贷款4万（公积金贷款）房贷，还款8年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：4万
还款月数：8年
每月还款：466.46元
利息总额：4780.41元
本息合计：4.48万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-08 | 466.46 | 95.00 | 371.46 | 39628.54 |
| 2 | 2025-09 | 466.46 | 94.12 | 372.34 | 39256.19 |
| 3 | 2025-10 | 466.46 | 93.23 | 373.23 | 38882.96 |
| 4 | 2025-11 | 466.46 | 92.35 | 374.12 | 38508.85 |
| 5 | 2025-12 | 466.46 | 91.46 | 375.00 | 38133.84 |
| 6 | 2026-01 | 466.46 | 90.57 | 375.89 | 37757.95 |
| 7 | 2026-02 | 466.46 | 89.68 | 376.79 | 37381.16 |
| 8 | 2026-03 | 466.46 | 88.78 | 377.68 | 37003.48 |
| 9 | 2026-04 | 466.46 | 87.88 | 378.58 | 36624.90 |
| 10 | 2026-05 | 466.46 | 86.98 | 379.48 | 36245.42 |
| 11 | 2026-06 | 466.46 | 86.08 | 380.38 | 35865.04 |
| 12 | 2026-07 | 466.46 | 85.18 | 381.28 | 35483.76 |
| 13 | 2026-08 | 466.46 | 84.27 | 382.19 | 35101.57 |
| 14 | 2026-09 | 466.46 | 83.37 | 383.10 | 34718.47 |
| 15 | 2026-10 | 466.46 | 82.46 | 384.01 | 34334.47 |
| 16 | 2026-11 | 466.46 | 81.54 | 384.92 | 33949.55 |
| 17 | 2026-12 | 466.46 | 80.63 | 385.83 | 33563.72 |
| 18 | 2027-01 | 466.46 | 79.71 | 386.75 | 33176.97 |
| 19 | 2027-02 | 466.46 | 78.80 | 387.67 | 32789.30 |
| 20 | 2027-03 | 466.46 | 77.87 | 388.59 | 32400.71 |
| 21 | 2027-04 | 466.46 | 76.95 | 389.51 | 32011.20 |
| 22 | 2027-05 | 466.46 | 76.03 | 390.44 | 31620.77 |
| 23 | 2027-06 | 466.46 | 75.10 | 391.36 | 31229.40 |
| 24 | 2027-07 | 466.46 | 74.17 | 392.29 | 30837.11 |
| 25 | 2027-08 | 466.46 | 73.24 | 393.22 | 30443.89 |
| 26 | 2027-09 | 466.46 | 72.30 | 394.16 | 30049.73 |
| 27 | 2027-10 | 466.46 | 71.37 | 395.09 | 29654.63 |
| 28 | 2027-11 | 466.46 | 70.43 | 396.03 | 29258.60 |
| 29 | 2027-12 | 466.46 | 69.49 | 396.97 | 28861.63 |
| 30 | 2028-01 | 466.46 | 68.55 | 397.92 | 28463.71 |
| 31 | 2028-02 | 466.46 | 67.60 | 398.86 | 28064.85 |
| 32 | 2028-03 | 466.46 | 66.65 | 399.81 | 27665.04 |
| 33 | 2028-04 | 466.46 | 65.70 | 400.76 | 27264.28 |
| 34 | 2028-05 | 466.46 | 64.75 | 401.71 | 26862.57 |
| 35 | 2028-06 | 466.46 | 63.80 | 402.66 | 26459.91 |
| 36 | 2028-07 | 466.46 | 62.84 | 403.62 | 26056.29 |
| 37 | 2028-08 | 466.46 | 61.88 | 404.58 | 25651.71 |
| 38 | 2028-09 | 466.46 | 60.92 | 405.54 | 25246.17 |
| 39 | 2028-10 | 466.46 | 59.96 | 406.50 | 24839.67 |
| 40 | 2028-11 | 466.46 | 58.99 | 407.47 | 24432.20 |
| 41 | 2028-12 | 466.46 | 58.03 | 408.44 | 24023.76 |
| 42 | 2029-01 | 466.46 | 57.06 | 409.41 | 23614.36 |
| 43 | 2029-02 | 466.46 | 56.08 | 410.38 | 23203.98 |
| 44 | 2029-03 | 466.46 | 55.11 | 411.35 | 22792.63 |
| 45 | 2029-04 | 466.46 | 54.13 | 412.33 | 22380.30 |
| 46 | 2029-05 | 466.46 | 53.15 | 413.31 | 21966.99 |
| 47 | 2029-06 | 466.46 | 52.17 | 414.29 | 21552.69 |
| 48 | 2029-07 | 466.46 | 51.19 | 415.27 | 21137.42 |
| 49 | 2029-08 | 466.46 | 50.20 | 416.26 | 20721.16 |
| 50 | 2029-09 | 466.46 | 49.21 | 417.25 | 20303.91 |
| 51 | 2029-10 | 466.46 | 48.22 | 418.24 | 19885.67 |
| 52 | 2029-11 | 466.46 | 47.23 | 419.23 | 19466.43 |
| 53 | 2029-12 | 466.46 | 46.23 | 420.23 | 19046.20 |
| 54 | 2030-01 | 466.46 | 45.23 | 421.23 | 18624.98 |
| 55 | 2030-02 | 466.46 | 44.23 | 422.23 | 18202.75 |
| 56 | 2030-03 | 466.46 | 43.23 | 423.23 | 17779.52 |
| 57 | 2030-04 | 466.46 | 42.23 | 424.24 | 17355.28 |
| 58 | 2030-05 | 466.46 | 41.22 | 425.24 | 16930.04 |
| 59 | 2030-06 | 466.46 | 40.21 | 426.25 | 16503.78 |
| 60 | 2030-07 | 466.46 | 39.20 | 427.27 | 16076.52 |
| 61 | 2030-08 | 466.46 | 38.18 | 428.28 | 15648.24 |
| 62 | 2030-09 | 466.46 | 37.16 | 429.30 | 15218.94 |
| 63 | 2030-10 | 466.46 | 36.14 | 430.32 | 14788.62 |
| 64 | 2030-11 | 466.46 | 35.12 | 431.34 | 14357.28 |
| 65 | 2030-12 | 466.46 | 34.10 | 432.36 | 13924.92 |
| 66 | 2031-01 | 466.46 | 33.07 | 433.39 | 13491.53 |
| 67 | 2031-02 | 466.46 | 32.04 | 434.42 | 13057.11 |
| 68 | 2031-03 | 466.46 | 31.01 | 435.45 | 12621.65 |
| 69 | 2031-04 | 466.46 | 29.98 | 436.49 | 12185.17 |
| 70 | 2031-05 | 466.46 | 28.94 | 437.52 | 11747.65 |
| 71 | 2031-06 | 466.46 | 27.90 | 438.56 | 11309.08 |
| 72 | 2031-07 | 466.46 | 26.86 | 439.60 | 10869.48 |
| 73 | 2031-08 | 466.46 | 25.82 | 440.65 | 10428.83 |
| 74 | 2031-09 | 466.46 | 24.77 | 441.69 | 9987.14 |
| 75 | 2031-10 | 466.46 | 23.72 | 442.74 | 9544.39 |
| 76 | 2031-11 | 466.46 | 22.67 | 443.79 | 9100.60 |
| 77 | 2031-12 | 466.46 | 21.61 | 444.85 | 8655.75 |
| 78 | 2032-01 | 466.46 | 20.56 | 445.91 | 8209.85 |
| 79 | 2032-02 | 466.46 | 19.50 | 446.96 | 7762.88 |
| 80 | 2032-03 | 466.46 | 18.44 | 448.03 | 7314.86 |
| 81 | 2032-04 | 466.46 | 17.37 | 449.09 | 6865.77 |
| 82 | 2032-05 | 466.46 | 16.31 | 450.16 | 6415.61 |
| 83 | 2032-06 | 466.46 | 15.24 | 451.23 | 5964.39 |
| 84 | 2032-07 | 466.46 | 14.17 | 452.30 | 5512.09 |
| 85 | 2032-08 | 466.46 | 13.09 | 453.37 | 5058.72 |
| 86 | 2032-09 | 466.46 | 12.01 | 454.45 | 4604.27 |
| 87 | 2032-10 | 466.46 | 10.94 | 455.53 | 4148.74 |
| 88 | 2032-11 | 466.46 | 9.85 | 456.61 | 3692.13 |
| 89 | 2032-12 | 466.46 | 8.77 | 457.69 | 3234.44 |
| 90 | 2033-01 | 466.46 | 7.68 | 458.78 | 2775.66 |
| 91 | 2033-02 | 466.46 | 6.59 | 459.87 | 2315.79 |
| 92 | 2033-03 | 466.46 | 5.50 | 460.96 | 1854.82 |
| 93 | 2033-04 | 466.46 | 4.41 | 462.06 | 1392.77 |
| 94 | 2033-05 | 466.46 | 3.31 | 463.15 | 929.61 |
| 95 | 2033-06 | 466.46 | 2.21 | 464.25 | 465.36 |
| 96 | 2033-07 | 466.46 | 1.11 | 465.36 | 0.00 |
等额本金还款方式：
贷款总额：4万
还款月数：8年
首月还款：511.67元
每月递减：0.99元
利息总额：4607.5元
本息合计：4.46万
节省利息：172.91元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-08 | 511.67 | 95.00 | 416.67 | 39583.33 |
| 2 | 2025-09 | 510.68 | 94.01 | 416.67 | 39166.67 |
| 3 | 2025-10 | 509.69 | 93.02 | 416.67 | 38750.00 |
| 4 | 2025-11 | 508.70 | 92.03 | 416.67 | 38333.33 |
| 5 | 2025-12 | 507.71 | 91.04 | 416.67 | 37916.67 |
| 6 | 2026-01 | 506.72 | 90.05 | 416.67 | 37500.00 |
| 7 | 2026-02 | 505.73 | 89.06 | 416.67 | 37083.33 |
| 8 | 2026-03 | 504.74 | 88.07 | 416.67 | 36666.67 |
| 9 | 2026-04 | 503.75 | 87.08 | 416.67 | 36250.00 |
| 10 | 2026-05 | 502.76 | 86.09 | 416.67 | 35833.33 |
| 11 | 2026-06 | 501.77 | 85.10 | 416.67 | 35416.67 |
| 12 | 2026-07 | 500.78 | 84.11 | 416.67 | 35000.00 |
| 13 | 2026-08 | 499.79 | 83.13 | 416.67 | 34583.33 |
| 14 | 2026-09 | 498.80 | 82.14 | 416.67 | 34166.67 |
| 15 | 2026-10 | 497.81 | 81.15 | 416.67 | 33750.00 |
| 16 | 2026-11 | 496.82 | 80.16 | 416.67 | 33333.33 |
| 17 | 2026-12 | 495.83 | 79.17 | 416.67 | 32916.67 |
| 18 | 2027-01 | 494.84 | 78.18 | 416.67 | 32500.00 |
| 19 | 2027-02 | 493.85 | 77.19 | 416.67 | 32083.33 |
| 20 | 2027-03 | 492.86 | 76.20 | 416.67 | 31666.67 |
| 21 | 2027-04 | 491.88 | 75.21 | 416.67 | 31250.00 |
| 22 | 2027-05 | 490.89 | 74.22 | 416.67 | 30833.33 |
| 23 | 2027-06 | 489.90 | 73.23 | 416.67 | 30416.67 |
| 24 | 2027-07 | 488.91 | 72.24 | 416.67 | 30000.00 |
| 25 | 2027-08 | 487.92 | 71.25 | 416.67 | 29583.33 |
| 26 | 2027-09 | 486.93 | 70.26 | 416.67 | 29166.67 |
| 27 | 2027-10 | 485.94 | 69.27 | 416.67 | 28750.00 |
| 28 | 2027-11 | 484.95 | 68.28 | 416.67 | 28333.33 |
| 29 | 2027-12 | 483.96 | 67.29 | 416.67 | 27916.67 |
| 30 | 2028-01 | 482.97 | 66.30 | 416.67 | 27500.00 |
| 31 | 2028-02 | 481.98 | 65.31 | 416.67 | 27083.33 |
| 32 | 2028-03 | 480.99 | 64.32 | 416.67 | 26666.67 |
| 33 | 2028-04 | 480.00 | 63.33 | 416.67 | 26250.00 |
| 34 | 2028-05 | 479.01 | 62.34 | 416.67 | 25833.33 |
| 35 | 2028-06 | 478.02 | 61.35 | 416.67 | 25416.67 |
| 36 | 2028-07 | 477.03 | 60.36 | 416.67 | 25000.00 |
| 37 | 2028-08 | 476.04 | 59.38 | 416.67 | 24583.33 |
| 38 | 2028-09 | 475.05 | 58.39 | 416.67 | 24166.67 |
| 39 | 2028-10 | 474.06 | 57.40 | 416.67 | 23750.00 |
| 40 | 2028-11 | 473.07 | 56.41 | 416.67 | 23333.33 |
| 41 | 2028-12 | 472.08 | 55.42 | 416.67 | 22916.67 |
| 42 | 2029-01 | 471.09 | 54.43 | 416.67 | 22500.00 |
| 43 | 2029-02 | 470.10 | 53.44 | 416.67 | 22083.33 |
| 44 | 2029-03 | 469.11 | 52.45 | 416.67 | 21666.67 |
| 45 | 2029-04 | 468.13 | 51.46 | 416.67 | 21250.00 |
| 46 | 2029-05 | 467.14 | 50.47 | 416.67 | 20833.33 |
| 47 | 2029-06 | 466.15 | 49.48 | 416.67 | 20416.67 |
| 48 | 2029-07 | 465.16 | 48.49 | 416.67 | 20000.00 |
| 49 | 2029-08 | 464.17 | 47.50 | 416.67 | 19583.33 |
| 50 | 2029-09 | 463.18 | 46.51 | 416.67 | 19166.67 |
| 51 | 2029-10 | 462.19 | 45.52 | 416.67 | 18750.00 |
| 52 | 2029-11 | 461.20 | 44.53 | 416.67 | 18333.33 |
| 53 | 2029-12 | 460.21 | 43.54 | 416.67 | 17916.67 |
| 54 | 2030-01 | 459.22 | 42.55 | 416.67 | 17500.00 |
| 55 | 2030-02 | 458.23 | 41.56 | 416.67 | 17083.33 |
| 56 | 2030-03 | 457.24 | 40.57 | 416.67 | 16666.67 |
| 57 | 2030-04 | 456.25 | 39.58 | 416.67 | 16250.00 |
| 58 | 2030-05 | 455.26 | 38.59 | 416.67 | 15833.33 |
| 59 | 2030-06 | 454.27 | 37.60 | 416.67 | 15416.67 |
| 60 | 2030-07 | 453.28 | 36.61 | 416.67 | 15000.00 |
| 61 | 2030-08 | 452.29 | 35.63 | 416.67 | 14583.33 |
| 62 | 2030-09 | 451.30 | 34.64 | 416.67 | 14166.67 |
| 63 | 2030-10 | 450.31 | 33.65 | 416.67 | 13750.00 |
| 64 | 2030-11 | 449.32 | 32.66 | 416.67 | 13333.33 |
| 65 | 2030-12 | 448.33 | 31.67 | 416.67 | 12916.67 |
| 66 | 2031-01 | 447.34 | 30.68 | 416.67 | 12500.00 |
| 67 | 2031-02 | 446.35 | 29.69 | 416.67 | 12083.33 |
| 68 | 2031-03 | 445.36 | 28.70 | 416.67 | 11666.67 |
| 69 | 2031-04 | 444.38 | 27.71 | 416.67 | 11250.00 |
| 70 | 2031-05 | 443.39 | 26.72 | 416.67 | 10833.33 |
| 71 | 2031-06 | 442.40 | 25.73 | 416.67 | 10416.67 |
| 72 | 2031-07 | 441.41 | 24.74 | 416.67 | 10000.00 |
| 73 | 2031-08 | 440.42 | 23.75 | 416.67 | 9583.33 |
| 74 | 2031-09 | 439.43 | 22.76 | 416.67 | 9166.67 |
| 75 | 2031-10 | 438.44 | 21.77 | 416.67 | 8750.00 |
| 76 | 2031-11 | 437.45 | 20.78 | 416.67 | 8333.33 |
| 77 | 2031-12 | 436.46 | 19.79 | 416.67 | 7916.67 |
| 78 | 2032-01 | 435.47 | 18.80 | 416.67 | 7500.00 |
| 79 | 2032-02 | 434.48 | 17.81 | 416.67 | 7083.33 |
| 80 | 2032-03 | 433.49 | 16.82 | 416.67 | 6666.67 |
| 81 | 2032-04 | 432.50 | 15.83 | 416.67 | 6250.00 |
| 82 | 2032-05 | 431.51 | 14.84 | 416.67 | 5833.33 |
| 83 | 2032-06 | 430.52 | 13.85 | 416.67 | 5416.67 |
| 84 | 2032-07 | 429.53 | 12.86 | 416.67 | 5000.00 |
| 85 | 2032-08 | 428.54 | 11.88 | 416.67 | 4583.33 |
| 86 | 2032-09 | 427.55 | 10.89 | 416.67 | 4166.67 |
| 87 | 2032-10 | 426.56 | 9.90 | 416.67 | 3750.00 |
| 88 | 2032-11 | 425.57 | 8.91 | 416.67 | 3333.33 |
| 89 | 2032-12 | 424.58 | 7.92 | 416.67 | 2916.67 |
| 90 | 2033-01 | 423.59 | 6.93 | 416.67 | 2500.00 |
| 91 | 2033-02 | 422.60 | 5.94 | 416.67 | 2083.33 |
| 92 | 2033-03 | 421.61 | 4.95 | 416.67 | 1666.67 |
| 93 | 2033-04 | 420.63 | 3.96 | 416.67 | 1250.00 |
| 94 | 2033-05 | 419.64 | 2.97 | 416.67 | 833.33 |
| 95 | 2033-06 | 418.65 | 1.98 | 416.67 | 416.67 |
| 96 | 2033-07 | 417.66 | 0.99 | 416.67 | 0.00 |