贷款8.02万（公积金贷款）房贷，还款5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：8.02万
还款月数：5年3个月
每月还款：1372.73元
利息总额：6247.28元
本息合计：8.65万
| 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 | 1372.73 | 190.56 | 1182.18 | 79052.82 |
| 2 | 2025-07 | 1372.73 | 187.75 | 1184.98 | 77867.84 |
| 3 | 2025-08 | 1372.73 | 184.94 | 1187.80 | 76680.04 |
| 4 | 2025-09 | 1372.73 | 182.12 | 1190.62 | 75489.42 |
| 5 | 2025-10 | 1372.73 | 179.29 | 1193.45 | 74295.97 |
| 6 | 2025-11 | 1372.73 | 176.45 | 1196.28 | 73099.69 |
| 7 | 2025-12 | 1372.73 | 173.61 | 1199.12 | 71900.57 |
| 8 | 2026-01 | 1372.73 | 170.76 | 1201.97 | 70698.60 |
| 9 | 2026-02 | 1372.73 | 167.91 | 1204.83 | 69493.77 |
| 10 | 2026-03 | 1372.73 | 165.05 | 1207.69 | 68286.09 |
| 11 | 2026-04 | 1372.73 | 162.18 | 1210.56 | 67075.53 |
| 12 | 2026-05 | 1372.73 | 159.30 | 1213.43 | 65862.10 |
| 13 | 2026-06 | 1372.73 | 156.42 | 1216.31 | 64645.79 |
| 14 | 2026-07 | 1372.73 | 153.53 | 1219.20 | 63426.59 |
| 15 | 2026-08 | 1372.73 | 150.64 | 1222.10 | 62204.49 |
| 16 | 2026-09 | 1372.73 | 147.74 | 1225.00 | 60979.49 |
| 17 | 2026-10 | 1372.73 | 144.83 | 1227.91 | 59751.58 |
| 18 | 2026-11 | 1372.73 | 141.91 | 1230.82 | 58520.76 |
| 19 | 2026-12 | 1372.73 | 138.99 | 1233.75 | 57287.01 |
| 20 | 2027-01 | 1372.73 | 136.06 | 1236.68 | 56050.33 |
| 21 | 2027-02 | 1372.73 | 133.12 | 1239.62 | 54810.72 |
| 22 | 2027-03 | 1372.73 | 130.18 | 1242.56 | 53568.16 |
| 23 | 2027-04 | 1372.73 | 127.22 | 1245.51 | 52322.65 |
| 24 | 2027-05 | 1372.73 | 124.27 | 1248.47 | 51074.18 |
| 25 | 2027-06 | 1372.73 | 121.30 | 1251.43 | 49822.75 |
| 26 | 2027-07 | 1372.73 | 118.33 | 1254.41 | 48568.34 |
| 27 | 2027-08 | 1372.73 | 115.35 | 1257.38 | 47310.96 |
| 28 | 2027-09 | 1372.73 | 112.36 | 1260.37 | 46050.59 |
| 29 | 2027-10 | 1372.73 | 109.37 | 1263.36 | 44787.22 |
| 30 | 2027-11 | 1372.73 | 106.37 | 1266.36 | 43520.86 |
| 31 | 2027-12 | 1372.73 | 103.36 | 1269.37 | 42251.49 |
| 32 | 2028-01 | 1372.73 | 100.35 | 1272.39 | 40979.10 |
| 33 | 2028-02 | 1372.73 | 97.33 | 1275.41 | 39703.69 |
| 34 | 2028-03 | 1372.73 | 94.30 | 1278.44 | 38425.25 |
| 35 | 2028-04 | 1372.73 | 91.26 | 1281.47 | 37143.78 |
| 36 | 2028-05 | 1372.73 | 88.22 | 1284.52 | 35859.26 |
| 37 | 2028-06 | 1372.73 | 85.17 | 1287.57 | 34571.69 |
| 38 | 2028-07 | 1372.73 | 82.11 | 1290.63 | 33281.06 |
| 39 | 2028-08 | 1372.73 | 79.04 | 1293.69 | 31987.37 |
| 40 | 2028-09 | 1372.73 | 75.97 | 1296.76 | 30690.61 |
| 41 | 2028-10 | 1372.73 | 72.89 | 1299.84 | 29390.76 |
| 42 | 2028-11 | 1372.73 | 69.80 | 1302.93 | 28087.83 |
| 43 | 2028-12 | 1372.73 | 66.71 | 1306.03 | 26781.80 |
| 44 | 2029-01 | 1372.73 | 63.61 | 1309.13 | 25472.68 |
| 45 | 2029-02 | 1372.73 | 60.50 | 1312.24 | 24160.44 |
| 46 | 2029-03 | 1372.73 | 57.38 | 1315.35 | 22845.09 |
| 47 | 2029-04 | 1372.73 | 54.26 | 1318.48 | 21526.61 |
| 48 | 2029-05 | 1372.73 | 51.13 | 1321.61 | 20205.00 |
| 49 | 2029-06 | 1372.73 | 47.99 | 1324.75 | 18880.25 |
| 50 | 2029-07 | 1372.73 | 44.84 | 1327.89 | 17552.36 |
| 51 | 2029-08 | 1372.73 | 41.69 | 1331.05 | 16221.31 |
| 52 | 2029-09 | 1372.73 | 38.53 | 1334.21 | 14887.10 |
| 53 | 2029-10 | 1372.73 | 35.36 | 1337.38 | 13549.72 |
| 54 | 2029-11 | 1372.73 | 32.18 | 1340.55 | 12209.17 |
| 55 | 2029-12 | 1372.73 | 29.00 | 1343.74 | 10865.43 |
| 56 | 2030-01 | 1372.73 | 25.81 | 1346.93 | 9518.50 |
| 57 | 2030-02 | 1372.73 | 22.61 | 1350.13 | 8168.37 |
| 58 | 2030-03 | 1372.73 | 19.40 | 1353.33 | 6815.04 |
| 59 | 2030-04 | 1372.73 | 16.19 | 1356.55 | 5458.49 |
| 60 | 2030-05 | 1372.73 | 12.96 | 1359.77 | 4098.72 |
| 61 | 2030-06 | 1372.73 | 9.73 | 1363.00 | 2735.72 |
| 62 | 2030-07 | 1372.73 | 6.50 | 1366.24 | 1369.48 |
| 63 | 2030-08 | 1372.73 | 3.25 | 1369.48 | 0.00 |
等额本金还款方式：
贷款总额：8.02万
还款月数：5年3个月
首月还款：1464.13元
每月递减：3.02元
利息总额：6097.86元
本息合计：8.63万
节省利息：149.42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 | 1464.13 | 190.56 | 1273.57 | 78961.43 |
| 2 | 2025-07 | 1461.10 | 187.53 | 1273.57 | 77687.86 |
| 3 | 2025-08 | 1458.08 | 184.51 | 1273.57 | 76414.29 |
| 4 | 2025-09 | 1455.06 | 181.48 | 1273.57 | 75140.71 |
| 5 | 2025-10 | 1452.03 | 178.46 | 1273.57 | 73867.14 |
| 6 | 2025-11 | 1449.01 | 175.43 | 1273.57 | 72593.57 |
| 7 | 2025-12 | 1445.98 | 172.41 | 1273.57 | 71320.00 |
| 8 | 2026-01 | 1442.96 | 169.38 | 1273.57 | 70046.43 |
| 9 | 2026-02 | 1439.93 | 166.36 | 1273.57 | 68772.86 |
| 10 | 2026-03 | 1436.91 | 163.34 | 1273.57 | 67499.29 |
| 11 | 2026-04 | 1433.88 | 160.31 | 1273.57 | 66225.71 |
| 12 | 2026-05 | 1430.86 | 157.29 | 1273.57 | 64952.14 |
| 13 | 2026-06 | 1427.83 | 154.26 | 1273.57 | 63678.57 |
| 14 | 2026-07 | 1424.81 | 151.24 | 1273.57 | 62405.00 |
| 15 | 2026-08 | 1421.78 | 148.21 | 1273.57 | 61131.43 |
| 16 | 2026-09 | 1418.76 | 145.19 | 1273.57 | 59857.86 |
| 17 | 2026-10 | 1415.73 | 142.16 | 1273.57 | 58584.29 |
| 18 | 2026-11 | 1412.71 | 139.14 | 1273.57 | 57310.71 |
| 19 | 2026-12 | 1409.68 | 136.11 | 1273.57 | 56037.14 |
| 20 | 2027-01 | 1406.66 | 133.09 | 1273.57 | 54763.57 |
| 21 | 2027-02 | 1403.63 | 130.06 | 1273.57 | 53490.00 |
| 22 | 2027-03 | 1400.61 | 127.04 | 1273.57 | 52216.43 |
| 23 | 2027-04 | 1397.59 | 124.01 | 1273.57 | 50942.86 |
| 24 | 2027-05 | 1394.56 | 120.99 | 1273.57 | 49669.29 |
| 25 | 2027-06 | 1391.54 | 117.96 | 1273.57 | 48395.71 |
| 26 | 2027-07 | 1388.51 | 114.94 | 1273.57 | 47122.14 |
| 27 | 2027-08 | 1385.49 | 111.92 | 1273.57 | 45848.57 |
| 28 | 2027-09 | 1382.46 | 108.89 | 1273.57 | 44575.00 |
| 29 | 2027-10 | 1379.44 | 105.87 | 1273.57 | 43301.43 |
| 30 | 2027-11 | 1376.41 | 102.84 | 1273.57 | 42027.86 |
| 31 | 2027-12 | 1373.39 | 99.82 | 1273.57 | 40754.29 |
| 32 | 2028-01 | 1370.36 | 96.79 | 1273.57 | 39480.71 |
| 33 | 2028-02 | 1367.34 | 93.77 | 1273.57 | 38207.14 |
| 34 | 2028-03 | 1364.31 | 90.74 | 1273.57 | 36933.57 |
| 35 | 2028-04 | 1361.29 | 87.72 | 1273.57 | 35660.00 |
| 36 | 2028-05 | 1358.26 | 84.69 | 1273.57 | 34386.43 |
| 37 | 2028-06 | 1355.24 | 81.67 | 1273.57 | 33112.86 |
| 38 | 2028-07 | 1352.21 | 78.64 | 1273.57 | 31839.29 |
| 39 | 2028-08 | 1349.19 | 75.62 | 1273.57 | 30565.71 |
| 40 | 2028-09 | 1346.17 | 72.59 | 1273.57 | 29292.14 |
| 41 | 2028-10 | 1343.14 | 69.57 | 1273.57 | 28018.57 |
| 42 | 2028-11 | 1340.12 | 66.54 | 1273.57 | 26745.00 |
| 43 | 2028-12 | 1337.09 | 63.52 | 1273.57 | 25471.43 |
| 44 | 2029-01 | 1334.07 | 60.49 | 1273.57 | 24197.86 |
| 45 | 2029-02 | 1331.04 | 57.47 | 1273.57 | 22924.29 |
| 46 | 2029-03 | 1328.02 | 54.45 | 1273.57 | 21650.71 |
| 47 | 2029-04 | 1324.99 | 51.42 | 1273.57 | 20377.14 |
| 48 | 2029-05 | 1321.97 | 48.40 | 1273.57 | 19103.57 |
| 49 | 2029-06 | 1318.94 | 45.37 | 1273.57 | 17830.00 |
| 50 | 2029-07 | 1315.92 | 42.35 | 1273.57 | 16556.43 |
| 51 | 2029-08 | 1312.89 | 39.32 | 1273.57 | 15282.86 |
| 52 | 2029-09 | 1309.87 | 36.30 | 1273.57 | 14009.29 |
| 53 | 2029-10 | 1306.84 | 33.27 | 1273.57 | 12735.71 |
| 54 | 2029-11 | 1303.82 | 30.25 | 1273.57 | 11462.14 |
| 55 | 2029-12 | 1300.79 | 27.22 | 1273.57 | 10188.57 |
| 56 | 2030-01 | 1297.77 | 24.20 | 1273.57 | 8915.00 |
| 57 | 2030-02 | 1294.74 | 21.17 | 1273.57 | 7641.43 |
| 58 | 2030-03 | 1291.72 | 18.15 | 1273.57 | 6367.86 |
| 59 | 2030-04 | 1288.70 | 15.12 | 1273.57 | 5094.29 |
| 60 | 2030-05 | 1285.67 | 12.10 | 1273.57 | 3820.71 |
| 61 | 2030-06 | 1282.65 | 9.07 | 1273.57 | 2547.14 |
| 62 | 2030-07 | 1279.62 | 6.05 | 1273.57 | 1273.57 |
| 63 | 2030-08 | 1276.60 | 3.02 | 1273.57 | 0.00 |