广州贷款80万（公积金贷款）房贷，还款6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：80万
还款月数：6年
每月还款：12012.31元
利息总额：6.49万
本息合计：86.49万
| 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 | 12012.31 | 1733.33 | 10278.98 | 789721.02 |
| 2 | 2025-09 | 12012.31 | 1711.06 | 10301.25 | 779419.77 |
| 3 | 2025-10 | 12012.31 | 1688.74 | 10323.57 | 769096.21 |
| 4 | 2025-11 | 12012.31 | 1666.38 | 10345.94 | 758750.27 |
| 5 | 2025-12 | 12012.31 | 1643.96 | 10368.35 | 748381.92 |
| 6 | 2026-01 | 12012.31 | 1621.49 | 10390.82 | 737991.10 |
| 7 | 2026-02 | 12012.31 | 1598.98 | 10413.33 | 727577.78 |
| 8 | 2026-03 | 12012.31 | 1576.42 | 10435.89 | 717141.88 |
| 9 | 2026-04 | 12012.31 | 1553.81 | 10458.50 | 706683.38 |
| 10 | 2026-05 | 12012.31 | 1531.15 | 10481.16 | 696202.22 |
| 11 | 2026-06 | 12012.31 | 1508.44 | 10503.87 | 685698.35 |
| 12 | 2026-07 | 12012.31 | 1485.68 | 10526.63 | 675171.71 |
| 13 | 2026-08 | 12012.31 | 1462.87 | 10549.44 | 664622.28 |
| 14 | 2026-09 | 12012.31 | 1440.01 | 10572.30 | 654049.98 |
| 15 | 2026-10 | 12012.31 | 1417.11 | 10595.20 | 643454.78 |
| 16 | 2026-11 | 12012.31 | 1394.15 | 10618.16 | 632836.62 |
| 17 | 2026-12 | 12012.31 | 1371.15 | 10641.16 | 622195.46 |
| 18 | 2027-01 | 12012.31 | 1348.09 | 10664.22 | 611531.24 |
| 19 | 2027-02 | 12012.31 | 1324.98 | 10687.33 | 600843.91 |
| 20 | 2027-03 | 12012.31 | 1301.83 | 10710.48 | 590133.43 |
| 21 | 2027-04 | 12012.31 | 1278.62 | 10733.69 | 579399.74 |
| 22 | 2027-05 | 12012.31 | 1255.37 | 10756.94 | 568642.80 |
| 23 | 2027-06 | 12012.31 | 1232.06 | 10780.25 | 557862.55 |
| 24 | 2027-07 | 12012.31 | 1208.70 | 10803.61 | 547058.94 |
| 25 | 2027-08 | 12012.31 | 1185.29 | 10827.02 | 536231.92 |
| 26 | 2027-09 | 12012.31 | 1161.84 | 10850.47 | 525381.45 |
| 27 | 2027-10 | 12012.31 | 1138.33 | 10873.98 | 514507.46 |
| 28 | 2027-11 | 12012.31 | 1114.77 | 10897.54 | 503609.92 |
| 29 | 2027-12 | 12012.31 | 1091.15 | 10921.16 | 492688.76 |
| 30 | 2028-01 | 12012.31 | 1067.49 | 10944.82 | 481743.95 |
| 31 | 2028-02 | 12012.31 | 1043.78 | 10968.53 | 470775.41 |
| 32 | 2028-03 | 12012.31 | 1020.01 | 10992.30 | 459783.12 |
| 33 | 2028-04 | 12012.31 | 996.20 | 11016.11 | 448767.00 |
| 34 | 2028-05 | 12012.31 | 972.33 | 11039.98 | 437727.02 |
| 35 | 2028-06 | 12012.31 | 948.41 | 11063.90 | 426663.12 |
| 36 | 2028-07 | 12012.31 | 924.44 | 11087.87 | 415575.25 |
| 37 | 2028-08 | 12012.31 | 900.41 | 11111.90 | 404463.35 |
| 38 | 2028-09 | 12012.31 | 876.34 | 11135.97 | 393327.38 |
| 39 | 2028-10 | 12012.31 | 852.21 | 11160.10 | 382167.27 |
| 40 | 2028-11 | 12012.31 | 828.03 | 11184.28 | 370982.99 |
| 41 | 2028-12 | 12012.31 | 803.80 | 11208.51 | 359774.48 |
| 42 | 2029-01 | 12012.31 | 779.51 | 11232.80 | 348541.68 |
| 43 | 2029-02 | 12012.31 | 755.17 | 11257.14 | 337284.54 |
| 44 | 2029-03 | 12012.31 | 730.78 | 11281.53 | 326003.02 |
| 45 | 2029-04 | 12012.31 | 706.34 | 11305.97 | 314697.05 |
| 46 | 2029-05 | 12012.31 | 681.84 | 11330.47 | 303366.58 |
| 47 | 2029-06 | 12012.31 | 657.29 | 11355.02 | 292011.56 |
| 48 | 2029-07 | 12012.31 | 632.69 | 11379.62 | 280631.94 |
| 49 | 2029-08 | 12012.31 | 608.04 | 11404.27 | 269227.67 |
| 50 | 2029-09 | 12012.31 | 583.33 | 11428.98 | 257798.69 |
| 51 | 2029-10 | 12012.31 | 558.56 | 11453.75 | 246344.94 |
| 52 | 2029-11 | 12012.31 | 533.75 | 11478.56 | 234866.38 |
| 53 | 2029-12 | 12012.31 | 508.88 | 11503.43 | 223362.94 |
| 54 | 2030-01 | 12012.31 | 483.95 | 11528.36 | 211834.59 |
| 55 | 2030-02 | 12012.31 | 458.97 | 11553.34 | 200281.25 |
| 56 | 2030-03 | 12012.31 | 433.94 | 11578.37 | 188702.88 |
| 57 | 2030-04 | 12012.31 | 408.86 | 11603.45 | 177099.43 |
| 58 | 2030-05 | 12012.31 | 383.72 | 11628.59 | 165470.83 |
| 59 | 2030-06 | 12012.31 | 358.52 | 11653.79 | 153817.04 |
| 60 | 2030-07 | 12012.31 | 333.27 | 11679.04 | 142138.00 |
| 61 | 2030-08 | 12012.31 | 307.97 | 11704.34 | 130433.66 |
| 62 | 2030-09 | 12012.31 | 282.61 | 11729.70 | 118703.96 |
| 63 | 2030-10 | 12012.31 | 257.19 | 11755.12 | 106948.84 |
| 64 | 2030-11 | 12012.31 | 231.72 | 11780.59 | 95168.25 |
| 65 | 2030-12 | 12012.31 | 206.20 | 11806.11 | 83362.14 |
| 66 | 2031-01 | 12012.31 | 180.62 | 11831.69 | 71530.44 |
| 67 | 2031-02 | 12012.31 | 154.98 | 11857.33 | 59673.12 |
| 68 | 2031-03 | 12012.31 | 129.29 | 11883.02 | 47790.10 |
| 69 | 2031-04 | 12012.31 | 103.55 | 11908.77 | 35881.33 |
| 70 | 2031-05 | 12012.31 | 77.74 | 11934.57 | 23946.77 |
| 71 | 2031-06 | 12012.31 | 51.88 | 11960.43 | 11986.34 |
| 72 | 2031-07 | 12012.31 | 25.97 | 11986.34 | 0.00 |
等额本金还款方式：
贷款总额：80万
还款月数：6年
首月还款：12844.44元
每月递减：24.07元
利息总额：6.33万
本息合计：86.33万
节省利息：1619.68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 | 12844.44 | 1733.33 | 11111.11 | 788888.89 |
| 2 | 2025-09 | 12820.37 | 1709.26 | 11111.11 | 777777.78 |
| 3 | 2025-10 | 12796.30 | 1685.19 | 11111.11 | 766666.67 |
| 4 | 2025-11 | 12772.22 | 1661.11 | 11111.11 | 755555.56 |
| 5 | 2025-12 | 12748.15 | 1637.04 | 11111.11 | 744444.44 |
| 6 | 2026-01 | 12724.07 | 1612.96 | 11111.11 | 733333.33 |
| 7 | 2026-02 | 12700.00 | 1588.89 | 11111.11 | 722222.22 |
| 8 | 2026-03 | 12675.93 | 1564.81 | 11111.11 | 711111.11 |
| 9 | 2026-04 | 12651.85 | 1540.74 | 11111.11 | 700000.00 |
| 10 | 2026-05 | 12627.78 | 1516.67 | 11111.11 | 688888.89 |
| 11 | 2026-06 | 12603.70 | 1492.59 | 11111.11 | 677777.78 |
| 12 | 2026-07 | 12579.63 | 1468.52 | 11111.11 | 666666.67 |
| 13 | 2026-08 | 12555.56 | 1444.44 | 11111.11 | 655555.56 |
| 14 | 2026-09 | 12531.48 | 1420.37 | 11111.11 | 644444.44 |
| 15 | 2026-10 | 12507.41 | 1396.30 | 11111.11 | 633333.33 |
| 16 | 2026-11 | 12483.33 | 1372.22 | 11111.11 | 622222.22 |
| 17 | 2026-12 | 12459.26 | 1348.15 | 11111.11 | 611111.11 |
| 18 | 2027-01 | 12435.19 | 1324.07 | 11111.11 | 600000.00 |
| 19 | 2027-02 | 12411.11 | 1300.00 | 11111.11 | 588888.89 |
| 20 | 2027-03 | 12387.04 | 1275.93 | 11111.11 | 577777.78 |
| 21 | 2027-04 | 12362.96 | 1251.85 | 11111.11 | 566666.67 |
| 22 | 2027-05 | 12338.89 | 1227.78 | 11111.11 | 555555.56 |
| 23 | 2027-06 | 12314.81 | 1203.70 | 11111.11 | 544444.44 |
| 24 | 2027-07 | 12290.74 | 1179.63 | 11111.11 | 533333.33 |
| 25 | 2027-08 | 12266.67 | 1155.56 | 11111.11 | 522222.22 |
| 26 | 2027-09 | 12242.59 | 1131.48 | 11111.11 | 511111.11 |
| 27 | 2027-10 | 12218.52 | 1107.41 | 11111.11 | 500000.00 |
| 28 | 2027-11 | 12194.44 | 1083.33 | 11111.11 | 488888.89 |
| 29 | 2027-12 | 12170.37 | 1059.26 | 11111.11 | 477777.78 |
| 30 | 2028-01 | 12146.30 | 1035.19 | 11111.11 | 466666.67 |
| 31 | 2028-02 | 12122.22 | 1011.11 | 11111.11 | 455555.56 |
| 32 | 2028-03 | 12098.15 | 987.04 | 11111.11 | 444444.44 |
| 33 | 2028-04 | 12074.07 | 962.96 | 11111.11 | 433333.33 |
| 34 | 2028-05 | 12050.00 | 938.89 | 11111.11 | 422222.22 |
| 35 | 2028-06 | 12025.93 | 914.81 | 11111.11 | 411111.11 |
| 36 | 2028-07 | 12001.85 | 890.74 | 11111.11 | 400000.00 |
| 37 | 2028-08 | 11977.78 | 866.67 | 11111.11 | 388888.89 |
| 38 | 2028-09 | 11953.70 | 842.59 | 11111.11 | 377777.78 |
| 39 | 2028-10 | 11929.63 | 818.52 | 11111.11 | 366666.67 |
| 40 | 2028-11 | 11905.56 | 794.44 | 11111.11 | 355555.56 |
| 41 | 2028-12 | 11881.48 | 770.37 | 11111.11 | 344444.44 |
| 42 | 2029-01 | 11857.41 | 746.30 | 11111.11 | 333333.33 |
| 43 | 2029-02 | 11833.33 | 722.22 | 11111.11 | 322222.22 |
| 44 | 2029-03 | 11809.26 | 698.15 | 11111.11 | 311111.11 |
| 45 | 2029-04 | 11785.19 | 674.07 | 11111.11 | 300000.00 |
| 46 | 2029-05 | 11761.11 | 650.00 | 11111.11 | 288888.89 |
| 47 | 2029-06 | 11737.04 | 625.93 | 11111.11 | 277777.78 |
| 48 | 2029-07 | 11712.96 | 601.85 | 11111.11 | 266666.67 |
| 49 | 2029-08 | 11688.89 | 577.78 | 11111.11 | 255555.56 |
| 50 | 2029-09 | 11664.81 | 553.70 | 11111.11 | 244444.44 |
| 51 | 2029-10 | 11640.74 | 529.63 | 11111.11 | 233333.33 |
| 52 | 2029-11 | 11616.67 | 505.56 | 11111.11 | 222222.22 |
| 53 | 2029-12 | 11592.59 | 481.48 | 11111.11 | 211111.11 |
| 54 | 2030-01 | 11568.52 | 457.41 | 11111.11 | 200000.00 |
| 55 | 2030-02 | 11544.44 | 433.33 | 11111.11 | 188888.89 |
| 56 | 2030-03 | 11520.37 | 409.26 | 11111.11 | 177777.78 |
| 57 | 2030-04 | 11496.30 | 385.19 | 11111.11 | 166666.67 |
| 58 | 2030-05 | 11472.22 | 361.11 | 11111.11 | 155555.56 |
| 59 | 2030-06 | 11448.15 | 337.04 | 11111.11 | 144444.44 |
| 60 | 2030-07 | 11424.07 | 312.96 | 11111.11 | 133333.33 |
| 61 | 2030-08 | 11400.00 | 288.89 | 11111.11 | 122222.22 |
| 62 | 2030-09 | 11375.93 | 264.81 | 11111.11 | 111111.11 |
| 63 | 2030-10 | 11351.85 | 240.74 | 11111.11 | 100000.00 |
| 64 | 2030-11 | 11327.78 | 216.67 | 11111.11 | 88888.89 |
| 65 | 2030-12 | 11303.70 | 192.59 | 11111.11 | 77777.78 |
| 66 | 2031-01 | 11279.63 | 168.52 | 11111.11 | 66666.67 |
| 67 | 2031-02 | 11255.56 | 144.44 | 11111.11 | 55555.56 |
| 68 | 2031-03 | 11231.48 | 120.37 | 11111.11 | 44444.44 |
| 69 | 2031-04 | 11207.41 | 96.30 | 11111.11 | 33333.33 |
| 70 | 2031-05 | 11183.33 | 72.22 | 11111.11 | 22222.22 |
| 71 | 2031-06 | 11159.26 | 48.15 | 11111.11 | 11111.11 |
| 72 | 2031-07 | 11135.19 | 24.07 | 11111.11 | 0.00 |