贷款360万（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：360万
还款月数：8年
每月还款：41575.57元
利息总额：39.13万
本息合计：399.13万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 41575.57 | 7800.00 | 33775.57 | 3566224.43 |
| 2 | 2025-08 | 41575.57 | 7726.82 | 33848.75 | 3532375.69 |
| 3 | 2025-09 | 41575.57 | 7653.48 | 33922.09 | 3498453.60 |
| 4 | 2025-10 | 41575.57 | 7579.98 | 33995.58 | 3464458.01 |
| 5 | 2025-11 | 41575.57 | 7506.33 | 34069.24 | 3430388.77 |
| 6 | 2025-12 | 41575.57 | 7432.51 | 34143.06 | 3396245.72 |
| 7 | 2026-01 | 41575.57 | 7358.53 | 34217.03 | 3362028.68 |
| 8 | 2026-02 | 41575.57 | 7284.40 | 34291.17 | 3327737.51 |
| 9 | 2026-03 | 41575.57 | 7210.10 | 34365.47 | 3293372.04 |
| 10 | 2026-04 | 41575.57 | 7135.64 | 34439.93 | 3258932.11 |
| 11 | 2026-05 | 41575.57 | 7061.02 | 34514.55 | 3224417.57 |
| 12 | 2026-06 | 41575.57 | 6986.24 | 34589.33 | 3189828.24 |
| 13 | 2026-07 | 41575.57 | 6911.29 | 34664.27 | 3155163.96 |
| 14 | 2026-08 | 41575.57 | 6836.19 | 34739.38 | 3120424.59 |
| 15 | 2026-09 | 41575.57 | 6760.92 | 34814.65 | 3085609.94 |
| 16 | 2026-10 | 41575.57 | 6685.49 | 34890.08 | 3050719.86 |
| 17 | 2026-11 | 41575.57 | 6609.89 | 34965.67 | 3015754.19 |
| 18 | 2026-12 | 41575.57 | 6534.13 | 35041.43 | 2980712.75 |
| 19 | 2027-01 | 41575.57 | 6458.21 | 35117.36 | 2945595.40 |
| 20 | 2027-02 | 41575.57 | 6382.12 | 35193.44 | 2910401.95 |
| 21 | 2027-03 | 41575.57 | 6305.87 | 35269.70 | 2875132.26 |
| 22 | 2027-04 | 41575.57 | 6229.45 | 35346.11 | 2839786.14 |
| 23 | 2027-05 | 41575.57 | 6152.87 | 35422.70 | 2804363.45 |
| 24 | 2027-06 | 41575.57 | 6076.12 | 35499.45 | 2768864.00 |
| 25 | 2027-07 | 41575.57 | 5999.21 | 35576.36 | 2733287.64 |
| 26 | 2027-08 | 41575.57 | 5922.12 | 35653.44 | 2697634.19 |
| 27 | 2027-09 | 41575.57 | 5844.87 | 35730.69 | 2661903.50 |
| 28 | 2027-10 | 41575.57 | 5767.46 | 35808.11 | 2626095.39 |
| 29 | 2027-11 | 41575.57 | 5689.87 | 35885.69 | 2590209.70 |
| 30 | 2027-12 | 41575.57 | 5612.12 | 35963.45 | 2554246.25 |
| 31 | 2028-01 | 41575.57 | 5534.20 | 36041.37 | 2518204.89 |
| 32 | 2028-02 | 41575.57 | 5456.11 | 36119.46 | 2482085.43 |
| 33 | 2028-03 | 41575.57 | 5377.85 | 36197.72 | 2445887.71 |
| 34 | 2028-04 | 41575.57 | 5299.42 | 36276.14 | 2409611.57 |
| 35 | 2028-05 | 41575.57 | 5220.83 | 36354.74 | 2373256.83 |
| 36 | 2028-06 | 41575.57 | 5142.06 | 36433.51 | 2336823.32 |
| 37 | 2028-07 | 41575.57 | 5063.12 | 36512.45 | 2300310.87 |
| 38 | 2028-08 | 41575.57 | 4984.01 | 36591.56 | 2263719.31 |
| 39 | 2028-09 | 41575.57 | 4904.73 | 36670.84 | 2227048.47 |
| 40 | 2028-10 | 41575.57 | 4825.27 | 36750.30 | 2190298.17 |
| 41 | 2028-11 | 41575.57 | 4745.65 | 36829.92 | 2153468.25 |
| 42 | 2028-12 | 41575.57 | 4665.85 | 36909.72 | 2116558.53 |
| 43 | 2029-01 | 41575.57 | 4585.88 | 36989.69 | 2079568.84 |
| 44 | 2029-02 | 41575.57 | 4505.73 | 37069.83 | 2042499.01 |
| 45 | 2029-03 | 41575.57 | 4425.41 | 37150.15 | 2005348.85 |
| 46 | 2029-04 | 41575.57 | 4344.92 | 37230.64 | 1968118.21 |
| 47 | 2029-05 | 41575.57 | 4264.26 | 37311.31 | 1930806.90 |
| 48 | 2029-06 | 41575.57 | 4183.41 | 37392.15 | 1893414.75 |
| 49 | 2029-07 | 41575.57 | 4102.40 | 37473.17 | 1855941.58 |
| 50 | 2029-08 | 41575.57 | 4021.21 | 37554.36 | 1818387.22 |
| 51 | 2029-09 | 41575.57 | 3939.84 | 37635.73 | 1780751.49 |
| 52 | 2029-10 | 41575.57 | 3858.29 | 37717.27 | 1743034.22 |
| 53 | 2029-11 | 41575.57 | 3776.57 | 37798.99 | 1705235.22 |
| 54 | 2029-12 | 41575.57 | 3694.68 | 37880.89 | 1667354.33 |
| 55 | 2030-01 | 41575.57 | 3612.60 | 37962.97 | 1629391.37 |
| 56 | 2030-02 | 41575.57 | 3530.35 | 38045.22 | 1591346.15 |
| 57 | 2030-03 | 41575.57 | 3447.92 | 38127.65 | 1553218.50 |
| 58 | 2030-04 | 41575.57 | 3365.31 | 38210.26 | 1515008.24 |
| 59 | 2030-05 | 41575.57 | 3282.52 | 38293.05 | 1476715.19 |
| 60 | 2030-06 | 41575.57 | 3199.55 | 38376.02 | 1438339.17 |
| 61 | 2030-07 | 41575.57 | 3116.40 | 38459.17 | 1399880.01 |
| 62 | 2030-08 | 41575.57 | 3033.07 | 38542.49 | 1361337.51 |
| 63 | 2030-09 | 41575.57 | 2949.56 | 38626.00 | 1322711.51 |
| 64 | 2030-10 | 41575.57 | 2865.87 | 38709.69 | 1284001.82 |
| 65 | 2030-11 | 41575.57 | 2782.00 | 38793.56 | 1245208.25 |
| 66 | 2030-12 | 41575.57 | 2697.95 | 38877.62 | 1206330.64 |
| 67 | 2031-01 | 41575.57 | 2613.72 | 38961.85 | 1167368.79 |
| 68 | 2031-02 | 41575.57 | 2529.30 | 39046.27 | 1128322.52 |
| 69 | 2031-03 | 41575.57 | 2444.70 | 39130.87 | 1089191.65 |
| 70 | 2031-04 | 41575.57 | 2359.92 | 39215.65 | 1049976.00 |
| 71 | 2031-05 | 41575.57 | 2274.95 | 39300.62 | 1010675.38 |
| 72 | 2031-06 | 41575.57 | 2189.80 | 39385.77 | 971289.61 |
| 73 | 2031-07 | 41575.57 | 2104.46 | 39471.11 | 931818.50 |
| 74 | 2031-08 | 41575.57 | 2018.94 | 39556.63 | 892261.88 |
| 75 | 2031-09 | 41575.57 | 1933.23 | 39642.33 | 852619.54 |
| 76 | 2031-10 | 41575.57 | 1847.34 | 39728.22 | 812891.32 |
| 77 | 2031-11 | 41575.57 | 1761.26 | 39814.30 | 773077.02 |
| 78 | 2031-12 | 41575.57 | 1675.00 | 39900.57 | 733176.45 |
| 79 | 2032-01 | 41575.57 | 1588.55 | 39987.02 | 693189.43 |
| 80 | 2032-02 | 41575.57 | 1501.91 | 40073.66 | 653115.78 |
| 81 | 2032-03 | 41575.57 | 1415.08 | 40160.48 | 612955.29 |
| 82 | 2032-04 | 41575.57 | 1328.07 | 40247.50 | 572707.80 |
| 83 | 2032-05 | 41575.57 | 1240.87 | 40334.70 | 532373.10 |
| 84 | 2032-06 | 41575.57 | 1153.48 | 40422.09 | 491951.00 |
| 85 | 2032-07 | 41575.57 | 1065.89 | 40509.67 | 451441.33 |
| 86 | 2032-08 | 41575.57 | 978.12 | 40597.44 | 410843.89 |
| 87 | 2032-09 | 41575.57 | 890.16 | 40685.41 | 370158.48 |
| 88 | 2032-10 | 41575.57 | 802.01 | 40773.56 | 329384.92 |
| 89 | 2032-11 | 41575.57 | 713.67 | 40861.90 | 288523.02 |
| 90 | 2032-12 | 41575.57 | 625.13 | 40950.43 | 247572.59 |
| 91 | 2033-01 | 41575.57 | 536.41 | 41039.16 | 206533.43 |
| 92 | 2033-02 | 41575.57 | 447.49 | 41128.08 | 165405.35 |
| 93 | 2033-03 | 41575.57 | 358.38 | 41217.19 | 124188.16 |
| 94 | 2033-04 | 41575.57 | 269.07 | 41306.49 | 82881.67 |
| 95 | 2033-05 | 41575.57 | 179.58 | 41395.99 | 41485.68 |
| 96 | 2033-06 | 41575.57 | 89.89 | 41485.68 | 0.00 |
等额本金还款方式：
贷款总额：360万
还款月数：8年
首月还款：45300元
每月递减：81.25元
利息总额：37.83万
本息合计：397.83万
节省利息：12954.43元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 45300.00 | 7800.00 | 37500.00 | 3562500.00 |
| 2 | 2025-08 | 45218.75 | 7718.75 | 37500.00 | 3525000.00 |
| 3 | 2025-09 | 45137.50 | 7637.50 | 37500.00 | 3487500.00 |
| 4 | 2025-10 | 45056.25 | 7556.25 | 37500.00 | 3450000.00 |
| 5 | 2025-11 | 44975.00 | 7475.00 | 37500.00 | 3412500.00 |
| 6 | 2025-12 | 44893.75 | 7393.75 | 37500.00 | 3375000.00 |
| 7 | 2026-01 | 44812.50 | 7312.50 | 37500.00 | 3337500.00 |
| 8 | 2026-02 | 44731.25 | 7231.25 | 37500.00 | 3300000.00 |
| 9 | 2026-03 | 44650.00 | 7150.00 | 37500.00 | 3262500.00 |
| 10 | 2026-04 | 44568.75 | 7068.75 | 37500.00 | 3225000.00 |
| 11 | 2026-05 | 44487.50 | 6987.50 | 37500.00 | 3187500.00 |
| 12 | 2026-06 | 44406.25 | 6906.25 | 37500.00 | 3150000.00 |
| 13 | 2026-07 | 44325.00 | 6825.00 | 37500.00 | 3112500.00 |
| 14 | 2026-08 | 44243.75 | 6743.75 | 37500.00 | 3075000.00 |
| 15 | 2026-09 | 44162.50 | 6662.50 | 37500.00 | 3037500.00 |
| 16 | 2026-10 | 44081.25 | 6581.25 | 37500.00 | 3000000.00 |
| 17 | 2026-11 | 44000.00 | 6500.00 | 37500.00 | 2962500.00 |
| 18 | 2026-12 | 43918.75 | 6418.75 | 37500.00 | 2925000.00 |
| 19 | 2027-01 | 43837.50 | 6337.50 | 37500.00 | 2887500.00 |
| 20 | 2027-02 | 43756.25 | 6256.25 | 37500.00 | 2850000.00 |
| 21 | 2027-03 | 43675.00 | 6175.00 | 37500.00 | 2812500.00 |
| 22 | 2027-04 | 43593.75 | 6093.75 | 37500.00 | 2775000.00 |
| 23 | 2027-05 | 43512.50 | 6012.50 | 37500.00 | 2737500.00 |
| 24 | 2027-06 | 43431.25 | 5931.25 | 37500.00 | 2700000.00 |
| 25 | 2027-07 | 43350.00 | 5850.00 | 37500.00 | 2662500.00 |
| 26 | 2027-08 | 43268.75 | 5768.75 | 37500.00 | 2625000.00 |
| 27 | 2027-09 | 43187.50 | 5687.50 | 37500.00 | 2587500.00 |
| 28 | 2027-10 | 43106.25 | 5606.25 | 37500.00 | 2550000.00 |
| 29 | 2027-11 | 43025.00 | 5525.00 | 37500.00 | 2512500.00 |
| 30 | 2027-12 | 42943.75 | 5443.75 | 37500.00 | 2475000.00 |
| 31 | 2028-01 | 42862.50 | 5362.50 | 37500.00 | 2437500.00 |
| 32 | 2028-02 | 42781.25 | 5281.25 | 37500.00 | 2400000.00 |
| 33 | 2028-03 | 42700.00 | 5200.00 | 37500.00 | 2362500.00 |
| 34 | 2028-04 | 42618.75 | 5118.75 | 37500.00 | 2325000.00 |
| 35 | 2028-05 | 42537.50 | 5037.50 | 37500.00 | 2287500.00 |
| 36 | 2028-06 | 42456.25 | 4956.25 | 37500.00 | 2250000.00 |
| 37 | 2028-07 | 42375.00 | 4875.00 | 37500.00 | 2212500.00 |
| 38 | 2028-08 | 42293.75 | 4793.75 | 37500.00 | 2175000.00 |
| 39 | 2028-09 | 42212.50 | 4712.50 | 37500.00 | 2137500.00 |
| 40 | 2028-10 | 42131.25 | 4631.25 | 37500.00 | 2100000.00 |
| 41 | 2028-11 | 42050.00 | 4550.00 | 37500.00 | 2062500.00 |
| 42 | 2028-12 | 41968.75 | 4468.75 | 37500.00 | 2025000.00 |
| 43 | 2029-01 | 41887.50 | 4387.50 | 37500.00 | 1987500.00 |
| 44 | 2029-02 | 41806.25 | 4306.25 | 37500.00 | 1950000.00 |
| 45 | 2029-03 | 41725.00 | 4225.00 | 37500.00 | 1912500.00 |
| 46 | 2029-04 | 41643.75 | 4143.75 | 37500.00 | 1875000.00 |
| 47 | 2029-05 | 41562.50 | 4062.50 | 37500.00 | 1837500.00 |
| 48 | 2029-06 | 41481.25 | 3981.25 | 37500.00 | 1800000.00 |
| 49 | 2029-07 | 41400.00 | 3900.00 | 37500.00 | 1762500.00 |
| 50 | 2029-08 | 41318.75 | 3818.75 | 37500.00 | 1725000.00 |
| 51 | 2029-09 | 41237.50 | 3737.50 | 37500.00 | 1687500.00 |
| 52 | 2029-10 | 41156.25 | 3656.25 | 37500.00 | 1650000.00 |
| 53 | 2029-11 | 41075.00 | 3575.00 | 37500.00 | 1612500.00 |
| 54 | 2029-12 | 40993.75 | 3493.75 | 37500.00 | 1575000.00 |
| 55 | 2030-01 | 40912.50 | 3412.50 | 37500.00 | 1537500.00 |
| 56 | 2030-02 | 40831.25 | 3331.25 | 37500.00 | 1500000.00 |
| 57 | 2030-03 | 40750.00 | 3250.00 | 37500.00 | 1462500.00 |
| 58 | 2030-04 | 40668.75 | 3168.75 | 37500.00 | 1425000.00 |
| 59 | 2030-05 | 40587.50 | 3087.50 | 37500.00 | 1387500.00 |
| 60 | 2030-06 | 40506.25 | 3006.25 | 37500.00 | 1350000.00 |
| 61 | 2030-07 | 40425.00 | 2925.00 | 37500.00 | 1312500.00 |
| 62 | 2030-08 | 40343.75 | 2843.75 | 37500.00 | 1275000.00 |
| 63 | 2030-09 | 40262.50 | 2762.50 | 37500.00 | 1237500.00 |
| 64 | 2030-10 | 40181.25 | 2681.25 | 37500.00 | 1200000.00 |
| 65 | 2030-11 | 40100.00 | 2600.00 | 37500.00 | 1162500.00 |
| 66 | 2030-12 | 40018.75 | 2518.75 | 37500.00 | 1125000.00 |
| 67 | 2031-01 | 39937.50 | 2437.50 | 37500.00 | 1087500.00 |
| 68 | 2031-02 | 39856.25 | 2356.25 | 37500.00 | 1050000.00 |
| 69 | 2031-03 | 39775.00 | 2275.00 | 37500.00 | 1012500.00 |
| 70 | 2031-04 | 39693.75 | 2193.75 | 37500.00 | 975000.00 |
| 71 | 2031-05 | 39612.50 | 2112.50 | 37500.00 | 937500.00 |
| 72 | 2031-06 | 39531.25 | 2031.25 | 37500.00 | 900000.00 |
| 73 | 2031-07 | 39450.00 | 1950.00 | 37500.00 | 862500.00 |
| 74 | 2031-08 | 39368.75 | 1868.75 | 37500.00 | 825000.00 |
| 75 | 2031-09 | 39287.50 | 1787.50 | 37500.00 | 787500.00 |
| 76 | 2031-10 | 39206.25 | 1706.25 | 37500.00 | 750000.00 |
| 77 | 2031-11 | 39125.00 | 1625.00 | 37500.00 | 712500.00 |
| 78 | 2031-12 | 39043.75 | 1543.75 | 37500.00 | 675000.00 |
| 79 | 2032-01 | 38962.50 | 1462.50 | 37500.00 | 637500.00 |
| 80 | 2032-02 | 38881.25 | 1381.25 | 37500.00 | 600000.00 |
| 81 | 2032-03 | 38800.00 | 1300.00 | 37500.00 | 562500.00 |
| 82 | 2032-04 | 38718.75 | 1218.75 | 37500.00 | 525000.00 |
| 83 | 2032-05 | 38637.50 | 1137.50 | 37500.00 | 487500.00 |
| 84 | 2032-06 | 38556.25 | 1056.25 | 37500.00 | 450000.00 |
| 85 | 2032-07 | 38475.00 | 975.00 | 37500.00 | 412500.00 |
| 86 | 2032-08 | 38393.75 | 893.75 | 37500.00 | 375000.00 |
| 87 | 2032-09 | 38312.50 | 812.50 | 37500.00 | 337500.00 |
| 88 | 2032-10 | 38231.25 | 731.25 | 37500.00 | 300000.00 |
| 89 | 2032-11 | 38150.00 | 650.00 | 37500.00 | 262500.00 |
| 90 | 2032-12 | 38068.75 | 568.75 | 37500.00 | 225000.00 |
| 91 | 2033-01 | 37987.50 | 487.50 | 37500.00 | 187500.00 |
| 92 | 2033-02 | 37906.25 | 406.25 | 37500.00 | 150000.00 |
| 93 | 2033-03 | 37825.00 | 325.00 | 37500.00 | 112500.00 |
| 94 | 2033-04 | 37743.75 | 243.75 | 37500.00 | 75000.00 |
| 95 | 2033-05 | 37662.50 | 162.50 | 37500.00 | 37500.00 |
| 96 | 2033-06 | 37581.25 | 81.25 | 37500.00 | 0.00 |