贷款8.02万（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：8.02万
还款月数：6年
每月还款：1213.69元
利息总额：7150.52元
本息合计：8.74万
| 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 | 1213.69 | 190.56 | 1023.13 | 79211.87 |
| 2 | 2025-07 | 1213.69 | 188.13 | 1025.56 | 78186.31 |
| 3 | 2025-08 | 1213.69 | 185.69 | 1028.00 | 77158.32 |
| 4 | 2025-09 | 1213.69 | 183.25 | 1030.44 | 76127.88 |
| 5 | 2025-10 | 1213.69 | 180.80 | 1032.88 | 75094.99 |
| 6 | 2025-11 | 1213.69 | 178.35 | 1035.34 | 74059.66 |
| 7 | 2025-12 | 1213.69 | 175.89 | 1037.80 | 73021.86 |
| 8 | 2026-01 | 1213.69 | 173.43 | 1040.26 | 71981.60 |
| 9 | 2026-02 | 1213.69 | 170.96 | 1042.73 | 70938.87 |
| 10 | 2026-03 | 1213.69 | 168.48 | 1045.21 | 69893.66 |
| 11 | 2026-04 | 1213.69 | 166.00 | 1047.69 | 68845.97 |
| 12 | 2026-05 | 1213.69 | 163.51 | 1050.18 | 67795.79 |
| 13 | 2026-06 | 1213.69 | 161.02 | 1052.67 | 66743.12 |
| 14 | 2026-07 | 1213.69 | 158.51 | 1055.17 | 65687.95 |
| 15 | 2026-08 | 1213.69 | 156.01 | 1057.68 | 64630.27 |
| 16 | 2026-09 | 1213.69 | 153.50 | 1060.19 | 63570.08 |
| 17 | 2026-10 | 1213.69 | 150.98 | 1062.71 | 62507.37 |
| 18 | 2026-11 | 1213.69 | 148.45 | 1065.23 | 61442.14 |
| 19 | 2026-12 | 1213.69 | 145.93 | 1067.76 | 60374.37 |
| 20 | 2027-01 | 1213.69 | 143.39 | 1070.30 | 59304.07 |
| 21 | 2027-02 | 1213.69 | 140.85 | 1072.84 | 58231.23 |
| 22 | 2027-03 | 1213.69 | 138.30 | 1075.39 | 57155.84 |
| 23 | 2027-04 | 1213.69 | 135.75 | 1077.94 | 56077.90 |
| 24 | 2027-05 | 1213.69 | 133.19 | 1080.50 | 54997.40 |
| 25 | 2027-06 | 1213.69 | 130.62 | 1083.07 | 53914.33 |
| 26 | 2027-07 | 1213.69 | 128.05 | 1085.64 | 52828.69 |
| 27 | 2027-08 | 1213.69 | 125.47 | 1088.22 | 51740.47 |
| 28 | 2027-09 | 1213.69 | 122.88 | 1090.80 | 50649.67 |
| 29 | 2027-10 | 1213.69 | 120.29 | 1093.39 | 49556.27 |
| 30 | 2027-11 | 1213.69 | 117.70 | 1095.99 | 48460.28 |
| 31 | 2027-12 | 1213.69 | 115.09 | 1098.59 | 47361.68 |
| 32 | 2028-01 | 1213.69 | 112.48 | 1101.20 | 46260.48 |
| 33 | 2028-02 | 1213.69 | 109.87 | 1103.82 | 45156.66 |
| 34 | 2028-03 | 1213.69 | 107.25 | 1106.44 | 44050.22 |
| 35 | 2028-04 | 1213.69 | 104.62 | 1109.07 | 42941.15 |
| 36 | 2028-05 | 1213.69 | 101.99 | 1111.70 | 41829.45 |
| 37 | 2028-06 | 1213.69 | 99.34 | 1114.34 | 40715.11 |
| 38 | 2028-07 | 1213.69 | 96.70 | 1116.99 | 39598.12 |
| 39 | 2028-08 | 1213.69 | 94.05 | 1119.64 | 38478.47 |
| 40 | 2028-09 | 1213.69 | 91.39 | 1122.30 | 37356.17 |
| 41 | 2028-10 | 1213.69 | 88.72 | 1124.97 | 36231.21 |
| 42 | 2028-11 | 1213.69 | 86.05 | 1127.64 | 35103.57 |
| 43 | 2028-12 | 1213.69 | 83.37 | 1130.32 | 33973.25 |
| 44 | 2029-01 | 1213.69 | 80.69 | 1133.00 | 32840.25 |
| 45 | 2029-02 | 1213.69 | 78.00 | 1135.69 | 31704.56 |
| 46 | 2029-03 | 1213.69 | 75.30 | 1138.39 | 30566.17 |
| 47 | 2029-04 | 1213.69 | 72.59 | 1141.09 | 29425.08 |
| 48 | 2029-05 | 1213.69 | 69.88 | 1143.80 | 28281.27 |
| 49 | 2029-06 | 1213.69 | 67.17 | 1146.52 | 27134.75 |
| 50 | 2029-07 | 1213.69 | 64.45 | 1149.24 | 25985.51 |
| 51 | 2029-08 | 1213.69 | 61.72 | 1151.97 | 24833.54 |
| 52 | 2029-09 | 1213.69 | 58.98 | 1154.71 | 23678.83 |
| 53 | 2029-10 | 1213.69 | 56.24 | 1157.45 | 22521.38 |
| 54 | 2029-11 | 1213.69 | 53.49 | 1160.20 | 21361.18 |
| 55 | 2029-12 | 1213.69 | 50.73 | 1162.95 | 20198.22 |
| 56 | 2030-01 | 1213.69 | 47.97 | 1165.72 | 19032.51 |
| 57 | 2030-02 | 1213.69 | 45.20 | 1168.49 | 17864.02 |
| 58 | 2030-03 | 1213.69 | 42.43 | 1171.26 | 16692.76 |
| 59 | 2030-04 | 1213.69 | 39.65 | 1174.04 | 15518.72 |
| 60 | 2030-05 | 1213.69 | 36.86 | 1176.83 | 14341.89 |
| 61 | 2030-06 | 1213.69 | 34.06 | 1179.63 | 13162.26 |
| 62 | 2030-07 | 1213.69 | 31.26 | 1182.43 | 11979.83 |
| 63 | 2030-08 | 1213.69 | 28.45 | 1185.24 | 10794.60 |
| 64 | 2030-09 | 1213.69 | 25.64 | 1188.05 | 9606.55 |
| 65 | 2030-10 | 1213.69 | 22.82 | 1190.87 | 8415.68 |
| 66 | 2030-11 | 1213.69 | 19.99 | 1193.70 | 7221.98 |
| 67 | 2030-12 | 1213.69 | 17.15 | 1196.54 | 6025.44 |
| 68 | 2031-01 | 1213.69 | 14.31 | 1199.38 | 4826.06 |
| 69 | 2031-02 | 1213.69 | 11.46 | 1202.23 | 3623.84 |
| 70 | 2031-03 | 1213.69 | 8.61 | 1205.08 | 2418.76 |
| 71 | 2031-04 | 1213.69 | 5.74 | 1207.94 | 1210.81 |
| 72 | 2031-05 | 1213.69 | 2.88 | 1210.81 | 0.00 |
等额本金还款方式：
贷款总额：8.02万
还款月数：6年
首月还款：1304.93元
每月递减：2.65元
利息总额：6955.37元
本息合计：8.72万
节省利息：195.15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 | 1304.93 | 190.56 | 1114.38 | 79120.63 |
| 2 | 2025-07 | 1302.29 | 187.91 | 1114.38 | 78006.25 |
| 3 | 2025-08 | 1299.64 | 185.26 | 1114.38 | 76891.88 |
| 4 | 2025-09 | 1296.99 | 182.62 | 1114.38 | 75777.50 |
| 5 | 2025-10 | 1294.35 | 179.97 | 1114.38 | 74663.13 |
| 6 | 2025-11 | 1291.70 | 177.32 | 1114.38 | 73548.75 |
| 7 | 2025-12 | 1289.05 | 174.68 | 1114.38 | 72434.38 |
| 8 | 2026-01 | 1286.41 | 172.03 | 1114.38 | 71320.00 |
| 9 | 2026-02 | 1283.76 | 169.38 | 1114.38 | 70205.63 |
| 10 | 2026-03 | 1281.11 | 166.74 | 1114.38 | 69091.25 |
| 11 | 2026-04 | 1278.47 | 164.09 | 1114.38 | 67976.88 |
| 12 | 2026-05 | 1275.82 | 161.45 | 1114.38 | 66862.50 |
| 13 | 2026-06 | 1273.17 | 158.80 | 1114.38 | 65748.13 |
| 14 | 2026-07 | 1270.53 | 156.15 | 1114.38 | 64633.75 |
| 15 | 2026-08 | 1267.88 | 153.51 | 1114.38 | 63519.38 |
| 16 | 2026-09 | 1265.23 | 150.86 | 1114.38 | 62405.00 |
| 17 | 2026-10 | 1262.59 | 148.21 | 1114.38 | 61290.63 |
| 18 | 2026-11 | 1259.94 | 145.57 | 1114.38 | 60176.25 |
| 19 | 2026-12 | 1257.29 | 142.92 | 1114.38 | 59061.88 |
| 20 | 2027-01 | 1254.65 | 140.27 | 1114.38 | 57947.50 |
| 21 | 2027-02 | 1252.00 | 137.63 | 1114.38 | 56833.13 |
| 22 | 2027-03 | 1249.35 | 134.98 | 1114.38 | 55718.75 |
| 23 | 2027-04 | 1246.71 | 132.33 | 1114.38 | 54604.38 |
| 24 | 2027-05 | 1244.06 | 129.69 | 1114.38 | 53490.00 |
| 25 | 2027-06 | 1241.41 | 127.04 | 1114.38 | 52375.63 |
| 26 | 2027-07 | 1238.77 | 124.39 | 1114.38 | 51261.25 |
| 27 | 2027-08 | 1236.12 | 121.75 | 1114.38 | 50146.88 |
| 28 | 2027-09 | 1233.47 | 119.10 | 1114.38 | 49032.50 |
| 29 | 2027-10 | 1230.83 | 116.45 | 1114.38 | 47918.13 |
| 30 | 2027-11 | 1228.18 | 113.81 | 1114.38 | 46803.75 |
| 31 | 2027-12 | 1225.53 | 111.16 | 1114.38 | 45689.38 |
| 32 | 2028-01 | 1222.89 | 108.51 | 1114.38 | 44575.00 |
| 33 | 2028-02 | 1220.24 | 105.87 | 1114.38 | 43460.63 |
| 34 | 2028-03 | 1217.59 | 103.22 | 1114.38 | 42346.25 |
| 35 | 2028-04 | 1214.95 | 100.57 | 1114.38 | 41231.88 |
| 36 | 2028-05 | 1212.30 | 97.93 | 1114.38 | 40117.50 |
| 37 | 2028-06 | 1209.65 | 95.28 | 1114.38 | 39003.13 |
| 38 | 2028-07 | 1207.01 | 92.63 | 1114.38 | 37888.75 |
| 39 | 2028-08 | 1204.36 | 89.99 | 1114.38 | 36774.38 |
| 40 | 2028-09 | 1201.71 | 87.34 | 1114.38 | 35660.00 |
| 41 | 2028-10 | 1199.07 | 84.69 | 1114.38 | 34545.63 |
| 42 | 2028-11 | 1196.42 | 82.05 | 1114.38 | 33431.25 |
| 43 | 2028-12 | 1193.77 | 79.40 | 1114.38 | 32316.88 |
| 44 | 2029-01 | 1191.13 | 76.75 | 1114.38 | 31202.50 |
| 45 | 2029-02 | 1188.48 | 74.11 | 1114.38 | 30088.13 |
| 46 | 2029-03 | 1185.83 | 71.46 | 1114.38 | 28973.75 |
| 47 | 2029-04 | 1183.19 | 68.81 | 1114.38 | 27859.38 |
| 48 | 2029-05 | 1180.54 | 66.17 | 1114.38 | 26745.00 |
| 49 | 2029-06 | 1177.89 | 63.52 | 1114.38 | 25630.63 |
| 50 | 2029-07 | 1175.25 | 60.87 | 1114.38 | 24516.25 |
| 51 | 2029-08 | 1172.60 | 58.23 | 1114.38 | 23401.88 |
| 52 | 2029-09 | 1169.95 | 55.58 | 1114.38 | 22287.50 |
| 53 | 2029-10 | 1167.31 | 52.93 | 1114.38 | 21173.13 |
| 54 | 2029-11 | 1164.66 | 50.29 | 1114.38 | 20058.75 |
| 55 | 2029-12 | 1162.01 | 47.64 | 1114.38 | 18944.38 |
| 56 | 2030-01 | 1159.37 | 44.99 | 1114.38 | 17830.00 |
| 57 | 2030-02 | 1156.72 | 42.35 | 1114.38 | 16715.63 |
| 58 | 2030-03 | 1154.07 | 39.70 | 1114.38 | 15601.25 |
| 59 | 2030-04 | 1151.43 | 37.05 | 1114.38 | 14486.88 |
| 60 | 2030-05 | 1148.78 | 34.41 | 1114.38 | 13372.50 |
| 61 | 2030-06 | 1146.13 | 31.76 | 1114.38 | 12258.13 |
| 62 | 2030-07 | 1143.49 | 29.11 | 1114.38 | 11143.75 |
| 63 | 2030-08 | 1140.84 | 26.47 | 1114.38 | 10029.38 |
| 64 | 2030-09 | 1138.19 | 23.82 | 1114.38 | 8915.00 |
| 65 | 2030-10 | 1135.55 | 21.17 | 1114.38 | 7800.63 |
| 66 | 2030-11 | 1132.90 | 18.53 | 1114.38 | 6686.25 |
| 67 | 2030-12 | 1130.25 | 15.88 | 1114.38 | 5571.88 |
| 68 | 2031-01 | 1127.61 | 13.23 | 1114.38 | 4457.50 |
| 69 | 2031-02 | 1124.96 | 10.59 | 1114.38 | 3343.13 |
| 70 | 2031-03 | 1122.31 | 7.94 | 1114.38 | 2228.75 |
| 71 | 2031-04 | 1119.67 | 5.29 | 1114.38 | 1114.38 |
| 72 | 2031-05 | 1117.02 | 2.65 | 1114.38 | 0.00 |