
| 32 | 2027-11 | 2366.24 | 279.56 | 2086.69 | 115621.14 |
| 33 | 2027-12 | 2366.24 | 274.60 | 2091.64 | 113529.49 |
| 34 | 2028-01 | 2366.24 | 269.63 | 2096.61 | 111432.88 |
| 35 | 2028-02 | 2366.24 | 264.65 | 2101.59 | 109331.29 |
| 36 | 2028-03 | 2366.24 | 259.66 | 2106.58 | 107224.70 |
| 37 | 2028-04 | 2366.24 | 254.66 | 2111.59 | 105113.12 |
| 38 | 2028-05 | 2366.24 | 249.64 | 2116.60 | 102996.52 |
| 39 | 2028-06 | 2366.24 | 244.62 | 2121.63 | 100874.89 |
| 40 | 2028-07 | 2366.24 | 239.58 | 2126.67 | 98748.22 |
| 41 | 2028-08 | 2366.24 | 234.53 | 2131.72 | 96616.50 |
| 42 | 2028-09 | 2366.24 | 229.46 | 2136.78 | 94479.72 |
| 43 | 2028-10 | 2366.24 | 224.39 | 2141.86 | 92337.87 |
| 44 | 2028-11 | 2366.24 | 219.30 | 2146.94 | 90190.93 |
| 45 | 2028-12 | 2366.24 | 214.20 | 2152.04 | 88038.88 |
| 46 | 2029-01 | 2366.24 | 209.09 | 2157.15 | 85881.73 |
| 47 | 2029-02 | 2366.24 | 203.97 | 2162.28 | 83719.46 |
| 48 | 2029-03 | 2366.24 | 198.83 | 2167.41 | 81552.04 |
| 49 | 2029-04 | 2366.24 | 193.69 | 2172.56 | 79379.49 |
| 50 | 2029-05 | 2366.24 | 188.53 | 2177.72 | 77201.77 |
| 51 | 2029-06 | 2366.24 | 183.35 | 2182.89 | 75018.88 |
| 52 | 2029-07 | 2366.24 | 178.17 | 2188.08 | 72830.80 |
| 53 | 2029-08 | 2366.24 | 172.97 | 2193.27 | 70637.53 |
| 54 | 2029-09 | 2366.24 | 167.76 | 2198.48 | 68439.05 |
| 55 | 2029-10 | 2366.24 | 162.54 | 2203.70 | 66235.35 |
| 56 | 2029-11 | 2366.24 | 157.31 | 2208.94 | 64026.41 |
| 57 | 2029-12 | 2366.24 | 152.06 | 2214.18 | 61812.23 |
| 58 | 2030-01 | 2366.24 | 146.80 | 2219.44 | 59592.79 |
| 59 | 2030-02 | 2366.24 | 141.53 | 2224.71 | 57368.08 |
| 60 | 2030-03 | 2366.24 | 136.25 | 2230.00 | 55138.08 |
| 61 | 2030-04 | 2366.24 | 130.95 | 2235.29 | 52902.79 |
| 62 | 2030-05 | 2366.24 | 125.64 | 2240.60 | 50662.19 |
| 63 | 2030-06 | 2366.24 | 120.32 | 2245.92 | 48416.27 |
| 64 | 2030-07 | 2366.24 | 114.99 | 2251.26 | 46165.01 |
| 65 | 2030-08 | 2366.24 | 109.64 | 2256.60 | 43908.41 |
| 66 | 2030-09 | 2366.24 | 104.28 | 2261.96 | 41646.44 |
| 67 | 2030-10 | 2366.24 | 98.91 | 2267.33 | 39379.11 |
| 68 | 2030-11 | 2366.24 | 93.53 | 2272.72 | 37106.39 |
| 69 | 2030-12 | 2366.24 | 88.13 | 2278.12 | 34828.27 |
| 70 | 2031-01 | 2366.24 | 82.72 | 2283.53 | 32544.75 |
| 71 | 2031-02 | 2366.24 | 77.29 | 2288.95 | 30255.79 |
| 72 | 2031-03 | 2366.24 | 71.86 | 2294.39 | 27961.41 |
| 73 | 2031-04 | 2366.24 | 66.41 | 2299.84 | 25661.57 |
| 74 | 2031-05 | 2366.24 | 60.95 | 2305.30 | 23356.27 |
| 75 | 2031-06 | 2366.24 | 55.47 | 2310.77 | 21045.50 |
| 76 | 2031-07 | 2366.24 | 49.98 | 2316.26 | 18729.24 |
| 77 | 2031-08 | 2366.24 | 44.48 | 2321.76 | 16407.47 |
| 78 | 2031-09 | 2366.24 | 38.97 | 2327.28 | 14080.20 |
| 79 | 2031-10 | 2366.24 | 33.44 | 2332.80 | 11747.39 |
| 80 | 2031-11 | 2366.24 | 27.90 | 2338.34 | 9409.05 |
| 81 | 2031-12 | 2366.24 | 22.35 | 2343.90 | 7065.15 |
| 82 | 2032-01 | 2366.24 | 16.78 | 2349.47 | 4715.68 |
| 83 | 2032-02 | 2366.24 | 11.20 | 2355.05 | 2360.64 |
| 84 | 2032-03 | 2366.24 | 5.61 | 2360.64 | 0.00 |
等额本金还款方式：
贷款总额：18万
还款月数：7年
首月还款：2570.36元
每月递减：5.09元
利息总额：1.82万
本息合计：19.82万
节省利息：595.82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 | 2570.36 | 427.50 | 2142.86 | 177857.14 |
| 2 | 2025-05 | 2565.27 | 422.41 | 2142.86 | 175714.29 |
| 3 | 2025-06 | 2560.18 | 417.32 | 2142.86 | 173571.43 |
| 4 | 2025-07 | 2555.09 | 412.23 | 2142.86 | 171428.57 |
| 5 | 2025-08 | 2550.00 | 407.14 | 2142.86 | 169285.71 |
| 6 | 2025-09 | 2544.91 | 402.05 | 2142.86 | 167142.86 |
| 7 | 2025-10 | 2539.82 | 396.96 | 2142.86 | 165000.00 |
| 8 | 2025-11 | 2534.73 | 391.88 | 2142.86 | 162857.14 |
| 9 | 2025-12 | 2529.64 | 386.79 | 2142.86 | 160714.29 |
| 10 | 2026-01 | 2524.55 | 381.70 | 2142.86 | 158571.43 |
| 11 | 2026-02 | 2519.46 | 376.61 | 2142.86 | 156428.57 |
| 12 | 2026-03 | 2514.38 | 371.52 | 2142.86 | 154285.71 |
| 13 | 2026-04 | 2509.29 | 366.43 | 2142.86 | 152142.86 |
| 14 | 2026-05 | 2504.20 | 361.34 | 2142.86 | 150000.00 |
| 15 | 2026-06 | 2499.11 | 356.25 | 2142.86 | 147857.14 |
| 16 | 2026-07 | 2494.02 | 351.16 | 2142.86 | 145714.29 |
| 17 | 2026-08 | 2488.93 | 346.07 | 2142.86 | 143571.43 |
| 18 | 2026-09 | 2483.84 | 340.98 | 2142.86 | 141428.57 |
| 19 | 2026-10 | 2478.75 | 335.89 | 2142.86 | 139285.71 |
| 20 | 2026-11 | 2473.66 | 330.80 | 2142.86 | 137142.86 |
| 21 | 2026-12 | 2468.57 | 325.71 | 2142.86 | 135000.00 |
| 22 | 2027-01 | 2463.48 | 320.63 | 2142.86 | 132857.14 |
| 23 | 2027-02 | 2458.39 | 315.54 | 2142.86 | 130714.29 |
| 24 | 2027-03 | 2453.30 | 310.45 | 2142.86 | 128571.43 |
| 25 | 2027-04 | 2448.21 | 305.36 | 2142.86 | 126428.57 |
| 26 | 2027-05 | 2443.13 | 300.27 | 2142.86 | 124285.71 |
| 27 | 2027-06 | 2438.04 | 295.18 | 2142.86 | 122142.86 |
| 28 | 2027-07 | 2432.95 | 290.09 | 2142.86 | 120000.00 |
| 29 | 2027-08 | 2427.86 | 285.00 | 2142.86 | 117857.14 |
| 30 | 2027-09 | 2422.77 | 279.91 | 2142.86 | 115714.29 |
| 31 | 2027-10 | 2417.68 | 274.82 | 2142.86 | 113571.43 |
| 32 | 2027-11 | 2412.59 | 269.73 | 2142.86 | 111428.57 |
| 33 | 2027-12 | 2407.50 | 264.64 | 2142.86 | 109285.71 |
| 34 | 2028-01 | 2402.41 | 259.55 | 2142.86 | 107142.86 |
| 35 | 2028-02 | 2397.32 | 254.46 | 2142.86 | 105000.00 |
| 36 | 2028-03 | 2392.23 | 249.38 | 2142.86 | 102857.14 |
| 37 | 2028-04 | 2387.14 | 244.29 | 2142.86 | 100714.29 |
| 38 | 2028-05 | 2382.05 | 239.20 | 2142.86 | 98571.43 |
| 39 | 2028-06 | 2376.96 | 234.11 | 2142.86 | 96428.57 |
| 40 | 2028-07 | 2371.88 | 229.02 | 2142.86 | 94285.71 |
| 41 | 2028-08 | 2366.79 | 223.93 | 2142.86 | 92142.86 |
| 42 | 2028-09 | 2361.70 | 218.84 | 2142.86 | 90000.00 |
| 43 | 2028-10 | 2356.61 | 213.75 | 2142.86 | 87857.14 |
| 44 | 2028-11 | 2351.52 | 208.66 | 2142.86 | 85714.29 |
| 45 | 2028-12 | 2346.43 | 203.57 | 2142.86 | 83571.43 |
| 46 | 2029-01 | 2341.34 | 198.48 | 2142.86 | 81428.57 |
| 47 | 2029-02 | 2336.25 | 193.39 | 2142.86 | 79285.71 |
| 48 | 2029-03 | 2331.16 | 188.30 | 2142.86 | 77142.86 |
| 49 | 2029-04 | 2326.07 | 183.21 | 2142.86 | 75000.00 |
| 50 | 2029-05 | 2320.98 | 178.13 | 2142.86 | 72857.14 |
| 51 | 2029-06 | 2315.89 | 173.04 | 2142.86 | 70714.29 |
| 52 | 2029-07 | 2310.80 | 167.95 | 2142.86 | 68571.43 |
| 53 | 2029-08 | 2305.71 | 162.86 | 2142.86 | 66428.57 |
| 54 | 2029-09 | 2300.63 | 157.77 | 2142.86 | 64285.71 |
| 55 | 2029-10 | 2295.54 | 152.68 | 2142.86 | 62142.86 |
| 56 | 2029-11 | 2290.45 | 147.59 | 2142.86 | 60000.00 |
| 57 | 2029-12 | 2285.36 | 142.50 | 2142.86 | 57857.14 |
| 58 | 2030-01 | 2280.27 | 137.41 | 2142.86 | 55714.29 |
| 59 | 2030-02 | 2275.18 | 132.32 | 2142.86 | 53571.43 |
| 60 | 2030-03 | 2270.09 | 127.23 | 2142.86 | 51428.57 |
| 61 | 2030-04 | 2265.00 | 122.14 | 2142.86 | 49285.71 |
| 62 | 2030-05 | 2259.91 | 117.05 | 2142.86 | 47142.86 |
| 63 | 2030-06 | 2254.82 | 111.96 | 2142.86 | 45000.00 |
| 64 | 2030-07 | 2249.73 | 106.88 | 2142.86 | 42857.14 |
| 65 | 2030-08 | 2244.64 | 101.79 | 2142.86 | 40714.29 |
| 66 | 2030-09 | 2239.55 | 96.70 | 2142.86 | 38571.43 |
| 67 | 2030-10 | 2234.46 | 91.61 | 2142.86 | 36428.57 |
| 68 | 2030-11 | 2229.38 | 86.52 | 2142.86 | 34285.71 |
| 69 | 2030-12 | 2224.29 | 81.43 | 2142.86 | 32142.86 |
| 70 | 2031-01 | 2219.20 | 76.34 | 2142.86 | 30000.00 |
| 71 | 2031-02 | 2214.11 | 71.25 | 2142.86 | 27857.14 |
| 72 | 2031-03 | 2209.02 | 66.16 | 2142.86 | 25714.29 |
| 73 | 2031-04 | 2203.93 | 61.07 | 2142.86 | 23571.43 |
| 74 | 2031-05 | 2198.84 | 55.98 | 2142.86 | 21428.57 |
| 75 | 2031-06 | 2193.75 | 50.89 | 2142.86 | 19285.71 |
| 76 | 2031-07 | 2188.66 | 45.80 | 2142.86 | 17142.86 |
| 77 | 2031-08 | 2183.57 | 40.71 | 2142.86 | 15000.00 |
| 78 | 2031-09 | 2178.48 | 35.63 | 2142.86 | 12857.14 |
| 79 | 2031-10 | 2173.39 | 30.54 | 2142.86 | 10714.29 |
| 80 | 2031-11 | 2168.30 | 25.45 | 2142.86 | 8571.43 |
| 81 | 2031-12 | 2163.21 | 20.36 | 2142.86 | 6428.57 |
| 82 | 2032-01 | 2158.13 | 15.27 | 2142.86 | 4285.71 |
| 83 | 2032-02 | 2153.04 | 10.18 | 2142.86 | 2142.86 |
| 84 | 2032-03 | 2147.95 | 5.09 | 2142.86 | 0.00 |