贷款44万（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：44万
还款月数：8年
每月还款：5081.46元
利息总额：4.78万
本息合计：48.78万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 5081.46 | 953.33 | 4128.12 | 435871.88 |
| 2 | 2025-06 | 5081.46 | 944.39 | 4137.07 | 431734.81 |
| 3 | 2025-07 | 5081.46 | 935.43 | 4146.03 | 427588.77 |
| 4 | 2025-08 | 5081.46 | 926.44 | 4155.02 | 423433.76 |
| 5 | 2025-09 | 5081.46 | 917.44 | 4164.02 | 419269.74 |
| 6 | 2025-10 | 5081.46 | 908.42 | 4173.04 | 415096.70 |
| 7 | 2025-11 | 5081.46 | 899.38 | 4182.08 | 410914.62 |
| 8 | 2025-12 | 5081.46 | 890.32 | 4191.14 | 406723.47 |
| 9 | 2026-01 | 5081.46 | 881.23 | 4200.22 | 402523.25 |
| 10 | 2026-02 | 5081.46 | 872.13 | 4209.32 | 398313.92 |
| 11 | 2026-03 | 5081.46 | 863.01 | 4218.44 | 394095.48 |
| 12 | 2026-04 | 5081.46 | 853.87 | 4227.58 | 389867.90 |
| 13 | 2026-05 | 5081.46 | 844.71 | 4236.74 | 385631.15 |
| 14 | 2026-06 | 5081.46 | 835.53 | 4245.92 | 381385.23 |
| 15 | 2026-07 | 5081.46 | 826.33 | 4255.12 | 377130.10 |
| 16 | 2026-08 | 5081.46 | 817.12 | 4264.34 | 372865.76 |
| 17 | 2026-09 | 5081.46 | 807.88 | 4273.58 | 368592.18 |
| 18 | 2026-10 | 5081.46 | 798.62 | 4282.84 | 364309.34 |
| 19 | 2026-11 | 5081.46 | 789.34 | 4292.12 | 360017.22 |
| 20 | 2026-12 | 5081.46 | 780.04 | 4301.42 | 355715.79 |
| 21 | 2027-01 | 5081.46 | 770.72 | 4310.74 | 351405.05 |
| 22 | 2027-02 | 5081.46 | 761.38 | 4320.08 | 347084.97 |
| 23 | 2027-03 | 5081.46 | 752.02 | 4329.44 | 342755.53 |
| 24 | 2027-04 | 5081.46 | 742.64 | 4338.82 | 338416.71 |
| 25 | 2027-05 | 5081.46 | 733.24 | 4348.22 | 334068.49 |
| 26 | 2027-06 | 5081.46 | 723.82 | 4357.64 | 329710.85 |
| 27 | 2027-07 | 5081.46 | 714.37 | 4367.08 | 325343.76 |
| 28 | 2027-08 | 5081.46 | 704.91 | 4376.55 | 320967.21 |
| 29 | 2027-09 | 5081.46 | 695.43 | 4386.03 | 316581.19 |
| 30 | 2027-10 | 5081.46 | 685.93 | 4395.53 | 312185.65 |
| 31 | 2027-11 | 5081.46 | 676.40 | 4405.06 | 307780.60 |
| 32 | 2027-12 | 5081.46 | 666.86 | 4414.60 | 303366.00 |
| 33 | 2028-01 | 5081.46 | 657.29 | 4424.17 | 298941.83 |
| 34 | 2028-02 | 5081.46 | 647.71 | 4433.75 | 294508.08 |
| 35 | 2028-03 | 5081.46 | 638.10 | 4443.36 | 290064.72 |
| 36 | 2028-04 | 5081.46 | 628.47 | 4452.98 | 285611.74 |
| 37 | 2028-05 | 5081.46 | 618.83 | 4462.63 | 281149.11 |
| 38 | 2028-06 | 5081.46 | 609.16 | 4472.30 | 276676.80 |
| 39 | 2028-07 | 5081.46 | 599.47 | 4481.99 | 272194.81 |
| 40 | 2028-08 | 5081.46 | 589.76 | 4491.70 | 267703.11 |
| 41 | 2028-09 | 5081.46 | 580.02 | 4501.43 | 263201.67 |
| 42 | 2028-10 | 5081.46 | 570.27 | 4511.19 | 258690.49 |
| 43 | 2028-11 | 5081.46 | 560.50 | 4520.96 | 254169.52 |
| 44 | 2028-12 | 5081.46 | 550.70 | 4530.76 | 249638.77 |
| 45 | 2029-01 | 5081.46 | 540.88 | 4540.57 | 245098.19 |
| 46 | 2029-02 | 5081.46 | 531.05 | 4550.41 | 240547.78 |
| 47 | 2029-03 | 5081.46 | 521.19 | 4560.27 | 235987.51 |
| 48 | 2029-04 | 5081.46 | 511.31 | 4570.15 | 231417.36 |
| 49 | 2029-05 | 5081.46 | 501.40 | 4580.05 | 226837.30 |
| 50 | 2029-06 | 5081.46 | 491.48 | 4589.98 | 222247.33 |
| 51 | 2029-07 | 5081.46 | 481.54 | 4599.92 | 217647.40 |
| 52 | 2029-08 | 5081.46 | 471.57 | 4609.89 | 213037.52 |
| 53 | 2029-09 | 5081.46 | 461.58 | 4619.88 | 208417.64 |
| 54 | 2029-10 | 5081.46 | 451.57 | 4629.89 | 203787.75 |
| 55 | 2029-11 | 5081.46 | 441.54 | 4639.92 | 199147.83 |
| 56 | 2029-12 | 5081.46 | 431.49 | 4649.97 | 194497.86 |
| 57 | 2030-01 | 5081.46 | 421.41 | 4660.05 | 189837.82 |
| 58 | 2030-02 | 5081.46 | 411.32 | 4670.14 | 185167.67 |
| 59 | 2030-03 | 5081.46 | 401.20 | 4680.26 | 180487.41 |
| 60 | 2030-04 | 5081.46 | 391.06 | 4690.40 | 175797.01 |
| 61 | 2030-05 | 5081.46 | 380.89 | 4700.56 | 171096.45 |
| 62 | 2030-06 | 5081.46 | 370.71 | 4710.75 | 166385.70 |
| 63 | 2030-07 | 5081.46 | 360.50 | 4720.96 | 161664.74 |
| 64 | 2030-08 | 5081.46 | 350.27 | 4731.18 | 156933.56 |
| 65 | 2030-09 | 5081.46 | 340.02 | 4741.44 | 152192.12 |
| 66 | 2030-10 | 5081.46 | 329.75 | 4751.71 | 147440.41 |
| 67 | 2030-11 | 5081.46 | 319.45 | 4762.00 | 142678.41 |
| 68 | 2030-12 | 5081.46 | 309.14 | 4772.32 | 137906.09 |
| 69 | 2031-01 | 5081.46 | 298.80 | 4782.66 | 133123.42 |
| 70 | 2031-02 | 5081.46 | 288.43 | 4793.02 | 128330.40 |
| 71 | 2031-03 | 5081.46 | 278.05 | 4803.41 | 123526.99 |
| 72 | 2031-04 | 5081.46 | 267.64 | 4813.82 | 118713.17 |
| 73 | 2031-05 | 5081.46 | 257.21 | 4824.25 | 113888.93 |
| 74 | 2031-06 | 5081.46 | 246.76 | 4834.70 | 109054.23 |
| 75 | 2031-07 | 5081.46 | 236.28 | 4845.17 | 104209.06 |
| 76 | 2031-08 | 5081.46 | 225.79 | 4855.67 | 99353.38 |
| 77 | 2031-09 | 5081.46 | 215.27 | 4866.19 | 94487.19 |
| 78 | 2031-10 | 5081.46 | 204.72 | 4876.74 | 89610.46 |
| 79 | 2031-11 | 5081.46 | 194.16 | 4887.30 | 84723.15 |
| 80 | 2031-12 | 5081.46 | 183.57 | 4897.89 | 79825.26 |
| 81 | 2032-01 | 5081.46 | 172.95 | 4908.50 | 74916.76 |
| 82 | 2032-02 | 5081.46 | 162.32 | 4919.14 | 69997.62 |
| 83 | 2032-03 | 5081.46 | 151.66 | 4929.80 | 65067.82 |
| 84 | 2032-04 | 5081.46 | 140.98 | 4940.48 | 60127.34 |
| 85 | 2032-05 | 5081.46 | 130.28 | 4951.18 | 55176.16 |
| 86 | 2032-06 | 5081.46 | 119.55 | 4961.91 | 50214.25 |
| 87 | 2032-07 | 5081.46 | 108.80 | 4972.66 | 45241.59 |
| 88 | 2032-08 | 5081.46 | 98.02 | 4983.43 | 40258.16 |
| 89 | 2032-09 | 5081.46 | 87.23 | 4994.23 | 35263.93 |
| 90 | 2032-10 | 5081.46 | 76.41 | 5005.05 | 30258.87 |
| 91 | 2032-11 | 5081.46 | 65.56 | 5015.90 | 25242.97 |
| 92 | 2032-12 | 5081.46 | 54.69 | 5026.77 | 20216.21 |
| 93 | 2033-01 | 5081.46 | 43.80 | 5037.66 | 15178.55 |
| 94 | 2033-02 | 5081.46 | 32.89 | 5048.57 | 10129.98 |
| 95 | 2033-03 | 5081.46 | 21.95 | 5059.51 | 5070.47 |
| 96 | 2033-04 | 5081.46 | 10.99 | 5070.47 | 0.00 |
等额本金还款方式：
贷款总额：44万
还款月数：8年
首月还款：5536.67元
每月递减：9.93元
利息总额：4.62万
本息合计：48.62万
节省利息：1583.32元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 5536.67 | 953.33 | 4583.33 | 435416.67 |
| 2 | 2025-06 | 5526.74 | 943.40 | 4583.33 | 430833.33 |
| 3 | 2025-07 | 5516.81 | 933.47 | 4583.33 | 426250.00 |
| 4 | 2025-08 | 5506.88 | 923.54 | 4583.33 | 421666.67 |
| 5 | 2025-09 | 5496.94 | 913.61 | 4583.33 | 417083.33 |
| 6 | 2025-10 | 5487.01 | 903.68 | 4583.33 | 412500.00 |
| 7 | 2025-11 | 5477.08 | 893.75 | 4583.33 | 407916.67 |
| 8 | 2025-12 | 5467.15 | 883.82 | 4583.33 | 403333.33 |
| 9 | 2026-01 | 5457.22 | 873.89 | 4583.33 | 398750.00 |
| 10 | 2026-02 | 5447.29 | 863.96 | 4583.33 | 394166.67 |
| 11 | 2026-03 | 5437.36 | 854.03 | 4583.33 | 389583.33 |
| 12 | 2026-04 | 5427.43 | 844.10 | 4583.33 | 385000.00 |
| 13 | 2026-05 | 5417.50 | 834.17 | 4583.33 | 380416.67 |
| 14 | 2026-06 | 5407.57 | 824.24 | 4583.33 | 375833.33 |
| 15 | 2026-07 | 5397.64 | 814.31 | 4583.33 | 371250.00 |
| 16 | 2026-08 | 5387.71 | 804.38 | 4583.33 | 366666.67 |
| 17 | 2026-09 | 5377.78 | 794.44 | 4583.33 | 362083.33 |
| 18 | 2026-10 | 5367.85 | 784.51 | 4583.33 | 357500.00 |
| 19 | 2026-11 | 5357.92 | 774.58 | 4583.33 | 352916.67 |
| 20 | 2026-12 | 5347.99 | 764.65 | 4583.33 | 348333.33 |
| 21 | 2027-01 | 5338.06 | 754.72 | 4583.33 | 343750.00 |
| 22 | 2027-02 | 5328.13 | 744.79 | 4583.33 | 339166.67 |
| 23 | 2027-03 | 5318.19 | 734.86 | 4583.33 | 334583.33 |
| 24 | 2027-04 | 5308.26 | 724.93 | 4583.33 | 330000.00 |
| 25 | 2027-05 | 5298.33 | 715.00 | 4583.33 | 325416.67 |
| 26 | 2027-06 | 5288.40 | 705.07 | 4583.33 | 320833.33 |
| 27 | 2027-07 | 5278.47 | 695.14 | 4583.33 | 316250.00 |
| 28 | 2027-08 | 5268.54 | 685.21 | 4583.33 | 311666.67 |
| 29 | 2027-09 | 5258.61 | 675.28 | 4583.33 | 307083.33 |
| 30 | 2027-10 | 5248.68 | 665.35 | 4583.33 | 302500.00 |
| 31 | 2027-11 | 5238.75 | 655.42 | 4583.33 | 297916.67 |
| 32 | 2027-12 | 5228.82 | 645.49 | 4583.33 | 293333.33 |
| 33 | 2028-01 | 5218.89 | 635.56 | 4583.33 | 288750.00 |
| 34 | 2028-02 | 5208.96 | 625.63 | 4583.33 | 284166.67 |
| 35 | 2028-03 | 5199.03 | 615.69 | 4583.33 | 279583.33 |
| 36 | 2028-04 | 5189.10 | 605.76 | 4583.33 | 275000.00 |
| 37 | 2028-05 | 5179.17 | 595.83 | 4583.33 | 270416.67 |
| 38 | 2028-06 | 5169.24 | 585.90 | 4583.33 | 265833.33 |
| 39 | 2028-07 | 5159.31 | 575.97 | 4583.33 | 261250.00 |
| 40 | 2028-08 | 5149.38 | 566.04 | 4583.33 | 256666.67 |
| 41 | 2028-09 | 5139.44 | 556.11 | 4583.33 | 252083.33 |
| 42 | 2028-10 | 5129.51 | 546.18 | 4583.33 | 247500.00 |
| 43 | 2028-11 | 5119.58 | 536.25 | 4583.33 | 242916.67 |
| 44 | 2028-12 | 5109.65 | 526.32 | 4583.33 | 238333.33 |
| 45 | 2029-01 | 5099.72 | 516.39 | 4583.33 | 233750.00 |
| 46 | 2029-02 | 5089.79 | 506.46 | 4583.33 | 229166.67 |
| 47 | 2029-03 | 5079.86 | 496.53 | 4583.33 | 224583.33 |
| 48 | 2029-04 | 5069.93 | 486.60 | 4583.33 | 220000.00 |
| 49 | 2029-05 | 5060.00 | 476.67 | 4583.33 | 215416.67 |
| 50 | 2029-06 | 5050.07 | 466.74 | 4583.33 | 210833.33 |
| 51 | 2029-07 | 5040.14 | 456.81 | 4583.33 | 206250.00 |
| 52 | 2029-08 | 5030.21 | 446.88 | 4583.33 | 201666.67 |
| 53 | 2029-09 | 5020.28 | 436.94 | 4583.33 | 197083.33 |
| 54 | 2029-10 | 5010.35 | 427.01 | 4583.33 | 192500.00 |
| 55 | 2029-11 | 5000.42 | 417.08 | 4583.33 | 187916.67 |
| 56 | 2029-12 | 4990.49 | 407.15 | 4583.33 | 183333.33 |
| 57 | 2030-01 | 4980.56 | 397.22 | 4583.33 | 178750.00 |
| 58 | 2030-02 | 4970.63 | 387.29 | 4583.33 | 174166.67 |
| 59 | 2030-03 | 4960.69 | 377.36 | 4583.33 | 169583.33 |
| 60 | 2030-04 | 4950.76 | 367.43 | 4583.33 | 165000.00 |
| 61 | 2030-05 | 4940.83 | 357.50 | 4583.33 | 160416.67 |
| 62 | 2030-06 | 4930.90 | 347.57 | 4583.33 | 155833.33 |
| 63 | 2030-07 | 4920.97 | 337.64 | 4583.33 | 151250.00 |
| 64 | 2030-08 | 4911.04 | 327.71 | 4583.33 | 146666.67 |
| 65 | 2030-09 | 4901.11 | 317.78 | 4583.33 | 142083.33 |
| 66 | 2030-10 | 4891.18 | 307.85 | 4583.33 | 137500.00 |
| 67 | 2030-11 | 4881.25 | 297.92 | 4583.33 | 132916.67 |
| 68 | 2030-12 | 4871.32 | 287.99 | 4583.33 | 128333.33 |
| 69 | 2031-01 | 4861.39 | 278.06 | 4583.33 | 123750.00 |
| 70 | 2031-02 | 4851.46 | 268.13 | 4583.33 | 119166.67 |
| 71 | 2031-03 | 4841.53 | 258.19 | 4583.33 | 114583.33 |
| 72 | 2031-04 | 4831.60 | 248.26 | 4583.33 | 110000.00 |
| 73 | 2031-05 | 4821.67 | 238.33 | 4583.33 | 105416.67 |
| 74 | 2031-06 | 4811.74 | 228.40 | 4583.33 | 100833.33 |
| 75 | 2031-07 | 4801.81 | 218.47 | 4583.33 | 96250.00 |
| 76 | 2031-08 | 4791.88 | 208.54 | 4583.33 | 91666.67 |
| 77 | 2031-09 | 4781.94 | 198.61 | 4583.33 | 87083.33 |
| 78 | 2031-10 | 4772.01 | 188.68 | 4583.33 | 82500.00 |
| 79 | 2031-11 | 4762.08 | 178.75 | 4583.33 | 77916.67 |
| 80 | 2031-12 | 4752.15 | 168.82 | 4583.33 | 73333.33 |
| 81 | 2032-01 | 4742.22 | 158.89 | 4583.33 | 68750.00 |
| 82 | 2032-02 | 4732.29 | 148.96 | 4583.33 | 64166.67 |
| 83 | 2032-03 | 4722.36 | 139.03 | 4583.33 | 59583.33 |
| 84 | 2032-04 | 4712.43 | 129.10 | 4583.33 | 55000.00 |
| 85 | 2032-05 | 4702.50 | 119.17 | 4583.33 | 50416.67 |
| 86 | 2032-06 | 4692.57 | 109.24 | 4583.33 | 45833.33 |
| 87 | 2032-07 | 4682.64 | 99.31 | 4583.33 | 41250.00 |
| 88 | 2032-08 | 4672.71 | 89.38 | 4583.33 | 36666.67 |
| 89 | 2032-09 | 4662.78 | 79.44 | 4583.33 | 32083.33 |
| 90 | 2032-10 | 4652.85 | 69.51 | 4583.33 | 27500.00 |
| 91 | 2032-11 | 4642.92 | 59.58 | 4583.33 | 22916.67 |
| 92 | 2032-12 | 4632.99 | 49.65 | 4583.33 | 18333.33 |
| 93 | 2033-01 | 4623.06 | 39.72 | 4583.33 | 13750.00 |
| 94 | 2033-02 | 4613.13 | 29.79 | 4583.33 | 9166.67 |
| 95 | 2033-03 | 4603.19 | 19.86 | 4583.33 | 4583.33 |
| 96 | 2033-04 | 4593.26 | 9.93 | 4583.33 | 0.00 |