贷款21万（公积金贷款）房贷，还款6年4个月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：21万
还款月数：6年4个月
每月还款：2999.88元
利息总额：1.8万
本息合计：22.8万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 2999.88 | 455.00 | 2544.88 | 207455.12 |
| 2 | 2025-07 | 2999.88 | 449.49 | 2550.40 | 204904.72 |
| 3 | 2025-08 | 2999.88 | 443.96 | 2555.92 | 202348.79 |
| 4 | 2025-09 | 2999.88 | 438.42 | 2561.46 | 199787.33 |
| 5 | 2025-10 | 2999.88 | 432.87 | 2567.01 | 197220.32 |
| 6 | 2025-11 | 2999.88 | 427.31 | 2572.57 | 194647.75 |
| 7 | 2025-12 | 2999.88 | 421.74 | 2578.15 | 192069.60 |
| 8 | 2026-01 | 2999.88 | 416.15 | 2583.73 | 189485.87 |
| 9 | 2026-02 | 2999.88 | 410.55 | 2589.33 | 186896.53 |
| 10 | 2026-03 | 2999.88 | 404.94 | 2594.94 | 184301.59 |
| 11 | 2026-04 | 2999.88 | 399.32 | 2600.56 | 181701.03 |
| 12 | 2026-05 | 2999.88 | 393.69 | 2606.20 | 179094.83 |
| 13 | 2026-06 | 2999.88 | 388.04 | 2611.85 | 176482.98 |
| 14 | 2026-07 | 2999.88 | 382.38 | 2617.50 | 173865.48 |
| 15 | 2026-08 | 2999.88 | 376.71 | 2623.18 | 171242.30 |
| 16 | 2026-09 | 2999.88 | 371.02 | 2628.86 | 168613.44 |
| 17 | 2026-10 | 2999.88 | 365.33 | 2634.56 | 165978.89 |
| 18 | 2026-11 | 2999.88 | 359.62 | 2640.26 | 163338.63 |
| 19 | 2026-12 | 2999.88 | 353.90 | 2645.98 | 160692.64 |
| 20 | 2027-01 | 2999.88 | 348.17 | 2651.72 | 158040.92 |
| 21 | 2027-02 | 2999.88 | 342.42 | 2657.46 | 155383.46 |
| 22 | 2027-03 | 2999.88 | 336.66 | 2663.22 | 152720.24 |
| 23 | 2027-04 | 2999.88 | 330.89 | 2668.99 | 150051.25 |
| 24 | 2027-05 | 2999.88 | 325.11 | 2674.77 | 147376.48 |
| 25 | 2027-06 | 2999.88 | 319.32 | 2680.57 | 144695.91 |
| 26 | 2027-07 | 2999.88 | 313.51 | 2686.38 | 142009.53 |
| 27 | 2027-08 | 2999.88 | 307.69 | 2692.20 | 139317.34 |
| 28 | 2027-09 | 2999.88 | 301.85 | 2698.03 | 136619.31 |
| 29 | 2027-10 | 2999.88 | 296.01 | 2703.88 | 133915.43 |
| 30 | 2027-11 | 2999.88 | 290.15 | 2709.73 | 131205.70 |
| 31 | 2027-12 | 2999.88 | 284.28 | 2715.61 | 128490.09 |
| 32 | 2028-01 | 2999.88 | 278.40 | 2721.49 | 125768.60 |
| 33 | 2028-02 | 2999.88 | 272.50 | 2727.39 | 123041.22 |
| 34 | 2028-03 | 2999.88 | 266.59 | 2733.29 | 120307.92 |
| 35 | 2028-04 | 2999.88 | 260.67 | 2739.22 | 117568.70 |
| 36 | 2028-05 | 2999.88 | 254.73 | 2745.15 | 114823.55 |
| 37 | 2028-06 | 2999.88 | 248.78 | 2751.10 | 112072.45 |
| 38 | 2028-07 | 2999.88 | 242.82 | 2757.06 | 109315.39 |
| 39 | 2028-08 | 2999.88 | 236.85 | 2763.03 | 106552.36 |
| 40 | 2028-09 | 2999.88 | 230.86 | 2769.02 | 103783.34 |
| 41 | 2028-10 | 2999.88 | 224.86 | 2775.02 | 101008.32 |
| 42 | 2028-11 | 2999.88 | 218.85 | 2781.03 | 98227.28 |
| 43 | 2028-12 | 2999.88 | 212.83 | 2787.06 | 95440.22 |
| 44 | 2029-01 | 2999.88 | 206.79 | 2793.10 | 92647.13 |
| 45 | 2029-02 | 2999.88 | 200.74 | 2799.15 | 89847.98 |
| 46 | 2029-03 | 2999.88 | 194.67 | 2805.21 | 87042.77 |
| 47 | 2029-04 | 2999.88 | 188.59 | 2811.29 | 84231.47 |
| 48 | 2029-05 | 2999.88 | 182.50 | 2817.38 | 81414.09 |
| 49 | 2029-06 | 2999.88 | 176.40 | 2823.49 | 78590.60 |
| 50 | 2029-07 | 2999.88 | 170.28 | 2829.60 | 75761.00 |
| 51 | 2029-08 | 2999.88 | 164.15 | 2835.74 | 72925.26 |
| 52 | 2029-09 | 2999.88 | 158.00 | 2841.88 | 70083.38 |
| 53 | 2029-10 | 2999.88 | 151.85 | 2848.04 | 67235.35 |
| 54 | 2029-11 | 2999.88 | 145.68 | 2854.21 | 64381.14 |
| 55 | 2029-12 | 2999.88 | 139.49 | 2860.39 | 61520.75 |
| 56 | 2030-01 | 2999.88 | 133.29 | 2866.59 | 58654.16 |
| 57 | 2030-02 | 2999.88 | 127.08 | 2872.80 | 55781.36 |
| 58 | 2030-03 | 2999.88 | 120.86 | 2879.02 | 52902.33 |
| 59 | 2030-04 | 2999.88 | 114.62 | 2885.26 | 50017.07 |
| 60 | 2030-05 | 2999.88 | 108.37 | 2891.51 | 47125.56 |
| 61 | 2030-06 | 2999.88 | 102.11 | 2897.78 | 44227.78 |
| 62 | 2030-07 | 2999.88 | 95.83 | 2904.06 | 41323.72 |
| 63 | 2030-08 | 2999.88 | 89.53 | 2910.35 | 38413.37 |
| 64 | 2030-09 | 2999.88 | 83.23 | 2916.66 | 35496.72 |
| 65 | 2030-10 | 2999.88 | 76.91 | 2922.97 | 32573.74 |
| 66 | 2030-11 | 2999.88 | 70.58 | 2929.31 | 29644.43 |
| 67 | 2030-12 | 2999.88 | 64.23 | 2935.65 | 26708.78 |
| 68 | 2031-01 | 2999.88 | 57.87 | 2942.02 | 23766.76 |
| 69 | 2031-02 | 2999.88 | 51.49 | 2948.39 | 20818.37 |
| 70 | 2031-03 | 2999.88 | 45.11 | 2954.78 | 17863.60 |
| 71 | 2031-04 | 2999.88 | 38.70 | 2961.18 | 14902.42 |
| 72 | 2031-05 | 2999.88 | 32.29 | 2967.60 | 11934.82 |
| 73 | 2031-06 | 2999.88 | 25.86 | 2974.03 | 8960.79 |
| 74 | 2031-07 | 2999.88 | 19.42 | 2980.47 | 5980.33 |
| 75 | 2031-08 | 2999.88 | 12.96 | 2986.93 | 2993.40 |
| 76 | 2031-09 | 2999.88 | 6.49 | 2993.40 | 0.00 |
等额本金还款方式：
贷款总额：21万
还款月数：6年4个月
首月还款：3218.16元
每月递减：5.99元
利息总额：1.75万
本息合计：22.75万
节省利息：473.71元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 3218.16 | 455.00 | 2763.16 | 207236.84 |
| 2 | 2025-07 | 3212.17 | 449.01 | 2763.16 | 204473.68 |
| 3 | 2025-08 | 3206.18 | 443.03 | 2763.16 | 201710.53 |
| 4 | 2025-09 | 3200.20 | 437.04 | 2763.16 | 198947.37 |
| 5 | 2025-10 | 3194.21 | 431.05 | 2763.16 | 196184.21 |
| 6 | 2025-11 | 3188.22 | 425.07 | 2763.16 | 193421.05 |
| 7 | 2025-12 | 3182.24 | 419.08 | 2763.16 | 190657.89 |
| 8 | 2026-01 | 3176.25 | 413.09 | 2763.16 | 187894.74 |
| 9 | 2026-02 | 3170.26 | 407.11 | 2763.16 | 185131.58 |
| 10 | 2026-03 | 3164.28 | 401.12 | 2763.16 | 182368.42 |
| 11 | 2026-04 | 3158.29 | 395.13 | 2763.16 | 179605.26 |
| 12 | 2026-05 | 3152.30 | 389.14 | 2763.16 | 176842.11 |
| 13 | 2026-06 | 3146.32 | 383.16 | 2763.16 | 174078.95 |
| 14 | 2026-07 | 3140.33 | 377.17 | 2763.16 | 171315.79 |
| 15 | 2026-08 | 3134.34 | 371.18 | 2763.16 | 168552.63 |
| 16 | 2026-09 | 3128.36 | 365.20 | 2763.16 | 165789.47 |
| 17 | 2026-10 | 3122.37 | 359.21 | 2763.16 | 163026.32 |
| 18 | 2026-11 | 3116.38 | 353.22 | 2763.16 | 160263.16 |
| 19 | 2026-12 | 3110.39 | 347.24 | 2763.16 | 157500.00 |
| 20 | 2027-01 | 3104.41 | 341.25 | 2763.16 | 154736.84 |
| 21 | 2027-02 | 3098.42 | 335.26 | 2763.16 | 151973.68 |
| 22 | 2027-03 | 3092.43 | 329.28 | 2763.16 | 149210.53 |
| 23 | 2027-04 | 3086.45 | 323.29 | 2763.16 | 146447.37 |
| 24 | 2027-05 | 3080.46 | 317.30 | 2763.16 | 143684.21 |
| 25 | 2027-06 | 3074.47 | 311.32 | 2763.16 | 140921.05 |
| 26 | 2027-07 | 3068.49 | 305.33 | 2763.16 | 138157.89 |
| 27 | 2027-08 | 3062.50 | 299.34 | 2763.16 | 135394.74 |
| 28 | 2027-09 | 3056.51 | 293.36 | 2763.16 | 132631.58 |
| 29 | 2027-10 | 3050.53 | 287.37 | 2763.16 | 129868.42 |
| 30 | 2027-11 | 3044.54 | 281.38 | 2763.16 | 127105.26 |
| 31 | 2027-12 | 3038.55 | 275.39 | 2763.16 | 124342.11 |
| 32 | 2028-01 | 3032.57 | 269.41 | 2763.16 | 121578.95 |
| 33 | 2028-02 | 3026.58 | 263.42 | 2763.16 | 118815.79 |
| 34 | 2028-03 | 3020.59 | 257.43 | 2763.16 | 116052.63 |
| 35 | 2028-04 | 3014.61 | 251.45 | 2763.16 | 113289.47 |
| 36 | 2028-05 | 3008.62 | 245.46 | 2763.16 | 110526.32 |
| 37 | 2028-06 | 3002.63 | 239.47 | 2763.16 | 107763.16 |
| 38 | 2028-07 | 2996.64 | 233.49 | 2763.16 | 105000.00 |
| 39 | 2028-08 | 2990.66 | 227.50 | 2763.16 | 102236.84 |
| 40 | 2028-09 | 2984.67 | 221.51 | 2763.16 | 99473.68 |
| 41 | 2028-10 | 2978.68 | 215.53 | 2763.16 | 96710.53 |
| 42 | 2028-11 | 2972.70 | 209.54 | 2763.16 | 93947.37 |
| 43 | 2028-12 | 2966.71 | 203.55 | 2763.16 | 91184.21 |
| 44 | 2029-01 | 2960.72 | 197.57 | 2763.16 | 88421.05 |
| 45 | 2029-02 | 2954.74 | 191.58 | 2763.16 | 85657.89 |
| 46 | 2029-03 | 2948.75 | 185.59 | 2763.16 | 82894.74 |
| 47 | 2029-04 | 2942.76 | 179.61 | 2763.16 | 80131.58 |
| 48 | 2029-05 | 2936.78 | 173.62 | 2763.16 | 77368.42 |
| 49 | 2029-06 | 2930.79 | 167.63 | 2763.16 | 74605.26 |
| 50 | 2029-07 | 2924.80 | 161.64 | 2763.16 | 71842.11 |
| 51 | 2029-08 | 2918.82 | 155.66 | 2763.16 | 69078.95 |
| 52 | 2029-09 | 2912.83 | 149.67 | 2763.16 | 66315.79 |
| 53 | 2029-10 | 2906.84 | 143.68 | 2763.16 | 63552.63 |
| 54 | 2029-11 | 2900.86 | 137.70 | 2763.16 | 60789.47 |
| 55 | 2029-12 | 2894.87 | 131.71 | 2763.16 | 58026.32 |
| 56 | 2030-01 | 2888.88 | 125.72 | 2763.16 | 55263.16 |
| 57 | 2030-02 | 2882.89 | 119.74 | 2763.16 | 52500.00 |
| 58 | 2030-03 | 2876.91 | 113.75 | 2763.16 | 49736.84 |
| 59 | 2030-04 | 2870.92 | 107.76 | 2763.16 | 46973.68 |
| 60 | 2030-05 | 2864.93 | 101.78 | 2763.16 | 44210.53 |
| 61 | 2030-06 | 2858.95 | 95.79 | 2763.16 | 41447.37 |
| 62 | 2030-07 | 2852.96 | 89.80 | 2763.16 | 38684.21 |
| 63 | 2030-08 | 2846.97 | 83.82 | 2763.16 | 35921.05 |
| 64 | 2030-09 | 2840.99 | 77.83 | 2763.16 | 33157.89 |
| 65 | 2030-10 | 2835.00 | 71.84 | 2763.16 | 30394.74 |
| 66 | 2030-11 | 2829.01 | 65.86 | 2763.16 | 27631.58 |
| 67 | 2030-12 | 2823.03 | 59.87 | 2763.16 | 24868.42 |
| 68 | 2031-01 | 2817.04 | 53.88 | 2763.16 | 22105.26 |
| 69 | 2031-02 | 2811.05 | 47.89 | 2763.16 | 19342.11 |
| 70 | 2031-03 | 2805.07 | 41.91 | 2763.16 | 16578.95 |
| 71 | 2031-04 | 2799.08 | 35.92 | 2763.16 | 13815.79 |
| 72 | 2031-05 | 2793.09 | 29.93 | 2763.16 | 11052.63 |
| 73 | 2031-06 | 2787.11 | 23.95 | 2763.16 | 8289.47 |
| 74 | 2031-07 | 2781.12 | 17.96 | 2763.16 | 5526.32 |
| 75 | 2031-08 | 2775.13 | 11.97 | 2763.16 | 2763.16 |
| 76 | 2031-09 | 2769.14 | 5.99 | 2763.16 | 0.00 |