贷款2万（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：2万
还款月数：8年
每月还款：233.23元
利息总额：2390.2元
本息合计：2.24万
| 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 | 233.23 | 47.50 | 185.73 | 19814.27 |
| 2 | 2025-09 | 233.23 | 47.06 | 186.17 | 19628.10 |
| 3 | 2025-10 | 233.23 | 46.62 | 186.61 | 19441.48 |
| 4 | 2025-11 | 233.23 | 46.17 | 187.06 | 19254.42 |
| 5 | 2025-12 | 233.23 | 45.73 | 187.50 | 19066.92 |
| 6 | 2026-01 | 233.23 | 45.28 | 187.95 | 18878.97 |
| 7 | 2026-02 | 233.23 | 44.84 | 188.39 | 18690.58 |
| 8 | 2026-03 | 233.23 | 44.39 | 188.84 | 18501.74 |
| 9 | 2026-04 | 233.23 | 43.94 | 189.29 | 18312.45 |
| 10 | 2026-05 | 233.23 | 43.49 | 189.74 | 18122.71 |
| 11 | 2026-06 | 233.23 | 43.04 | 190.19 | 17932.52 |
| 12 | 2026-07 | 233.23 | 42.59 | 190.64 | 17741.88 |
| 13 | 2026-08 | 233.23 | 42.14 | 191.09 | 17550.79 |
| 14 | 2026-09 | 233.23 | 41.68 | 191.55 | 17359.24 |
| 15 | 2026-10 | 233.23 | 41.23 | 192.00 | 17167.23 |
| 16 | 2026-11 | 233.23 | 40.77 | 192.46 | 16974.77 |
| 17 | 2026-12 | 233.23 | 40.32 | 192.92 | 16781.86 |
| 18 | 2027-01 | 233.23 | 39.86 | 193.37 | 16588.48 |
| 19 | 2027-02 | 233.23 | 39.40 | 193.83 | 16394.65 |
| 20 | 2027-03 | 233.23 | 38.94 | 194.29 | 16200.36 |
| 21 | 2027-04 | 233.23 | 38.48 | 194.76 | 16005.60 |
| 22 | 2027-05 | 233.23 | 38.01 | 195.22 | 15810.38 |
| 23 | 2027-06 | 233.23 | 37.55 | 195.68 | 15614.70 |
| 24 | 2027-07 | 233.23 | 37.08 | 196.15 | 15418.56 |
| 25 | 2027-08 | 233.23 | 36.62 | 196.61 | 15221.94 |
| 26 | 2027-09 | 233.23 | 36.15 | 197.08 | 15024.86 |
| 27 | 2027-10 | 233.23 | 35.68 | 197.55 | 14827.32 |
| 28 | 2027-11 | 233.23 | 35.21 | 198.02 | 14629.30 |
| 29 | 2027-12 | 233.23 | 34.74 | 198.49 | 14430.81 |
| 30 | 2028-01 | 233.23 | 34.27 | 198.96 | 14231.86 |
| 31 | 2028-02 | 233.23 | 33.80 | 199.43 | 14032.42 |
| 32 | 2028-03 | 233.23 | 33.33 | 199.90 | 13832.52 |
| 33 | 2028-04 | 233.23 | 32.85 | 200.38 | 13632.14 |
| 34 | 2028-05 | 233.23 | 32.38 | 200.85 | 13431.29 |
| 35 | 2028-06 | 233.23 | 31.90 | 201.33 | 13229.95 |
| 36 | 2028-07 | 233.23 | 31.42 | 201.81 | 13028.14 |
| 37 | 2028-08 | 233.23 | 30.94 | 202.29 | 12825.85 |
| 38 | 2028-09 | 233.23 | 30.46 | 202.77 | 12623.09 |
| 39 | 2028-10 | 233.23 | 29.98 | 203.25 | 12419.83 |
| 40 | 2028-11 | 233.23 | 29.50 | 203.73 | 12216.10 |
| 41 | 2028-12 | 233.23 | 29.01 | 204.22 | 12011.88 |
| 42 | 2029-01 | 233.23 | 28.53 | 204.70 | 11807.18 |
| 43 | 2029-02 | 233.23 | 28.04 | 205.19 | 11601.99 |
| 44 | 2029-03 | 233.23 | 27.55 | 205.68 | 11396.31 |
| 45 | 2029-04 | 233.23 | 27.07 | 206.17 | 11190.15 |
| 46 | 2029-05 | 233.23 | 26.58 | 206.65 | 10983.49 |
| 47 | 2029-06 | 233.23 | 26.09 | 207.15 | 10776.35 |
| 48 | 2029-07 | 233.23 | 25.59 | 207.64 | 10568.71 |
| 49 | 2029-08 | 233.23 | 25.10 | 208.13 | 10360.58 |
| 50 | 2029-09 | 233.23 | 24.61 | 208.62 | 10151.95 |
| 51 | 2029-10 | 233.23 | 24.11 | 209.12 | 9942.83 |
| 52 | 2029-11 | 233.23 | 23.61 | 209.62 | 9733.22 |
| 53 | 2029-12 | 233.23 | 23.12 | 210.11 | 9523.10 |
| 54 | 2030-01 | 233.23 | 22.62 | 210.61 | 9312.49 |
| 55 | 2030-02 | 233.23 | 22.12 | 211.11 | 9101.37 |
| 56 | 2030-03 | 233.23 | 21.62 | 211.62 | 8889.76 |
| 57 | 2030-04 | 233.23 | 21.11 | 212.12 | 8677.64 |
| 58 | 2030-05 | 233.23 | 20.61 | 212.62 | 8465.02 |
| 59 | 2030-06 | 233.23 | 20.10 | 213.13 | 8251.89 |
| 60 | 2030-07 | 233.23 | 19.60 | 213.63 | 8038.26 |
| 61 | 2030-08 | 233.23 | 19.09 | 214.14 | 7824.12 |
| 62 | 2030-09 | 233.23 | 18.58 | 214.65 | 7609.47 |
| 63 | 2030-10 | 233.23 | 18.07 | 215.16 | 7394.31 |
| 64 | 2030-11 | 233.23 | 17.56 | 215.67 | 7178.64 |
| 65 | 2030-12 | 233.23 | 17.05 | 216.18 | 6962.46 |
| 66 | 2031-01 | 233.23 | 16.54 | 216.70 | 6745.76 |
| 67 | 2031-02 | 233.23 | 16.02 | 217.21 | 6528.55 |
| 68 | 2031-03 | 233.23 | 15.51 | 217.73 | 6310.83 |
| 69 | 2031-04 | 233.23 | 14.99 | 218.24 | 6092.58 |
| 70 | 2031-05 | 233.23 | 14.47 | 218.76 | 5873.82 |
| 71 | 2031-06 | 233.23 | 13.95 | 219.28 | 5654.54 |
| 72 | 2031-07 | 233.23 | 13.43 | 219.80 | 5434.74 |
| 73 | 2031-08 | 233.23 | 12.91 | 220.32 | 5214.42 |
| 74 | 2031-09 | 233.23 | 12.38 | 220.85 | 4993.57 |
| 75 | 2031-10 | 233.23 | 11.86 | 221.37 | 4772.20 |
| 76 | 2031-11 | 233.23 | 11.33 | 221.90 | 4550.30 |
| 77 | 2031-12 | 233.23 | 10.81 | 222.42 | 4327.88 |
| 78 | 2032-01 | 233.23 | 10.28 | 222.95 | 4104.92 |
| 79 | 2032-02 | 233.23 | 9.75 | 223.48 | 3881.44 |
| 80 | 2032-03 | 233.23 | 9.22 | 224.01 | 3657.43 |
| 81 | 2032-04 | 233.23 | 8.69 | 224.54 | 3432.88 |
| 82 | 2032-05 | 233.23 | 8.15 | 225.08 | 3207.81 |
| 83 | 2032-06 | 233.23 | 7.62 | 225.61 | 2982.19 |
| 84 | 2032-07 | 233.23 | 7.08 | 226.15 | 2756.04 |
| 85 | 2032-08 | 233.23 | 6.55 | 226.69 | 2529.36 |
| 86 | 2032-09 | 233.23 | 6.01 | 227.22 | 2302.13 |
| 87 | 2032-10 | 233.23 | 5.47 | 227.76 | 2074.37 |
| 88 | 2032-11 | 233.23 | 4.93 | 228.30 | 1846.07 |
| 89 | 2032-12 | 233.23 | 4.38 | 228.85 | 1617.22 |
| 90 | 2033-01 | 233.23 | 3.84 | 229.39 | 1387.83 |
| 91 | 2033-02 | 233.23 | 3.30 | 229.94 | 1157.89 |
| 92 | 2033-03 | 233.23 | 2.75 | 230.48 | 927.41 |
| 93 | 2033-04 | 233.23 | 2.20 | 231.03 | 696.38 |
| 94 | 2033-05 | 233.23 | 1.65 | 231.58 | 464.81 |
| 95 | 2033-06 | 233.23 | 1.10 | 232.13 | 232.68 |
| 96 | 2033-07 | 233.23 | 0.55 | 232.68 | 0.00 |
等额本金还款方式：
贷款总额：2万
还款月数：8年
首月还款：255.83元
每月递减：0.49元
利息总额：2303.75元
本息合计：2.23万
节省利息：86.45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 | 255.83 | 47.50 | 208.33 | 19791.67 |
| 2 | 2025-09 | 255.34 | 47.01 | 208.33 | 19583.33 |
| 3 | 2025-10 | 254.84 | 46.51 | 208.33 | 19375.00 |
| 4 | 2025-11 | 254.35 | 46.02 | 208.33 | 19166.67 |
| 5 | 2025-12 | 253.85 | 45.52 | 208.33 | 18958.33 |
| 6 | 2026-01 | 253.36 | 45.03 | 208.33 | 18750.00 |
| 7 | 2026-02 | 252.86 | 44.53 | 208.33 | 18541.67 |
| 8 | 2026-03 | 252.37 | 44.04 | 208.33 | 18333.33 |
| 9 | 2026-04 | 251.88 | 43.54 | 208.33 | 18125.00 |
| 10 | 2026-05 | 251.38 | 43.05 | 208.33 | 17916.67 |
| 11 | 2026-06 | 250.89 | 42.55 | 208.33 | 17708.33 |
| 12 | 2026-07 | 250.39 | 42.06 | 208.33 | 17500.00 |
| 13 | 2026-08 | 249.90 | 41.56 | 208.33 | 17291.67 |
| 14 | 2026-09 | 249.40 | 41.07 | 208.33 | 17083.33 |
| 15 | 2026-10 | 248.91 | 40.57 | 208.33 | 16875.00 |
| 16 | 2026-11 | 248.41 | 40.08 | 208.33 | 16666.67 |
| 17 | 2026-12 | 247.92 | 39.58 | 208.33 | 16458.33 |
| 18 | 2027-01 | 247.42 | 39.09 | 208.33 | 16250.00 |
| 19 | 2027-02 | 246.93 | 38.59 | 208.33 | 16041.67 |
| 20 | 2027-03 | 246.43 | 38.10 | 208.33 | 15833.33 |
| 21 | 2027-04 | 245.94 | 37.60 | 208.33 | 15625.00 |
| 22 | 2027-05 | 245.44 | 37.11 | 208.33 | 15416.67 |
| 23 | 2027-06 | 244.95 | 36.61 | 208.33 | 15208.33 |
| 24 | 2027-07 | 244.45 | 36.12 | 208.33 | 15000.00 |
| 25 | 2027-08 | 243.96 | 35.63 | 208.33 | 14791.67 |
| 26 | 2027-09 | 243.46 | 35.13 | 208.33 | 14583.33 |
| 27 | 2027-10 | 242.97 | 34.64 | 208.33 | 14375.00 |
| 28 | 2027-11 | 242.47 | 34.14 | 208.33 | 14166.67 |
| 29 | 2027-12 | 241.98 | 33.65 | 208.33 | 13958.33 |
| 30 | 2028-01 | 241.48 | 33.15 | 208.33 | 13750.00 |
| 31 | 2028-02 | 240.99 | 32.66 | 208.33 | 13541.67 |
| 32 | 2028-03 | 240.49 | 32.16 | 208.33 | 13333.33 |
| 33 | 2028-04 | 240.00 | 31.67 | 208.33 | 13125.00 |
| 34 | 2028-05 | 239.51 | 31.17 | 208.33 | 12916.67 |
| 35 | 2028-06 | 239.01 | 30.68 | 208.33 | 12708.33 |
| 36 | 2028-07 | 238.52 | 30.18 | 208.33 | 12500.00 |
| 37 | 2028-08 | 238.02 | 29.69 | 208.33 | 12291.67 |
| 38 | 2028-09 | 237.53 | 29.19 | 208.33 | 12083.33 |
| 39 | 2028-10 | 237.03 | 28.70 | 208.33 | 11875.00 |
| 40 | 2028-11 | 236.54 | 28.20 | 208.33 | 11666.67 |
| 41 | 2028-12 | 236.04 | 27.71 | 208.33 | 11458.33 |
| 42 | 2029-01 | 235.55 | 27.21 | 208.33 | 11250.00 |
| 43 | 2029-02 | 235.05 | 26.72 | 208.33 | 11041.67 |
| 44 | 2029-03 | 234.56 | 26.22 | 208.33 | 10833.33 |
| 45 | 2029-04 | 234.06 | 25.73 | 208.33 | 10625.00 |
| 46 | 2029-05 | 233.57 | 25.23 | 208.33 | 10416.67 |
| 47 | 2029-06 | 233.07 | 24.74 | 208.33 | 10208.33 |
| 48 | 2029-07 | 232.58 | 24.24 | 208.33 | 10000.00 |
| 49 | 2029-08 | 232.08 | 23.75 | 208.33 | 9791.67 |
| 50 | 2029-09 | 231.59 | 23.26 | 208.33 | 9583.33 |
| 51 | 2029-10 | 231.09 | 22.76 | 208.33 | 9375.00 |
| 52 | 2029-11 | 230.60 | 22.27 | 208.33 | 9166.67 |
| 53 | 2029-12 | 230.10 | 21.77 | 208.33 | 8958.33 |
| 54 | 2030-01 | 229.61 | 21.28 | 208.33 | 8750.00 |
| 55 | 2030-02 | 229.11 | 20.78 | 208.33 | 8541.67 |
| 56 | 2030-03 | 228.62 | 20.29 | 208.33 | 8333.33 |
| 57 | 2030-04 | 228.13 | 19.79 | 208.33 | 8125.00 |
| 58 | 2030-05 | 227.63 | 19.30 | 208.33 | 7916.67 |
| 59 | 2030-06 | 227.14 | 18.80 | 208.33 | 7708.33 |
| 60 | 2030-07 | 226.64 | 18.31 | 208.33 | 7500.00 |
| 61 | 2030-08 | 226.15 | 17.81 | 208.33 | 7291.67 |
| 62 | 2030-09 | 225.65 | 17.32 | 208.33 | 7083.33 |
| 63 | 2030-10 | 225.16 | 16.82 | 208.33 | 6875.00 |
| 64 | 2030-11 | 224.66 | 16.33 | 208.33 | 6666.67 |
| 65 | 2030-12 | 224.17 | 15.83 | 208.33 | 6458.33 |
| 66 | 2031-01 | 223.67 | 15.34 | 208.33 | 6250.00 |
| 67 | 2031-02 | 223.18 | 14.84 | 208.33 | 6041.67 |
| 68 | 2031-03 | 222.68 | 14.35 | 208.33 | 5833.33 |
| 69 | 2031-04 | 222.19 | 13.85 | 208.33 | 5625.00 |
| 70 | 2031-05 | 221.69 | 13.36 | 208.33 | 5416.67 |
| 71 | 2031-06 | 221.20 | 12.86 | 208.33 | 5208.33 |
| 72 | 2031-07 | 220.70 | 12.37 | 208.33 | 5000.00 |
| 73 | 2031-08 | 220.21 | 11.88 | 208.33 | 4791.67 |
| 74 | 2031-09 | 219.71 | 11.38 | 208.33 | 4583.33 |
| 75 | 2031-10 | 219.22 | 10.89 | 208.33 | 4375.00 |
| 76 | 2031-11 | 218.72 | 10.39 | 208.33 | 4166.67 |
| 77 | 2031-12 | 218.23 | 9.90 | 208.33 | 3958.33 |
| 78 | 2032-01 | 217.73 | 9.40 | 208.33 | 3750.00 |
| 79 | 2032-02 | 217.24 | 8.91 | 208.33 | 3541.67 |
| 80 | 2032-03 | 216.74 | 8.41 | 208.33 | 3333.33 |
| 81 | 2032-04 | 216.25 | 7.92 | 208.33 | 3125.00 |
| 82 | 2032-05 | 215.76 | 7.42 | 208.33 | 2916.67 |
| 83 | 2032-06 | 215.26 | 6.93 | 208.33 | 2708.33 |
| 84 | 2032-07 | 214.77 | 6.43 | 208.33 | 2500.00 |
| 85 | 2032-08 | 214.27 | 5.94 | 208.33 | 2291.67 |
| 86 | 2032-09 | 213.78 | 5.44 | 208.33 | 2083.33 |
| 87 | 2032-10 | 213.28 | 4.95 | 208.33 | 1875.00 |
| 88 | 2032-11 | 212.79 | 4.45 | 208.33 | 1666.67 |
| 89 | 2032-12 | 212.29 | 3.96 | 208.33 | 1458.33 |
| 90 | 2033-01 | 211.80 | 3.46 | 208.33 | 1250.00 |
| 91 | 2033-02 | 211.30 | 2.97 | 208.33 | 1041.67 |
| 92 | 2033-03 | 210.81 | 2.47 | 208.33 | 833.33 |
| 93 | 2033-04 | 210.31 | 1.98 | 208.33 | 625.00 |
| 94 | 2033-05 | 209.82 | 1.48 | 208.33 | 416.67 |
| 95 | 2033-06 | 209.32 | 0.99 | 208.33 | 208.33 |
| 96 | 2033-07 | 208.83 | 0.49 | 208.33 | 0.00 |