贷款7.68万（公积金贷款）房贷，还款5年2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：5年2个月
每月还款：1334.07元
利息总额：5886.11元
本息合计：8.27万
| 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 | 1334.07 | 182.46 | 1151.60 | 75674.40 |
| 2 | 2025-10 | 1334.07 | 179.73 | 1154.34 | 74520.06 |
| 3 | 2025-11 | 1334.07 | 176.99 | 1157.08 | 73362.97 |
| 4 | 2025-12 | 1334.07 | 174.24 | 1159.83 | 72203.15 |
| 5 | 2026-01 | 1334.07 | 171.48 | 1162.58 | 71040.56 |
| 6 | 2026-02 | 1334.07 | 168.72 | 1165.34 | 69875.22 |
| 7 | 2026-03 | 1334.07 | 165.95 | 1168.11 | 68707.10 |
| 8 | 2026-04 | 1334.07 | 163.18 | 1170.89 | 67536.22 |
| 9 | 2026-05 | 1334.07 | 160.40 | 1173.67 | 66362.55 |
| 10 | 2026-06 | 1334.07 | 157.61 | 1176.46 | 65186.09 |
| 11 | 2026-07 | 1334.07 | 154.82 | 1179.25 | 64006.84 |
| 12 | 2026-08 | 1334.07 | 152.02 | 1182.05 | 62824.79 |
| 13 | 2026-09 | 1334.07 | 149.21 | 1184.86 | 61639.94 |
| 14 | 2026-10 | 1334.07 | 146.39 | 1187.67 | 60452.27 |
| 15 | 2026-11 | 1334.07 | 143.57 | 1190.49 | 59261.77 |
| 16 | 2026-12 | 1334.07 | 140.75 | 1193.32 | 58068.45 |
| 17 | 2027-01 | 1334.07 | 137.91 | 1196.15 | 56872.30 |
| 18 | 2027-02 | 1334.07 | 135.07 | 1198.99 | 55673.31 |
| 19 | 2027-03 | 1334.07 | 132.22 | 1201.84 | 54471.46 |
| 20 | 2027-04 | 1334.07 | 129.37 | 1204.70 | 53266.77 |
| 21 | 2027-05 | 1334.07 | 126.51 | 1207.56 | 52059.21 |
| 22 | 2027-06 | 1334.07 | 123.64 | 1210.43 | 50848.78 |
| 23 | 2027-07 | 1334.07 | 120.77 | 1213.30 | 49635.48 |
| 24 | 2027-08 | 1334.07 | 117.88 | 1216.18 | 48419.30 |
| 25 | 2027-09 | 1334.07 | 115.00 | 1219.07 | 47200.23 |
| 26 | 2027-10 | 1334.07 | 112.10 | 1221.97 | 45978.27 |
| 27 | 2027-11 | 1334.07 | 109.20 | 1224.87 | 44753.40 |
| 28 | 2027-12 | 1334.07 | 106.29 | 1227.78 | 43525.62 |
| 29 | 2028-01 | 1334.07 | 103.37 | 1230.69 | 42294.93 |
| 30 | 2028-02 | 1334.07 | 100.45 | 1233.62 | 41061.31 |
| 31 | 2028-03 | 1334.07 | 97.52 | 1236.55 | 39824.77 |
| 32 | 2028-04 | 1334.07 | 94.58 | 1239.48 | 38585.28 |
| 33 | 2028-05 | 1334.07 | 91.64 | 1242.43 | 37342.86 |
| 34 | 2028-06 | 1334.07 | 88.69 | 1245.38 | 36097.48 |
| 35 | 2028-07 | 1334.07 | 85.73 | 1248.33 | 34849.15 |
| 36 | 2028-08 | 1334.07 | 82.77 | 1251.30 | 33597.85 |
| 37 | 2028-09 | 1334.07 | 79.79 | 1254.27 | 32343.57 |
| 38 | 2028-10 | 1334.07 | 76.82 | 1257.25 | 31086.32 |
| 39 | 2028-11 | 1334.07 | 73.83 | 1260.24 | 29826.09 |
| 40 | 2028-12 | 1334.07 | 70.84 | 1263.23 | 28562.86 |
| 41 | 2029-01 | 1334.07 | 67.84 | 1266.23 | 27296.63 |
| 42 | 2029-02 | 1334.07 | 64.83 | 1269.24 | 26027.39 |
| 43 | 2029-03 | 1334.07 | 61.82 | 1272.25 | 24755.14 |
| 44 | 2029-04 | 1334.07 | 58.79 | 1275.27 | 23479.87 |
| 45 | 2029-05 | 1334.07 | 55.76 | 1278.30 | 22201.57 |
| 46 | 2029-06 | 1334.07 | 52.73 | 1281.34 | 20920.23 |
| 47 | 2029-07 | 1334.07 | 49.69 | 1284.38 | 19635.85 |
| 48 | 2029-08 | 1334.07 | 46.64 | 1287.43 | 18348.42 |
| 49 | 2029-09 | 1334.07 | 43.58 | 1290.49 | 17057.93 |
| 50 | 2029-10 | 1334.07 | 40.51 | 1293.55 | 15764.37 |
| 51 | 2029-11 | 1334.07 | 37.44 | 1296.63 | 14467.75 |
| 52 | 2029-12 | 1334.07 | 34.36 | 1299.71 | 13168.04 |
| 53 | 2030-01 | 1334.07 | 31.27 | 1302.79 | 11865.25 |
| 54 | 2030-02 | 1334.07 | 28.18 | 1305.89 | 10559.36 |
| 55 | 2030-03 | 1334.07 | 25.08 | 1308.99 | 9250.38 |
| 56 | 2030-04 | 1334.07 | 21.97 | 1312.10 | 7938.28 |
| 57 | 2030-05 | 1334.07 | 18.85 | 1315.21 | 6623.07 |
| 58 | 2030-06 | 1334.07 | 15.73 | 1318.34 | 5304.73 |
| 59 | 2030-07 | 1334.07 | 12.60 | 1321.47 | 3983.26 |
| 60 | 2030-08 | 1334.07 | 9.46 | 1324.61 | 2658.66 |
| 61 | 2030-09 | 1334.07 | 6.31 | 1327.75 | 1330.91 |
| 62 | 2030-10 | 1334.07 | 3.16 | 1330.91 | 0.00 |
等额本金还款方式：
贷款总额：7.68万
还款月数：5年2个月
首月还款：1421.59元
每月递减：2.94元
利息总额：5747.55元
本息合计：8.26万
节省利息：138.56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 | 1421.59 | 182.46 | 1239.13 | 75586.87 |
| 2 | 2025-10 | 1418.65 | 179.52 | 1239.13 | 74347.74 |
| 3 | 2025-11 | 1415.70 | 176.58 | 1239.13 | 73108.61 |
| 4 | 2025-12 | 1412.76 | 173.63 | 1239.13 | 71869.48 |
| 5 | 2026-01 | 1409.82 | 170.69 | 1239.13 | 70630.35 |
| 6 | 2026-02 | 1406.88 | 167.75 | 1239.13 | 69391.23 |
| 7 | 2026-03 | 1403.93 | 164.80 | 1239.13 | 68152.10 |
| 8 | 2026-04 | 1400.99 | 161.86 | 1239.13 | 66912.97 |
| 9 | 2026-05 | 1398.05 | 158.92 | 1239.13 | 65673.84 |
| 10 | 2026-06 | 1395.10 | 155.98 | 1239.13 | 64434.71 |
| 11 | 2026-07 | 1392.16 | 153.03 | 1239.13 | 63195.58 |
| 12 | 2026-08 | 1389.22 | 150.09 | 1239.13 | 61956.45 |
| 13 | 2026-09 | 1386.28 | 147.15 | 1239.13 | 60717.32 |
| 14 | 2026-10 | 1383.33 | 144.20 | 1239.13 | 59478.19 |
| 15 | 2026-11 | 1380.39 | 141.26 | 1239.13 | 58239.06 |
| 16 | 2026-12 | 1377.45 | 138.32 | 1239.13 | 56999.94 |
| 17 | 2027-01 | 1374.50 | 135.37 | 1239.13 | 55760.81 |
| 18 | 2027-02 | 1371.56 | 132.43 | 1239.13 | 54521.68 |
| 19 | 2027-03 | 1368.62 | 129.49 | 1239.13 | 53282.55 |
| 20 | 2027-04 | 1365.68 | 126.55 | 1239.13 | 52043.42 |
| 21 | 2027-05 | 1362.73 | 123.60 | 1239.13 | 50804.29 |
| 22 | 2027-06 | 1359.79 | 120.66 | 1239.13 | 49565.16 |
| 23 | 2027-07 | 1356.85 | 117.72 | 1239.13 | 48326.03 |
| 24 | 2027-08 | 1353.90 | 114.77 | 1239.13 | 47086.90 |
| 25 | 2027-09 | 1350.96 | 111.83 | 1239.13 | 45847.77 |
| 26 | 2027-10 | 1348.02 | 108.89 | 1239.13 | 44608.65 |
| 27 | 2027-11 | 1345.07 | 105.95 | 1239.13 | 43369.52 |
| 28 | 2027-12 | 1342.13 | 103.00 | 1239.13 | 42130.39 |
| 29 | 2028-01 | 1339.19 | 100.06 | 1239.13 | 40891.26 |
| 30 | 2028-02 | 1336.25 | 97.12 | 1239.13 | 39652.13 |
| 31 | 2028-03 | 1333.30 | 94.17 | 1239.13 | 38413.00 |
| 32 | 2028-04 | 1330.36 | 91.23 | 1239.13 | 37173.87 |
| 33 | 2028-05 | 1327.42 | 88.29 | 1239.13 | 35934.74 |
| 34 | 2028-06 | 1324.47 | 85.35 | 1239.13 | 34695.61 |
| 35 | 2028-07 | 1321.53 | 82.40 | 1239.13 | 33456.48 |
| 36 | 2028-08 | 1318.59 | 79.46 | 1239.13 | 32217.35 |
| 37 | 2028-09 | 1315.65 | 76.52 | 1239.13 | 30978.23 |
| 38 | 2028-10 | 1312.70 | 73.57 | 1239.13 | 29739.10 |
| 39 | 2028-11 | 1309.76 | 70.63 | 1239.13 | 28499.97 |
| 40 | 2028-12 | 1306.82 | 67.69 | 1239.13 | 27260.84 |
| 41 | 2029-01 | 1303.87 | 64.74 | 1239.13 | 26021.71 |
| 42 | 2029-02 | 1300.93 | 61.80 | 1239.13 | 24782.58 |
| 43 | 2029-03 | 1297.99 | 58.86 | 1239.13 | 23543.45 |
| 44 | 2029-04 | 1295.04 | 55.92 | 1239.13 | 22304.32 |
| 45 | 2029-05 | 1292.10 | 52.97 | 1239.13 | 21065.19 |
| 46 | 2029-06 | 1289.16 | 50.03 | 1239.13 | 19826.06 |
| 47 | 2029-07 | 1286.22 | 47.09 | 1239.13 | 18586.94 |
| 48 | 2029-08 | 1283.27 | 44.14 | 1239.13 | 17347.81 |
| 49 | 2029-09 | 1280.33 | 41.20 | 1239.13 | 16108.68 |
| 50 | 2029-10 | 1277.39 | 38.26 | 1239.13 | 14869.55 |
| 51 | 2029-11 | 1274.44 | 35.32 | 1239.13 | 13630.42 |
| 52 | 2029-12 | 1271.50 | 32.37 | 1239.13 | 12391.29 |
| 53 | 2030-01 | 1268.56 | 29.43 | 1239.13 | 11152.16 |
| 54 | 2030-02 | 1265.62 | 26.49 | 1239.13 | 9913.03 |
| 55 | 2030-03 | 1262.67 | 23.54 | 1239.13 | 8673.90 |
| 56 | 2030-04 | 1259.73 | 20.60 | 1239.13 | 7434.77 |
| 57 | 2030-05 | 1256.79 | 17.66 | 1239.13 | 6195.65 |
| 58 | 2030-06 | 1253.84 | 14.71 | 1239.13 | 4956.52 |
| 59 | 2030-07 | 1250.90 | 11.77 | 1239.13 | 3717.39 |
| 60 | 2030-08 | 1247.96 | 8.83 | 1239.13 | 2478.26 |
| 61 | 2030-09 | 1245.01 | 5.89 | 1239.13 | 1239.13 |
| 62 | 2030-10 | 1242.07 | 2.94 | 1239.13 | 0.00 |