贷款8万（公积金贷款）房贷，还款5年5个月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：8万
还款月数：5年5个月
每月还款：1329.67元
利息总额：6428.59元
本息合计：8.64万
| 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 | 1329.67 | 190.00 | 1139.67 | 78860.33 |
| 2 | 2025-08 | 1329.67 | 187.29 | 1142.38 | 77717.95 |
| 3 | 2025-09 | 1329.67 | 184.58 | 1145.09 | 76572.86 |
| 4 | 2025-10 | 1329.67 | 181.86 | 1147.81 | 75425.05 |
| 5 | 2025-11 | 1329.67 | 179.13 | 1150.54 | 74274.52 |
| 6 | 2025-12 | 1329.67 | 176.40 | 1153.27 | 73121.25 |
| 7 | 2026-01 | 1329.67 | 173.66 | 1156.01 | 71965.24 |
| 8 | 2026-02 | 1329.67 | 170.92 | 1158.75 | 70806.49 |
| 9 | 2026-03 | 1329.67 | 168.17 | 1161.51 | 69644.98 |
| 10 | 2026-04 | 1329.67 | 165.41 | 1164.26 | 68480.72 |
| 11 | 2026-05 | 1329.67 | 162.64 | 1167.03 | 67313.69 |
| 12 | 2026-06 | 1329.67 | 159.87 | 1169.80 | 66143.89 |
| 13 | 2026-07 | 1329.67 | 157.09 | 1172.58 | 64971.31 |
| 14 | 2026-08 | 1329.67 | 154.31 | 1175.36 | 63795.95 |
| 15 | 2026-09 | 1329.67 | 151.52 | 1178.16 | 62617.79 |
| 16 | 2026-10 | 1329.67 | 148.72 | 1180.95 | 61436.84 |
| 17 | 2026-11 | 1329.67 | 145.91 | 1183.76 | 60253.08 |
| 18 | 2026-12 | 1329.67 | 143.10 | 1186.57 | 59066.51 |
| 19 | 2027-01 | 1329.67 | 140.28 | 1189.39 | 57877.12 |
| 20 | 2027-02 | 1329.67 | 137.46 | 1192.21 | 56684.91 |
| 21 | 2027-03 | 1329.67 | 134.63 | 1195.04 | 55489.86 |
| 22 | 2027-04 | 1329.67 | 131.79 | 1197.88 | 54291.98 |
| 23 | 2027-05 | 1329.67 | 128.94 | 1200.73 | 53091.26 |
| 24 | 2027-06 | 1329.67 | 126.09 | 1203.58 | 51887.68 |
| 25 | 2027-07 | 1329.67 | 123.23 | 1206.44 | 50681.24 |
| 26 | 2027-08 | 1329.67 | 120.37 | 1209.30 | 49471.94 |
| 27 | 2027-09 | 1329.67 | 117.50 | 1212.17 | 48259.76 |
| 28 | 2027-10 | 1329.67 | 114.62 | 1215.05 | 47044.71 |
| 29 | 2027-11 | 1329.67 | 111.73 | 1217.94 | 45826.77 |
| 30 | 2027-12 | 1329.67 | 108.84 | 1220.83 | 44605.94 |
| 31 | 2028-01 | 1329.67 | 105.94 | 1223.73 | 43382.21 |
| 32 | 2028-02 | 1329.67 | 103.03 | 1226.64 | 42155.57 |
| 33 | 2028-03 | 1329.67 | 100.12 | 1229.55 | 40926.02 |
| 34 | 2028-04 | 1329.67 | 97.20 | 1232.47 | 39693.54 |
| 35 | 2028-05 | 1329.67 | 94.27 | 1235.40 | 38458.15 |
| 36 | 2028-06 | 1329.67 | 91.34 | 1238.33 | 37219.81 |
| 37 | 2028-07 | 1329.67 | 88.40 | 1241.27 | 35978.54 |
| 38 | 2028-08 | 1329.67 | 85.45 | 1244.22 | 34734.32 |
| 39 | 2028-09 | 1329.67 | 82.49 | 1247.18 | 33487.14 |
| 40 | 2028-10 | 1329.67 | 79.53 | 1250.14 | 32237.00 |
| 41 | 2028-11 | 1329.67 | 76.56 | 1253.11 | 30983.90 |
| 42 | 2028-12 | 1329.67 | 73.59 | 1256.08 | 29727.81 |
| 43 | 2029-01 | 1329.67 | 70.60 | 1259.07 | 28468.75 |
| 44 | 2029-02 | 1329.67 | 67.61 | 1262.06 | 27206.69 |
| 45 | 2029-03 | 1329.67 | 64.62 | 1265.05 | 25941.63 |
| 46 | 2029-04 | 1329.67 | 61.61 | 1268.06 | 24673.57 |
| 47 | 2029-05 | 1329.67 | 58.60 | 1271.07 | 23402.50 |
| 48 | 2029-06 | 1329.67 | 55.58 | 1274.09 | 22128.41 |
| 49 | 2029-07 | 1329.67 | 52.55 | 1277.12 | 20851.30 |
| 50 | 2029-08 | 1329.67 | 49.52 | 1280.15 | 19571.15 |
| 51 | 2029-09 | 1329.67 | 46.48 | 1283.19 | 18287.96 |
| 52 | 2029-10 | 1329.67 | 43.43 | 1286.24 | 17001.72 |
| 53 | 2029-11 | 1329.67 | 40.38 | 1289.29 | 15712.43 |
| 54 | 2029-12 | 1329.67 | 37.32 | 1292.35 | 14420.08 |
| 55 | 2030-01 | 1329.67 | 34.25 | 1295.42 | 13124.66 |
| 56 | 2030-02 | 1329.67 | 31.17 | 1298.50 | 11826.16 |
| 57 | 2030-03 | 1329.67 | 28.09 | 1301.58 | 10524.57 |
| 58 | 2030-04 | 1329.67 | 25.00 | 1304.67 | 9219.90 |
| 59 | 2030-05 | 1329.67 | 21.90 | 1307.77 | 7912.12 |
| 60 | 2030-06 | 1329.67 | 18.79 | 1310.88 | 6601.24 |
| 61 | 2030-07 | 1329.67 | 15.68 | 1313.99 | 5287.25 |
| 62 | 2030-08 | 1329.67 | 12.56 | 1317.11 | 3970.14 |
| 63 | 2030-09 | 1329.67 | 9.43 | 1320.24 | 2649.90 |
| 64 | 2030-10 | 1329.67 | 6.29 | 1323.38 | 1326.52 |
| 65 | 2030-11 | 1329.67 | 3.15 | 1326.52 | 0.00 |
等额本金还款方式：
贷款总额：8万
还款月数：5年5个月
首月还款：1420.77元
每月递减：2.92元
利息总额：6270元
本息合计：8.63万
节省利息：158.59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 | 1420.77 | 190.00 | 1230.77 | 78769.23 |
| 2 | 2025-08 | 1417.85 | 187.08 | 1230.77 | 77538.46 |
| 3 | 2025-09 | 1414.92 | 184.15 | 1230.77 | 76307.69 |
| 4 | 2025-10 | 1412.00 | 181.23 | 1230.77 | 75076.92 |
| 5 | 2025-11 | 1409.08 | 178.31 | 1230.77 | 73846.15 |
| 6 | 2025-12 | 1406.15 | 175.38 | 1230.77 | 72615.38 |
| 7 | 2026-01 | 1403.23 | 172.46 | 1230.77 | 71384.62 |
| 8 | 2026-02 | 1400.31 | 169.54 | 1230.77 | 70153.85 |
| 9 | 2026-03 | 1397.38 | 166.62 | 1230.77 | 68923.08 |
| 10 | 2026-04 | 1394.46 | 163.69 | 1230.77 | 67692.31 |
| 11 | 2026-05 | 1391.54 | 160.77 | 1230.77 | 66461.54 |
| 12 | 2026-06 | 1388.62 | 157.85 | 1230.77 | 65230.77 |
| 13 | 2026-07 | 1385.69 | 154.92 | 1230.77 | 64000.00 |
| 14 | 2026-08 | 1382.77 | 152.00 | 1230.77 | 62769.23 |
| 15 | 2026-09 | 1379.85 | 149.08 | 1230.77 | 61538.46 |
| 16 | 2026-10 | 1376.92 | 146.15 | 1230.77 | 60307.69 |
| 17 | 2026-11 | 1374.00 | 143.23 | 1230.77 | 59076.92 |
| 18 | 2026-12 | 1371.08 | 140.31 | 1230.77 | 57846.15 |
| 19 | 2027-01 | 1368.15 | 137.38 | 1230.77 | 56615.38 |
| 20 | 2027-02 | 1365.23 | 134.46 | 1230.77 | 55384.62 |
| 21 | 2027-03 | 1362.31 | 131.54 | 1230.77 | 54153.85 |
| 22 | 2027-04 | 1359.38 | 128.62 | 1230.77 | 52923.08 |
| 23 | 2027-05 | 1356.46 | 125.69 | 1230.77 | 51692.31 |
| 24 | 2027-06 | 1353.54 | 122.77 | 1230.77 | 50461.54 |
| 25 | 2027-07 | 1350.62 | 119.85 | 1230.77 | 49230.77 |
| 26 | 2027-08 | 1347.69 | 116.92 | 1230.77 | 48000.00 |
| 27 | 2027-09 | 1344.77 | 114.00 | 1230.77 | 46769.23 |
| 28 | 2027-10 | 1341.85 | 111.08 | 1230.77 | 45538.46 |
| 29 | 2027-11 | 1338.92 | 108.15 | 1230.77 | 44307.69 |
| 30 | 2027-12 | 1336.00 | 105.23 | 1230.77 | 43076.92 |
| 31 | 2028-01 | 1333.08 | 102.31 | 1230.77 | 41846.15 |
| 32 | 2028-02 | 1330.15 | 99.38 | 1230.77 | 40615.38 |
| 33 | 2028-03 | 1327.23 | 96.46 | 1230.77 | 39384.62 |
| 34 | 2028-04 | 1324.31 | 93.54 | 1230.77 | 38153.85 |
| 35 | 2028-05 | 1321.38 | 90.62 | 1230.77 | 36923.08 |
| 36 | 2028-06 | 1318.46 | 87.69 | 1230.77 | 35692.31 |
| 37 | 2028-07 | 1315.54 | 84.77 | 1230.77 | 34461.54 |
| 38 | 2028-08 | 1312.62 | 81.85 | 1230.77 | 33230.77 |
| 39 | 2028-09 | 1309.69 | 78.92 | 1230.77 | 32000.00 |
| 40 | 2028-10 | 1306.77 | 76.00 | 1230.77 | 30769.23 |
| 41 | 2028-11 | 1303.85 | 73.08 | 1230.77 | 29538.46 |
| 42 | 2028-12 | 1300.92 | 70.15 | 1230.77 | 28307.69 |
| 43 | 2029-01 | 1298.00 | 67.23 | 1230.77 | 27076.92 |
| 44 | 2029-02 | 1295.08 | 64.31 | 1230.77 | 25846.15 |
| 45 | 2029-03 | 1292.15 | 61.38 | 1230.77 | 24615.38 |
| 46 | 2029-04 | 1289.23 | 58.46 | 1230.77 | 23384.62 |
| 47 | 2029-05 | 1286.31 | 55.54 | 1230.77 | 22153.85 |
| 48 | 2029-06 | 1283.38 | 52.62 | 1230.77 | 20923.08 |
| 49 | 2029-07 | 1280.46 | 49.69 | 1230.77 | 19692.31 |
| 50 | 2029-08 | 1277.54 | 46.77 | 1230.77 | 18461.54 |
| 51 | 2029-09 | 1274.62 | 43.85 | 1230.77 | 17230.77 |
| 52 | 2029-10 | 1271.69 | 40.92 | 1230.77 | 16000.00 |
| 53 | 2029-11 | 1268.77 | 38.00 | 1230.77 | 14769.23 |
| 54 | 2029-12 | 1265.85 | 35.08 | 1230.77 | 13538.46 |
| 55 | 2030-01 | 1262.92 | 32.15 | 1230.77 | 12307.69 |
| 56 | 2030-02 | 1260.00 | 29.23 | 1230.77 | 11076.92 |
| 57 | 2030-03 | 1257.08 | 26.31 | 1230.77 | 9846.15 |
| 58 | 2030-04 | 1254.15 | 23.38 | 1230.77 | 8615.38 |
| 59 | 2030-05 | 1251.23 | 20.46 | 1230.77 | 7384.62 |
| 60 | 2030-06 | 1248.31 | 17.54 | 1230.77 | 6153.85 |
| 61 | 2030-07 | 1245.38 | 14.62 | 1230.77 | 4923.08 |
| 62 | 2030-08 | 1242.46 | 11.69 | 1230.77 | 3692.31 |
| 63 | 2030-09 | 1239.54 | 8.77 | 1230.77 | 2461.54 |
| 64 | 2030-10 | 1236.62 | 5.85 | 1230.77 | 1230.77 |
| 65 | 2030-11 | 1233.69 | 2.92 | 1230.77 | 0.00 |