贷款80元（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：80元
还款月数：6年
每月还款：1.22元
利息总额：8.16元
本息合计：88.16元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 1.22 | 0.22 | 1.01 | 78.99 |
| 2 | 2024-05 | 1.22 | 0.21 | 1.01 | 77.98 |
| 3 | 2024-06 | 1.22 | 0.21 | 1.01 | 76.97 |
| 4 | 2024-07 | 1.22 | 0.21 | 1.02 | 75.95 |
| 5 | 2024-08 | 1.22 | 0.21 | 1.02 | 74.93 |
| 6 | 2024-09 | 1.22 | 0.20 | 1.02 | 73.91 |
| 7 | 2024-10 | 1.22 | 0.20 | 1.02 | 72.89 |
| 8 | 2024-11 | 1.22 | 0.20 | 1.03 | 71.86 |
| 9 | 2024-12 | 1.22 | 0.19 | 1.03 | 70.83 |
| 10 | 2025-01 | 1.22 | 0.19 | 1.03 | 69.80 |
| 11 | 2025-02 | 1.22 | 0.19 | 1.04 | 68.76 |
| 12 | 2025-03 | 1.22 | 0.19 | 1.04 | 67.72 |
| 13 | 2025-04 | 1.22 | 0.18 | 1.04 | 66.68 |
| 14 | 2025-05 | 1.22 | 0.18 | 1.04 | 65.64 |
| 15 | 2025-06 | 1.22 | 0.18 | 1.05 | 64.59 |
| 16 | 2025-07 | 1.22 | 0.17 | 1.05 | 63.54 |
| 17 | 2025-08 | 1.22 | 0.17 | 1.05 | 62.49 |
| 18 | 2025-09 | 1.22 | 0.17 | 1.06 | 61.44 |
| 19 | 2025-10 | 1.22 | 0.17 | 1.06 | 60.38 |
| 20 | 2025-11 | 1.22 | 0.16 | 1.06 | 59.32 |
| 21 | 2025-12 | 1.22 | 0.16 | 1.06 | 58.25 |
| 22 | 2026-01 | 1.22 | 0.16 | 1.07 | 57.19 |
| 23 | 2026-02 | 1.22 | 0.15 | 1.07 | 56.12 |
| 24 | 2026-03 | 1.22 | 0.15 | 1.07 | 55.04 |
| 25 | 2026-04 | 1.22 | 0.15 | 1.08 | 53.97 |
| 26 | 2026-05 | 1.22 | 0.15 | 1.08 | 52.89 |
| 27 | 2026-06 | 1.22 | 0.14 | 1.08 | 51.81 |
| 28 | 2026-07 | 1.22 | 0.14 | 1.08 | 50.73 |
| 29 | 2026-08 | 1.22 | 0.14 | 1.09 | 49.64 |
| 30 | 2026-09 | 1.22 | 0.13 | 1.09 | 48.55 |
| 31 | 2026-10 | 1.22 | 0.13 | 1.09 | 47.46 |
| 32 | 2026-11 | 1.22 | 0.13 | 1.10 | 46.36 |
| 33 | 2026-12 | 1.22 | 0.13 | 1.10 | 45.26 |
| 34 | 2027-01 | 1.22 | 0.12 | 1.10 | 44.16 |
| 35 | 2027-02 | 1.22 | 0.12 | 1.10 | 43.05 |
| 36 | 2027-03 | 1.22 | 0.12 | 1.11 | 41.95 |
| 37 | 2027-04 | 1.22 | 0.11 | 1.11 | 40.83 |
| 38 | 2027-05 | 1.22 | 0.11 | 1.11 | 39.72 |
| 39 | 2027-06 | 1.22 | 0.11 | 1.12 | 38.60 |
| 40 | 2027-07 | 1.22 | 0.10 | 1.12 | 37.48 |
| 41 | 2027-08 | 1.22 | 0.10 | 1.12 | 36.36 |
| 42 | 2027-09 | 1.22 | 0.10 | 1.13 | 35.24 |
| 43 | 2027-10 | 1.22 | 0.10 | 1.13 | 34.11 |
| 44 | 2027-11 | 1.22 | 0.09 | 1.13 | 32.97 |
| 45 | 2027-12 | 1.22 | 0.09 | 1.14 | 31.84 |
| 46 | 2028-01 | 1.22 | 0.09 | 1.14 | 30.70 |
| 47 | 2028-02 | 1.22 | 0.08 | 1.14 | 29.56 |
| 48 | 2028-03 | 1.22 | 0.08 | 1.14 | 28.42 |
| 49 | 2028-04 | 1.22 | 0.08 | 1.15 | 27.27 |
| 50 | 2028-05 | 1.22 | 0.07 | 1.15 | 26.12 |
| 51 | 2028-06 | 1.22 | 0.07 | 1.15 | 24.96 |
| 52 | 2028-07 | 1.22 | 0.07 | 1.16 | 23.81 |
| 53 | 2028-08 | 1.22 | 0.06 | 1.16 | 22.65 |
| 54 | 2028-09 | 1.22 | 0.06 | 1.16 | 21.48 |
| 55 | 2028-10 | 1.22 | 0.06 | 1.17 | 20.32 |
| 56 | 2028-11 | 1.22 | 0.06 | 1.17 | 19.15 |
| 57 | 2028-12 | 1.22 | 0.05 | 1.17 | 17.98 |
| 58 | 2029-01 | 1.22 | 0.05 | 1.18 | 16.80 |
| 59 | 2029-02 | 1.22 | 0.05 | 1.18 | 15.62 |
| 60 | 2029-03 | 1.22 | 0.04 | 1.18 | 14.44 |
| 61 | 2029-04 | 1.22 | 0.04 | 1.19 | 13.25 |
| 62 | 2029-05 | 1.22 | 0.04 | 1.19 | 12.06 |
| 63 | 2029-06 | 1.22 | 0.03 | 1.19 | 10.87 |
| 64 | 2029-07 | 1.22 | 0.03 | 1.20 | 9.68 |
| 65 | 2029-08 | 1.22 | 0.03 | 1.20 | 8.48 |
| 66 | 2029-09 | 1.22 | 0.02 | 1.20 | 7.28 |
| 67 | 2029-10 | 1.22 | 0.02 | 1.20 | 6.07 |
| 68 | 2029-11 | 1.22 | 0.02 | 1.21 | 4.86 |
| 69 | 2029-12 | 1.22 | 0.01 | 1.21 | 3.65 |
| 70 | 2030-01 | 1.22 | 0.01 | 1.21 | 2.44 |
| 71 | 2030-02 | 1.22 | 0.01 | 1.22 | 1.22 |
| 72 | 2030-03 | 1.22 | 0.00 | 1.22 | 0.00 |
等额本金还款方式：
贷款总额：80元
还款月数：6年
首月还款：1.33元
每月递减：0元
利息总额：7.91元
本息合计：87.91元
节省利息：0.25元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 1.33 | 0.22 | 1.11 | 78.89 |
| 2 | 2024-05 | 1.32 | 0.21 | 1.11 | 77.78 |
| 3 | 2024-06 | 1.32 | 0.21 | 1.11 | 76.67 |
| 4 | 2024-07 | 1.32 | 0.21 | 1.11 | 75.56 |
| 5 | 2024-08 | 1.32 | 0.20 | 1.11 | 74.44 |
| 6 | 2024-09 | 1.31 | 0.20 | 1.11 | 73.33 |
| 7 | 2024-10 | 1.31 | 0.20 | 1.11 | 72.22 |
| 8 | 2024-11 | 1.31 | 0.20 | 1.11 | 71.11 |
| 9 | 2024-12 | 1.30 | 0.19 | 1.11 | 70.00 |
| 10 | 2025-01 | 1.30 | 0.19 | 1.11 | 68.89 |
| 11 | 2025-02 | 1.30 | 0.19 | 1.11 | 67.78 |
| 12 | 2025-03 | 1.29 | 0.18 | 1.11 | 66.67 |
| 13 | 2025-04 | 1.29 | 0.18 | 1.11 | 65.56 |
| 14 | 2025-05 | 1.29 | 0.18 | 1.11 | 64.44 |
| 15 | 2025-06 | 1.29 | 0.17 | 1.11 | 63.33 |
| 16 | 2025-07 | 1.28 | 0.17 | 1.11 | 62.22 |
| 17 | 2025-08 | 1.28 | 0.17 | 1.11 | 61.11 |
| 18 | 2025-09 | 1.28 | 0.17 | 1.11 | 60.00 |
| 19 | 2025-10 | 1.27 | 0.16 | 1.11 | 58.89 |
| 20 | 2025-11 | 1.27 | 0.16 | 1.11 | 57.78 |
| 21 | 2025-12 | 1.27 | 0.16 | 1.11 | 56.67 |
| 22 | 2026-01 | 1.26 | 0.15 | 1.11 | 55.56 |
| 23 | 2026-02 | 1.26 | 0.15 | 1.11 | 54.44 |
| 24 | 2026-03 | 1.26 | 0.15 | 1.11 | 53.33 |
| 25 | 2026-04 | 1.26 | 0.14 | 1.11 | 52.22 |
| 26 | 2026-05 | 1.25 | 0.14 | 1.11 | 51.11 |
| 27 | 2026-06 | 1.25 | 0.14 | 1.11 | 50.00 |
| 28 | 2026-07 | 1.25 | 0.14 | 1.11 | 48.89 |
| 29 | 2026-08 | 1.24 | 0.13 | 1.11 | 47.78 |
| 30 | 2026-09 | 1.24 | 0.13 | 1.11 | 46.67 |
| 31 | 2026-10 | 1.24 | 0.13 | 1.11 | 45.56 |
| 32 | 2026-11 | 1.23 | 0.12 | 1.11 | 44.44 |
| 33 | 2026-12 | 1.23 | 0.12 | 1.11 | 43.33 |
| 34 | 2027-01 | 1.23 | 0.12 | 1.11 | 42.22 |
| 35 | 2027-02 | 1.23 | 0.11 | 1.11 | 41.11 |
| 36 | 2027-03 | 1.22 | 0.11 | 1.11 | 40.00 |
| 37 | 2027-04 | 1.22 | 0.11 | 1.11 | 38.89 |
| 38 | 2027-05 | 1.22 | 0.11 | 1.11 | 37.78 |
| 39 | 2027-06 | 1.21 | 0.10 | 1.11 | 36.67 |
| 40 | 2027-07 | 1.21 | 0.10 | 1.11 | 35.56 |
| 41 | 2027-08 | 1.21 | 0.10 | 1.11 | 34.44 |
| 42 | 2027-09 | 1.20 | 0.09 | 1.11 | 33.33 |
| 43 | 2027-10 | 1.20 | 0.09 | 1.11 | 32.22 |
| 44 | 2027-11 | 1.20 | 0.09 | 1.11 | 31.11 |
| 45 | 2027-12 | 1.20 | 0.08 | 1.11 | 30.00 |
| 46 | 2028-01 | 1.19 | 0.08 | 1.11 | 28.89 |
| 47 | 2028-02 | 1.19 | 0.08 | 1.11 | 27.78 |
| 48 | 2028-03 | 1.19 | 0.08 | 1.11 | 26.67 |
| 49 | 2028-04 | 1.18 | 0.07 | 1.11 | 25.56 |
| 50 | 2028-05 | 1.18 | 0.07 | 1.11 | 24.44 |
| 51 | 2028-06 | 1.18 | 0.07 | 1.11 | 23.33 |
| 52 | 2028-07 | 1.17 | 0.06 | 1.11 | 22.22 |
| 53 | 2028-08 | 1.17 | 0.06 | 1.11 | 21.11 |
| 54 | 2028-09 | 1.17 | 0.06 | 1.11 | 20.00 |
| 55 | 2028-10 | 1.17 | 0.05 | 1.11 | 18.89 |
| 56 | 2028-11 | 1.16 | 0.05 | 1.11 | 17.78 |
| 57 | 2028-12 | 1.16 | 0.05 | 1.11 | 16.67 |
| 58 | 2029-01 | 1.16 | 0.05 | 1.11 | 15.56 |
| 59 | 2029-02 | 1.15 | 0.04 | 1.11 | 14.44 |
| 60 | 2029-03 | 1.15 | 0.04 | 1.11 | 13.33 |
| 61 | 2029-04 | 1.15 | 0.04 | 1.11 | 12.22 |
| 62 | 2029-05 | 1.14 | 0.03 | 1.11 | 11.11 |
| 63 | 2029-06 | 1.14 | 0.03 | 1.11 | 10.00 |
| 64 | 2029-07 | 1.14 | 0.03 | 1.11 | 8.89 |
| 65 | 2029-08 | 1.14 | 0.02 | 1.11 | 7.78 |
| 66 | 2029-09 | 1.13 | 0.02 | 1.11 | 6.67 |
| 67 | 2029-10 | 1.13 | 0.02 | 1.11 | 5.56 |
| 68 | 2029-11 | 1.13 | 0.02 | 1.11 | 4.44 |
| 69 | 2029-12 | 1.12 | 0.01 | 1.11 | 3.33 |
| 70 | 2030-01 | 1.12 | 0.01 | 1.11 | 2.22 |
| 71 | 2030-02 | 1.12 | 0.01 | 1.11 | 1.11 |
| 72 | 2030-03 | 1.11 | 0.00 | 1.11 | 0.00 |