贷款8.02万（公积金贷款）房贷，还款3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：8.02万
还款月数：3年4个月
每月还款：2105.04元
利息总额：3966.67元
本息合计：8.42万
| 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 | 2105.04 | 190.56 | 1914.48 | 78320.52 |
| 2 | 2025-07 | 2105.04 | 186.01 | 1919.03 | 76401.49 |
| 3 | 2025-08 | 2105.04 | 181.45 | 1923.59 | 74477.90 |
| 4 | 2025-09 | 2105.04 | 176.89 | 1928.16 | 72549.74 |
| 5 | 2025-10 | 2105.04 | 172.31 | 1932.74 | 70617.01 |
| 6 | 2025-11 | 2105.04 | 167.72 | 1937.33 | 68679.68 |
| 7 | 2025-12 | 2105.04 | 163.11 | 1941.93 | 66737.75 |
| 8 | 2026-01 | 2105.04 | 158.50 | 1946.54 | 64791.21 |
| 9 | 2026-02 | 2105.04 | 153.88 | 1951.16 | 62840.05 |
| 10 | 2026-03 | 2105.04 | 149.25 | 1955.80 | 60884.25 |
| 11 | 2026-04 | 2105.04 | 144.60 | 1960.44 | 58923.81 |
| 12 | 2026-05 | 2105.04 | 139.94 | 1965.10 | 56958.71 |
| 13 | 2026-06 | 2105.04 | 135.28 | 1969.76 | 54988.95 |
| 14 | 2026-07 | 2105.04 | 130.60 | 1974.44 | 53014.51 |
| 15 | 2026-08 | 2105.04 | 125.91 | 1979.13 | 51035.37 |
| 16 | 2026-09 | 2105.04 | 121.21 | 1983.83 | 49051.54 |
| 17 | 2026-10 | 2105.04 | 116.50 | 1988.54 | 47063.00 |
| 18 | 2026-11 | 2105.04 | 111.77 | 1993.27 | 45069.73 |
| 19 | 2026-12 | 2105.04 | 107.04 | 1998.00 | 43071.73 |
| 20 | 2027-01 | 2105.04 | 102.30 | 2002.75 | 41068.98 |
| 21 | 2027-02 | 2105.04 | 97.54 | 2007.50 | 39061.48 |
| 22 | 2027-03 | 2105.04 | 92.77 | 2012.27 | 37049.21 |
| 23 | 2027-04 | 2105.04 | 87.99 | 2017.05 | 35032.16 |
| 24 | 2027-05 | 2105.04 | 83.20 | 2021.84 | 33010.32 |
| 25 | 2027-06 | 2105.04 | 78.40 | 2026.64 | 30983.68 |
| 26 | 2027-07 | 2105.04 | 73.59 | 2031.46 | 28952.22 |
| 27 | 2027-08 | 2105.04 | 68.76 | 2036.28 | 26915.94 |
| 28 | 2027-09 | 2105.04 | 63.93 | 2041.12 | 24874.82 |
| 29 | 2027-10 | 2105.04 | 59.08 | 2045.96 | 22828.86 |
| 30 | 2027-11 | 2105.04 | 54.22 | 2050.82 | 20778.04 |
| 31 | 2027-12 | 2105.04 | 49.35 | 2055.69 | 18722.34 |
| 32 | 2028-01 | 2105.04 | 44.47 | 2060.58 | 16661.77 |
| 33 | 2028-02 | 2105.04 | 39.57 | 2065.47 | 14596.30 |
| 34 | 2028-03 | 2105.04 | 34.67 | 2070.38 | 12525.92 |
| 35 | 2028-04 | 2105.04 | 29.75 | 2075.29 | 10450.63 |
| 36 | 2028-05 | 2105.04 | 24.82 | 2080.22 | 8370.41 |
| 37 | 2028-06 | 2105.04 | 19.88 | 2085.16 | 6285.25 |
| 38 | 2028-07 | 2105.04 | 14.93 | 2090.11 | 4195.13 |
| 39 | 2028-08 | 2105.04 | 9.96 | 2095.08 | 2100.05 |
| 40 | 2028-09 | 2105.04 | 4.99 | 2100.05 | 0.00 |
等额本金还款方式：
贷款总额：8.02万
还款月数：3年4个月
首月还款：2196.43元
每月递减：4.76元
利息总额：3906.44元
本息合计：8.41万
节省利息：60.23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 | 2196.43 | 190.56 | 2005.88 | 78229.13 |
| 2 | 2025-07 | 2191.67 | 185.79 | 2005.88 | 76223.25 |
| 3 | 2025-08 | 2186.91 | 181.03 | 2005.88 | 74217.38 |
| 4 | 2025-09 | 2182.14 | 176.27 | 2005.88 | 72211.50 |
| 5 | 2025-10 | 2177.38 | 171.50 | 2005.88 | 70205.63 |
| 6 | 2025-11 | 2172.61 | 166.74 | 2005.88 | 68199.75 |
| 7 | 2025-12 | 2167.85 | 161.97 | 2005.88 | 66193.88 |
| 8 | 2026-01 | 2163.09 | 157.21 | 2005.88 | 64188.00 |
| 9 | 2026-02 | 2158.32 | 152.45 | 2005.88 | 62182.13 |
| 10 | 2026-03 | 2153.56 | 147.68 | 2005.88 | 60176.25 |
| 11 | 2026-04 | 2148.79 | 142.92 | 2005.88 | 58170.38 |
| 12 | 2026-05 | 2144.03 | 138.15 | 2005.88 | 56164.50 |
| 13 | 2026-06 | 2139.27 | 133.39 | 2005.88 | 54158.63 |
| 14 | 2026-07 | 2134.50 | 128.63 | 2005.88 | 52152.75 |
| 15 | 2026-08 | 2129.74 | 123.86 | 2005.88 | 50146.88 |
| 16 | 2026-09 | 2124.97 | 119.10 | 2005.88 | 48141.00 |
| 17 | 2026-10 | 2120.21 | 114.33 | 2005.88 | 46135.13 |
| 18 | 2026-11 | 2115.45 | 109.57 | 2005.88 | 44129.25 |
| 19 | 2026-12 | 2110.68 | 104.81 | 2005.88 | 42123.38 |
| 20 | 2027-01 | 2105.92 | 100.04 | 2005.88 | 40117.50 |
| 21 | 2027-02 | 2101.15 | 95.28 | 2005.88 | 38111.63 |
| 22 | 2027-03 | 2096.39 | 90.52 | 2005.88 | 36105.75 |
| 23 | 2027-04 | 2091.63 | 85.75 | 2005.88 | 34099.88 |
| 24 | 2027-05 | 2086.86 | 80.99 | 2005.88 | 32094.00 |
| 25 | 2027-06 | 2082.10 | 76.22 | 2005.88 | 30088.13 |
| 26 | 2027-07 | 2077.33 | 71.46 | 2005.88 | 28082.25 |
| 27 | 2027-08 | 2072.57 | 66.70 | 2005.88 | 26076.38 |
| 28 | 2027-09 | 2067.81 | 61.93 | 2005.88 | 24070.50 |
| 29 | 2027-10 | 2063.04 | 57.17 | 2005.88 | 22064.63 |
| 30 | 2027-11 | 2058.28 | 52.40 | 2005.88 | 20058.75 |
| 31 | 2027-12 | 2053.51 | 47.64 | 2005.88 | 18052.88 |
| 32 | 2028-01 | 2048.75 | 42.88 | 2005.88 | 16047.00 |
| 33 | 2028-02 | 2043.99 | 38.11 | 2005.88 | 14041.13 |
| 34 | 2028-03 | 2039.22 | 33.35 | 2005.88 | 12035.25 |
| 35 | 2028-04 | 2034.46 | 28.58 | 2005.88 | 10029.38 |
| 36 | 2028-05 | 2029.69 | 23.82 | 2005.88 | 8023.50 |
| 37 | 2028-06 | 2024.93 | 19.06 | 2005.88 | 6017.63 |
| 38 | 2028-07 | 2020.17 | 14.29 | 2005.88 | 4011.75 |
| 39 | 2028-08 | 2015.40 | 9.53 | 2005.88 | 2005.88 |
| 40 | 2028-09 | 2010.64 | 4.76 | 2005.88 | 0.00 |