贷款8.02万（公积金贷款）房贷，还款5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：5年4个月
每月还款：1352.85元
利息总额：6347.34元
本息合计：8.66万
| 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 | 1352.85 | 190.56 | 1162.29 | 79072.71 |
| 2 | 2025-07 | 1352.85 | 187.80 | 1165.05 | 77907.66 |
| 3 | 2025-08 | 1352.85 | 185.03 | 1167.82 | 76739.84 |
| 4 | 2025-09 | 1352.85 | 182.26 | 1170.59 | 75569.25 |
| 5 | 2025-10 | 1352.85 | 179.48 | 1173.37 | 74395.88 |
| 6 | 2025-11 | 1352.85 | 176.69 | 1176.16 | 73219.72 |
| 7 | 2025-12 | 1352.85 | 173.90 | 1178.95 | 72040.76 |
| 8 | 2026-01 | 1352.85 | 171.10 | 1181.75 | 70859.01 |
| 9 | 2026-02 | 1352.85 | 168.29 | 1184.56 | 69674.45 |
| 10 | 2026-03 | 1352.85 | 165.48 | 1187.37 | 68487.08 |
| 11 | 2026-04 | 1352.85 | 162.66 | 1190.19 | 67296.89 |
| 12 | 2026-05 | 1352.85 | 159.83 | 1193.02 | 66103.87 |
| 13 | 2026-06 | 1352.85 | 157.00 | 1195.85 | 64908.02 |
| 14 | 2026-07 | 1352.85 | 154.16 | 1198.69 | 63709.33 |
| 15 | 2026-08 | 1352.85 | 151.31 | 1201.54 | 62507.79 |
| 16 | 2026-09 | 1352.85 | 148.46 | 1204.39 | 61303.39 |
| 17 | 2026-10 | 1352.85 | 145.60 | 1207.25 | 60096.14 |
| 18 | 2026-11 | 1352.85 | 142.73 | 1210.12 | 58886.02 |
| 19 | 2026-12 | 1352.85 | 139.85 | 1212.99 | 57673.02 |
| 20 | 2027-01 | 1352.85 | 136.97 | 1215.88 | 56457.15 |
| 21 | 2027-02 | 1352.85 | 134.09 | 1218.76 | 55238.38 |
| 22 | 2027-03 | 1352.85 | 131.19 | 1221.66 | 54016.73 |
| 23 | 2027-04 | 1352.85 | 128.29 | 1224.56 | 52792.17 |
| 24 | 2027-05 | 1352.85 | 125.38 | 1227.47 | 51564.70 |
| 25 | 2027-06 | 1352.85 | 122.47 | 1230.38 | 50334.32 |
| 26 | 2027-07 | 1352.85 | 119.54 | 1233.31 | 49101.01 |
| 27 | 2027-08 | 1352.85 | 116.61 | 1236.23 | 47864.78 |
| 28 | 2027-09 | 1352.85 | 113.68 | 1239.17 | 46625.61 |
| 29 | 2027-10 | 1352.85 | 110.74 | 1242.11 | 45383.49 |
| 30 | 2027-11 | 1352.85 | 107.79 | 1245.06 | 44138.43 |
| 31 | 2027-12 | 1352.85 | 104.83 | 1248.02 | 42890.41 |
| 32 | 2028-01 | 1352.85 | 101.86 | 1250.98 | 41639.43 |
| 33 | 2028-02 | 1352.85 | 98.89 | 1253.96 | 40385.47 |
| 34 | 2028-03 | 1352.85 | 95.92 | 1256.93 | 39128.54 |
| 35 | 2028-04 | 1352.85 | 92.93 | 1259.92 | 37868.62 |
| 36 | 2028-05 | 1352.85 | 89.94 | 1262.91 | 36605.71 |
| 37 | 2028-06 | 1352.85 | 86.94 | 1265.91 | 35339.80 |
| 38 | 2028-07 | 1352.85 | 83.93 | 1268.92 | 34070.88 |
| 39 | 2028-08 | 1352.85 | 80.92 | 1271.93 | 32798.95 |
| 40 | 2028-09 | 1352.85 | 77.90 | 1274.95 | 31524.00 |
| 41 | 2028-10 | 1352.85 | 74.87 | 1277.98 | 30246.02 |
| 42 | 2028-11 | 1352.85 | 71.83 | 1281.01 | 28965.00 |
| 43 | 2028-12 | 1352.85 | 68.79 | 1284.06 | 27680.95 |
| 44 | 2029-01 | 1352.85 | 65.74 | 1287.11 | 26393.84 |
| 45 | 2029-02 | 1352.85 | 62.69 | 1290.16 | 25103.68 |
| 46 | 2029-03 | 1352.85 | 59.62 | 1293.23 | 23810.45 |
| 47 | 2029-04 | 1352.85 | 56.55 | 1296.30 | 22514.15 |
| 48 | 2029-05 | 1352.85 | 53.47 | 1299.38 | 21214.77 |
| 49 | 2029-06 | 1352.85 | 50.39 | 1302.46 | 19912.31 |
| 50 | 2029-07 | 1352.85 | 47.29 | 1305.56 | 18606.75 |
| 51 | 2029-08 | 1352.85 | 44.19 | 1308.66 | 17298.09 |
| 52 | 2029-09 | 1352.85 | 41.08 | 1311.77 | 15986.33 |
| 53 | 2029-10 | 1352.85 | 37.97 | 1314.88 | 14671.44 |
| 54 | 2029-11 | 1352.85 | 34.84 | 1318.00 | 13353.44 |
| 55 | 2029-12 | 1352.85 | 31.71 | 1321.13 | 12032.31 |
| 56 | 2030-01 | 1352.85 | 28.58 | 1324.27 | 10708.03 |
| 57 | 2030-02 | 1352.85 | 25.43 | 1327.42 | 9380.62 |
| 58 | 2030-03 | 1352.85 | 22.28 | 1330.57 | 8050.05 |
| 59 | 2030-04 | 1352.85 | 19.12 | 1333.73 | 6716.32 |
| 60 | 2030-05 | 1352.85 | 15.95 | 1336.90 | 5379.42 |
| 61 | 2030-06 | 1352.85 | 12.78 | 1340.07 | 4039.35 |
| 62 | 2030-07 | 1352.85 | 9.59 | 1343.26 | 2696.09 |
| 63 | 2030-08 | 1352.85 | 6.40 | 1346.45 | 1349.64 |
| 64 | 2030-09 | 1352.85 | 3.21 | 1349.64 | 0.00 |
等额本金还款方式：
贷款总额：8.02万
还款月数：5年4个月
首月还款：1444.23元
每月递减：2.98元
利息总额：6193.14元
本息合计：8.64万
节省利息：154.2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 | 1444.23 | 190.56 | 1253.67 | 78981.33 |
| 2 | 2025-07 | 1441.25 | 187.58 | 1253.67 | 77727.66 |
| 3 | 2025-08 | 1438.28 | 184.60 | 1253.67 | 76473.98 |
| 4 | 2025-09 | 1435.30 | 181.63 | 1253.67 | 75220.31 |
| 5 | 2025-10 | 1432.32 | 178.65 | 1253.67 | 73966.64 |
| 6 | 2025-11 | 1429.34 | 175.67 | 1253.67 | 72712.97 |
| 7 | 2025-12 | 1426.37 | 172.69 | 1253.67 | 71459.30 |
| 8 | 2026-01 | 1423.39 | 169.72 | 1253.67 | 70205.63 |
| 9 | 2026-02 | 1420.41 | 166.74 | 1253.67 | 68951.95 |
| 10 | 2026-03 | 1417.43 | 163.76 | 1253.67 | 67698.28 |
| 11 | 2026-04 | 1414.46 | 160.78 | 1253.67 | 66444.61 |
| 12 | 2026-05 | 1411.48 | 157.81 | 1253.67 | 65190.94 |
| 13 | 2026-06 | 1408.50 | 154.83 | 1253.67 | 63937.27 |
| 14 | 2026-07 | 1405.52 | 151.85 | 1253.67 | 62683.59 |
| 15 | 2026-08 | 1402.55 | 148.87 | 1253.67 | 61429.92 |
| 16 | 2026-09 | 1399.57 | 145.90 | 1253.67 | 60176.25 |
| 17 | 2026-10 | 1396.59 | 142.92 | 1253.67 | 58922.58 |
| 18 | 2026-11 | 1393.61 | 139.94 | 1253.67 | 57668.91 |
| 19 | 2026-12 | 1390.64 | 136.96 | 1253.67 | 56415.23 |
| 20 | 2027-01 | 1387.66 | 133.99 | 1253.67 | 55161.56 |
| 21 | 2027-02 | 1384.68 | 131.01 | 1253.67 | 53907.89 |
| 22 | 2027-03 | 1381.70 | 128.03 | 1253.67 | 52654.22 |
| 23 | 2027-04 | 1378.73 | 125.05 | 1253.67 | 51400.55 |
| 24 | 2027-05 | 1375.75 | 122.08 | 1253.67 | 50146.88 |
| 25 | 2027-06 | 1372.77 | 119.10 | 1253.67 | 48893.20 |
| 26 | 2027-07 | 1369.79 | 116.12 | 1253.67 | 47639.53 |
| 27 | 2027-08 | 1366.82 | 113.14 | 1253.67 | 46385.86 |
| 28 | 2027-09 | 1363.84 | 110.17 | 1253.67 | 45132.19 |
| 29 | 2027-10 | 1360.86 | 107.19 | 1253.67 | 43878.52 |
| 30 | 2027-11 | 1357.88 | 104.21 | 1253.67 | 42624.84 |
| 31 | 2027-12 | 1354.91 | 101.23 | 1253.67 | 41371.17 |
| 32 | 2028-01 | 1351.93 | 98.26 | 1253.67 | 40117.50 |
| 33 | 2028-02 | 1348.95 | 95.28 | 1253.67 | 38863.83 |
| 34 | 2028-03 | 1345.97 | 92.30 | 1253.67 | 37610.16 |
| 35 | 2028-04 | 1343.00 | 89.32 | 1253.67 | 36356.48 |
| 36 | 2028-05 | 1340.02 | 86.35 | 1253.67 | 35102.81 |
| 37 | 2028-06 | 1337.04 | 83.37 | 1253.67 | 33849.14 |
| 38 | 2028-07 | 1334.06 | 80.39 | 1253.67 | 32595.47 |
| 39 | 2028-08 | 1331.09 | 77.41 | 1253.67 | 31341.80 |
| 40 | 2028-09 | 1328.11 | 74.44 | 1253.67 | 30088.13 |
| 41 | 2028-10 | 1325.13 | 71.46 | 1253.67 | 28834.45 |
| 42 | 2028-11 | 1322.15 | 68.48 | 1253.67 | 27580.78 |
| 43 | 2028-12 | 1319.18 | 65.50 | 1253.67 | 26327.11 |
| 44 | 2029-01 | 1316.20 | 62.53 | 1253.67 | 25073.44 |
| 45 | 2029-02 | 1313.22 | 59.55 | 1253.67 | 23819.77 |
| 46 | 2029-03 | 1310.24 | 56.57 | 1253.67 | 22566.09 |
| 47 | 2029-04 | 1307.27 | 53.59 | 1253.67 | 21312.42 |
| 48 | 2029-05 | 1304.29 | 50.62 | 1253.67 | 20058.75 |
| 49 | 2029-06 | 1301.31 | 47.64 | 1253.67 | 18805.08 |
| 50 | 2029-07 | 1298.33 | 44.66 | 1253.67 | 17551.41 |
| 51 | 2029-08 | 1295.36 | 41.68 | 1253.67 | 16297.73 |
| 52 | 2029-09 | 1292.38 | 38.71 | 1253.67 | 15044.06 |
| 53 | 2029-10 | 1289.40 | 35.73 | 1253.67 | 13790.39 |
| 54 | 2029-11 | 1286.42 | 32.75 | 1253.67 | 12536.72 |
| 55 | 2029-12 | 1283.45 | 29.77 | 1253.67 | 11283.05 |
| 56 | 2030-01 | 1280.47 | 26.80 | 1253.67 | 10029.38 |
| 57 | 2030-02 | 1277.49 | 23.82 | 1253.67 | 8775.70 |
| 58 | 2030-03 | 1274.51 | 20.84 | 1253.67 | 7522.03 |
| 59 | 2030-04 | 1271.54 | 17.86 | 1253.67 | 6268.36 |
| 60 | 2030-05 | 1268.56 | 14.89 | 1253.67 | 5014.69 |
| 61 | 2030-06 | 1265.58 | 11.91 | 1253.67 | 3761.02 |
| 62 | 2030-07 | 1262.60 | 8.93 | 1253.67 | 2507.34 |
| 63 | 2030-08 | 1259.63 | 5.95 | 1253.67 | 1253.67 |
| 64 | 2030-09 | 1256.65 | 2.98 | 1253.67 | 0.00 |