赣州贷款42万（公积金贷款）房贷，还款10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：42万
还款月数：10年
每月还款：3988.05元
利息总额：5.86万
本息合计：47.86万
| 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 | 3988.05 | 927.50 | 3060.55 | 416939.45 |
| 2 | 2025-06 | 3988.05 | 920.74 | 3067.31 | 413872.14 |
| 3 | 2025-07 | 3988.05 | 913.97 | 3074.08 | 410798.06 |
| 4 | 2025-08 | 3988.05 | 907.18 | 3080.87 | 407717.19 |
| 5 | 2025-09 | 3988.05 | 900.38 | 3087.67 | 404629.52 |
| 6 | 2025-10 | 3988.05 | 893.56 | 3094.49 | 401535.03 |
| 7 | 2025-11 | 3988.05 | 886.72 | 3101.33 | 398433.70 |
| 8 | 2025-12 | 3988.05 | 879.87 | 3108.17 | 395325.53 |
| 9 | 2026-01 | 3988.05 | 873.01 | 3115.04 | 392210.49 |
| 10 | 2026-02 | 3988.05 | 866.13 | 3121.92 | 389088.57 |
| 11 | 2026-03 | 3988.05 | 859.24 | 3128.81 | 385959.76 |
| 12 | 2026-04 | 3988.05 | 852.33 | 3135.72 | 382824.04 |
| 13 | 2026-05 | 3988.05 | 845.40 | 3142.65 | 379681.39 |
| 14 | 2026-06 | 3988.05 | 838.46 | 3149.59 | 376531.80 |
| 15 | 2026-07 | 3988.05 | 831.51 | 3156.54 | 373375.26 |
| 16 | 2026-08 | 3988.05 | 824.54 | 3163.51 | 370211.75 |
| 17 | 2026-09 | 3988.05 | 817.55 | 3170.50 | 367041.25 |
| 18 | 2026-10 | 3988.05 | 810.55 | 3177.50 | 363863.75 |
| 19 | 2026-11 | 3988.05 | 803.53 | 3184.52 | 360679.24 |
| 20 | 2026-12 | 3988.05 | 796.50 | 3191.55 | 357487.69 |
| 21 | 2027-01 | 3988.05 | 789.45 | 3198.60 | 354289.09 |
| 22 | 2027-02 | 3988.05 | 782.39 | 3205.66 | 351083.43 |
| 23 | 2027-03 | 3988.05 | 775.31 | 3212.74 | 347870.69 |
| 24 | 2027-04 | 3988.05 | 768.21 | 3219.83 | 344650.86 |
| 25 | 2027-05 | 3988.05 | 761.10 | 3226.95 | 341423.91 |
| 26 | 2027-06 | 3988.05 | 753.98 | 3234.07 | 338189.84 |
| 27 | 2027-07 | 3988.05 | 746.84 | 3241.21 | 334948.63 |
| 28 | 2027-08 | 3988.05 | 739.68 | 3248.37 | 331700.26 |
| 29 | 2027-09 | 3988.05 | 732.50 | 3255.54 | 328444.71 |
| 30 | 2027-10 | 3988.05 | 725.32 | 3262.73 | 325181.98 |
| 31 | 2027-11 | 3988.05 | 718.11 | 3269.94 | 321912.04 |
| 32 | 2027-12 | 3988.05 | 710.89 | 3277.16 | 318634.88 |
| 33 | 2028-01 | 3988.05 | 703.65 | 3284.40 | 315350.48 |
| 34 | 2028-02 | 3988.05 | 696.40 | 3291.65 | 312058.83 |
| 35 | 2028-03 | 3988.05 | 689.13 | 3298.92 | 308759.91 |
| 36 | 2028-04 | 3988.05 | 681.84 | 3306.20 | 305453.71 |
| 37 | 2028-05 | 3988.05 | 674.54 | 3313.51 | 302140.20 |
| 38 | 2028-06 | 3988.05 | 667.23 | 3320.82 | 298819.38 |
| 39 | 2028-07 | 3988.05 | 659.89 | 3328.16 | 295491.22 |
| 40 | 2028-08 | 3988.05 | 652.54 | 3335.51 | 292155.72 |
| 41 | 2028-09 | 3988.05 | 645.18 | 3342.87 | 288812.85 |
| 42 | 2028-10 | 3988.05 | 637.80 | 3350.25 | 285462.59 |
| 43 | 2028-11 | 3988.05 | 630.40 | 3357.65 | 282104.94 |
| 44 | 2028-12 | 3988.05 | 622.98 | 3365.07 | 278739.87 |
| 45 | 2029-01 | 3988.05 | 615.55 | 3372.50 | 275367.38 |
| 46 | 2029-02 | 3988.05 | 608.10 | 3379.95 | 271987.43 |
| 47 | 2029-03 | 3988.05 | 600.64 | 3387.41 | 268600.02 |
| 48 | 2029-04 | 3988.05 | 593.16 | 3394.89 | 265205.13 |
| 49 | 2029-05 | 3988.05 | 585.66 | 3402.39 | 261802.74 |
| 50 | 2029-06 | 3988.05 | 578.15 | 3409.90 | 258392.84 |
| 51 | 2029-07 | 3988.05 | 570.62 | 3417.43 | 254975.41 |
| 52 | 2029-08 | 3988.05 | 563.07 | 3424.98 | 251550.43 |
| 53 | 2029-09 | 3988.05 | 555.51 | 3432.54 | 248117.89 |
| 54 | 2029-10 | 3988.05 | 547.93 | 3440.12 | 244677.77 |
| 55 | 2029-11 | 3988.05 | 540.33 | 3447.72 | 241230.05 |
| 56 | 2029-12 | 3988.05 | 532.72 | 3455.33 | 237774.71 |
| 57 | 2030-01 | 3988.05 | 525.09 | 3462.96 | 234311.75 |
| 58 | 2030-02 | 3988.05 | 517.44 | 3470.61 | 230841.14 |
| 59 | 2030-03 | 3988.05 | 509.77 | 3478.27 | 227362.87 |
| 60 | 2030-04 | 3988.05 | 502.09 | 3485.96 | 223876.91 |
| 61 | 2030-05 | 3988.05 | 494.39 | 3493.65 | 220383.26 |
| 62 | 2030-06 | 3988.05 | 486.68 | 3501.37 | 216881.89 |
| 63 | 2030-07 | 3988.05 | 478.95 | 3509.10 | 213372.78 |
| 64 | 2030-08 | 3988.05 | 471.20 | 3516.85 | 209855.93 |
| 65 | 2030-09 | 3988.05 | 463.43 | 3524.62 | 206331.32 |
| 66 | 2030-10 | 3988.05 | 455.65 | 3532.40 | 202798.92 |
| 67 | 2030-11 | 3988.05 | 447.85 | 3540.20 | 199258.71 |
| 68 | 2030-12 | 3988.05 | 440.03 | 3548.02 | 195710.69 |
| 69 | 2031-01 | 3988.05 | 432.19 | 3555.85 | 192154.84 |
| 70 | 2031-02 | 3988.05 | 424.34 | 3563.71 | 188591.13 |
| 71 | 2031-03 | 3988.05 | 416.47 | 3571.58 | 185019.56 |
| 72 | 2031-04 | 3988.05 | 408.58 | 3579.46 | 181440.09 |
| 73 | 2031-05 | 3988.05 | 400.68 | 3587.37 | 177852.72 |
| 74 | 2031-06 | 3988.05 | 392.76 | 3595.29 | 174257.43 |
| 75 | 2031-07 | 3988.05 | 384.82 | 3603.23 | 170654.20 |
| 76 | 2031-08 | 3988.05 | 376.86 | 3611.19 | 167043.01 |
| 77 | 2031-09 | 3988.05 | 368.89 | 3619.16 | 163423.85 |
| 78 | 2031-10 | 3988.05 | 360.89 | 3627.15 | 159796.70 |
| 79 | 2031-11 | 3988.05 | 352.88 | 3635.16 | 156161.53 |
| 80 | 2031-12 | 3988.05 | 344.86 | 3643.19 | 152518.34 |
| 81 | 2032-01 | 3988.05 | 336.81 | 3651.24 | 148867.10 |
| 82 | 2032-02 | 3988.05 | 328.75 | 3659.30 | 145207.80 |
| 83 | 2032-03 | 3988.05 | 320.67 | 3667.38 | 141540.42 |
| 84 | 2032-04 | 3988.05 | 312.57 | 3675.48 | 137864.94 |
| 85 | 2032-05 | 3988.05 | 304.45 | 3683.60 | 134181.34 |
| 86 | 2032-06 | 3988.05 | 296.32 | 3691.73 | 130489.61 |
| 87 | 2032-07 | 3988.05 | 288.16 | 3699.88 | 126789.73 |
| 88 | 2032-08 | 3988.05 | 279.99 | 3708.06 | 123081.67 |
| 89 | 2032-09 | 3988.05 | 271.81 | 3716.24 | 119365.43 |
| 90 | 2032-10 | 3988.05 | 263.60 | 3724.45 | 115640.98 |
| 91 | 2032-11 | 3988.05 | 255.37 | 3732.68 | 111908.30 |
| 92 | 2032-12 | 3988.05 | 247.13 | 3740.92 | 108167.38 |
| 93 | 2033-01 | 3988.05 | 238.87 | 3749.18 | 104418.20 |
| 94 | 2033-02 | 3988.05 | 230.59 | 3757.46 | 100660.75 |
| 95 | 2033-03 | 3988.05 | 222.29 | 3765.76 | 96894.99 |
| 96 | 2033-04 | 3988.05 | 213.98 | 3774.07 | 93120.92 |
| 97 | 2033-05 | 3988.05 | 205.64 | 3782.41 | 89338.51 |
| 98 | 2033-06 | 3988.05 | 197.29 | 3790.76 | 85547.75 |
| 99 | 2033-07 | 3988.05 | 188.92 | 3799.13 | 81748.62 |
| 100 | 2033-08 | 3988.05 | 180.53 | 3807.52 | 77941.10 |
| 101 | 2033-09 | 3988.05 | 172.12 | 3815.93 | 74125.17 |
| 102 | 2033-10 | 3988.05 | 163.69 | 3824.36 | 70300.81 |
| 103 | 2033-11 | 3988.05 | 155.25 | 3832.80 | 66468.01 |
| 104 | 2033-12 | 3988.05 | 146.78 | 3841.27 | 62626.75 |
| 105 | 2034-01 | 3988.05 | 138.30 | 3849.75 | 58777.00 |
| 106 | 2034-02 | 3988.05 | 129.80 | 3858.25 | 54918.75 |
| 107 | 2034-03 | 3988.05 | 121.28 | 3866.77 | 51051.98 |
| 108 | 2034-04 | 3988.05 | 112.74 | 3875.31 | 47176.67 |
| 109 | 2034-05 | 3988.05 | 104.18 | 3883.87 | 43292.80 |
| 110 | 2034-06 | 3988.05 | 95.60 | 3892.44 | 39400.36 |
| 111 | 2034-07 | 3988.05 | 87.01 | 3901.04 | 35499.32 |
| 112 | 2034-08 | 3988.05 | 78.39 | 3909.65 | 31589.66 |
| 113 | 2034-09 | 3988.05 | 69.76 | 3918.29 | 27671.37 |
| 114 | 2034-10 | 3988.05 | 61.11 | 3926.94 | 23744.43 |
| 115 | 2034-11 | 3988.05 | 52.44 | 3935.61 | 19808.82 |
| 116 | 2034-12 | 3988.05 | 43.74 | 3944.30 | 15864.51 |
| 117 | 2035-01 | 3988.05 | 35.03 | 3953.01 | 11911.50 |
| 118 | 2035-02 | 3988.05 | 26.30 | 3961.74 | 7949.75 |
| 119 | 2035-03 | 3988.05 | 17.56 | 3970.49 | 3979.26 |
| 120 | 2035-04 | 3988.05 | 8.79 | 3979.26 | 0.00 |
等额本金还款方式：
贷款总额：42万
还款月数：10年
首月还款：4427.5元
每月递减：7.73元
利息总额：5.61万
本息合计：47.61万
节省利息：2452.13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 | 4427.50 | 927.50 | 3500.00 | 416500.00 |
| 2 | 2025-06 | 4419.77 | 919.77 | 3500.00 | 413000.00 |
| 3 | 2025-07 | 4412.04 | 912.04 | 3500.00 | 409500.00 |
| 4 | 2025-08 | 4404.31 | 904.31 | 3500.00 | 406000.00 |
| 5 | 2025-09 | 4396.58 | 896.58 | 3500.00 | 402500.00 |
| 6 | 2025-10 | 4388.85 | 888.85 | 3500.00 | 399000.00 |
| 7 | 2025-11 | 4381.13 | 881.13 | 3500.00 | 395500.00 |
| 8 | 2025-12 | 4373.40 | 873.40 | 3500.00 | 392000.00 |
| 9 | 2026-01 | 4365.67 | 865.67 | 3500.00 | 388500.00 |
| 10 | 2026-02 | 4357.94 | 857.94 | 3500.00 | 385000.00 |
| 11 | 2026-03 | 4350.21 | 850.21 | 3500.00 | 381500.00 |
| 12 | 2026-04 | 4342.48 | 842.48 | 3500.00 | 378000.00 |
| 13 | 2026-05 | 4334.75 | 834.75 | 3500.00 | 374500.00 |
| 14 | 2026-06 | 4327.02 | 827.02 | 3500.00 | 371000.00 |
| 15 | 2026-07 | 4319.29 | 819.29 | 3500.00 | 367500.00 |
| 16 | 2026-08 | 4311.56 | 811.56 | 3500.00 | 364000.00 |
| 17 | 2026-09 | 4303.83 | 803.83 | 3500.00 | 360500.00 |
| 18 | 2026-10 | 4296.10 | 796.10 | 3500.00 | 357000.00 |
| 19 | 2026-11 | 4288.38 | 788.38 | 3500.00 | 353500.00 |
| 20 | 2026-12 | 4280.65 | 780.65 | 3500.00 | 350000.00 |
| 21 | 2027-01 | 4272.92 | 772.92 | 3500.00 | 346500.00 |
| 22 | 2027-02 | 4265.19 | 765.19 | 3500.00 | 343000.00 |
| 23 | 2027-03 | 4257.46 | 757.46 | 3500.00 | 339500.00 |
| 24 | 2027-04 | 4249.73 | 749.73 | 3500.00 | 336000.00 |
| 25 | 2027-05 | 4242.00 | 742.00 | 3500.00 | 332500.00 |
| 26 | 2027-06 | 4234.27 | 734.27 | 3500.00 | 329000.00 |
| 27 | 2027-07 | 4226.54 | 726.54 | 3500.00 | 325500.00 |
| 28 | 2027-08 | 4218.81 | 718.81 | 3500.00 | 322000.00 |
| 29 | 2027-09 | 4211.08 | 711.08 | 3500.00 | 318500.00 |
| 30 | 2027-10 | 4203.35 | 703.35 | 3500.00 | 315000.00 |
| 31 | 2027-11 | 4195.63 | 695.63 | 3500.00 | 311500.00 |
| 32 | 2027-12 | 4187.90 | 687.90 | 3500.00 | 308000.00 |
| 33 | 2028-01 | 4180.17 | 680.17 | 3500.00 | 304500.00 |
| 34 | 2028-02 | 4172.44 | 672.44 | 3500.00 | 301000.00 |
| 35 | 2028-03 | 4164.71 | 664.71 | 3500.00 | 297500.00 |
| 36 | 2028-04 | 4156.98 | 656.98 | 3500.00 | 294000.00 |
| 37 | 2028-05 | 4149.25 | 649.25 | 3500.00 | 290500.00 |
| 38 | 2028-06 | 4141.52 | 641.52 | 3500.00 | 287000.00 |
| 39 | 2028-07 | 4133.79 | 633.79 | 3500.00 | 283500.00 |
| 40 | 2028-08 | 4126.06 | 626.06 | 3500.00 | 280000.00 |
| 41 | 2028-09 | 4118.33 | 618.33 | 3500.00 | 276500.00 |
| 42 | 2028-10 | 4110.60 | 610.60 | 3500.00 | 273000.00 |
| 43 | 2028-11 | 4102.88 | 602.88 | 3500.00 | 269500.00 |
| 44 | 2028-12 | 4095.15 | 595.15 | 3500.00 | 266000.00 |
| 45 | 2029-01 | 4087.42 | 587.42 | 3500.00 | 262500.00 |
| 46 | 2029-02 | 4079.69 | 579.69 | 3500.00 | 259000.00 |
| 47 | 2029-03 | 4071.96 | 571.96 | 3500.00 | 255500.00 |
| 48 | 2029-04 | 4064.23 | 564.23 | 3500.00 | 252000.00 |
| 49 | 2029-05 | 4056.50 | 556.50 | 3500.00 | 248500.00 |
| 50 | 2029-06 | 4048.77 | 548.77 | 3500.00 | 245000.00 |
| 51 | 2029-07 | 4041.04 | 541.04 | 3500.00 | 241500.00 |
| 52 | 2029-08 | 4033.31 | 533.31 | 3500.00 | 238000.00 |
| 53 | 2029-09 | 4025.58 | 525.58 | 3500.00 | 234500.00 |
| 54 | 2029-10 | 4017.85 | 517.85 | 3500.00 | 231000.00 |
| 55 | 2029-11 | 4010.13 | 510.13 | 3500.00 | 227500.00 |
| 56 | 2029-12 | 4002.40 | 502.40 | 3500.00 | 224000.00 |
| 57 | 2030-01 | 3994.67 | 494.67 | 3500.00 | 220500.00 |
| 58 | 2030-02 | 3986.94 | 486.94 | 3500.00 | 217000.00 |
| 59 | 2030-03 | 3979.21 | 479.21 | 3500.00 | 213500.00 |
| 60 | 2030-04 | 3971.48 | 471.48 | 3500.00 | 210000.00 |
| 61 | 2030-05 | 3963.75 | 463.75 | 3500.00 | 206500.00 |
| 62 | 2030-06 | 3956.02 | 456.02 | 3500.00 | 203000.00 |
| 63 | 2030-07 | 3948.29 | 448.29 | 3500.00 | 199500.00 |
| 64 | 2030-08 | 3940.56 | 440.56 | 3500.00 | 196000.00 |
| 65 | 2030-09 | 3932.83 | 432.83 | 3500.00 | 192500.00 |
| 66 | 2030-10 | 3925.10 | 425.10 | 3500.00 | 189000.00 |
| 67 | 2030-11 | 3917.38 | 417.38 | 3500.00 | 185500.00 |
| 68 | 2030-12 | 3909.65 | 409.65 | 3500.00 | 182000.00 |
| 69 | 2031-01 | 3901.92 | 401.92 | 3500.00 | 178500.00 |
| 70 | 2031-02 | 3894.19 | 394.19 | 3500.00 | 175000.00 |
| 71 | 2031-03 | 3886.46 | 386.46 | 3500.00 | 171500.00 |
| 72 | 2031-04 | 3878.73 | 378.73 | 3500.00 | 168000.00 |
| 73 | 2031-05 | 3871.00 | 371.00 | 3500.00 | 164500.00 |
| 74 | 2031-06 | 3863.27 | 363.27 | 3500.00 | 161000.00 |
| 75 | 2031-07 | 3855.54 | 355.54 | 3500.00 | 157500.00 |
| 76 | 2031-08 | 3847.81 | 347.81 | 3500.00 | 154000.00 |
| 77 | 2031-09 | 3840.08 | 340.08 | 3500.00 | 150500.00 |
| 78 | 2031-10 | 3832.35 | 332.35 | 3500.00 | 147000.00 |
| 79 | 2031-11 | 3824.63 | 324.63 | 3500.00 | 143500.00 |
| 80 | 2031-12 | 3816.90 | 316.90 | 3500.00 | 140000.00 |
| 81 | 2032-01 | 3809.17 | 309.17 | 3500.00 | 136500.00 |
| 82 | 2032-02 | 3801.44 | 301.44 | 3500.00 | 133000.00 |
| 83 | 2032-03 | 3793.71 | 293.71 | 3500.00 | 129500.00 |
| 84 | 2032-04 | 3785.98 | 285.98 | 3500.00 | 126000.00 |
| 85 | 2032-05 | 3778.25 | 278.25 | 3500.00 | 122500.00 |
| 86 | 2032-06 | 3770.52 | 270.52 | 3500.00 | 119000.00 |
| 87 | 2032-07 | 3762.79 | 262.79 | 3500.00 | 115500.00 |
| 88 | 2032-08 | 3755.06 | 255.06 | 3500.00 | 112000.00 |
| 89 | 2032-09 | 3747.33 | 247.33 | 3500.00 | 108500.00 |
| 90 | 2032-10 | 3739.60 | 239.60 | 3500.00 | 105000.00 |
| 91 | 2032-11 | 3731.88 | 231.88 | 3500.00 | 101500.00 |
| 92 | 2032-12 | 3724.15 | 224.15 | 3500.00 | 98000.00 |
| 93 | 2033-01 | 3716.42 | 216.42 | 3500.00 | 94500.00 |
| 94 | 2033-02 | 3708.69 | 208.69 | 3500.00 | 91000.00 |
| 95 | 2033-03 | 3700.96 | 200.96 | 3500.00 | 87500.00 |
| 96 | 2033-04 | 3693.23 | 193.23 | 3500.00 | 84000.00 |
| 97 | 2033-05 | 3685.50 | 185.50 | 3500.00 | 80500.00 |
| 98 | 2033-06 | 3677.77 | 177.77 | 3500.00 | 77000.00 |
| 99 | 2033-07 | 3670.04 | 170.04 | 3500.00 | 73500.00 |
| 100 | 2033-08 | 3662.31 | 162.31 | 3500.00 | 70000.00 |
| 101 | 2033-09 | 3654.58 | 154.58 | 3500.00 | 66500.00 |
| 102 | 2033-10 | 3646.85 | 146.85 | 3500.00 | 63000.00 |
| 103 | 2033-11 | 3639.13 | 139.13 | 3500.00 | 59500.00 |
| 104 | 2033-12 | 3631.40 | 131.40 | 3500.00 | 56000.00 |
| 105 | 2034-01 | 3623.67 | 123.67 | 3500.00 | 52500.00 |
| 106 | 2034-02 | 3615.94 | 115.94 | 3500.00 | 49000.00 |
| 107 | 2034-03 | 3608.21 | 108.21 | 3500.00 | 45500.00 |
| 108 | 2034-04 | 3600.48 | 100.48 | 3500.00 | 42000.00 |
| 109 | 2034-05 | 3592.75 | 92.75 | 3500.00 | 38500.00 |
| 110 | 2034-06 | 3585.02 | 85.02 | 3500.00 | 35000.00 |
| 111 | 2034-07 | 3577.29 | 77.29 | 3500.00 | 31500.00 |
| 112 | 2034-08 | 3569.56 | 69.56 | 3500.00 | 28000.00 |
| 113 | 2034-09 | 3561.83 | 61.83 | 3500.00 | 24500.00 |
| 114 | 2034-10 | 3554.10 | 54.10 | 3500.00 | 21000.00 |
| 115 | 2034-11 | 3546.38 | 46.38 | 3500.00 | 17500.00 |
| 116 | 2034-12 | 3538.65 | 38.65 | 3500.00 | 14000.00 |
| 117 | 2035-01 | 3530.92 | 30.92 | 3500.00 | 10500.00 |
| 118 | 2035-02 | 3523.19 | 23.19 | 3500.00 | 7000.00 |
| 119 | 2035-03 | 3515.46 | 15.46 | 3500.00 | 3500.00 |
| 120 | 2035-04 | 3507.73 | 7.73 | 3500.00 | 0.00 |