贷款18.6万（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：18.6万
还款月数：6年
每月还款：2793.1元
利息总额：1.51万
本息合计：20.11万
| 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 | 2793.10 | 403.03 | 2390.07 | 183625.93 |
| 2 | 2025-06 | 2793.10 | 397.86 | 2395.25 | 181230.69 |
| 3 | 2025-07 | 2793.10 | 392.67 | 2400.44 | 178830.25 |
| 4 | 2025-08 | 2793.10 | 387.47 | 2405.64 | 176424.61 |
| 5 | 2025-09 | 2793.10 | 382.25 | 2410.85 | 174013.76 |
| 6 | 2025-10 | 2793.10 | 377.03 | 2416.07 | 171597.69 |
| 7 | 2025-11 | 2793.10 | 371.79 | 2421.31 | 169176.38 |
| 8 | 2025-12 | 2793.10 | 366.55 | 2426.55 | 166749.83 |
| 9 | 2026-01 | 2793.10 | 361.29 | 2431.81 | 164318.02 |
| 10 | 2026-02 | 2793.10 | 356.02 | 2437.08 | 161880.94 |
| 11 | 2026-03 | 2793.10 | 350.74 | 2442.36 | 159438.58 |
| 12 | 2026-04 | 2793.10 | 345.45 | 2447.65 | 156990.93 |
| 13 | 2026-05 | 2793.10 | 340.15 | 2452.96 | 154537.97 |
| 14 | 2026-06 | 2793.10 | 334.83 | 2458.27 | 152079.70 |
| 15 | 2026-07 | 2793.10 | 329.51 | 2463.60 | 149616.11 |
| 16 | 2026-08 | 2793.10 | 324.17 | 2468.93 | 147147.17 |
| 17 | 2026-09 | 2793.10 | 318.82 | 2474.28 | 144672.89 |
| 18 | 2026-10 | 2793.10 | 313.46 | 2479.64 | 142193.24 |
| 19 | 2026-11 | 2793.10 | 308.09 | 2485.02 | 139708.23 |
| 20 | 2026-12 | 2793.10 | 302.70 | 2490.40 | 137217.82 |
| 21 | 2027-01 | 2793.10 | 297.31 | 2495.80 | 134722.03 |
| 22 | 2027-02 | 2793.10 | 291.90 | 2501.20 | 132220.82 |
| 23 | 2027-03 | 2793.10 | 286.48 | 2506.62 | 129714.20 |
| 24 | 2027-04 | 2793.10 | 281.05 | 2512.05 | 127202.14 |
| 25 | 2027-05 | 2793.10 | 275.60 | 2517.50 | 124684.65 |
| 26 | 2027-06 | 2793.10 | 270.15 | 2522.95 | 122161.69 |
| 27 | 2027-07 | 2793.10 | 264.68 | 2528.42 | 119633.28 |
| 28 | 2027-08 | 2793.10 | 259.21 | 2533.90 | 117099.38 |
| 29 | 2027-09 | 2793.10 | 253.72 | 2539.39 | 114559.99 |
| 30 | 2027-10 | 2793.10 | 248.21 | 2544.89 | 112015.10 |
| 31 | 2027-11 | 2793.10 | 242.70 | 2550.40 | 109464.70 |
| 32 | 2027-12 | 2793.10 | 237.17 | 2555.93 | 106908.77 |
| 33 | 2028-01 | 2793.10 | 231.64 | 2561.47 | 104347.30 |
| 34 | 2028-02 | 2793.10 | 226.09 | 2567.02 | 101780.29 |
| 35 | 2028-03 | 2793.10 | 220.52 | 2572.58 | 99207.71 |
| 36 | 2028-04 | 2793.10 | 214.95 | 2578.15 | 96629.56 |
| 37 | 2028-05 | 2793.10 | 209.36 | 2583.74 | 94045.82 |
| 38 | 2028-06 | 2793.10 | 203.77 | 2589.34 | 91456.48 |
| 39 | 2028-07 | 2793.10 | 198.16 | 2594.95 | 88861.53 |
| 40 | 2028-08 | 2793.10 | 192.53 | 2600.57 | 86260.97 |
| 41 | 2028-09 | 2793.10 | 186.90 | 2606.20 | 83654.76 |
| 42 | 2028-10 | 2793.10 | 181.25 | 2611.85 | 81042.91 |
| 43 | 2028-11 | 2793.10 | 175.59 | 2617.51 | 78425.40 |
| 44 | 2028-12 | 2793.10 | 169.92 | 2623.18 | 75802.22 |
| 45 | 2029-01 | 2793.10 | 164.24 | 2628.86 | 73173.36 |
| 46 | 2029-02 | 2793.10 | 158.54 | 2634.56 | 70538.80 |
| 47 | 2029-03 | 2793.10 | 152.83 | 2640.27 | 67898.53 |
| 48 | 2029-04 | 2793.10 | 147.11 | 2645.99 | 65252.54 |
| 49 | 2029-05 | 2793.10 | 141.38 | 2651.72 | 62600.82 |
| 50 | 2029-06 | 2793.10 | 135.64 | 2657.47 | 59943.35 |
| 51 | 2029-07 | 2793.10 | 129.88 | 2663.23 | 57280.13 |
| 52 | 2029-08 | 2793.10 | 124.11 | 2669.00 | 54611.13 |
| 53 | 2029-09 | 2793.10 | 118.32 | 2674.78 | 51936.35 |
| 54 | 2029-10 | 2793.10 | 112.53 | 2680.57 | 49255.78 |
| 55 | 2029-11 | 2793.10 | 106.72 | 2686.38 | 46569.40 |
| 56 | 2029-12 | 2793.10 | 100.90 | 2692.20 | 43877.19 |
| 57 | 2030-01 | 2793.10 | 95.07 | 2698.04 | 41179.16 |
| 58 | 2030-02 | 2793.10 | 89.22 | 2703.88 | 38475.28 |
| 59 | 2030-03 | 2793.10 | 83.36 | 2709.74 | 35765.54 |
| 60 | 2030-04 | 2793.10 | 77.49 | 2715.61 | 33049.93 |
| 61 | 2030-05 | 2793.10 | 71.61 | 2721.49 | 30328.43 |
| 62 | 2030-06 | 2793.10 | 65.71 | 2727.39 | 27601.04 |
| 63 | 2030-07 | 2793.10 | 59.80 | 2733.30 | 24867.74 |
| 64 | 2030-08 | 2793.10 | 53.88 | 2739.22 | 22128.52 |
| 65 | 2030-09 | 2793.10 | 47.95 | 2745.16 | 19383.36 |
| 66 | 2030-10 | 2793.10 | 42.00 | 2751.11 | 16632.26 |
| 67 | 2030-11 | 2793.10 | 36.04 | 2757.07 | 13875.19 |
| 68 | 2030-12 | 2793.10 | 30.06 | 2763.04 | 11112.15 |
| 69 | 2031-01 | 2793.10 | 24.08 | 2769.03 | 8343.13 |
| 70 | 2031-02 | 2793.10 | 18.08 | 2775.03 | 5568.10 |
| 71 | 2031-03 | 2793.10 | 12.06 | 2781.04 | 2787.06 |
| 72 | 2031-04 | 2793.10 | 6.04 | 2787.06 | 0.00 |
等额本金还款方式：
贷款总额：18.6万
还款月数：6年
首月还款：2986.59元
每月递减：5.6元
利息总额：1.47万
本息合计：20.07万
节省利息：376.61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 | 2986.59 | 403.03 | 2583.56 | 183432.44 |
| 2 | 2025-06 | 2980.99 | 397.44 | 2583.56 | 180848.89 |
| 3 | 2025-07 | 2975.39 | 391.84 | 2583.56 | 178265.33 |
| 4 | 2025-08 | 2969.80 | 386.24 | 2583.56 | 175681.78 |
| 5 | 2025-09 | 2964.20 | 380.64 | 2583.56 | 173098.22 |
| 6 | 2025-10 | 2958.60 | 375.05 | 2583.56 | 170514.67 |
| 7 | 2025-11 | 2953.00 | 369.45 | 2583.56 | 167931.11 |
| 8 | 2025-12 | 2947.41 | 363.85 | 2583.56 | 165347.56 |
| 9 | 2026-01 | 2941.81 | 358.25 | 2583.56 | 162764.00 |
| 10 | 2026-02 | 2936.21 | 352.66 | 2583.56 | 160180.44 |
| 11 | 2026-03 | 2930.61 | 347.06 | 2583.56 | 157596.89 |
| 12 | 2026-04 | 2925.02 | 341.46 | 2583.56 | 155013.33 |
| 13 | 2026-05 | 2919.42 | 335.86 | 2583.56 | 152429.78 |
| 14 | 2026-06 | 2913.82 | 330.26 | 2583.56 | 149846.22 |
| 15 | 2026-07 | 2908.22 | 324.67 | 2583.56 | 147262.67 |
| 16 | 2026-08 | 2902.62 | 319.07 | 2583.56 | 144679.11 |
| 17 | 2026-09 | 2897.03 | 313.47 | 2583.56 | 142095.56 |
| 18 | 2026-10 | 2891.43 | 307.87 | 2583.56 | 139512.00 |
| 19 | 2026-11 | 2885.83 | 302.28 | 2583.56 | 136928.44 |
| 20 | 2026-12 | 2880.23 | 296.68 | 2583.56 | 134344.89 |
| 21 | 2027-01 | 2874.64 | 291.08 | 2583.56 | 131761.33 |
| 22 | 2027-02 | 2869.04 | 285.48 | 2583.56 | 129177.78 |
| 23 | 2027-03 | 2863.44 | 279.89 | 2583.56 | 126594.22 |
| 24 | 2027-04 | 2857.84 | 274.29 | 2583.56 | 124010.67 |
| 25 | 2027-05 | 2852.25 | 268.69 | 2583.56 | 121427.11 |
| 26 | 2027-06 | 2846.65 | 263.09 | 2583.56 | 118843.56 |
| 27 | 2027-07 | 2841.05 | 257.49 | 2583.56 | 116260.00 |
| 28 | 2027-08 | 2835.45 | 251.90 | 2583.56 | 113676.44 |
| 29 | 2027-09 | 2829.85 | 246.30 | 2583.56 | 111092.89 |
| 30 | 2027-10 | 2824.26 | 240.70 | 2583.56 | 108509.33 |
| 31 | 2027-11 | 2818.66 | 235.10 | 2583.56 | 105925.78 |
| 32 | 2027-12 | 2813.06 | 229.51 | 2583.56 | 103342.22 |
| 33 | 2028-01 | 2807.46 | 223.91 | 2583.56 | 100758.67 |
| 34 | 2028-02 | 2801.87 | 218.31 | 2583.56 | 98175.11 |
| 35 | 2028-03 | 2796.27 | 212.71 | 2583.56 | 95591.56 |
| 36 | 2028-04 | 2790.67 | 207.12 | 2583.56 | 93008.00 |
| 37 | 2028-05 | 2785.07 | 201.52 | 2583.56 | 90424.44 |
| 38 | 2028-06 | 2779.48 | 195.92 | 2583.56 | 87840.89 |
| 39 | 2028-07 | 2773.88 | 190.32 | 2583.56 | 85257.33 |
| 40 | 2028-08 | 2768.28 | 184.72 | 2583.56 | 82673.78 |
| 41 | 2028-09 | 2762.68 | 179.13 | 2583.56 | 80090.22 |
| 42 | 2028-10 | 2757.08 | 173.53 | 2583.56 | 77506.67 |
| 43 | 2028-11 | 2751.49 | 167.93 | 2583.56 | 74923.11 |
| 44 | 2028-12 | 2745.89 | 162.33 | 2583.56 | 72339.56 |
| 45 | 2029-01 | 2740.29 | 156.74 | 2583.56 | 69756.00 |
| 46 | 2029-02 | 2734.69 | 151.14 | 2583.56 | 67172.44 |
| 47 | 2029-03 | 2729.10 | 145.54 | 2583.56 | 64588.89 |
| 48 | 2029-04 | 2723.50 | 139.94 | 2583.56 | 62005.33 |
| 49 | 2029-05 | 2717.90 | 134.34 | 2583.56 | 59421.78 |
| 50 | 2029-06 | 2712.30 | 128.75 | 2583.56 | 56838.22 |
| 51 | 2029-07 | 2706.71 | 123.15 | 2583.56 | 54254.67 |
| 52 | 2029-08 | 2701.11 | 117.55 | 2583.56 | 51671.11 |
| 53 | 2029-09 | 2695.51 | 111.95 | 2583.56 | 49087.56 |
| 54 | 2029-10 | 2689.91 | 106.36 | 2583.56 | 46504.00 |
| 55 | 2029-11 | 2684.31 | 100.76 | 2583.56 | 43920.44 |
| 56 | 2029-12 | 2678.72 | 95.16 | 2583.56 | 41336.89 |
| 57 | 2030-01 | 2673.12 | 89.56 | 2583.56 | 38753.33 |
| 58 | 2030-02 | 2667.52 | 83.97 | 2583.56 | 36169.78 |
| 59 | 2030-03 | 2661.92 | 78.37 | 2583.56 | 33586.22 |
| 60 | 2030-04 | 2656.33 | 72.77 | 2583.56 | 31002.67 |
| 61 | 2030-05 | 2650.73 | 67.17 | 2583.56 | 28419.11 |
| 62 | 2030-06 | 2645.13 | 61.57 | 2583.56 | 25835.56 |
| 63 | 2030-07 | 2639.53 | 55.98 | 2583.56 | 23252.00 |
| 64 | 2030-08 | 2633.93 | 50.38 | 2583.56 | 20668.44 |
| 65 | 2030-09 | 2628.34 | 44.78 | 2583.56 | 18084.89 |
| 66 | 2030-10 | 2622.74 | 39.18 | 2583.56 | 15501.33 |
| 67 | 2030-11 | 2617.14 | 33.59 | 2583.56 | 12917.78 |
| 68 | 2030-12 | 2611.54 | 27.99 | 2583.56 | 10334.22 |
| 69 | 2031-01 | 2605.95 | 22.39 | 2583.56 | 7750.67 |
| 70 | 2031-02 | 2600.35 | 16.79 | 2583.56 | 5167.11 |
| 71 | 2031-03 | 2594.75 | 11.20 | 2583.56 | 2583.56 |
| 72 | 2031-04 | 2589.15 | 5.60 | 2583.56 | 0.00 |