贷款13万（公积金贷款）房贷，还款6年3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：13万
还款月数：6年3个月
每月还款：1920.6元
利息总额：1.4万
本息合计：14.4万
| 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 | 1920.60 | 357.50 | 1563.10 | 128436.90 |
| 2 | 2025-07 | 1920.60 | 353.20 | 1567.40 | 126869.51 |
| 3 | 2025-08 | 1920.60 | 348.89 | 1571.71 | 125297.80 |
| 4 | 2025-09 | 1920.60 | 344.57 | 1576.03 | 123721.77 |
| 5 | 2025-10 | 1920.60 | 340.23 | 1580.36 | 122141.41 |
| 6 | 2025-11 | 1920.60 | 335.89 | 1584.71 | 120556.70 |
| 7 | 2025-12 | 1920.60 | 331.53 | 1589.07 | 118967.63 |
| 8 | 2026-01 | 1920.60 | 327.16 | 1593.44 | 117374.20 |
| 9 | 2026-02 | 1920.60 | 322.78 | 1597.82 | 115776.38 |
| 10 | 2026-03 | 1920.60 | 318.39 | 1602.21 | 114174.17 |
| 11 | 2026-04 | 1920.60 | 313.98 | 1606.62 | 112567.55 |
| 12 | 2026-05 | 1920.60 | 309.56 | 1611.04 | 110956.51 |
| 13 | 2026-06 | 1920.60 | 305.13 | 1615.47 | 109341.05 |
| 14 | 2026-07 | 1920.60 | 300.69 | 1619.91 | 107721.14 |
| 15 | 2026-08 | 1920.60 | 296.23 | 1624.36 | 106096.77 |
| 16 | 2026-09 | 1920.60 | 291.77 | 1628.83 | 104467.94 |
| 17 | 2026-10 | 1920.60 | 287.29 | 1633.31 | 102834.63 |
| 18 | 2026-11 | 1920.60 | 282.80 | 1637.80 | 101196.83 |
| 19 | 2026-12 | 1920.60 | 278.29 | 1642.31 | 99554.52 |
| 20 | 2027-01 | 1920.60 | 273.77 | 1646.82 | 97907.70 |
| 21 | 2027-02 | 1920.60 | 269.25 | 1651.35 | 96256.35 |
| 22 | 2027-03 | 1920.60 | 264.70 | 1655.89 | 94600.46 |
| 23 | 2027-04 | 1920.60 | 260.15 | 1660.45 | 92940.01 |
| 24 | 2027-05 | 1920.60 | 255.59 | 1665.01 | 91275.00 |
| 25 | 2027-06 | 1920.60 | 251.01 | 1669.59 | 89605.41 |
| 26 | 2027-07 | 1920.60 | 246.41 | 1674.18 | 87931.22 |
| 27 | 2027-08 | 1920.60 | 241.81 | 1678.79 | 86252.44 |
| 28 | 2027-09 | 1920.60 | 237.19 | 1683.40 | 84569.03 |
| 29 | 2027-10 | 1920.60 | 232.56 | 1688.03 | 82881.00 |
| 30 | 2027-11 | 1920.60 | 227.92 | 1692.67 | 81188.33 |
| 31 | 2027-12 | 1920.60 | 223.27 | 1697.33 | 79491.00 |
| 32 | 2028-01 | 1920.60 | 218.60 | 1702.00 | 77789.00 |
| 33 | 2028-02 | 1920.60 | 213.92 | 1706.68 | 76082.32 |
| 34 | 2028-03 | 1920.60 | 209.23 | 1711.37 | 74370.95 |
| 35 | 2028-04 | 1920.60 | 204.52 | 1716.08 | 72654.88 |
| 36 | 2028-05 | 1920.60 | 199.80 | 1720.80 | 70934.08 |
| 37 | 2028-06 | 1920.60 | 195.07 | 1725.53 | 69208.55 |
| 38 | 2028-07 | 1920.60 | 190.32 | 1730.27 | 67478.28 |
| 39 | 2028-08 | 1920.60 | 185.57 | 1735.03 | 65743.24 |
| 40 | 2028-09 | 1920.60 | 180.79 | 1739.80 | 64003.44 |
| 41 | 2028-10 | 1920.60 | 176.01 | 1744.59 | 62258.85 |
| 42 | 2028-11 | 1920.60 | 171.21 | 1749.39 | 60509.47 |
| 43 | 2028-12 | 1920.60 | 166.40 | 1754.20 | 58755.27 |
| 44 | 2029-01 | 1920.60 | 161.58 | 1759.02 | 56996.25 |
| 45 | 2029-02 | 1920.60 | 156.74 | 1763.86 | 55232.39 |
| 46 | 2029-03 | 1920.60 | 151.89 | 1768.71 | 53463.69 |
| 47 | 2029-04 | 1920.60 | 147.03 | 1773.57 | 51690.11 |
| 48 | 2029-05 | 1920.60 | 142.15 | 1778.45 | 49911.66 |
| 49 | 2029-06 | 1920.60 | 137.26 | 1783.34 | 48128.32 |
| 50 | 2029-07 | 1920.60 | 132.35 | 1788.24 | 46340.08 |
| 51 | 2029-08 | 1920.60 | 127.44 | 1793.16 | 44546.92 |
| 52 | 2029-09 | 1920.60 | 122.50 | 1798.09 | 42748.82 |
| 53 | 2029-10 | 1920.60 | 117.56 | 1803.04 | 40945.79 |
| 54 | 2029-11 | 1920.60 | 112.60 | 1808.00 | 39137.79 |
| 55 | 2029-12 | 1920.60 | 107.63 | 1812.97 | 37324.82 |
| 56 | 2030-01 | 1920.60 | 102.64 | 1817.95 | 35506.87 |
| 57 | 2030-02 | 1920.60 | 97.64 | 1822.95 | 33683.91 |
| 58 | 2030-03 | 1920.60 | 92.63 | 1827.97 | 31855.95 |
| 59 | 2030-04 | 1920.60 | 87.60 | 1832.99 | 30022.95 |
| 60 | 2030-05 | 1920.60 | 82.56 | 1838.03 | 28184.92 |
| 61 | 2030-06 | 1920.60 | 77.51 | 1843.09 | 26341.83 |
| 62 | 2030-07 | 1920.60 | 72.44 | 1848.16 | 24493.67 |
| 63 | 2030-08 | 1920.60 | 67.36 | 1853.24 | 22640.43 |
| 64 | 2030-09 | 1920.60 | 62.26 | 1858.34 | 20782.10 |
| 65 | 2030-10 | 1920.60 | 57.15 | 1863.45 | 18918.65 |
| 66 | 2030-11 | 1920.60 | 52.03 | 1868.57 | 17050.08 |
| 67 | 2030-12 | 1920.60 | 46.89 | 1873.71 | 15176.37 |
| 68 | 2031-01 | 1920.60 | 41.74 | 1878.86 | 13297.51 |
| 69 | 2031-02 | 1920.60 | 36.57 | 1884.03 | 11413.48 |
| 70 | 2031-03 | 1920.60 | 31.39 | 1889.21 | 9524.27 |
| 71 | 2031-04 | 1920.60 | 26.19 | 1894.41 | 7629.86 |
| 72 | 2031-05 | 1920.60 | 20.98 | 1899.62 | 5730.25 |
| 73 | 2031-06 | 1920.60 | 15.76 | 1904.84 | 3825.41 |
| 74 | 2031-07 | 1920.60 | 10.52 | 1910.08 | 1915.33 |
| 75 | 2031-08 | 1920.60 | 5.27 | 1915.33 | 0.00 |
等额本金还款方式：
贷款总额：13万
还款月数：6年3个月
首月还款：2090.83元
每月递减：4.77元
利息总额：1.36万
本息合计：14.36万
节省利息：459.8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 | 2090.83 | 357.50 | 1733.33 | 128266.67 |
| 2 | 2025-07 | 2086.07 | 352.73 | 1733.33 | 126533.33 |
| 3 | 2025-08 | 2081.30 | 347.97 | 1733.33 | 124800.00 |
| 4 | 2025-09 | 2076.53 | 343.20 | 1733.33 | 123066.67 |
| 5 | 2025-10 | 2071.77 | 338.43 | 1733.33 | 121333.33 |
| 6 | 2025-11 | 2067.00 | 333.67 | 1733.33 | 119600.00 |
| 7 | 2025-12 | 2062.23 | 328.90 | 1733.33 | 117866.67 |
| 8 | 2026-01 | 2057.47 | 324.13 | 1733.33 | 116133.33 |
| 9 | 2026-02 | 2052.70 | 319.37 | 1733.33 | 114400.00 |
| 10 | 2026-03 | 2047.93 | 314.60 | 1733.33 | 112666.67 |
| 11 | 2026-04 | 2043.17 | 309.83 | 1733.33 | 110933.33 |
| 12 | 2026-05 | 2038.40 | 305.07 | 1733.33 | 109200.00 |
| 13 | 2026-06 | 2033.63 | 300.30 | 1733.33 | 107466.67 |
| 14 | 2026-07 | 2028.87 | 295.53 | 1733.33 | 105733.33 |
| 15 | 2026-08 | 2024.10 | 290.77 | 1733.33 | 104000.00 |
| 16 | 2026-09 | 2019.33 | 286.00 | 1733.33 | 102266.67 |
| 17 | 2026-10 | 2014.57 | 281.23 | 1733.33 | 100533.33 |
| 18 | 2026-11 | 2009.80 | 276.47 | 1733.33 | 98800.00 |
| 19 | 2026-12 | 2005.03 | 271.70 | 1733.33 | 97066.67 |
| 20 | 2027-01 | 2000.27 | 266.93 | 1733.33 | 95333.33 |
| 21 | 2027-02 | 1995.50 | 262.17 | 1733.33 | 93600.00 |
| 22 | 2027-03 | 1990.73 | 257.40 | 1733.33 | 91866.67 |
| 23 | 2027-04 | 1985.97 | 252.63 | 1733.33 | 90133.33 |
| 24 | 2027-05 | 1981.20 | 247.87 | 1733.33 | 88400.00 |
| 25 | 2027-06 | 1976.43 | 243.10 | 1733.33 | 86666.67 |
| 26 | 2027-07 | 1971.67 | 238.33 | 1733.33 | 84933.33 |
| 27 | 2027-08 | 1966.90 | 233.57 | 1733.33 | 83200.00 |
| 28 | 2027-09 | 1962.13 | 228.80 | 1733.33 | 81466.67 |
| 29 | 2027-10 | 1957.37 | 224.03 | 1733.33 | 79733.33 |
| 30 | 2027-11 | 1952.60 | 219.27 | 1733.33 | 78000.00 |
| 31 | 2027-12 | 1947.83 | 214.50 | 1733.33 | 76266.67 |
| 32 | 2028-01 | 1943.07 | 209.73 | 1733.33 | 74533.33 |
| 33 | 2028-02 | 1938.30 | 204.97 | 1733.33 | 72800.00 |
| 34 | 2028-03 | 1933.53 | 200.20 | 1733.33 | 71066.67 |
| 35 | 2028-04 | 1928.77 | 195.43 | 1733.33 | 69333.33 |
| 36 | 2028-05 | 1924.00 | 190.67 | 1733.33 | 67600.00 |
| 37 | 2028-06 | 1919.23 | 185.90 | 1733.33 | 65866.67 |
| 38 | 2028-07 | 1914.47 | 181.13 | 1733.33 | 64133.33 |
| 39 | 2028-08 | 1909.70 | 176.37 | 1733.33 | 62400.00 |
| 40 | 2028-09 | 1904.93 | 171.60 | 1733.33 | 60666.67 |
| 41 | 2028-10 | 1900.17 | 166.83 | 1733.33 | 58933.33 |
| 42 | 2028-11 | 1895.40 | 162.07 | 1733.33 | 57200.00 |
| 43 | 2028-12 | 1890.63 | 157.30 | 1733.33 | 55466.67 |
| 44 | 2029-01 | 1885.87 | 152.53 | 1733.33 | 53733.33 |
| 45 | 2029-02 | 1881.10 | 147.77 | 1733.33 | 52000.00 |
| 46 | 2029-03 | 1876.33 | 143.00 | 1733.33 | 50266.67 |
| 47 | 2029-04 | 1871.57 | 138.23 | 1733.33 | 48533.33 |
| 48 | 2029-05 | 1866.80 | 133.47 | 1733.33 | 46800.00 |
| 49 | 2029-06 | 1862.03 | 128.70 | 1733.33 | 45066.67 |
| 50 | 2029-07 | 1857.27 | 123.93 | 1733.33 | 43333.33 |
| 51 | 2029-08 | 1852.50 | 119.17 | 1733.33 | 41600.00 |
| 52 | 2029-09 | 1847.73 | 114.40 | 1733.33 | 39866.67 |
| 53 | 2029-10 | 1842.97 | 109.63 | 1733.33 | 38133.33 |
| 54 | 2029-11 | 1838.20 | 104.87 | 1733.33 | 36400.00 |
| 55 | 2029-12 | 1833.43 | 100.10 | 1733.33 | 34666.67 |
| 56 | 2030-01 | 1828.67 | 95.33 | 1733.33 | 32933.33 |
| 57 | 2030-02 | 1823.90 | 90.57 | 1733.33 | 31200.00 |
| 58 | 2030-03 | 1819.13 | 85.80 | 1733.33 | 29466.67 |
| 59 | 2030-04 | 1814.37 | 81.03 | 1733.33 | 27733.33 |
| 60 | 2030-05 | 1809.60 | 76.27 | 1733.33 | 26000.00 |
| 61 | 2030-06 | 1804.83 | 71.50 | 1733.33 | 24266.67 |
| 62 | 2030-07 | 1800.07 | 66.73 | 1733.33 | 22533.33 |
| 63 | 2030-08 | 1795.30 | 61.97 | 1733.33 | 20800.00 |
| 64 | 2030-09 | 1790.53 | 57.20 | 1733.33 | 19066.67 |
| 65 | 2030-10 | 1785.77 | 52.43 | 1733.33 | 17333.33 |
| 66 | 2030-11 | 1781.00 | 47.67 | 1733.33 | 15600.00 |
| 67 | 2030-12 | 1776.23 | 42.90 | 1733.33 | 13866.67 |
| 68 | 2031-01 | 1771.47 | 38.13 | 1733.33 | 12133.33 |
| 69 | 2031-02 | 1766.70 | 33.37 | 1733.33 | 10400.00 |
| 70 | 2031-03 | 1761.93 | 28.60 | 1733.33 | 8666.67 |
| 71 | 2031-04 | 1757.17 | 23.83 | 1733.33 | 6933.33 |
| 72 | 2031-05 | 1752.40 | 19.07 | 1733.33 | 5200.00 |
| 73 | 2031-06 | 1747.63 | 14.30 | 1733.33 | 3466.67 |
| 74 | 2031-07 | 1742.87 | 9.53 | 1733.33 | 1733.33 |
| 75 | 2031-08 | 1738.10 | 4.77 | 1733.33 | 0.00 |