贷款29.03万（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：29.03万
还款月数：6年
每月还款：4442.5元
利息总额：2.96万
本息合计：31.99万
| 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 | 4442.50 | 786.09 | 3656.41 | 286593.59 |
| 2 | 2025-06 | 4442.50 | 776.19 | 3666.31 | 282927.28 |
| 3 | 2025-07 | 4442.50 | 766.26 | 3676.24 | 279251.04 |
| 4 | 2025-08 | 4442.50 | 756.30 | 3686.20 | 275564.84 |
| 5 | 2025-09 | 4442.50 | 746.32 | 3696.18 | 271868.66 |
| 6 | 2025-10 | 4442.50 | 736.31 | 3706.19 | 268162.47 |
| 7 | 2025-11 | 4442.50 | 726.27 | 3716.23 | 264446.24 |
| 8 | 2025-12 | 4442.50 | 716.21 | 3726.29 | 260719.95 |
| 9 | 2026-01 | 4442.50 | 706.12 | 3736.39 | 256983.56 |
| 10 | 2026-02 | 4442.50 | 696.00 | 3746.50 | 253237.06 |
| 11 | 2026-03 | 4442.50 | 685.85 | 3756.65 | 249480.41 |
| 12 | 2026-04 | 4442.50 | 675.68 | 3766.83 | 245713.58 |
| 13 | 2026-05 | 4442.50 | 665.47 | 3777.03 | 241936.55 |
| 14 | 2026-06 | 4442.50 | 655.24 | 3787.26 | 238149.30 |
| 15 | 2026-07 | 4442.50 | 644.99 | 3797.51 | 234351.78 |
| 16 | 2026-08 | 4442.50 | 634.70 | 3807.80 | 230543.98 |
| 17 | 2026-09 | 4442.50 | 624.39 | 3818.11 | 226725.87 |
| 18 | 2026-10 | 4442.50 | 614.05 | 3828.45 | 222897.42 |
| 19 | 2026-11 | 4442.50 | 603.68 | 3838.82 | 219058.59 |
| 20 | 2026-12 | 4442.50 | 593.28 | 3849.22 | 215209.38 |
| 21 | 2027-01 | 4442.50 | 582.86 | 3859.64 | 211349.73 |
| 22 | 2027-02 | 4442.50 | 572.41 | 3870.10 | 207479.64 |
| 23 | 2027-03 | 4442.50 | 561.92 | 3880.58 | 203599.06 |
| 24 | 2027-04 | 4442.50 | 551.41 | 3891.09 | 199707.97 |
| 25 | 2027-05 | 4442.50 | 540.88 | 3901.63 | 195806.34 |
| 26 | 2027-06 | 4442.50 | 530.31 | 3912.19 | 191894.15 |
| 27 | 2027-07 | 4442.50 | 519.71 | 3922.79 | 187971.36 |
| 28 | 2027-08 | 4442.50 | 509.09 | 3933.41 | 184037.95 |
| 29 | 2027-09 | 4442.50 | 498.44 | 3944.07 | 180093.88 |
| 30 | 2027-10 | 4442.50 | 487.75 | 3954.75 | 176139.14 |
| 31 | 2027-11 | 4442.50 | 477.04 | 3965.46 | 172173.68 |
| 32 | 2027-12 | 4442.50 | 466.30 | 3976.20 | 168197.48 |
| 33 | 2028-01 | 4442.50 | 455.53 | 3986.97 | 164210.51 |
| 34 | 2028-02 | 4442.50 | 444.74 | 3997.77 | 160212.75 |
| 35 | 2028-03 | 4442.50 | 433.91 | 4008.59 | 156204.15 |
| 36 | 2028-04 | 4442.50 | 423.05 | 4019.45 | 152184.70 |
| 37 | 2028-05 | 4442.50 | 412.17 | 4030.34 | 148154.37 |
| 38 | 2028-06 | 4442.50 | 401.25 | 4041.25 | 144113.12 |
| 39 | 2028-07 | 4442.50 | 390.31 | 4052.20 | 140060.92 |
| 40 | 2028-08 | 4442.50 | 379.33 | 4063.17 | 135997.75 |
| 41 | 2028-09 | 4442.50 | 368.33 | 4074.17 | 131923.58 |
| 42 | 2028-10 | 4442.50 | 357.29 | 4085.21 | 127838.37 |
| 43 | 2028-11 | 4442.50 | 346.23 | 4096.27 | 123742.09 |
| 44 | 2028-12 | 4442.50 | 335.13 | 4107.37 | 119634.73 |
| 45 | 2029-01 | 4442.50 | 324.01 | 4118.49 | 115516.24 |
| 46 | 2029-02 | 4442.50 | 312.86 | 4129.65 | 111386.59 |
| 47 | 2029-03 | 4442.50 | 301.67 | 4140.83 | 107245.76 |
| 48 | 2029-04 | 4442.50 | 290.46 | 4152.04 | 103093.72 |
| 49 | 2029-05 | 4442.50 | 279.21 | 4163.29 | 98930.43 |
| 50 | 2029-06 | 4442.50 | 267.94 | 4174.57 | 94755.86 |
| 51 | 2029-07 | 4442.50 | 256.63 | 4185.87 | 90569.99 |
| 52 | 2029-08 | 4442.50 | 245.29 | 4197.21 | 86372.78 |
| 53 | 2029-09 | 4442.50 | 233.93 | 4208.58 | 82164.20 |
| 54 | 2029-10 | 4442.50 | 222.53 | 4219.97 | 77944.23 |
| 55 | 2029-11 | 4442.50 | 211.10 | 4231.40 | 73712.83 |
| 56 | 2029-12 | 4442.50 | 199.64 | 4242.86 | 69469.96 |
| 57 | 2030-01 | 4442.50 | 188.15 | 4254.35 | 65215.61 |
| 58 | 2030-02 | 4442.50 | 176.63 | 4265.88 | 60949.73 |
| 59 | 2030-03 | 4442.50 | 165.07 | 4277.43 | 56672.30 |
| 60 | 2030-04 | 4442.50 | 153.49 | 4289.01 | 52383.29 |
| 61 | 2030-05 | 4442.50 | 141.87 | 4300.63 | 48082.66 |
| 62 | 2030-06 | 4442.50 | 130.22 | 4312.28 | 43770.38 |
| 63 | 2030-07 | 4442.50 | 118.54 | 4323.96 | 39446.42 |
| 64 | 2030-08 | 4442.50 | 106.83 | 4335.67 | 35110.75 |
| 65 | 2030-09 | 4442.50 | 95.09 | 4347.41 | 30763.34 |
| 66 | 2030-10 | 4442.50 | 83.32 | 4359.18 | 26404.16 |
| 67 | 2030-11 | 4442.50 | 71.51 | 4370.99 | 22033.17 |
| 68 | 2030-12 | 4442.50 | 59.67 | 4382.83 | 17650.34 |
| 69 | 2031-01 | 4442.50 | 47.80 | 4394.70 | 13255.64 |
| 70 | 2031-02 | 4442.50 | 35.90 | 4406.60 | 8849.04 |
| 71 | 2031-03 | 4442.50 | 23.97 | 4418.54 | 4430.50 |
| 72 | 2031-04 | 4442.50 | 12.00 | 4430.50 | 0.00 |
等额本金还款方式：
贷款总额：29.03万
还款月数：6年
首月还款：4817.34元
每月递减：10.92元
利息总额：2.87万
本息合计：31.89万
节省利息：917.73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 | 4817.34 | 786.09 | 4031.25 | 286218.75 |
| 2 | 2025-06 | 4806.43 | 775.18 | 4031.25 | 282187.50 |
| 3 | 2025-07 | 4795.51 | 764.26 | 4031.25 | 278156.25 |
| 4 | 2025-08 | 4784.59 | 753.34 | 4031.25 | 274125.00 |
| 5 | 2025-09 | 4773.67 | 742.42 | 4031.25 | 270093.75 |
| 6 | 2025-10 | 4762.75 | 731.50 | 4031.25 | 266062.50 |
| 7 | 2025-11 | 4751.84 | 720.59 | 4031.25 | 262031.25 |
| 8 | 2025-12 | 4740.92 | 709.67 | 4031.25 | 258000.00 |
| 9 | 2026-01 | 4730.00 | 698.75 | 4031.25 | 253968.75 |
| 10 | 2026-02 | 4719.08 | 687.83 | 4031.25 | 249937.50 |
| 11 | 2026-03 | 4708.16 | 676.91 | 4031.25 | 245906.25 |
| 12 | 2026-04 | 4697.25 | 666.00 | 4031.25 | 241875.00 |
| 13 | 2026-05 | 4686.33 | 655.08 | 4031.25 | 237843.75 |
| 14 | 2026-06 | 4675.41 | 644.16 | 4031.25 | 233812.50 |
| 15 | 2026-07 | 4664.49 | 633.24 | 4031.25 | 229781.25 |
| 16 | 2026-08 | 4653.57 | 622.32 | 4031.25 | 225750.00 |
| 17 | 2026-09 | 4642.66 | 611.41 | 4031.25 | 221718.75 |
| 18 | 2026-10 | 4631.74 | 600.49 | 4031.25 | 217687.50 |
| 19 | 2026-11 | 4620.82 | 589.57 | 4031.25 | 213656.25 |
| 20 | 2026-12 | 4609.90 | 578.65 | 4031.25 | 209625.00 |
| 21 | 2027-01 | 4598.98 | 567.73 | 4031.25 | 205593.75 |
| 22 | 2027-02 | 4588.07 | 556.82 | 4031.25 | 201562.50 |
| 23 | 2027-03 | 4577.15 | 545.90 | 4031.25 | 197531.25 |
| 24 | 2027-04 | 4566.23 | 534.98 | 4031.25 | 193500.00 |
| 25 | 2027-05 | 4555.31 | 524.06 | 4031.25 | 189468.75 |
| 26 | 2027-06 | 4544.39 | 513.14 | 4031.25 | 185437.50 |
| 27 | 2027-07 | 4533.48 | 502.23 | 4031.25 | 181406.25 |
| 28 | 2027-08 | 4522.56 | 491.31 | 4031.25 | 177375.00 |
| 29 | 2027-09 | 4511.64 | 480.39 | 4031.25 | 173343.75 |
| 30 | 2027-10 | 4500.72 | 469.47 | 4031.25 | 169312.50 |
| 31 | 2027-11 | 4489.80 | 458.55 | 4031.25 | 165281.25 |
| 32 | 2027-12 | 4478.89 | 447.64 | 4031.25 | 161250.00 |
| 33 | 2028-01 | 4467.97 | 436.72 | 4031.25 | 157218.75 |
| 34 | 2028-02 | 4457.05 | 425.80 | 4031.25 | 153187.50 |
| 35 | 2028-03 | 4446.13 | 414.88 | 4031.25 | 149156.25 |
| 36 | 2028-04 | 4435.21 | 403.96 | 4031.25 | 145125.00 |
| 37 | 2028-05 | 4424.30 | 393.05 | 4031.25 | 141093.75 |
| 38 | 2028-06 | 4413.38 | 382.13 | 4031.25 | 137062.50 |
| 39 | 2028-07 | 4402.46 | 371.21 | 4031.25 | 133031.25 |
| 40 | 2028-08 | 4391.54 | 360.29 | 4031.25 | 129000.00 |
| 41 | 2028-09 | 4380.63 | 349.38 | 4031.25 | 124968.75 |
| 42 | 2028-10 | 4369.71 | 338.46 | 4031.25 | 120937.50 |
| 43 | 2028-11 | 4358.79 | 327.54 | 4031.25 | 116906.25 |
| 44 | 2028-12 | 4347.87 | 316.62 | 4031.25 | 112875.00 |
| 45 | 2029-01 | 4336.95 | 305.70 | 4031.25 | 108843.75 |
| 46 | 2029-02 | 4326.04 | 294.79 | 4031.25 | 104812.50 |
| 47 | 2029-03 | 4315.12 | 283.87 | 4031.25 | 100781.25 |
| 48 | 2029-04 | 4304.20 | 272.95 | 4031.25 | 96750.00 |
| 49 | 2029-05 | 4293.28 | 262.03 | 4031.25 | 92718.75 |
| 50 | 2029-06 | 4282.36 | 251.11 | 4031.25 | 88687.50 |
| 51 | 2029-07 | 4271.45 | 240.20 | 4031.25 | 84656.25 |
| 52 | 2029-08 | 4260.53 | 229.28 | 4031.25 | 80625.00 |
| 53 | 2029-09 | 4249.61 | 218.36 | 4031.25 | 76593.75 |
| 54 | 2029-10 | 4238.69 | 207.44 | 4031.25 | 72562.50 |
| 55 | 2029-11 | 4227.77 | 196.52 | 4031.25 | 68531.25 |
| 56 | 2029-12 | 4216.86 | 185.61 | 4031.25 | 64500.00 |
| 57 | 2030-01 | 4205.94 | 174.69 | 4031.25 | 60468.75 |
| 58 | 2030-02 | 4195.02 | 163.77 | 4031.25 | 56437.50 |
| 59 | 2030-03 | 4184.10 | 152.85 | 4031.25 | 52406.25 |
| 60 | 2030-04 | 4173.18 | 141.93 | 4031.25 | 48375.00 |
| 61 | 2030-05 | 4162.27 | 131.02 | 4031.25 | 44343.75 |
| 62 | 2030-06 | 4151.35 | 120.10 | 4031.25 | 40312.50 |
| 63 | 2030-07 | 4140.43 | 109.18 | 4031.25 | 36281.25 |
| 64 | 2030-08 | 4129.51 | 98.26 | 4031.25 | 32250.00 |
| 65 | 2030-09 | 4118.59 | 87.34 | 4031.25 | 28218.75 |
| 66 | 2030-10 | 4107.68 | 76.43 | 4031.25 | 24187.50 |
| 67 | 2030-11 | 4096.76 | 65.51 | 4031.25 | 20156.25 |
| 68 | 2030-12 | 4085.84 | 54.59 | 4031.25 | 16125.00 |
| 69 | 2031-01 | 4074.92 | 43.67 | 4031.25 | 12093.75 |
| 70 | 2031-02 | 4064.00 | 32.75 | 4031.25 | 8062.50 |
| 71 | 2031-03 | 4053.09 | 21.84 | 4031.25 | 4031.25 |
| 72 | 2031-04 | 4042.17 | 10.92 | 4031.25 | 0.00 |