贷款36万（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：36万
还款月数：8年
每月还款：4157.56元
利息总额：3.91万
本息合计：39.91万
| 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 | 4157.56 | 780.00 | 3377.56 | 356622.44 |
| 2 | 2025-08 | 4157.56 | 772.68 | 3384.87 | 353237.57 |
| 3 | 2025-09 | 4157.56 | 765.35 | 3392.21 | 349845.36 |
| 4 | 2025-10 | 4157.56 | 758.00 | 3399.56 | 346445.80 |
| 5 | 2025-11 | 4157.56 | 750.63 | 3406.92 | 343038.88 |
| 6 | 2025-12 | 4157.56 | 743.25 | 3414.31 | 339624.57 |
| 7 | 2026-01 | 4157.56 | 735.85 | 3421.70 | 336202.87 |
| 8 | 2026-02 | 4157.56 | 728.44 | 3429.12 | 332773.75 |
| 9 | 2026-03 | 4157.56 | 721.01 | 3436.55 | 329337.20 |
| 10 | 2026-04 | 4157.56 | 713.56 | 3443.99 | 325893.21 |
| 11 | 2026-05 | 4157.56 | 706.10 | 3451.45 | 322441.76 |
| 12 | 2026-06 | 4157.56 | 698.62 | 3458.93 | 318982.82 |
| 13 | 2026-07 | 4157.56 | 691.13 | 3466.43 | 315516.40 |
| 14 | 2026-08 | 4157.56 | 683.62 | 3473.94 | 312042.46 |
| 15 | 2026-09 | 4157.56 | 676.09 | 3481.46 | 308560.99 |
| 16 | 2026-10 | 4157.56 | 668.55 | 3489.01 | 305071.99 |
| 17 | 2026-11 | 4157.56 | 660.99 | 3496.57 | 301575.42 |
| 18 | 2026-12 | 4157.56 | 653.41 | 3504.14 | 298071.28 |
| 19 | 2027-01 | 4157.56 | 645.82 | 3511.74 | 294559.54 |
| 20 | 2027-02 | 4157.56 | 638.21 | 3519.34 | 291040.20 |
| 21 | 2027-03 | 4157.56 | 630.59 | 3526.97 | 287513.23 |
| 22 | 2027-04 | 4157.56 | 622.95 | 3534.61 | 283978.61 |
| 23 | 2027-05 | 4157.56 | 615.29 | 3542.27 | 280436.34 |
| 24 | 2027-06 | 4157.56 | 607.61 | 3549.94 | 276886.40 |
| 25 | 2027-07 | 4157.56 | 599.92 | 3557.64 | 273328.76 |
| 26 | 2027-08 | 4157.56 | 592.21 | 3565.34 | 269763.42 |
| 27 | 2027-09 | 4157.56 | 584.49 | 3573.07 | 266190.35 |
| 28 | 2027-10 | 4157.56 | 576.75 | 3580.81 | 262609.54 |
| 29 | 2027-11 | 4157.56 | 568.99 | 3588.57 | 259020.97 |
| 30 | 2027-12 | 4157.56 | 561.21 | 3596.34 | 255424.63 |
| 31 | 2028-01 | 4157.56 | 553.42 | 3604.14 | 251820.49 |
| 32 | 2028-02 | 4157.56 | 545.61 | 3611.95 | 248208.54 |
| 33 | 2028-03 | 4157.56 | 537.79 | 3619.77 | 244588.77 |
| 34 | 2028-04 | 4157.56 | 529.94 | 3627.61 | 240961.16 |
| 35 | 2028-05 | 4157.56 | 522.08 | 3635.47 | 237325.68 |
| 36 | 2028-06 | 4157.56 | 514.21 | 3643.35 | 233682.33 |
| 37 | 2028-07 | 4157.56 | 506.31 | 3651.24 | 230031.09 |
| 38 | 2028-08 | 4157.56 | 498.40 | 3659.16 | 226371.93 |
| 39 | 2028-09 | 4157.56 | 490.47 | 3667.08 | 222704.85 |
| 40 | 2028-10 | 4157.56 | 482.53 | 3675.03 | 219029.82 |
| 41 | 2028-11 | 4157.56 | 474.56 | 3682.99 | 215346.82 |
| 42 | 2028-12 | 4157.56 | 466.58 | 3690.97 | 211655.85 |
| 43 | 2029-01 | 4157.56 | 458.59 | 3698.97 | 207956.88 |
| 44 | 2029-02 | 4157.56 | 450.57 | 3706.98 | 204249.90 |
| 45 | 2029-03 | 4157.56 | 442.54 | 3715.02 | 200534.89 |
| 46 | 2029-04 | 4157.56 | 434.49 | 3723.06 | 196811.82 |
| 47 | 2029-05 | 4157.56 | 426.43 | 3731.13 | 193080.69 |
| 48 | 2029-06 | 4157.56 | 418.34 | 3739.22 | 189341.47 |
| 49 | 2029-07 | 4157.56 | 410.24 | 3747.32 | 185594.16 |
| 50 | 2029-08 | 4157.56 | 402.12 | 3755.44 | 181838.72 |
| 51 | 2029-09 | 4157.56 | 393.98 | 3763.57 | 178075.15 |
| 52 | 2029-10 | 4157.56 | 385.83 | 3771.73 | 174303.42 |
| 53 | 2029-11 | 4157.56 | 377.66 | 3779.90 | 170523.52 |
| 54 | 2029-12 | 4157.56 | 369.47 | 3788.09 | 166735.43 |
| 55 | 2030-01 | 4157.56 | 361.26 | 3796.30 | 162939.14 |
| 56 | 2030-02 | 4157.56 | 353.03 | 3804.52 | 159134.61 |
| 57 | 2030-03 | 4157.56 | 344.79 | 3812.77 | 155321.85 |
| 58 | 2030-04 | 4157.56 | 336.53 | 3821.03 | 151500.82 |
| 59 | 2030-05 | 4157.56 | 328.25 | 3829.30 | 147671.52 |
| 60 | 2030-06 | 4157.56 | 319.95 | 3837.60 | 143833.92 |
| 61 | 2030-07 | 4157.56 | 311.64 | 3845.92 | 139988.00 |
| 62 | 2030-08 | 4157.56 | 303.31 | 3854.25 | 136133.75 |
| 63 | 2030-09 | 4157.56 | 294.96 | 3862.60 | 132271.15 |
| 64 | 2030-10 | 4157.56 | 286.59 | 3870.97 | 128400.18 |
| 65 | 2030-11 | 4157.56 | 278.20 | 3879.36 | 124520.83 |
| 66 | 2030-12 | 4157.56 | 269.80 | 3887.76 | 120633.06 |
| 67 | 2031-01 | 4157.56 | 261.37 | 3896.19 | 116736.88 |
| 68 | 2031-02 | 4157.56 | 252.93 | 3904.63 | 112832.25 |
| 69 | 2031-03 | 4157.56 | 244.47 | 3913.09 | 108919.17 |
| 70 | 2031-04 | 4157.56 | 235.99 | 3921.57 | 104997.60 |
| 71 | 2031-05 | 4157.56 | 227.49 | 3930.06 | 101067.54 |
| 72 | 2031-06 | 4157.56 | 218.98 | 3938.58 | 97128.96 |
| 73 | 2031-07 | 4157.56 | 210.45 | 3947.11 | 93181.85 |
| 74 | 2031-08 | 4157.56 | 201.89 | 3955.66 | 89226.19 |
| 75 | 2031-09 | 4157.56 | 193.32 | 3964.23 | 85261.95 |
| 76 | 2031-10 | 4157.56 | 184.73 | 3972.82 | 81289.13 |
| 77 | 2031-11 | 4157.56 | 176.13 | 3981.43 | 77307.70 |
| 78 | 2031-12 | 4157.56 | 167.50 | 3990.06 | 73317.65 |
| 79 | 2032-01 | 4157.56 | 158.85 | 3998.70 | 69318.94 |
| 80 | 2032-02 | 4157.56 | 150.19 | 4007.37 | 65311.58 |
| 81 | 2032-03 | 4157.56 | 141.51 | 4016.05 | 61295.53 |
| 82 | 2032-04 | 4157.56 | 132.81 | 4024.75 | 57270.78 |
| 83 | 2032-05 | 4157.56 | 124.09 | 4033.47 | 53237.31 |
| 84 | 2032-06 | 4157.56 | 115.35 | 4042.21 | 49195.10 |
| 85 | 2032-07 | 4157.56 | 106.59 | 4050.97 | 45144.13 |
| 86 | 2032-08 | 4157.56 | 97.81 | 4059.74 | 41084.39 |
| 87 | 2032-09 | 4157.56 | 89.02 | 4068.54 | 37015.85 |
| 88 | 2032-10 | 4157.56 | 80.20 | 4077.36 | 32938.49 |
| 89 | 2032-11 | 4157.56 | 71.37 | 4086.19 | 28852.30 |
| 90 | 2032-12 | 4157.56 | 62.51 | 4095.04 | 24757.26 |
| 91 | 2033-01 | 4157.56 | 53.64 | 4103.92 | 20653.34 |
| 92 | 2033-02 | 4157.56 | 44.75 | 4112.81 | 16540.54 |
| 93 | 2033-03 | 4157.56 | 35.84 | 4121.72 | 12418.82 |
| 94 | 2033-04 | 4157.56 | 26.91 | 4130.65 | 8288.17 |
| 95 | 2033-05 | 4157.56 | 17.96 | 4139.60 | 4148.57 |
| 96 | 2033-06 | 4157.56 | 8.99 | 4148.57 | 0.00 |
等额本金还款方式：
贷款总额：36万
还款月数：8年
首月还款：4530元
每月递减：8.13元
利息总额：3.78万
本息合计：39.78万
节省利息：1295.44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 | 4530.00 | 780.00 | 3750.00 | 356250.00 |
| 2 | 2025-08 | 4521.88 | 771.88 | 3750.00 | 352500.00 |
| 3 | 2025-09 | 4513.75 | 763.75 | 3750.00 | 348750.00 |
| 4 | 2025-10 | 4505.63 | 755.63 | 3750.00 | 345000.00 |
| 5 | 2025-11 | 4497.50 | 747.50 | 3750.00 | 341250.00 |
| 6 | 2025-12 | 4489.38 | 739.38 | 3750.00 | 337500.00 |
| 7 | 2026-01 | 4481.25 | 731.25 | 3750.00 | 333750.00 |
| 8 | 2026-02 | 4473.13 | 723.13 | 3750.00 | 330000.00 |
| 9 | 2026-03 | 4465.00 | 715.00 | 3750.00 | 326250.00 |
| 10 | 2026-04 | 4456.88 | 706.88 | 3750.00 | 322500.00 |
| 11 | 2026-05 | 4448.75 | 698.75 | 3750.00 | 318750.00 |
| 12 | 2026-06 | 4440.63 | 690.63 | 3750.00 | 315000.00 |
| 13 | 2026-07 | 4432.50 | 682.50 | 3750.00 | 311250.00 |
| 14 | 2026-08 | 4424.38 | 674.38 | 3750.00 | 307500.00 |
| 15 | 2026-09 | 4416.25 | 666.25 | 3750.00 | 303750.00 |
| 16 | 2026-10 | 4408.13 | 658.13 | 3750.00 | 300000.00 |
| 17 | 2026-11 | 4400.00 | 650.00 | 3750.00 | 296250.00 |
| 18 | 2026-12 | 4391.88 | 641.88 | 3750.00 | 292500.00 |
| 19 | 2027-01 | 4383.75 | 633.75 | 3750.00 | 288750.00 |
| 20 | 2027-02 | 4375.63 | 625.63 | 3750.00 | 285000.00 |
| 21 | 2027-03 | 4367.50 | 617.50 | 3750.00 | 281250.00 |
| 22 | 2027-04 | 4359.38 | 609.38 | 3750.00 | 277500.00 |
| 23 | 2027-05 | 4351.25 | 601.25 | 3750.00 | 273750.00 |
| 24 | 2027-06 | 4343.13 | 593.13 | 3750.00 | 270000.00 |
| 25 | 2027-07 | 4335.00 | 585.00 | 3750.00 | 266250.00 |
| 26 | 2027-08 | 4326.88 | 576.88 | 3750.00 | 262500.00 |
| 27 | 2027-09 | 4318.75 | 568.75 | 3750.00 | 258750.00 |
| 28 | 2027-10 | 4310.63 | 560.63 | 3750.00 | 255000.00 |
| 29 | 2027-11 | 4302.50 | 552.50 | 3750.00 | 251250.00 |
| 30 | 2027-12 | 4294.38 | 544.38 | 3750.00 | 247500.00 |
| 31 | 2028-01 | 4286.25 | 536.25 | 3750.00 | 243750.00 |
| 32 | 2028-02 | 4278.13 | 528.13 | 3750.00 | 240000.00 |
| 33 | 2028-03 | 4270.00 | 520.00 | 3750.00 | 236250.00 |
| 34 | 2028-04 | 4261.88 | 511.88 | 3750.00 | 232500.00 |
| 35 | 2028-05 | 4253.75 | 503.75 | 3750.00 | 228750.00 |
| 36 | 2028-06 | 4245.63 | 495.63 | 3750.00 | 225000.00 |
| 37 | 2028-07 | 4237.50 | 487.50 | 3750.00 | 221250.00 |
| 38 | 2028-08 | 4229.38 | 479.38 | 3750.00 | 217500.00 |
| 39 | 2028-09 | 4221.25 | 471.25 | 3750.00 | 213750.00 |
| 40 | 2028-10 | 4213.13 | 463.13 | 3750.00 | 210000.00 |
| 41 | 2028-11 | 4205.00 | 455.00 | 3750.00 | 206250.00 |
| 42 | 2028-12 | 4196.88 | 446.88 | 3750.00 | 202500.00 |
| 43 | 2029-01 | 4188.75 | 438.75 | 3750.00 | 198750.00 |
| 44 | 2029-02 | 4180.63 | 430.63 | 3750.00 | 195000.00 |
| 45 | 2029-03 | 4172.50 | 422.50 | 3750.00 | 191250.00 |
| 46 | 2029-04 | 4164.38 | 414.38 | 3750.00 | 187500.00 |
| 47 | 2029-05 | 4156.25 | 406.25 | 3750.00 | 183750.00 |
| 48 | 2029-06 | 4148.13 | 398.13 | 3750.00 | 180000.00 |
| 49 | 2029-07 | 4140.00 | 390.00 | 3750.00 | 176250.00 |
| 50 | 2029-08 | 4131.88 | 381.88 | 3750.00 | 172500.00 |
| 51 | 2029-09 | 4123.75 | 373.75 | 3750.00 | 168750.00 |
| 52 | 2029-10 | 4115.63 | 365.63 | 3750.00 | 165000.00 |
| 53 | 2029-11 | 4107.50 | 357.50 | 3750.00 | 161250.00 |
| 54 | 2029-12 | 4099.38 | 349.38 | 3750.00 | 157500.00 |
| 55 | 2030-01 | 4091.25 | 341.25 | 3750.00 | 153750.00 |
| 56 | 2030-02 | 4083.13 | 333.13 | 3750.00 | 150000.00 |
| 57 | 2030-03 | 4075.00 | 325.00 | 3750.00 | 146250.00 |
| 58 | 2030-04 | 4066.88 | 316.88 | 3750.00 | 142500.00 |
| 59 | 2030-05 | 4058.75 | 308.75 | 3750.00 | 138750.00 |
| 60 | 2030-06 | 4050.63 | 300.63 | 3750.00 | 135000.00 |
| 61 | 2030-07 | 4042.50 | 292.50 | 3750.00 | 131250.00 |
| 62 | 2030-08 | 4034.38 | 284.38 | 3750.00 | 127500.00 |
| 63 | 2030-09 | 4026.25 | 276.25 | 3750.00 | 123750.00 |
| 64 | 2030-10 | 4018.13 | 268.13 | 3750.00 | 120000.00 |
| 65 | 2030-11 | 4010.00 | 260.00 | 3750.00 | 116250.00 |
| 66 | 2030-12 | 4001.88 | 251.88 | 3750.00 | 112500.00 |
| 67 | 2031-01 | 3993.75 | 243.75 | 3750.00 | 108750.00 |
| 68 | 2031-02 | 3985.63 | 235.63 | 3750.00 | 105000.00 |
| 69 | 2031-03 | 3977.50 | 227.50 | 3750.00 | 101250.00 |
| 70 | 2031-04 | 3969.38 | 219.38 | 3750.00 | 97500.00 |
| 71 | 2031-05 | 3961.25 | 211.25 | 3750.00 | 93750.00 |
| 72 | 2031-06 | 3953.13 | 203.13 | 3750.00 | 90000.00 |
| 73 | 2031-07 | 3945.00 | 195.00 | 3750.00 | 86250.00 |
| 74 | 2031-08 | 3936.88 | 186.88 | 3750.00 | 82500.00 |
| 75 | 2031-09 | 3928.75 | 178.75 | 3750.00 | 78750.00 |
| 76 | 2031-10 | 3920.63 | 170.63 | 3750.00 | 75000.00 |
| 77 | 2031-11 | 3912.50 | 162.50 | 3750.00 | 71250.00 |
| 78 | 2031-12 | 3904.38 | 154.38 | 3750.00 | 67500.00 |
| 79 | 2032-01 | 3896.25 | 146.25 | 3750.00 | 63750.00 |
| 80 | 2032-02 | 3888.13 | 138.13 | 3750.00 | 60000.00 |
| 81 | 2032-03 | 3880.00 | 130.00 | 3750.00 | 56250.00 |
| 82 | 2032-04 | 3871.88 | 121.88 | 3750.00 | 52500.00 |
| 83 | 2032-05 | 3863.75 | 113.75 | 3750.00 | 48750.00 |
| 84 | 2032-06 | 3855.63 | 105.63 | 3750.00 | 45000.00 |
| 85 | 2032-07 | 3847.50 | 97.50 | 3750.00 | 41250.00 |
| 86 | 2032-08 | 3839.38 | 89.38 | 3750.00 | 37500.00 |
| 87 | 2032-09 | 3831.25 | 81.25 | 3750.00 | 33750.00 |
| 88 | 2032-10 | 3823.13 | 73.13 | 3750.00 | 30000.00 |
| 89 | 2032-11 | 3815.00 | 65.00 | 3750.00 | 26250.00 |
| 90 | 2032-12 | 3806.88 | 56.88 | 3750.00 | 22500.00 |
| 91 | 2033-01 | 3798.75 | 48.75 | 3750.00 | 18750.00 |
| 92 | 2033-02 | 3790.63 | 40.63 | 3750.00 | 15000.00 |
| 93 | 2033-03 | 3782.50 | 32.50 | 3750.00 | 11250.00 |
| 94 | 2033-04 | 3774.38 | 24.38 | 3750.00 | 7500.00 |
| 95 | 2033-05 | 3766.25 | 16.25 | 3750.00 | 3750.00 |
| 96 | 2033-06 | 3758.13 | 8.13 | 3750.00 | 0.00 |