贷款48万（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：48万
还款月数：8年
每月还款：5684.86元
利息总额：6.57万
本息合计：54.57万
| 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 | 5684.86 | 1300.00 | 4384.86 | 475615.14 |
| 2 | 2025-06 | 5684.86 | 1288.12 | 4396.74 | 471218.39 |
| 3 | 2025-07 | 5684.86 | 1276.22 | 4408.65 | 466809.75 |
| 4 | 2025-08 | 5684.86 | 1264.28 | 4420.59 | 462389.16 |
| 5 | 2025-09 | 5684.86 | 1252.30 | 4432.56 | 457956.60 |
| 6 | 2025-10 | 5684.86 | 1240.30 | 4444.57 | 453512.03 |
| 7 | 2025-11 | 5684.86 | 1228.26 | 4456.60 | 449055.43 |
| 8 | 2025-12 | 5684.86 | 1216.19 | 4468.67 | 444586.76 |
| 9 | 2026-01 | 5684.86 | 1204.09 | 4480.78 | 440105.98 |
| 10 | 2026-02 | 5684.86 | 1191.95 | 4492.91 | 435613.07 |
| 11 | 2026-03 | 5684.86 | 1179.79 | 4505.08 | 431107.99 |
| 12 | 2026-04 | 5684.86 | 1167.58 | 4517.28 | 426590.71 |
| 13 | 2026-05 | 5684.86 | 1155.35 | 4529.51 | 422061.19 |
| 14 | 2026-06 | 5684.86 | 1143.08 | 4541.78 | 417519.41 |
| 15 | 2026-07 | 5684.86 | 1130.78 | 4554.08 | 412965.33 |
| 16 | 2026-08 | 5684.86 | 1118.45 | 4566.42 | 408398.91 |
| 17 | 2026-09 | 5684.86 | 1106.08 | 4578.78 | 403820.13 |
| 18 | 2026-10 | 5684.86 | 1093.68 | 4591.19 | 399228.94 |
| 19 | 2026-11 | 5684.86 | 1081.25 | 4603.62 | 394625.32 |
| 20 | 2026-12 | 5684.86 | 1068.78 | 4616.09 | 390009.23 |
| 21 | 2027-01 | 5684.86 | 1056.28 | 4628.59 | 385380.64 |
| 22 | 2027-02 | 5684.86 | 1043.74 | 4641.13 | 380739.52 |
| 23 | 2027-03 | 5684.86 | 1031.17 | 4653.70 | 376085.82 |
| 24 | 2027-04 | 5684.86 | 1018.57 | 4666.30 | 371419.52 |
| 25 | 2027-05 | 5684.86 | 1005.93 | 4678.94 | 366740.59 |
| 26 | 2027-06 | 5684.86 | 993.26 | 4691.61 | 362048.98 |
| 27 | 2027-07 | 5684.86 | 980.55 | 4704.32 | 357344.66 |
| 28 | 2027-08 | 5684.86 | 967.81 | 4717.06 | 352627.61 |
| 29 | 2027-09 | 5684.86 | 955.03 | 4729.83 | 347897.77 |
| 30 | 2027-10 | 5684.86 | 942.22 | 4742.64 | 343155.13 |
| 31 | 2027-11 | 5684.86 | 929.38 | 4755.49 | 338399.65 |
| 32 | 2027-12 | 5684.86 | 916.50 | 4768.37 | 333631.28 |
| 33 | 2028-01 | 5684.86 | 903.58 | 4781.28 | 328850.00 |
| 34 | 2028-02 | 5684.86 | 890.64 | 4794.23 | 324055.77 |
| 35 | 2028-03 | 5684.86 | 877.65 | 4807.21 | 319248.56 |
| 36 | 2028-04 | 5684.86 | 864.63 | 4820.23 | 314428.32 |
| 37 | 2028-05 | 5684.86 | 851.58 | 4833.29 | 309595.04 |
| 38 | 2028-06 | 5684.86 | 838.49 | 4846.38 | 304748.66 |
| 39 | 2028-07 | 5684.86 | 825.36 | 4859.50 | 299889.15 |
| 40 | 2028-08 | 5684.86 | 812.20 | 4872.67 | 295016.49 |
| 41 | 2028-09 | 5684.86 | 799.00 | 4885.86 | 290130.63 |
| 42 | 2028-10 | 5684.86 | 785.77 | 4899.09 | 285231.53 |
| 43 | 2028-11 | 5684.86 | 772.50 | 4912.36 | 280319.17 |
| 44 | 2028-12 | 5684.86 | 759.20 | 4925.67 | 275393.50 |
| 45 | 2029-01 | 5684.86 | 745.86 | 4939.01 | 270454.49 |
| 46 | 2029-02 | 5684.86 | 732.48 | 4952.38 | 265502.11 |
| 47 | 2029-03 | 5684.86 | 719.07 | 4965.80 | 260536.31 |
| 48 | 2029-04 | 5684.86 | 705.62 | 4979.25 | 255557.07 |
| 49 | 2029-05 | 5684.86 | 692.13 | 4992.73 | 250564.34 |
| 50 | 2029-06 | 5684.86 | 678.61 | 5006.25 | 245558.08 |
| 51 | 2029-07 | 5684.86 | 665.05 | 5019.81 | 240538.27 |
| 52 | 2029-08 | 5684.86 | 651.46 | 5033.41 | 235504.87 |
| 53 | 2029-09 | 5684.86 | 637.83 | 5047.04 | 230457.83 |
| 54 | 2029-10 | 5684.86 | 624.16 | 5060.71 | 225397.12 |
| 55 | 2029-11 | 5684.86 | 610.45 | 5074.41 | 220322.70 |
| 56 | 2029-12 | 5684.86 | 596.71 | 5088.16 | 215234.55 |
| 57 | 2030-01 | 5684.86 | 582.93 | 5101.94 | 210132.61 |
| 58 | 2030-02 | 5684.86 | 569.11 | 5115.76 | 205016.85 |
| 59 | 2030-03 | 5684.86 | 555.25 | 5129.61 | 199887.24 |
| 60 | 2030-04 | 5684.86 | 541.36 | 5143.50 | 194743.74 |
| 61 | 2030-05 | 5684.86 | 527.43 | 5157.43 | 189586.31 |
| 62 | 2030-06 | 5684.86 | 513.46 | 5171.40 | 184414.90 |
| 63 | 2030-07 | 5684.86 | 499.46 | 5185.41 | 179229.50 |
| 64 | 2030-08 | 5684.86 | 485.41 | 5199.45 | 174030.04 |
| 65 | 2030-09 | 5684.86 | 471.33 | 5213.53 | 168816.51 |
| 66 | 2030-10 | 5684.86 | 457.21 | 5227.65 | 163588.86 |
| 67 | 2030-11 | 5684.86 | 443.05 | 5241.81 | 158347.05 |
| 68 | 2030-12 | 5684.86 | 428.86 | 5256.01 | 153091.04 |
| 69 | 2031-01 | 5684.86 | 414.62 | 5270.24 | 147820.79 |
| 70 | 2031-02 | 5684.86 | 400.35 | 5284.52 | 142536.28 |
| 71 | 2031-03 | 5684.86 | 386.04 | 5298.83 | 137237.45 |
| 72 | 2031-04 | 5684.86 | 371.68 | 5313.18 | 131924.27 |
| 73 | 2031-05 | 5684.86 | 357.29 | 5327.57 | 126596.70 |
| 74 | 2031-06 | 5684.86 | 342.87 | 5342.00 | 121254.70 |
| 75 | 2031-07 | 5684.86 | 328.40 | 5356.47 | 115898.23 |
| 76 | 2031-08 | 5684.86 | 313.89 | 5370.97 | 110527.26 |
| 77 | 2031-09 | 5684.86 | 299.34 | 5385.52 | 105141.74 |
| 78 | 2031-10 | 5684.86 | 284.76 | 5400.11 | 99741.63 |
| 79 | 2031-11 | 5684.86 | 270.13 | 5414.73 | 94326.90 |
| 80 | 2031-12 | 5684.86 | 255.47 | 5429.40 | 88897.51 |
| 81 | 2032-01 | 5684.86 | 240.76 | 5444.10 | 83453.40 |
| 82 | 2032-02 | 5684.86 | 226.02 | 5458.85 | 77994.56 |
| 83 | 2032-03 | 5684.86 | 211.24 | 5473.63 | 72520.93 |
| 84 | 2032-04 | 5684.86 | 196.41 | 5488.45 | 67032.48 |
| 85 | 2032-05 | 5684.86 | 181.55 | 5503.32 | 61529.16 |
| 86 | 2032-06 | 5684.86 | 166.64 | 5518.22 | 56010.93 |
| 87 | 2032-07 | 5684.86 | 151.70 | 5533.17 | 50477.77 |
| 88 | 2032-08 | 5684.86 | 136.71 | 5548.15 | 44929.61 |
| 89 | 2032-09 | 5684.86 | 121.68 | 5563.18 | 39366.43 |
| 90 | 2032-10 | 5684.86 | 106.62 | 5578.25 | 33788.18 |
| 91 | 2032-11 | 5684.86 | 91.51 | 5593.36 | 28194.83 |
| 92 | 2032-12 | 5684.86 | 76.36 | 5608.50 | 22586.32 |
| 93 | 2033-01 | 5684.86 | 61.17 | 5623.69 | 16962.63 |
| 94 | 2033-02 | 5684.86 | 45.94 | 5638.92 | 11323.71 |
| 95 | 2033-03 | 5684.86 | 30.67 | 5654.20 | 5669.51 |
| 96 | 2033-04 | 5684.86 | 15.35 | 5669.51 | 0.00 |
等额本金还款方式：
贷款总额：48万
还款月数：8年
首月还款：6300元
每月递减：13.54元
利息总额：6.31万
本息合计：54.31万
节省利息：2697.02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 | 6300.00 | 1300.00 | 5000.00 | 475000.00 |
| 2 | 2025-06 | 6286.46 | 1286.46 | 5000.00 | 470000.00 |
| 3 | 2025-07 | 6272.92 | 1272.92 | 5000.00 | 465000.00 |
| 4 | 2025-08 | 6259.38 | 1259.38 | 5000.00 | 460000.00 |
| 5 | 2025-09 | 6245.83 | 1245.83 | 5000.00 | 455000.00 |
| 6 | 2025-10 | 6232.29 | 1232.29 | 5000.00 | 450000.00 |
| 7 | 2025-11 | 6218.75 | 1218.75 | 5000.00 | 445000.00 |
| 8 | 2025-12 | 6205.21 | 1205.21 | 5000.00 | 440000.00 |
| 9 | 2026-01 | 6191.67 | 1191.67 | 5000.00 | 435000.00 |
| 10 | 2026-02 | 6178.13 | 1178.13 | 5000.00 | 430000.00 |
| 11 | 2026-03 | 6164.58 | 1164.58 | 5000.00 | 425000.00 |
| 12 | 2026-04 | 6151.04 | 1151.04 | 5000.00 | 420000.00 |
| 13 | 2026-05 | 6137.50 | 1137.50 | 5000.00 | 415000.00 |
| 14 | 2026-06 | 6123.96 | 1123.96 | 5000.00 | 410000.00 |
| 15 | 2026-07 | 6110.42 | 1110.42 | 5000.00 | 405000.00 |
| 16 | 2026-08 | 6096.88 | 1096.88 | 5000.00 | 400000.00 |
| 17 | 2026-09 | 6083.33 | 1083.33 | 5000.00 | 395000.00 |
| 18 | 2026-10 | 6069.79 | 1069.79 | 5000.00 | 390000.00 |
| 19 | 2026-11 | 6056.25 | 1056.25 | 5000.00 | 385000.00 |
| 20 | 2026-12 | 6042.71 | 1042.71 | 5000.00 | 380000.00 |
| 21 | 2027-01 | 6029.17 | 1029.17 | 5000.00 | 375000.00 |
| 22 | 2027-02 | 6015.63 | 1015.63 | 5000.00 | 370000.00 |
| 23 | 2027-03 | 6002.08 | 1002.08 | 5000.00 | 365000.00 |
| 24 | 2027-04 | 5988.54 | 988.54 | 5000.00 | 360000.00 |
| 25 | 2027-05 | 5975.00 | 975.00 | 5000.00 | 355000.00 |
| 26 | 2027-06 | 5961.46 | 961.46 | 5000.00 | 350000.00 |
| 27 | 2027-07 | 5947.92 | 947.92 | 5000.00 | 345000.00 |
| 28 | 2027-08 | 5934.38 | 934.38 | 5000.00 | 340000.00 |
| 29 | 2027-09 | 5920.83 | 920.83 | 5000.00 | 335000.00 |
| 30 | 2027-10 | 5907.29 | 907.29 | 5000.00 | 330000.00 |
| 31 | 2027-11 | 5893.75 | 893.75 | 5000.00 | 325000.00 |
| 32 | 2027-12 | 5880.21 | 880.21 | 5000.00 | 320000.00 |
| 33 | 2028-01 | 5866.67 | 866.67 | 5000.00 | 315000.00 |
| 34 | 2028-02 | 5853.13 | 853.13 | 5000.00 | 310000.00 |
| 35 | 2028-03 | 5839.58 | 839.58 | 5000.00 | 305000.00 |
| 36 | 2028-04 | 5826.04 | 826.04 | 5000.00 | 300000.00 |
| 37 | 2028-05 | 5812.50 | 812.50 | 5000.00 | 295000.00 |
| 38 | 2028-06 | 5798.96 | 798.96 | 5000.00 | 290000.00 |
| 39 | 2028-07 | 5785.42 | 785.42 | 5000.00 | 285000.00 |
| 40 | 2028-08 | 5771.88 | 771.88 | 5000.00 | 280000.00 |
| 41 | 2028-09 | 5758.33 | 758.33 | 5000.00 | 275000.00 |
| 42 | 2028-10 | 5744.79 | 744.79 | 5000.00 | 270000.00 |
| 43 | 2028-11 | 5731.25 | 731.25 | 5000.00 | 265000.00 |
| 44 | 2028-12 | 5717.71 | 717.71 | 5000.00 | 260000.00 |
| 45 | 2029-01 | 5704.17 | 704.17 | 5000.00 | 255000.00 |
| 46 | 2029-02 | 5690.63 | 690.63 | 5000.00 | 250000.00 |
| 47 | 2029-03 | 5677.08 | 677.08 | 5000.00 | 245000.00 |
| 48 | 2029-04 | 5663.54 | 663.54 | 5000.00 | 240000.00 |
| 49 | 2029-05 | 5650.00 | 650.00 | 5000.00 | 235000.00 |
| 50 | 2029-06 | 5636.46 | 636.46 | 5000.00 | 230000.00 |
| 51 | 2029-07 | 5622.92 | 622.92 | 5000.00 | 225000.00 |
| 52 | 2029-08 | 5609.38 | 609.38 | 5000.00 | 220000.00 |
| 53 | 2029-09 | 5595.83 | 595.83 | 5000.00 | 215000.00 |
| 54 | 2029-10 | 5582.29 | 582.29 | 5000.00 | 210000.00 |
| 55 | 2029-11 | 5568.75 | 568.75 | 5000.00 | 205000.00 |
| 56 | 2029-12 | 5555.21 | 555.21 | 5000.00 | 200000.00 |
| 57 | 2030-01 | 5541.67 | 541.67 | 5000.00 | 195000.00 |
| 58 | 2030-02 | 5528.13 | 528.13 | 5000.00 | 190000.00 |
| 59 | 2030-03 | 5514.58 | 514.58 | 5000.00 | 185000.00 |
| 60 | 2030-04 | 5501.04 | 501.04 | 5000.00 | 180000.00 |
| 61 | 2030-05 | 5487.50 | 487.50 | 5000.00 | 175000.00 |
| 62 | 2030-06 | 5473.96 | 473.96 | 5000.00 | 170000.00 |
| 63 | 2030-07 | 5460.42 | 460.42 | 5000.00 | 165000.00 |
| 64 | 2030-08 | 5446.88 | 446.88 | 5000.00 | 160000.00 |
| 65 | 2030-09 | 5433.33 | 433.33 | 5000.00 | 155000.00 |
| 66 | 2030-10 | 5419.79 | 419.79 | 5000.00 | 150000.00 |
| 67 | 2030-11 | 5406.25 | 406.25 | 5000.00 | 145000.00 |
| 68 | 2030-12 | 5392.71 | 392.71 | 5000.00 | 140000.00 |
| 69 | 2031-01 | 5379.17 | 379.17 | 5000.00 | 135000.00 |
| 70 | 2031-02 | 5365.63 | 365.63 | 5000.00 | 130000.00 |
| 71 | 2031-03 | 5352.08 | 352.08 | 5000.00 | 125000.00 |
| 72 | 2031-04 | 5338.54 | 338.54 | 5000.00 | 120000.00 |
| 73 | 2031-05 | 5325.00 | 325.00 | 5000.00 | 115000.00 |
| 74 | 2031-06 | 5311.46 | 311.46 | 5000.00 | 110000.00 |
| 75 | 2031-07 | 5297.92 | 297.92 | 5000.00 | 105000.00 |
| 76 | 2031-08 | 5284.38 | 284.38 | 5000.00 | 100000.00 |
| 77 | 2031-09 | 5270.83 | 270.83 | 5000.00 | 95000.00 |
| 78 | 2031-10 | 5257.29 | 257.29 | 5000.00 | 90000.00 |
| 79 | 2031-11 | 5243.75 | 243.75 | 5000.00 | 85000.00 |
| 80 | 2031-12 | 5230.21 | 230.21 | 5000.00 | 80000.00 |
| 81 | 2032-01 | 5216.67 | 216.67 | 5000.00 | 75000.00 |
| 82 | 2032-02 | 5203.13 | 203.13 | 5000.00 | 70000.00 |
| 83 | 2032-03 | 5189.58 | 189.58 | 5000.00 | 65000.00 |
| 84 | 2032-04 | 5176.04 | 176.04 | 5000.00 | 60000.00 |
| 85 | 2032-05 | 5162.50 | 162.50 | 5000.00 | 55000.00 |
| 86 | 2032-06 | 5148.96 | 148.96 | 5000.00 | 50000.00 |
| 87 | 2032-07 | 5135.42 | 135.42 | 5000.00 | 45000.00 |
| 88 | 2032-08 | 5121.88 | 121.88 | 5000.00 | 40000.00 |
| 89 | 2032-09 | 5108.33 | 108.33 | 5000.00 | 35000.00 |
| 90 | 2032-10 | 5094.79 | 94.79 | 5000.00 | 30000.00 |
| 91 | 2032-11 | 5081.25 | 81.25 | 5000.00 | 25000.00 |
| 92 | 2032-12 | 5067.71 | 67.71 | 5000.00 | 20000.00 |
| 93 | 2033-01 | 5054.17 | 54.17 | 5000.00 | 15000.00 |
| 94 | 2033-02 | 5040.63 | 40.63 | 5000.00 | 10000.00 |
| 95 | 2033-03 | 5027.08 | 27.08 | 5000.00 | 5000.00 |
| 96 | 2033-04 | 5013.54 | 13.54 | 5000.00 | 0.00 |