贷款44万（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：44万
还款月数：6年
每月还款：6606.77元
利息总额：3.57万
本息合计：47.57万
| 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 | 6606.77 | 953.33 | 5653.44 | 434346.56 |
| 2 | 2025-06 | 6606.77 | 941.08 | 5665.69 | 428680.88 |
| 3 | 2025-07 | 6606.77 | 928.81 | 5677.96 | 423002.91 |
| 4 | 2025-08 | 6606.77 | 916.51 | 5690.26 | 417312.65 |
| 5 | 2025-09 | 6606.77 | 904.18 | 5702.59 | 411610.06 |
| 6 | 2025-10 | 6606.77 | 891.82 | 5714.95 | 405895.11 |
| 7 | 2025-11 | 6606.77 | 879.44 | 5727.33 | 400167.78 |
| 8 | 2025-12 | 6606.77 | 867.03 | 5739.74 | 394428.04 |
| 9 | 2026-01 | 6606.77 | 854.59 | 5752.18 | 388675.86 |
| 10 | 2026-02 | 6606.77 | 842.13 | 5764.64 | 382911.22 |
| 11 | 2026-03 | 6606.77 | 829.64 | 5777.13 | 377134.09 |
| 12 | 2026-04 | 6606.77 | 817.12 | 5789.65 | 371344.44 |
| 13 | 2026-05 | 6606.77 | 804.58 | 5802.19 | 365542.25 |
| 14 | 2026-06 | 6606.77 | 792.01 | 5814.76 | 359727.49 |
| 15 | 2026-07 | 6606.77 | 779.41 | 5827.36 | 353900.13 |
| 16 | 2026-08 | 6606.77 | 766.78 | 5839.99 | 348060.14 |
| 17 | 2026-09 | 6606.77 | 754.13 | 5852.64 | 342207.50 |
| 18 | 2026-10 | 6606.77 | 741.45 | 5865.32 | 336342.18 |
| 19 | 2026-11 | 6606.77 | 728.74 | 5878.03 | 330464.15 |
| 20 | 2026-12 | 6606.77 | 716.01 | 5890.77 | 324573.39 |
| 21 | 2027-01 | 6606.77 | 703.24 | 5903.53 | 318669.86 |
| 22 | 2027-02 | 6606.77 | 690.45 | 5916.32 | 312753.54 |
| 23 | 2027-03 | 6606.77 | 677.63 | 5929.14 | 306824.40 |
| 24 | 2027-04 | 6606.77 | 664.79 | 5941.98 | 300882.42 |
| 25 | 2027-05 | 6606.77 | 651.91 | 5954.86 | 294927.56 |
| 26 | 2027-06 | 6606.77 | 639.01 | 5967.76 | 288959.80 |
| 27 | 2027-07 | 6606.77 | 626.08 | 5980.69 | 282979.10 |
| 28 | 2027-08 | 6606.77 | 613.12 | 5993.65 | 276985.46 |
| 29 | 2027-09 | 6606.77 | 600.14 | 6006.64 | 270978.82 |
| 30 | 2027-10 | 6606.77 | 587.12 | 6019.65 | 264959.17 |
| 31 | 2027-11 | 6606.77 | 574.08 | 6032.69 | 258926.48 |
| 32 | 2027-12 | 6606.77 | 561.01 | 6045.76 | 252880.71 |
| 33 | 2028-01 | 6606.77 | 547.91 | 6058.86 | 246821.85 |
| 34 | 2028-02 | 6606.77 | 534.78 | 6071.99 | 240749.86 |
| 35 | 2028-03 | 6606.77 | 521.62 | 6085.15 | 234664.72 |
| 36 | 2028-04 | 6606.77 | 508.44 | 6098.33 | 228566.39 |
| 37 | 2028-05 | 6606.77 | 495.23 | 6111.54 | 222454.84 |
| 38 | 2028-06 | 6606.77 | 481.99 | 6124.79 | 216330.06 |
| 39 | 2028-07 | 6606.77 | 468.72 | 6138.06 | 210192.00 |
| 40 | 2028-08 | 6606.77 | 455.42 | 6151.35 | 204040.65 |
| 41 | 2028-09 | 6606.77 | 442.09 | 6164.68 | 197875.96 |
| 42 | 2028-10 | 6606.77 | 428.73 | 6178.04 | 191697.92 |
| 43 | 2028-11 | 6606.77 | 415.35 | 6191.43 | 185506.50 |
| 44 | 2028-12 | 6606.77 | 401.93 | 6204.84 | 179301.66 |
| 45 | 2029-01 | 6606.77 | 388.49 | 6218.28 | 173083.38 |
| 46 | 2029-02 | 6606.77 | 375.01 | 6231.76 | 166851.62 |
| 47 | 2029-03 | 6606.77 | 361.51 | 6245.26 | 160606.36 |
| 48 | 2029-04 | 6606.77 | 347.98 | 6258.79 | 154347.57 |
| 49 | 2029-05 | 6606.77 | 334.42 | 6272.35 | 148075.22 |
| 50 | 2029-06 | 6606.77 | 320.83 | 6285.94 | 141789.28 |
| 51 | 2029-07 | 6606.77 | 307.21 | 6299.56 | 135489.72 |
| 52 | 2029-08 | 6606.77 | 293.56 | 6313.21 | 129176.51 |
| 53 | 2029-09 | 6606.77 | 279.88 | 6326.89 | 122849.62 |
| 54 | 2029-10 | 6606.77 | 266.17 | 6340.60 | 116509.02 |
| 55 | 2029-11 | 6606.77 | 252.44 | 6354.33 | 110154.69 |
| 56 | 2029-12 | 6606.77 | 238.67 | 6368.10 | 103786.59 |
| 57 | 2030-01 | 6606.77 | 224.87 | 6381.90 | 97404.69 |
| 58 | 2030-02 | 6606.77 | 211.04 | 6395.73 | 91008.96 |
| 59 | 2030-03 | 6606.77 | 197.19 | 6409.58 | 84599.37 |
| 60 | 2030-04 | 6606.77 | 183.30 | 6423.47 | 78175.90 |
| 61 | 2030-05 | 6606.77 | 169.38 | 6437.39 | 71738.51 |
| 62 | 2030-06 | 6606.77 | 155.43 | 6451.34 | 65287.18 |
| 63 | 2030-07 | 6606.77 | 141.46 | 6465.32 | 58821.86 |
| 64 | 2030-08 | 6606.77 | 127.45 | 6479.32 | 52342.54 |
| 65 | 2030-09 | 6606.77 | 113.41 | 6493.36 | 45849.18 |
| 66 | 2030-10 | 6606.77 | 99.34 | 6507.43 | 39341.74 |
| 67 | 2030-11 | 6606.77 | 85.24 | 6521.53 | 32820.21 |
| 68 | 2030-12 | 6606.77 | 71.11 | 6535.66 | 26284.55 |
| 69 | 2031-01 | 6606.77 | 56.95 | 6549.82 | 19734.73 |
| 70 | 2031-02 | 6606.77 | 42.76 | 6564.01 | 13170.72 |
| 71 | 2031-03 | 6606.77 | 28.54 | 6578.23 | 6592.49 |
| 72 | 2031-04 | 6606.77 | 14.28 | 6592.49 | 0.00 |
等额本金还款方式：
贷款总额：44万
还款月数：6年
首月还款：7064.44元
每月递减：13.24元
利息总额：3.48万
本息合计：47.48万
节省利息：890.82元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 7064.44 | 953.33 | 6111.11 | 433888.89 |
| 2 | 2025-06 | 7051.20 | 940.09 | 6111.11 | 427777.78 |
| 3 | 2025-07 | 7037.96 | 926.85 | 6111.11 | 421666.67 |
| 4 | 2025-08 | 7024.72 | 913.61 | 6111.11 | 415555.56 |
| 5 | 2025-09 | 7011.48 | 900.37 | 6111.11 | 409444.44 |
| 6 | 2025-10 | 6998.24 | 887.13 | 6111.11 | 403333.33 |
| 7 | 2025-11 | 6985.00 | 873.89 | 6111.11 | 397222.22 |
| 8 | 2025-12 | 6971.76 | 860.65 | 6111.11 | 391111.11 |
| 9 | 2026-01 | 6958.52 | 847.41 | 6111.11 | 385000.00 |
| 10 | 2026-02 | 6945.28 | 834.17 | 6111.11 | 378888.89 |
| 11 | 2026-03 | 6932.04 | 820.93 | 6111.11 | 372777.78 |
| 12 | 2026-04 | 6918.80 | 807.69 | 6111.11 | 366666.67 |
| 13 | 2026-05 | 6905.56 | 794.44 | 6111.11 | 360555.56 |
| 14 | 2026-06 | 6892.31 | 781.20 | 6111.11 | 354444.44 |
| 15 | 2026-07 | 6879.07 | 767.96 | 6111.11 | 348333.33 |
| 16 | 2026-08 | 6865.83 | 754.72 | 6111.11 | 342222.22 |
| 17 | 2026-09 | 6852.59 | 741.48 | 6111.11 | 336111.11 |
| 18 | 2026-10 | 6839.35 | 728.24 | 6111.11 | 330000.00 |
| 19 | 2026-11 | 6826.11 | 715.00 | 6111.11 | 323888.89 |
| 20 | 2026-12 | 6812.87 | 701.76 | 6111.11 | 317777.78 |
| 21 | 2027-01 | 6799.63 | 688.52 | 6111.11 | 311666.67 |
| 22 | 2027-02 | 6786.39 | 675.28 | 6111.11 | 305555.56 |
| 23 | 2027-03 | 6773.15 | 662.04 | 6111.11 | 299444.44 |
| 24 | 2027-04 | 6759.91 | 648.80 | 6111.11 | 293333.33 |
| 25 | 2027-05 | 6746.67 | 635.56 | 6111.11 | 287222.22 |
| 26 | 2027-06 | 6733.43 | 622.31 | 6111.11 | 281111.11 |
| 27 | 2027-07 | 6720.19 | 609.07 | 6111.11 | 275000.00 |
| 28 | 2027-08 | 6706.94 | 595.83 | 6111.11 | 268888.89 |
| 29 | 2027-09 | 6693.70 | 582.59 | 6111.11 | 262777.78 |
| 30 | 2027-10 | 6680.46 | 569.35 | 6111.11 | 256666.67 |
| 31 | 2027-11 | 6667.22 | 556.11 | 6111.11 | 250555.56 |
| 32 | 2027-12 | 6653.98 | 542.87 | 6111.11 | 244444.44 |
| 33 | 2028-01 | 6640.74 | 529.63 | 6111.11 | 238333.33 |
| 34 | 2028-02 | 6627.50 | 516.39 | 6111.11 | 232222.22 |
| 35 | 2028-03 | 6614.26 | 503.15 | 6111.11 | 226111.11 |
| 36 | 2028-04 | 6601.02 | 489.91 | 6111.11 | 220000.00 |
| 37 | 2028-05 | 6587.78 | 476.67 | 6111.11 | 213888.89 |
| 38 | 2028-06 | 6574.54 | 463.43 | 6111.11 | 207777.78 |
| 39 | 2028-07 | 6561.30 | 450.19 | 6111.11 | 201666.67 |
| 40 | 2028-08 | 6548.06 | 436.94 | 6111.11 | 195555.56 |
| 41 | 2028-09 | 6534.81 | 423.70 | 6111.11 | 189444.44 |
| 42 | 2028-10 | 6521.57 | 410.46 | 6111.11 | 183333.33 |
| 43 | 2028-11 | 6508.33 | 397.22 | 6111.11 | 177222.22 |
| 44 | 2028-12 | 6495.09 | 383.98 | 6111.11 | 171111.11 |
| 45 | 2029-01 | 6481.85 | 370.74 | 6111.11 | 165000.00 |
| 46 | 2029-02 | 6468.61 | 357.50 | 6111.11 | 158888.89 |
| 47 | 2029-03 | 6455.37 | 344.26 | 6111.11 | 152777.78 |
| 48 | 2029-04 | 6442.13 | 331.02 | 6111.11 | 146666.67 |
| 49 | 2029-05 | 6428.89 | 317.78 | 6111.11 | 140555.56 |
| 50 | 2029-06 | 6415.65 | 304.54 | 6111.11 | 134444.44 |
| 51 | 2029-07 | 6402.41 | 291.30 | 6111.11 | 128333.33 |
| 52 | 2029-08 | 6389.17 | 278.06 | 6111.11 | 122222.22 |
| 53 | 2029-09 | 6375.93 | 264.81 | 6111.11 | 116111.11 |
| 54 | 2029-10 | 6362.69 | 251.57 | 6111.11 | 110000.00 |
| 55 | 2029-11 | 6349.44 | 238.33 | 6111.11 | 103888.89 |
| 56 | 2029-12 | 6336.20 | 225.09 | 6111.11 | 97777.78 |
| 57 | 2030-01 | 6322.96 | 211.85 | 6111.11 | 91666.67 |
| 58 | 2030-02 | 6309.72 | 198.61 | 6111.11 | 85555.56 |
| 59 | 2030-03 | 6296.48 | 185.37 | 6111.11 | 79444.44 |
| 60 | 2030-04 | 6283.24 | 172.13 | 6111.11 | 73333.33 |
| 61 | 2030-05 | 6270.00 | 158.89 | 6111.11 | 67222.22 |
| 62 | 2030-06 | 6256.76 | 145.65 | 6111.11 | 61111.11 |
| 63 | 2030-07 | 6243.52 | 132.41 | 6111.11 | 55000.00 |
| 64 | 2030-08 | 6230.28 | 119.17 | 6111.11 | 48888.89 |
| 65 | 2030-09 | 6217.04 | 105.93 | 6111.11 | 42777.78 |
| 66 | 2030-10 | 6203.80 | 92.69 | 6111.11 | 36666.67 |
| 67 | 2030-11 | 6190.56 | 79.44 | 6111.11 | 30555.56 |
| 68 | 2030-12 | 6177.31 | 66.20 | 6111.11 | 24444.44 |
| 69 | 2031-01 | 6164.07 | 52.96 | 6111.11 | 18333.33 |
| 70 | 2031-02 | 6150.83 | 39.72 | 6111.11 | 12222.22 |
| 71 | 2031-03 | 6137.59 | 26.48 | 6111.11 | 6111.11 |
| 72 | 2031-04 | 6124.35 | 13.24 | 6111.11 | 0.00 |