贷款8.02万（公积金贷款）房贷，还款5年8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：5年8个月
每月还款：1279.17元
利息总额：6748.33元
本息合计：8.7万
| 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 | 1279.17 | 190.56 | 1088.61 | 79146.39 |
| 2 | 2025-07 | 1279.17 | 187.97 | 1091.19 | 78055.20 |
| 3 | 2025-08 | 1279.17 | 185.38 | 1093.79 | 76961.41 |
| 4 | 2025-09 | 1279.17 | 182.78 | 1096.38 | 75865.03 |
| 5 | 2025-10 | 1279.17 | 180.18 | 1098.99 | 74766.04 |
| 6 | 2025-11 | 1279.17 | 177.57 | 1101.60 | 73664.44 |
| 7 | 2025-12 | 1279.17 | 174.95 | 1104.21 | 72560.23 |
| 8 | 2026-01 | 1279.17 | 172.33 | 1106.84 | 71453.39 |
| 9 | 2026-02 | 1279.17 | 169.70 | 1109.46 | 70343.93 |
| 10 | 2026-03 | 1279.17 | 167.07 | 1112.10 | 69231.83 |
| 11 | 2026-04 | 1279.17 | 164.43 | 1114.74 | 68117.09 |
| 12 | 2026-05 | 1279.17 | 161.78 | 1117.39 | 66999.70 |
| 13 | 2026-06 | 1279.17 | 159.12 | 1120.04 | 65879.66 |
| 14 | 2026-07 | 1279.17 | 156.46 | 1122.70 | 64756.96 |
| 15 | 2026-08 | 1279.17 | 153.80 | 1125.37 | 63631.59 |
| 16 | 2026-09 | 1279.17 | 151.13 | 1128.04 | 62503.55 |
| 17 | 2026-10 | 1279.17 | 148.45 | 1130.72 | 61372.83 |
| 18 | 2026-11 | 1279.17 | 145.76 | 1133.41 | 60239.42 |
| 19 | 2026-12 | 1279.17 | 143.07 | 1136.10 | 59103.32 |
| 20 | 2027-01 | 1279.17 | 140.37 | 1138.80 | 57964.52 |
| 21 | 2027-02 | 1279.17 | 137.67 | 1141.50 | 56823.02 |
| 22 | 2027-03 | 1279.17 | 134.95 | 1144.21 | 55678.81 |
| 23 | 2027-04 | 1279.17 | 132.24 | 1146.93 | 54531.88 |
| 24 | 2027-05 | 1279.17 | 129.51 | 1149.65 | 53382.23 |
| 25 | 2027-06 | 1279.17 | 126.78 | 1152.38 | 52229.85 |
| 26 | 2027-07 | 1279.17 | 124.05 | 1155.12 | 51074.72 |
| 27 | 2027-08 | 1279.17 | 121.30 | 1157.86 | 49916.86 |
| 28 | 2027-09 | 1279.17 | 118.55 | 1160.61 | 48756.25 |
| 29 | 2027-10 | 1279.17 | 115.80 | 1163.37 | 47592.88 |
| 30 | 2027-11 | 1279.17 | 113.03 | 1166.13 | 46426.74 |
| 31 | 2027-12 | 1279.17 | 110.26 | 1168.90 | 45257.84 |
| 32 | 2028-01 | 1279.17 | 107.49 | 1171.68 | 44086.16 |
| 33 | 2028-02 | 1279.17 | 104.70 | 1174.46 | 42911.70 |
| 34 | 2028-03 | 1279.17 | 101.92 | 1177.25 | 41734.45 |
| 35 | 2028-04 | 1279.17 | 99.12 | 1180.05 | 40554.40 |
| 36 | 2028-05 | 1279.17 | 96.32 | 1182.85 | 39371.55 |
| 37 | 2028-06 | 1279.17 | 93.51 | 1185.66 | 38185.89 |
| 38 | 2028-07 | 1279.17 | 90.69 | 1188.48 | 36997.42 |
| 39 | 2028-08 | 1279.17 | 87.87 | 1191.30 | 35806.12 |
| 40 | 2028-09 | 1279.17 | 85.04 | 1194.13 | 34611.99 |
| 41 | 2028-10 | 1279.17 | 82.20 | 1196.96 | 33415.03 |
| 42 | 2028-11 | 1279.17 | 79.36 | 1199.81 | 32215.22 |
| 43 | 2028-12 | 1279.17 | 76.51 | 1202.66 | 31012.57 |
| 44 | 2029-01 | 1279.17 | 73.65 | 1205.51 | 29807.05 |
| 45 | 2029-02 | 1279.17 | 70.79 | 1208.37 | 28598.68 |
| 46 | 2029-03 | 1279.17 | 67.92 | 1211.24 | 27387.44 |
| 47 | 2029-04 | 1279.17 | 65.05 | 1214.12 | 26173.31 |
| 48 | 2029-05 | 1279.17 | 62.16 | 1217.00 | 24956.31 |
| 49 | 2029-06 | 1279.17 | 59.27 | 1219.90 | 23736.41 |
| 50 | 2029-07 | 1279.17 | 56.37 | 1222.79 | 22513.62 |
| 51 | 2029-08 | 1279.17 | 53.47 | 1225.70 | 21287.92 |
| 52 | 2029-09 | 1279.17 | 50.56 | 1228.61 | 20059.32 |
| 53 | 2029-10 | 1279.17 | 47.64 | 1231.53 | 18827.79 |
| 54 | 2029-11 | 1279.17 | 44.72 | 1234.45 | 17593.34 |
| 55 | 2029-12 | 1279.17 | 41.78 | 1237.38 | 16355.96 |
| 56 | 2030-01 | 1279.17 | 38.85 | 1240.32 | 15115.64 |
| 57 | 2030-02 | 1279.17 | 35.90 | 1243.27 | 13872.37 |
| 58 | 2030-03 | 1279.17 | 32.95 | 1246.22 | 12626.15 |
| 59 | 2030-04 | 1279.17 | 29.99 | 1249.18 | 11376.97 |
| 60 | 2030-05 | 1279.17 | 27.02 | 1252.15 | 10124.82 |
| 61 | 2030-06 | 1279.17 | 24.05 | 1255.12 | 8869.70 |
| 62 | 2030-07 | 1279.17 | 21.07 | 1258.10 | 7611.60 |
| 63 | 2030-08 | 1279.17 | 18.08 | 1261.09 | 6350.51 |
| 64 | 2030-09 | 1279.17 | 15.08 | 1264.08 | 5086.43 |
| 65 | 2030-10 | 1279.17 | 12.08 | 1267.09 | 3819.34 |
| 66 | 2030-11 | 1279.17 | 9.07 | 1270.10 | 2549.25 |
| 67 | 2030-12 | 1279.17 | 6.05 | 1273.11 | 1276.14 |
| 68 | 2031-01 | 1279.17 | 3.03 | 1276.14 | 0.00 |
等额本金还款方式：
贷款总额：8.02万
还款月数：5年8个月
首月还款：1370.48元
每月递减：2.8元
利息总额：6574.26元
本息合计：8.68万
节省利息：174.07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 | 1370.48 | 190.56 | 1179.93 | 79055.07 |
| 2 | 2025-07 | 1367.68 | 187.76 | 1179.93 | 77875.15 |
| 3 | 2025-08 | 1364.88 | 184.95 | 1179.93 | 76695.22 |
| 4 | 2025-09 | 1362.08 | 182.15 | 1179.93 | 75515.29 |
| 5 | 2025-10 | 1359.28 | 179.35 | 1179.93 | 74335.37 |
| 6 | 2025-11 | 1356.47 | 176.55 | 1179.93 | 73155.44 |
| 7 | 2025-12 | 1353.67 | 173.74 | 1179.93 | 71975.51 |
| 8 | 2026-01 | 1350.87 | 170.94 | 1179.93 | 70795.59 |
| 9 | 2026-02 | 1348.07 | 168.14 | 1179.93 | 69615.66 |
| 10 | 2026-03 | 1345.26 | 165.34 | 1179.93 | 68435.74 |
| 11 | 2026-04 | 1342.46 | 162.53 | 1179.93 | 67255.81 |
| 12 | 2026-05 | 1339.66 | 159.73 | 1179.93 | 66075.88 |
| 13 | 2026-06 | 1336.86 | 156.93 | 1179.93 | 64895.96 |
| 14 | 2026-07 | 1334.05 | 154.13 | 1179.93 | 63716.03 |
| 15 | 2026-08 | 1331.25 | 151.33 | 1179.93 | 62536.10 |
| 16 | 2026-09 | 1328.45 | 148.52 | 1179.93 | 61356.18 |
| 17 | 2026-10 | 1325.65 | 145.72 | 1179.93 | 60176.25 |
| 18 | 2026-11 | 1322.85 | 142.92 | 1179.93 | 58996.32 |
| 19 | 2026-12 | 1320.04 | 140.12 | 1179.93 | 57816.40 |
| 20 | 2027-01 | 1317.24 | 137.31 | 1179.93 | 56636.47 |
| 21 | 2027-02 | 1314.44 | 134.51 | 1179.93 | 55456.54 |
| 22 | 2027-03 | 1311.64 | 131.71 | 1179.93 | 54276.62 |
| 23 | 2027-04 | 1308.83 | 128.91 | 1179.93 | 53096.69 |
| 24 | 2027-05 | 1306.03 | 126.10 | 1179.93 | 51916.76 |
| 25 | 2027-06 | 1303.23 | 123.30 | 1179.93 | 50736.84 |
| 26 | 2027-07 | 1300.43 | 120.50 | 1179.93 | 49556.91 |
| 27 | 2027-08 | 1297.62 | 117.70 | 1179.93 | 48376.99 |
| 28 | 2027-09 | 1294.82 | 114.90 | 1179.93 | 47197.06 |
| 29 | 2027-10 | 1292.02 | 112.09 | 1179.93 | 46017.13 |
| 30 | 2027-11 | 1289.22 | 109.29 | 1179.93 | 44837.21 |
| 31 | 2027-12 | 1286.41 | 106.49 | 1179.93 | 43657.28 |
| 32 | 2028-01 | 1283.61 | 103.69 | 1179.93 | 42477.35 |
| 33 | 2028-02 | 1280.81 | 100.88 | 1179.93 | 41297.43 |
| 34 | 2028-03 | 1278.01 | 98.08 | 1179.93 | 40117.50 |
| 35 | 2028-04 | 1275.21 | 95.28 | 1179.93 | 38937.57 |
| 36 | 2028-05 | 1272.40 | 92.48 | 1179.93 | 37757.65 |
| 37 | 2028-06 | 1269.60 | 89.67 | 1179.93 | 36577.72 |
| 38 | 2028-07 | 1266.80 | 86.87 | 1179.93 | 35397.79 |
| 39 | 2028-08 | 1264.00 | 84.07 | 1179.93 | 34217.87 |
| 40 | 2028-09 | 1261.19 | 81.27 | 1179.93 | 33037.94 |
| 41 | 2028-10 | 1258.39 | 78.47 | 1179.93 | 31858.01 |
| 42 | 2028-11 | 1255.59 | 75.66 | 1179.93 | 30678.09 |
| 43 | 2028-12 | 1252.79 | 72.86 | 1179.93 | 29498.16 |
| 44 | 2029-01 | 1249.98 | 70.06 | 1179.93 | 28318.24 |
| 45 | 2029-02 | 1247.18 | 67.26 | 1179.93 | 27138.31 |
| 46 | 2029-03 | 1244.38 | 64.45 | 1179.93 | 25958.38 |
| 47 | 2029-04 | 1241.58 | 61.65 | 1179.93 | 24778.46 |
| 48 | 2029-05 | 1238.78 | 58.85 | 1179.93 | 23598.53 |
| 49 | 2029-06 | 1235.97 | 56.05 | 1179.93 | 22418.60 |
| 50 | 2029-07 | 1233.17 | 53.24 | 1179.93 | 21238.68 |
| 51 | 2029-08 | 1230.37 | 50.44 | 1179.93 | 20058.75 |
| 52 | 2029-09 | 1227.57 | 47.64 | 1179.93 | 18878.82 |
| 53 | 2029-10 | 1224.76 | 44.84 | 1179.93 | 17698.90 |
| 54 | 2029-11 | 1221.96 | 42.03 | 1179.93 | 16518.97 |
| 55 | 2029-12 | 1219.16 | 39.23 | 1179.93 | 15339.04 |
| 56 | 2030-01 | 1216.36 | 36.43 | 1179.93 | 14159.12 |
| 57 | 2030-02 | 1213.55 | 33.63 | 1179.93 | 12979.19 |
| 58 | 2030-03 | 1210.75 | 30.83 | 1179.93 | 11799.26 |
| 59 | 2030-04 | 1207.95 | 28.02 | 1179.93 | 10619.34 |
| 60 | 2030-05 | 1205.15 | 25.22 | 1179.93 | 9439.41 |
| 61 | 2030-06 | 1202.35 | 22.42 | 1179.93 | 8259.49 |
| 62 | 2030-07 | 1199.54 | 19.62 | 1179.93 | 7079.56 |
| 63 | 2030-08 | 1196.74 | 16.81 | 1179.93 | 5899.63 |
| 64 | 2030-09 | 1193.94 | 14.01 | 1179.93 | 4719.71 |
| 65 | 2030-10 | 1191.14 | 11.21 | 1179.93 | 3539.78 |
| 66 | 2030-11 | 1188.33 | 8.41 | 1179.93 | 2359.85 |
| 67 | 2030-12 | 1185.53 | 5.60 | 1179.93 | 1179.93 |
| 68 | 2031-01 | 1182.73 | 2.80 | 1179.93 | 0.00 |