贷款3万（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：3万
还款月数：8年
每月还款：349.85元
利息总额：3585.3元
本息合计：3.36万
| 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 | 349.85 | 71.25 | 278.60 | 29721.40 |
| 2 | 2025-09 | 349.85 | 70.59 | 279.26 | 29442.14 |
| 3 | 2025-10 | 349.85 | 69.93 | 279.92 | 29162.22 |
| 4 | 2025-11 | 349.85 | 69.26 | 280.59 | 28881.64 |
| 5 | 2025-12 | 349.85 | 68.59 | 281.25 | 28600.38 |
| 6 | 2026-01 | 349.85 | 67.93 | 281.92 | 28318.46 |
| 7 | 2026-02 | 349.85 | 67.26 | 282.59 | 28035.87 |
| 8 | 2026-03 | 349.85 | 66.59 | 283.26 | 27752.61 |
| 9 | 2026-04 | 349.85 | 65.91 | 283.93 | 27468.68 |
| 10 | 2026-05 | 349.85 | 65.24 | 284.61 | 27184.07 |
| 11 | 2026-06 | 349.85 | 64.56 | 285.28 | 26898.78 |
| 12 | 2026-07 | 349.85 | 63.88 | 285.96 | 26612.82 |
| 13 | 2026-08 | 349.85 | 63.21 | 286.64 | 26326.18 |
| 14 | 2026-09 | 349.85 | 62.52 | 287.32 | 26038.86 |
| 15 | 2026-10 | 349.85 | 61.84 | 288.00 | 25750.85 |
| 16 | 2026-11 | 349.85 | 61.16 | 288.69 | 25462.16 |
| 17 | 2026-12 | 349.85 | 60.47 | 289.37 | 25172.79 |
| 18 | 2027-01 | 349.85 | 59.79 | 290.06 | 24882.73 |
| 19 | 2027-02 | 349.85 | 59.10 | 290.75 | 24591.98 |
| 20 | 2027-03 | 349.85 | 58.41 | 291.44 | 24300.53 |
| 21 | 2027-04 | 349.85 | 57.71 | 292.13 | 24008.40 |
| 22 | 2027-05 | 349.85 | 57.02 | 292.83 | 23715.57 |
| 23 | 2027-06 | 349.85 | 56.32 | 293.52 | 23422.05 |
| 24 | 2027-07 | 349.85 | 55.63 | 294.22 | 23127.83 |
| 25 | 2027-08 | 349.85 | 54.93 | 294.92 | 22832.91 |
| 26 | 2027-09 | 349.85 | 54.23 | 295.62 | 22537.30 |
| 27 | 2027-10 | 349.85 | 53.53 | 296.32 | 22240.97 |
| 28 | 2027-11 | 349.85 | 52.82 | 297.02 | 21943.95 |
| 29 | 2027-12 | 349.85 | 52.12 | 297.73 | 21646.22 |
| 30 | 2028-01 | 349.85 | 51.41 | 298.44 | 21347.78 |
| 31 | 2028-02 | 349.85 | 50.70 | 299.15 | 21048.64 |
| 32 | 2028-03 | 349.85 | 49.99 | 299.86 | 20748.78 |
| 33 | 2028-04 | 349.85 | 49.28 | 300.57 | 20448.21 |
| 34 | 2028-05 | 349.85 | 48.56 | 301.28 | 20146.93 |
| 35 | 2028-06 | 349.85 | 47.85 | 302.00 | 19844.93 |
| 36 | 2028-07 | 349.85 | 47.13 | 302.72 | 19542.22 |
| 37 | 2028-08 | 349.85 | 46.41 | 303.43 | 19238.78 |
| 38 | 2028-09 | 349.85 | 45.69 | 304.15 | 18934.63 |
| 39 | 2028-10 | 349.85 | 44.97 | 304.88 | 18629.75 |
| 40 | 2028-11 | 349.85 | 44.25 | 305.60 | 18324.15 |
| 41 | 2028-12 | 349.85 | 43.52 | 306.33 | 18017.82 |
| 42 | 2029-01 | 349.85 | 42.79 | 307.05 | 17710.77 |
| 43 | 2029-02 | 349.85 | 42.06 | 307.78 | 17402.98 |
| 44 | 2029-03 | 349.85 | 41.33 | 308.51 | 17094.47 |
| 45 | 2029-04 | 349.85 | 40.60 | 309.25 | 16785.22 |
| 46 | 2029-05 | 349.85 | 39.86 | 309.98 | 16475.24 |
| 47 | 2029-06 | 349.85 | 39.13 | 310.72 | 16164.52 |
| 48 | 2029-07 | 349.85 | 38.39 | 311.46 | 15853.06 |
| 49 | 2029-08 | 349.85 | 37.65 | 312.20 | 15540.87 |
| 50 | 2029-09 | 349.85 | 36.91 | 312.94 | 15227.93 |
| 51 | 2029-10 | 349.85 | 36.17 | 313.68 | 14914.25 |
| 52 | 2029-11 | 349.85 | 35.42 | 314.43 | 14599.83 |
| 53 | 2029-12 | 349.85 | 34.67 | 315.17 | 14284.65 |
| 54 | 2030-01 | 349.85 | 33.93 | 315.92 | 13968.73 |
| 55 | 2030-02 | 349.85 | 33.18 | 316.67 | 13652.06 |
| 56 | 2030-03 | 349.85 | 32.42 | 317.42 | 13334.64 |
| 57 | 2030-04 | 349.85 | 31.67 | 318.18 | 13016.46 |
| 58 | 2030-05 | 349.85 | 30.91 | 318.93 | 12697.53 |
| 59 | 2030-06 | 349.85 | 30.16 | 319.69 | 12377.84 |
| 60 | 2030-07 | 349.85 | 29.40 | 320.45 | 12057.39 |
| 61 | 2030-08 | 349.85 | 28.64 | 321.21 | 11736.18 |
| 62 | 2030-09 | 349.85 | 27.87 | 321.97 | 11414.20 |
| 63 | 2030-10 | 349.85 | 27.11 | 322.74 | 11091.47 |
| 64 | 2030-11 | 349.85 | 26.34 | 323.50 | 10767.96 |
| 65 | 2030-12 | 349.85 | 25.57 | 324.27 | 10443.69 |
| 66 | 2031-01 | 349.85 | 24.80 | 325.04 | 10118.64 |
| 67 | 2031-02 | 349.85 | 24.03 | 325.82 | 9792.83 |
| 68 | 2031-03 | 349.85 | 23.26 | 326.59 | 9466.24 |
| 69 | 2031-04 | 349.85 | 22.48 | 327.36 | 9138.88 |
| 70 | 2031-05 | 349.85 | 21.70 | 328.14 | 8810.73 |
| 71 | 2031-06 | 349.85 | 20.93 | 328.92 | 8481.81 |
| 72 | 2031-07 | 349.85 | 20.14 | 329.70 | 8152.11 |
| 73 | 2031-08 | 349.85 | 19.36 | 330.49 | 7821.62 |
| 74 | 2031-09 | 349.85 | 18.58 | 331.27 | 7490.35 |
| 75 | 2031-10 | 349.85 | 17.79 | 332.06 | 7158.30 |
| 76 | 2031-11 | 349.85 | 17.00 | 332.85 | 6825.45 |
| 77 | 2031-12 | 349.85 | 16.21 | 333.64 | 6491.81 |
| 78 | 2032-01 | 349.85 | 15.42 | 334.43 | 6157.38 |
| 79 | 2032-02 | 349.85 | 14.62 | 335.22 | 5822.16 |
| 80 | 2032-03 | 349.85 | 13.83 | 336.02 | 5486.14 |
| 81 | 2032-04 | 349.85 | 13.03 | 336.82 | 5149.33 |
| 82 | 2032-05 | 349.85 | 12.23 | 337.62 | 4811.71 |
| 83 | 2032-06 | 349.85 | 11.43 | 338.42 | 4473.29 |
| 84 | 2032-07 | 349.85 | 10.62 | 339.22 | 4134.07 |
| 85 | 2032-08 | 349.85 | 9.82 | 340.03 | 3794.04 |
| 86 | 2032-09 | 349.85 | 9.01 | 340.84 | 3453.20 |
| 87 | 2032-10 | 349.85 | 8.20 | 341.65 | 3111.56 |
| 88 | 2032-11 | 349.85 | 7.39 | 342.46 | 2769.10 |
| 89 | 2032-12 | 349.85 | 6.58 | 343.27 | 2425.83 |
| 90 | 2033-01 | 349.85 | 5.76 | 344.09 | 2081.74 |
| 91 | 2033-02 | 349.85 | 4.94 | 344.90 | 1736.84 |
| 92 | 2033-03 | 349.85 | 4.12 | 345.72 | 1391.12 |
| 93 | 2033-04 | 349.85 | 3.30 | 346.54 | 1044.58 |
| 94 | 2033-05 | 349.85 | 2.48 | 347.37 | 697.21 |
| 95 | 2033-06 | 349.85 | 1.66 | 348.19 | 349.02 |
| 96 | 2033-07 | 349.85 | 0.83 | 349.02 | 0.00 |
等额本金还款方式：
贷款总额：3万
还款月数：8年
首月还款：383.75元
每月递减：0.74元
利息总额：3455.63元
本息合计：3.35万
节省利息：129.68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 | 383.75 | 71.25 | 312.50 | 29687.50 |
| 2 | 2025-09 | 383.01 | 70.51 | 312.50 | 29375.00 |
| 3 | 2025-10 | 382.27 | 69.77 | 312.50 | 29062.50 |
| 4 | 2025-11 | 381.52 | 69.02 | 312.50 | 28750.00 |
| 5 | 2025-12 | 380.78 | 68.28 | 312.50 | 28437.50 |
| 6 | 2026-01 | 380.04 | 67.54 | 312.50 | 28125.00 |
| 7 | 2026-02 | 379.30 | 66.80 | 312.50 | 27812.50 |
| 8 | 2026-03 | 378.55 | 66.05 | 312.50 | 27500.00 |
| 9 | 2026-04 | 377.81 | 65.31 | 312.50 | 27187.50 |
| 10 | 2026-05 | 377.07 | 64.57 | 312.50 | 26875.00 |
| 11 | 2026-06 | 376.33 | 63.83 | 312.50 | 26562.50 |
| 12 | 2026-07 | 375.59 | 63.09 | 312.50 | 26250.00 |
| 13 | 2026-08 | 374.84 | 62.34 | 312.50 | 25937.50 |
| 14 | 2026-09 | 374.10 | 61.60 | 312.50 | 25625.00 |
| 15 | 2026-10 | 373.36 | 60.86 | 312.50 | 25312.50 |
| 16 | 2026-11 | 372.62 | 60.12 | 312.50 | 25000.00 |
| 17 | 2026-12 | 371.88 | 59.38 | 312.50 | 24687.50 |
| 18 | 2027-01 | 371.13 | 58.63 | 312.50 | 24375.00 |
| 19 | 2027-02 | 370.39 | 57.89 | 312.50 | 24062.50 |
| 20 | 2027-03 | 369.65 | 57.15 | 312.50 | 23750.00 |
| 21 | 2027-04 | 368.91 | 56.41 | 312.50 | 23437.50 |
| 22 | 2027-05 | 368.16 | 55.66 | 312.50 | 23125.00 |
| 23 | 2027-06 | 367.42 | 54.92 | 312.50 | 22812.50 |
| 24 | 2027-07 | 366.68 | 54.18 | 312.50 | 22500.00 |
| 25 | 2027-08 | 365.94 | 53.44 | 312.50 | 22187.50 |
| 26 | 2027-09 | 365.20 | 52.70 | 312.50 | 21875.00 |
| 27 | 2027-10 | 364.45 | 51.95 | 312.50 | 21562.50 |
| 28 | 2027-11 | 363.71 | 51.21 | 312.50 | 21250.00 |
| 29 | 2027-12 | 362.97 | 50.47 | 312.50 | 20937.50 |
| 30 | 2028-01 | 362.23 | 49.73 | 312.50 | 20625.00 |
| 31 | 2028-02 | 361.48 | 48.98 | 312.50 | 20312.50 |
| 32 | 2028-03 | 360.74 | 48.24 | 312.50 | 20000.00 |
| 33 | 2028-04 | 360.00 | 47.50 | 312.50 | 19687.50 |
| 34 | 2028-05 | 359.26 | 46.76 | 312.50 | 19375.00 |
| 35 | 2028-06 | 358.52 | 46.02 | 312.50 | 19062.50 |
| 36 | 2028-07 | 357.77 | 45.27 | 312.50 | 18750.00 |
| 37 | 2028-08 | 357.03 | 44.53 | 312.50 | 18437.50 |
| 38 | 2028-09 | 356.29 | 43.79 | 312.50 | 18125.00 |
| 39 | 2028-10 | 355.55 | 43.05 | 312.50 | 17812.50 |
| 40 | 2028-11 | 354.80 | 42.30 | 312.50 | 17500.00 |
| 41 | 2028-12 | 354.06 | 41.56 | 312.50 | 17187.50 |
| 42 | 2029-01 | 353.32 | 40.82 | 312.50 | 16875.00 |
| 43 | 2029-02 | 352.58 | 40.08 | 312.50 | 16562.50 |
| 44 | 2029-03 | 351.84 | 39.34 | 312.50 | 16250.00 |
| 45 | 2029-04 | 351.09 | 38.59 | 312.50 | 15937.50 |
| 46 | 2029-05 | 350.35 | 37.85 | 312.50 | 15625.00 |
| 47 | 2029-06 | 349.61 | 37.11 | 312.50 | 15312.50 |
| 48 | 2029-07 | 348.87 | 36.37 | 312.50 | 15000.00 |
| 49 | 2029-08 | 348.13 | 35.63 | 312.50 | 14687.50 |
| 50 | 2029-09 | 347.38 | 34.88 | 312.50 | 14375.00 |
| 51 | 2029-10 | 346.64 | 34.14 | 312.50 | 14062.50 |
| 52 | 2029-11 | 345.90 | 33.40 | 312.50 | 13750.00 |
| 53 | 2029-12 | 345.16 | 32.66 | 312.50 | 13437.50 |
| 54 | 2030-01 | 344.41 | 31.91 | 312.50 | 13125.00 |
| 55 | 2030-02 | 343.67 | 31.17 | 312.50 | 12812.50 |
| 56 | 2030-03 | 342.93 | 30.43 | 312.50 | 12500.00 |
| 57 | 2030-04 | 342.19 | 29.69 | 312.50 | 12187.50 |
| 58 | 2030-05 | 341.45 | 28.95 | 312.50 | 11875.00 |
| 59 | 2030-06 | 340.70 | 28.20 | 312.50 | 11562.50 |
| 60 | 2030-07 | 339.96 | 27.46 | 312.50 | 11250.00 |
| 61 | 2030-08 | 339.22 | 26.72 | 312.50 | 10937.50 |
| 62 | 2030-09 | 338.48 | 25.98 | 312.50 | 10625.00 |
| 63 | 2030-10 | 337.73 | 25.23 | 312.50 | 10312.50 |
| 64 | 2030-11 | 336.99 | 24.49 | 312.50 | 10000.00 |
| 65 | 2030-12 | 336.25 | 23.75 | 312.50 | 9687.50 |
| 66 | 2031-01 | 335.51 | 23.01 | 312.50 | 9375.00 |
| 67 | 2031-02 | 334.77 | 22.27 | 312.50 | 9062.50 |
| 68 | 2031-03 | 334.02 | 21.52 | 312.50 | 8750.00 |
| 69 | 2031-04 | 333.28 | 20.78 | 312.50 | 8437.50 |
| 70 | 2031-05 | 332.54 | 20.04 | 312.50 | 8125.00 |
| 71 | 2031-06 | 331.80 | 19.30 | 312.50 | 7812.50 |
| 72 | 2031-07 | 331.05 | 18.55 | 312.50 | 7500.00 |
| 73 | 2031-08 | 330.31 | 17.81 | 312.50 | 7187.50 |
| 74 | 2031-09 | 329.57 | 17.07 | 312.50 | 6875.00 |
| 75 | 2031-10 | 328.83 | 16.33 | 312.50 | 6562.50 |
| 76 | 2031-11 | 328.09 | 15.59 | 312.50 | 6250.00 |
| 77 | 2031-12 | 327.34 | 14.84 | 312.50 | 5937.50 |
| 78 | 2032-01 | 326.60 | 14.10 | 312.50 | 5625.00 |
| 79 | 2032-02 | 325.86 | 13.36 | 312.50 | 5312.50 |
| 80 | 2032-03 | 325.12 | 12.62 | 312.50 | 5000.00 |
| 81 | 2032-04 | 324.38 | 11.88 | 312.50 | 4687.50 |
| 82 | 2032-05 | 323.63 | 11.13 | 312.50 | 4375.00 |
| 83 | 2032-06 | 322.89 | 10.39 | 312.50 | 4062.50 |
| 84 | 2032-07 | 322.15 | 9.65 | 312.50 | 3750.00 |
| 85 | 2032-08 | 321.41 | 8.91 | 312.50 | 3437.50 |
| 86 | 2032-09 | 320.66 | 8.16 | 312.50 | 3125.00 |
| 87 | 2032-10 | 319.92 | 7.42 | 312.50 | 2812.50 |
| 88 | 2032-11 | 319.18 | 6.68 | 312.50 | 2500.00 |
| 89 | 2032-12 | 318.44 | 5.94 | 312.50 | 2187.50 |
| 90 | 2033-01 | 317.70 | 5.20 | 312.50 | 1875.00 |
| 91 | 2033-02 | 316.95 | 4.45 | 312.50 | 1562.50 |
| 92 | 2033-03 | 316.21 | 3.71 | 312.50 | 1250.00 |
| 93 | 2033-04 | 315.47 | 2.97 | 312.50 | 937.50 |
| 94 | 2033-05 | 314.73 | 2.23 | 312.50 | 625.00 |
| 95 | 2033-06 | 313.98 | 1.48 | 312.50 | 312.50 |
| 96 | 2033-07 | 313.24 | 0.74 | 312.50 | 0.00 |