贷款7.68万（公积金贷款）房贷，还款6年1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：7.68万
还款月数：6年1个月
每月还款：1147.52元
利息总额：6943.17元
本息合计：8.38万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-09 | 1147.52 | 182.46 | 965.06 | 75860.94 |
| 2 | 2025-10 | 1147.52 | 180.17 | 967.35 | 74893.59 |
| 3 | 2025-11 | 1147.52 | 177.87 | 969.65 | 73923.94 |
| 4 | 2025-12 | 1147.52 | 175.57 | 971.95 | 72951.98 |
| 5 | 2026-01 | 1147.52 | 173.26 | 974.26 | 71977.72 |
| 6 | 2026-02 | 1147.52 | 170.95 | 976.58 | 71001.14 |
| 7 | 2026-03 | 1147.52 | 168.63 | 978.90 | 70022.25 |
| 8 | 2026-04 | 1147.52 | 166.30 | 981.22 | 69041.03 |
| 9 | 2026-05 | 1147.52 | 163.97 | 983.55 | 68057.48 |
| 10 | 2026-06 | 1147.52 | 161.64 | 985.89 | 67071.59 |
| 11 | 2026-07 | 1147.52 | 159.30 | 988.23 | 66083.36 |
| 12 | 2026-08 | 1147.52 | 156.95 | 990.57 | 65092.79 |
| 13 | 2026-09 | 1147.52 | 154.60 | 992.93 | 64099.86 |
| 14 | 2026-10 | 1147.52 | 152.24 | 995.29 | 63104.58 |
| 15 | 2026-11 | 1147.52 | 149.87 | 997.65 | 62106.93 |
| 16 | 2026-12 | 1147.52 | 147.50 | 1000.02 | 61106.91 |
| 17 | 2027-01 | 1147.52 | 145.13 | 1002.39 | 60104.51 |
| 18 | 2027-02 | 1147.52 | 142.75 | 1004.77 | 59099.74 |
| 19 | 2027-03 | 1147.52 | 140.36 | 1007.16 | 58092.58 |
| 20 | 2027-04 | 1147.52 | 137.97 | 1009.55 | 57083.03 |
| 21 | 2027-05 | 1147.52 | 135.57 | 1011.95 | 56071.08 |
| 22 | 2027-06 | 1147.52 | 133.17 | 1014.35 | 55056.72 |
| 23 | 2027-07 | 1147.52 | 130.76 | 1016.76 | 54039.96 |
| 24 | 2027-08 | 1147.52 | 128.34 | 1019.18 | 53020.78 |
| 25 | 2027-09 | 1147.52 | 125.92 | 1021.60 | 51999.18 |
| 26 | 2027-10 | 1147.52 | 123.50 | 1024.02 | 50975.16 |
| 27 | 2027-11 | 1147.52 | 121.07 | 1026.46 | 49948.70 |
| 28 | 2027-12 | 1147.52 | 118.63 | 1028.89 | 48919.81 |
| 29 | 2028-01 | 1147.52 | 116.18 | 1031.34 | 47888.47 |
| 30 | 2028-02 | 1147.52 | 113.74 | 1033.79 | 46854.68 |
| 31 | 2028-03 | 1147.52 | 111.28 | 1036.24 | 45818.44 |
| 32 | 2028-04 | 1147.52 | 108.82 | 1038.70 | 44779.73 |
| 33 | 2028-05 | 1147.52 | 106.35 | 1041.17 | 43738.56 |
| 34 | 2028-06 | 1147.52 | 103.88 | 1043.64 | 42694.92 |
| 35 | 2028-07 | 1147.52 | 101.40 | 1046.12 | 41648.80 |
| 36 | 2028-08 | 1147.52 | 98.92 | 1048.61 | 40600.19 |
| 37 | 2028-09 | 1147.52 | 96.43 | 1051.10 | 39549.09 |
| 38 | 2028-10 | 1147.52 | 93.93 | 1053.59 | 38495.50 |
| 39 | 2028-11 | 1147.52 | 91.43 | 1056.10 | 37439.40 |
| 40 | 2028-12 | 1147.52 | 88.92 | 1058.60 | 36380.80 |
| 41 | 2029-01 | 1147.52 | 86.40 | 1061.12 | 35319.68 |
| 42 | 2029-02 | 1147.52 | 83.88 | 1063.64 | 34256.04 |
| 43 | 2029-03 | 1147.52 | 81.36 | 1066.16 | 33189.88 |
| 44 | 2029-04 | 1147.52 | 78.83 | 1068.70 | 32121.18 |
| 45 | 2029-05 | 1147.52 | 76.29 | 1071.24 | 31049.94 |
| 46 | 2029-06 | 1147.52 | 73.74 | 1073.78 | 29976.16 |
| 47 | 2029-07 | 1147.52 | 71.19 | 1076.33 | 28899.83 |
| 48 | 2029-08 | 1147.52 | 68.64 | 1078.89 | 27820.95 |
| 49 | 2029-09 | 1147.52 | 66.07 | 1081.45 | 26739.50 |
| 50 | 2029-10 | 1147.52 | 63.51 | 1084.02 | 25655.48 |
| 51 | 2029-11 | 1147.52 | 60.93 | 1086.59 | 24568.89 |
| 52 | 2029-12 | 1147.52 | 58.35 | 1089.17 | 23479.72 |
| 53 | 2030-01 | 1147.52 | 55.76 | 1091.76 | 22387.96 |
| 54 | 2030-02 | 1147.52 | 53.17 | 1094.35 | 21293.61 |
| 55 | 2030-03 | 1147.52 | 50.57 | 1096.95 | 20196.66 |
| 56 | 2030-04 | 1147.52 | 47.97 | 1099.56 | 19097.11 |
| 57 | 2030-05 | 1147.52 | 45.36 | 1102.17 | 17994.94 |
| 58 | 2030-06 | 1147.52 | 42.74 | 1104.78 | 16890.15 |
| 59 | 2030-07 | 1147.52 | 40.11 | 1107.41 | 15782.74 |
| 60 | 2030-08 | 1147.52 | 37.48 | 1110.04 | 14672.71 |
| 61 | 2030-09 | 1147.52 | 34.85 | 1112.68 | 13560.03 |
| 62 | 2030-10 | 1147.52 | 32.21 | 1115.32 | 12444.71 |
| 63 | 2030-11 | 1147.52 | 29.56 | 1117.97 | 11326.75 |
| 64 | 2030-12 | 1147.52 | 26.90 | 1120.62 | 10206.12 |
| 65 | 2031-01 | 1147.52 | 24.24 | 1123.28 | 9082.84 |
| 66 | 2031-02 | 1147.52 | 21.57 | 1125.95 | 7956.89 |
| 67 | 2031-03 | 1147.52 | 18.90 | 1128.63 | 6828.26 |
| 68 | 2031-04 | 1147.52 | 16.22 | 1131.31 | 5696.96 |
| 69 | 2031-05 | 1147.52 | 13.53 | 1133.99 | 4562.97 |
| 70 | 2031-06 | 1147.52 | 10.84 | 1136.69 | 3426.28 |
| 71 | 2031-07 | 1147.52 | 8.14 | 1139.39 | 2286.90 |
| 72 | 2031-08 | 1147.52 | 5.43 | 1142.09 | 1144.80 |
| 73 | 2031-09 | 1147.52 | 2.72 | 1144.80 | 0.00 |
等额本金还款方式：
贷款总额：7.68万
还款月数：6年1个月
首月还款：1234.87元
每月递减：2.5元
利息总额：6751.08元
本息合计：8.36万
节省利息：192.08元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-09 | 1234.87 | 182.46 | 1052.41 | 75773.59 |
| 2 | 2025-10 | 1232.37 | 179.96 | 1052.41 | 74721.18 |
| 3 | 2025-11 | 1229.87 | 177.46 | 1052.41 | 73668.77 |
| 4 | 2025-12 | 1227.37 | 174.96 | 1052.41 | 72616.36 |
| 5 | 2026-01 | 1224.87 | 172.46 | 1052.41 | 71563.95 |
| 6 | 2026-02 | 1222.38 | 169.96 | 1052.41 | 70511.53 |
| 7 | 2026-03 | 1219.88 | 167.46 | 1052.41 | 69459.12 |
| 8 | 2026-04 | 1217.38 | 164.97 | 1052.41 | 68406.71 |
| 9 | 2026-05 | 1214.88 | 162.47 | 1052.41 | 67354.30 |
| 10 | 2026-06 | 1212.38 | 159.97 | 1052.41 | 66301.89 |
| 11 | 2026-07 | 1209.88 | 157.47 | 1052.41 | 65249.48 |
| 12 | 2026-08 | 1207.38 | 154.97 | 1052.41 | 64197.07 |
| 13 | 2026-09 | 1204.88 | 152.47 | 1052.41 | 63144.66 |
| 14 | 2026-10 | 1202.38 | 149.97 | 1052.41 | 62092.25 |
| 15 | 2026-11 | 1199.88 | 147.47 | 1052.41 | 61039.84 |
| 16 | 2026-12 | 1197.38 | 144.97 | 1052.41 | 59987.42 |
| 17 | 2027-01 | 1194.88 | 142.47 | 1052.41 | 58935.01 |
| 18 | 2027-02 | 1192.38 | 139.97 | 1052.41 | 57882.60 |
| 19 | 2027-03 | 1189.88 | 137.47 | 1052.41 | 56830.19 |
| 20 | 2027-04 | 1187.38 | 134.97 | 1052.41 | 55777.78 |
| 21 | 2027-05 | 1184.88 | 132.47 | 1052.41 | 54725.37 |
| 22 | 2027-06 | 1182.38 | 129.97 | 1052.41 | 53672.96 |
| 23 | 2027-07 | 1179.88 | 127.47 | 1052.41 | 52620.55 |
| 24 | 2027-08 | 1177.38 | 124.97 | 1052.41 | 51568.14 |
| 25 | 2027-09 | 1174.89 | 122.47 | 1052.41 | 50515.73 |
| 26 | 2027-10 | 1172.39 | 119.97 | 1052.41 | 49463.32 |
| 27 | 2027-11 | 1169.89 | 117.48 | 1052.41 | 48410.90 |
| 28 | 2027-12 | 1167.39 | 114.98 | 1052.41 | 47358.49 |
| 29 | 2028-01 | 1164.89 | 112.48 | 1052.41 | 46306.08 |
| 30 | 2028-02 | 1162.39 | 109.98 | 1052.41 | 45253.67 |
| 31 | 2028-03 | 1159.89 | 107.48 | 1052.41 | 44201.26 |
| 32 | 2028-04 | 1157.39 | 104.98 | 1052.41 | 43148.85 |
| 33 | 2028-05 | 1154.89 | 102.48 | 1052.41 | 42096.44 |
| 34 | 2028-06 | 1152.39 | 99.98 | 1052.41 | 41044.03 |
| 35 | 2028-07 | 1149.89 | 97.48 | 1052.41 | 39991.62 |
| 36 | 2028-08 | 1147.39 | 94.98 | 1052.41 | 38939.21 |
| 37 | 2028-09 | 1144.89 | 92.48 | 1052.41 | 37886.79 |
| 38 | 2028-10 | 1142.39 | 89.98 | 1052.41 | 36834.38 |
| 39 | 2028-11 | 1139.89 | 87.48 | 1052.41 | 35781.97 |
| 40 | 2028-12 | 1137.39 | 84.98 | 1052.41 | 34729.56 |
| 41 | 2029-01 | 1134.89 | 82.48 | 1052.41 | 33677.15 |
| 42 | 2029-02 | 1132.39 | 79.98 | 1052.41 | 32624.74 |
| 43 | 2029-03 | 1129.89 | 77.48 | 1052.41 | 31572.33 |
| 44 | 2029-04 | 1127.40 | 74.98 | 1052.41 | 30519.92 |
| 45 | 2029-05 | 1124.90 | 72.48 | 1052.41 | 29467.51 |
| 46 | 2029-06 | 1122.40 | 69.99 | 1052.41 | 28415.10 |
| 47 | 2029-07 | 1119.90 | 67.49 | 1052.41 | 27362.68 |
| 48 | 2029-08 | 1117.40 | 64.99 | 1052.41 | 26310.27 |
| 49 | 2029-09 | 1114.90 | 62.49 | 1052.41 | 25257.86 |
| 50 | 2029-10 | 1112.40 | 59.99 | 1052.41 | 24205.45 |
| 51 | 2029-11 | 1109.90 | 57.49 | 1052.41 | 23153.04 |
| 52 | 2029-12 | 1107.40 | 54.99 | 1052.41 | 22100.63 |
| 53 | 2030-01 | 1104.90 | 52.49 | 1052.41 | 21048.22 |
| 54 | 2030-02 | 1102.40 | 49.99 | 1052.41 | 19995.81 |
| 55 | 2030-03 | 1099.90 | 47.49 | 1052.41 | 18943.40 |
| 56 | 2030-04 | 1097.40 | 44.99 | 1052.41 | 17890.99 |
| 57 | 2030-05 | 1094.90 | 42.49 | 1052.41 | 16838.58 |
| 58 | 2030-06 | 1092.40 | 39.99 | 1052.41 | 15786.16 |
| 59 | 2030-07 | 1089.90 | 37.49 | 1052.41 | 14733.75 |
| 60 | 2030-08 | 1087.40 | 34.99 | 1052.41 | 13681.34 |
| 61 | 2030-09 | 1084.90 | 32.49 | 1052.41 | 12628.93 |
| 62 | 2030-10 | 1082.40 | 29.99 | 1052.41 | 11576.52 |
| 63 | 2030-11 | 1079.91 | 27.49 | 1052.41 | 10524.11 |
| 64 | 2030-12 | 1077.41 | 24.99 | 1052.41 | 9471.70 |
| 65 | 2031-01 | 1074.91 | 22.50 | 1052.41 | 8419.29 |
| 66 | 2031-02 | 1072.41 | 20.00 | 1052.41 | 7366.88 |
| 67 | 2031-03 | 1069.91 | 17.50 | 1052.41 | 6314.47 |
| 68 | 2031-04 | 1067.41 | 15.00 | 1052.41 | 5262.05 |
| 69 | 2031-05 | 1064.91 | 12.50 | 1052.41 | 4209.64 |
| 70 | 2031-06 | 1062.41 | 10.00 | 1052.41 | 3157.23 |
| 71 | 2031-07 | 1059.91 | 7.50 | 1052.41 | 2104.82 |
| 72 | 2031-08 | 1057.41 | 5.00 | 1052.41 | 1052.41 |
| 73 | 2031-09 | 1054.91 | 2.50 | 1052.41 | 0.00 |