上海贷款76万（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：76万
还款月数：6年
每月还款：11327.52元
利息总额：5.56万
本息合计：81.56万
| 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 | 11327.52 | 1488.33 | 9839.19 | 750160.81 |
| 2 | 2025-09 | 11327.52 | 1469.06 | 9858.45 | 740302.36 |
| 3 | 2025-10 | 11327.52 | 1449.76 | 9877.76 | 730424.60 |
| 4 | 2025-11 | 11327.52 | 1430.41 | 9897.10 | 720527.49 |
| 5 | 2025-12 | 11327.52 | 1411.03 | 9916.49 | 710611.01 |
| 6 | 2026-01 | 11327.52 | 1391.61 | 9935.91 | 700675.10 |
| 7 | 2026-02 | 11327.52 | 1372.16 | 9955.36 | 690719.74 |
| 8 | 2026-03 | 11327.52 | 1352.66 | 9974.86 | 680744.88 |
| 9 | 2026-04 | 11327.52 | 1333.13 | 9994.39 | 670750.48 |
| 10 | 2026-05 | 11327.52 | 1313.55 | 10013.97 | 660736.52 |
| 11 | 2026-06 | 11327.52 | 1293.94 | 10033.58 | 650702.94 |
| 12 | 2026-07 | 11327.52 | 1274.29 | 10053.23 | 640649.71 |
| 13 | 2026-08 | 11327.52 | 1254.61 | 10072.91 | 630576.80 |
| 14 | 2026-09 | 11327.52 | 1234.88 | 10092.64 | 620484.16 |
| 15 | 2026-10 | 11327.52 | 1215.11 | 10112.40 | 610371.75 |
| 16 | 2026-11 | 11327.52 | 1195.31 | 10132.21 | 600239.55 |
| 17 | 2026-12 | 11327.52 | 1175.47 | 10152.05 | 590087.50 |
| 18 | 2027-01 | 11327.52 | 1155.59 | 10171.93 | 579915.56 |
| 19 | 2027-02 | 11327.52 | 1135.67 | 10191.85 | 569723.71 |
| 20 | 2027-03 | 11327.52 | 1115.71 | 10211.81 | 559511.90 |
| 21 | 2027-04 | 11327.52 | 1095.71 | 10231.81 | 549280.09 |
| 22 | 2027-05 | 11327.52 | 1075.67 | 10251.85 | 539028.25 |
| 23 | 2027-06 | 11327.52 | 1055.60 | 10271.92 | 528756.32 |
| 24 | 2027-07 | 11327.52 | 1035.48 | 10292.04 | 518464.29 |
| 25 | 2027-08 | 11327.52 | 1015.33 | 10312.19 | 508152.09 |
| 26 | 2027-09 | 11327.52 | 995.13 | 10332.39 | 497819.70 |
| 27 | 2027-10 | 11327.52 | 974.90 | 10352.62 | 487467.08 |
| 28 | 2027-11 | 11327.52 | 954.62 | 10372.90 | 477094.18 |
| 29 | 2027-12 | 11327.52 | 934.31 | 10393.21 | 466700.97 |
| 30 | 2028-01 | 11327.52 | 913.96 | 10413.56 | 456287.41 |
| 31 | 2028-02 | 11327.52 | 893.56 | 10433.96 | 445853.45 |
| 32 | 2028-03 | 11327.52 | 873.13 | 10454.39 | 435399.06 |
| 33 | 2028-04 | 11327.52 | 852.66 | 10474.86 | 424924.20 |
| 34 | 2028-05 | 11327.52 | 832.14 | 10495.38 | 414428.83 |
| 35 | 2028-06 | 11327.52 | 811.59 | 10515.93 | 403912.90 |
| 36 | 2028-07 | 11327.52 | 791.00 | 10536.52 | 393376.37 |
| 37 | 2028-08 | 11327.52 | 770.36 | 10557.16 | 382819.21 |
| 38 | 2028-09 | 11327.52 | 749.69 | 10577.83 | 372241.38 |
| 39 | 2028-10 | 11327.52 | 728.97 | 10598.55 | 361642.84 |
| 40 | 2028-11 | 11327.52 | 708.22 | 10619.30 | 351023.53 |
| 41 | 2028-12 | 11327.52 | 687.42 | 10640.10 | 340383.44 |
| 42 | 2029-01 | 11327.52 | 666.58 | 10660.94 | 329722.50 |
| 43 | 2029-02 | 11327.52 | 645.71 | 10681.81 | 319040.69 |
| 44 | 2029-03 | 11327.52 | 624.79 | 10702.73 | 308337.96 |
| 45 | 2029-04 | 11327.52 | 603.83 | 10723.69 | 297614.26 |
| 46 | 2029-05 | 11327.52 | 582.83 | 10744.69 | 286869.57 |
| 47 | 2029-06 | 11327.52 | 561.79 | 10765.73 | 276103.84 |
| 48 | 2029-07 | 11327.52 | 540.70 | 10786.82 | 265317.02 |
| 49 | 2029-08 | 11327.52 | 519.58 | 10807.94 | 254509.08 |
| 50 | 2029-09 | 11327.52 | 498.41 | 10829.11 | 243679.98 |
| 51 | 2029-10 | 11327.52 | 477.21 | 10850.31 | 232829.66 |
| 52 | 2029-11 | 11327.52 | 455.96 | 10871.56 | 221958.10 |
| 53 | 2029-12 | 11327.52 | 434.67 | 10892.85 | 211065.25 |
| 54 | 2030-01 | 11327.52 | 413.34 | 10914.18 | 200151.07 |
| 55 | 2030-02 | 11327.52 | 391.96 | 10935.56 | 189215.51 |
| 56 | 2030-03 | 11327.52 | 370.55 | 10956.97 | 178258.54 |
| 57 | 2030-04 | 11327.52 | 349.09 | 10978.43 | 167280.11 |
| 58 | 2030-05 | 11327.52 | 327.59 | 10999.93 | 156280.18 |
| 59 | 2030-06 | 11327.52 | 306.05 | 11021.47 | 145258.71 |
| 60 | 2030-07 | 11327.52 | 284.46 | 11043.05 | 134215.65 |
| 61 | 2030-08 | 11327.52 | 262.84 | 11064.68 | 123150.97 |
| 62 | 2030-09 | 11327.52 | 241.17 | 11086.35 | 112064.62 |
| 63 | 2030-10 | 11327.52 | 219.46 | 11108.06 | 100956.56 |
| 64 | 2030-11 | 11327.52 | 197.71 | 11129.81 | 89826.75 |
| 65 | 2030-12 | 11327.52 | 175.91 | 11151.61 | 78675.14 |
| 66 | 2031-01 | 11327.52 | 154.07 | 11173.45 | 67501.70 |
| 67 | 2031-02 | 11327.52 | 132.19 | 11195.33 | 56306.37 |
| 68 | 2031-03 | 11327.52 | 110.27 | 11217.25 | 45089.11 |
| 69 | 2031-04 | 11327.52 | 88.30 | 11239.22 | 33849.89 |
| 70 | 2031-05 | 11327.52 | 66.29 | 11261.23 | 22588.66 |
| 71 | 2031-06 | 11327.52 | 44.24 | 11283.28 | 11305.38 |
| 72 | 2031-07 | 11327.52 | 22.14 | 11305.38 | 0.00 |
等额本金还款方式：
贷款总额：76万
还款月数：6年
首月还款：12043.89元
每月递减：20.67元
利息总额：5.43万
本息合计：81.43万
节省利息：1257.24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 | 12043.89 | 1488.33 | 10555.56 | 749444.44 |
| 2 | 2025-09 | 12023.22 | 1467.66 | 10555.56 | 738888.89 |
| 3 | 2025-10 | 12002.55 | 1446.99 | 10555.56 | 728333.33 |
| 4 | 2025-11 | 11981.88 | 1426.32 | 10555.56 | 717777.78 |
| 5 | 2025-12 | 11961.20 | 1405.65 | 10555.56 | 707222.22 |
| 6 | 2026-01 | 11940.53 | 1384.98 | 10555.56 | 696666.67 |
| 7 | 2026-02 | 11919.86 | 1364.31 | 10555.56 | 686111.11 |
| 8 | 2026-03 | 11899.19 | 1343.63 | 10555.56 | 675555.56 |
| 9 | 2026-04 | 11878.52 | 1322.96 | 10555.56 | 665000.00 |
| 10 | 2026-05 | 11857.85 | 1302.29 | 10555.56 | 654444.44 |
| 11 | 2026-06 | 11837.18 | 1281.62 | 10555.56 | 643888.89 |
| 12 | 2026-07 | 11816.50 | 1260.95 | 10555.56 | 633333.33 |
| 13 | 2026-08 | 11795.83 | 1240.28 | 10555.56 | 622777.78 |
| 14 | 2026-09 | 11775.16 | 1219.61 | 10555.56 | 612222.22 |
| 15 | 2026-10 | 11754.49 | 1198.94 | 10555.56 | 601666.67 |
| 16 | 2026-11 | 11733.82 | 1178.26 | 10555.56 | 591111.11 |
| 17 | 2026-12 | 11713.15 | 1157.59 | 10555.56 | 580555.56 |
| 18 | 2027-01 | 11692.48 | 1136.92 | 10555.56 | 570000.00 |
| 19 | 2027-02 | 11671.81 | 1116.25 | 10555.56 | 559444.44 |
| 20 | 2027-03 | 11651.13 | 1095.58 | 10555.56 | 548888.89 |
| 21 | 2027-04 | 11630.46 | 1074.91 | 10555.56 | 538333.33 |
| 22 | 2027-05 | 11609.79 | 1054.24 | 10555.56 | 527777.78 |
| 23 | 2027-06 | 11589.12 | 1033.56 | 10555.56 | 517222.22 |
| 24 | 2027-07 | 11568.45 | 1012.89 | 10555.56 | 506666.67 |
| 25 | 2027-08 | 11547.78 | 992.22 | 10555.56 | 496111.11 |
| 26 | 2027-09 | 11527.11 | 971.55 | 10555.56 | 485555.56 |
| 27 | 2027-10 | 11506.44 | 950.88 | 10555.56 | 475000.00 |
| 28 | 2027-11 | 11485.76 | 930.21 | 10555.56 | 464444.44 |
| 29 | 2027-12 | 11465.09 | 909.54 | 10555.56 | 453888.89 |
| 30 | 2028-01 | 11444.42 | 888.87 | 10555.56 | 443333.33 |
| 31 | 2028-02 | 11423.75 | 868.19 | 10555.56 | 432777.78 |
| 32 | 2028-03 | 11403.08 | 847.52 | 10555.56 | 422222.22 |
| 33 | 2028-04 | 11382.41 | 826.85 | 10555.56 | 411666.67 |
| 34 | 2028-05 | 11361.74 | 806.18 | 10555.56 | 401111.11 |
| 35 | 2028-06 | 11341.06 | 785.51 | 10555.56 | 390555.56 |
| 36 | 2028-07 | 11320.39 | 764.84 | 10555.56 | 380000.00 |
| 37 | 2028-08 | 11299.72 | 744.17 | 10555.56 | 369444.44 |
| 38 | 2028-09 | 11279.05 | 723.50 | 10555.56 | 358888.89 |
| 39 | 2028-10 | 11258.38 | 702.82 | 10555.56 | 348333.33 |
| 40 | 2028-11 | 11237.71 | 682.15 | 10555.56 | 337777.78 |
| 41 | 2028-12 | 11217.04 | 661.48 | 10555.56 | 327222.22 |
| 42 | 2029-01 | 11196.37 | 640.81 | 10555.56 | 316666.67 |
| 43 | 2029-02 | 11175.69 | 620.14 | 10555.56 | 306111.11 |
| 44 | 2029-03 | 11155.02 | 599.47 | 10555.56 | 295555.56 |
| 45 | 2029-04 | 11134.35 | 578.80 | 10555.56 | 285000.00 |
| 46 | 2029-05 | 11113.68 | 558.13 | 10555.56 | 274444.44 |
| 47 | 2029-06 | 11093.01 | 537.45 | 10555.56 | 263888.89 |
| 48 | 2029-07 | 11072.34 | 516.78 | 10555.56 | 253333.33 |
| 49 | 2029-08 | 11051.67 | 496.11 | 10555.56 | 242777.78 |
| 50 | 2029-09 | 11031.00 | 475.44 | 10555.56 | 232222.22 |
| 51 | 2029-10 | 11010.32 | 454.77 | 10555.56 | 221666.67 |
| 52 | 2029-11 | 10989.65 | 434.10 | 10555.56 | 211111.11 |
| 53 | 2029-12 | 10968.98 | 413.43 | 10555.56 | 200555.56 |
| 54 | 2030-01 | 10948.31 | 392.75 | 10555.56 | 190000.00 |
| 55 | 2030-02 | 10927.64 | 372.08 | 10555.56 | 179444.44 |
| 56 | 2030-03 | 10906.97 | 351.41 | 10555.56 | 168888.89 |
| 57 | 2030-04 | 10886.30 | 330.74 | 10555.56 | 158333.33 |
| 58 | 2030-05 | 10865.63 | 310.07 | 10555.56 | 147777.78 |
| 59 | 2030-06 | 10844.95 | 289.40 | 10555.56 | 137222.22 |
| 60 | 2030-07 | 10824.28 | 268.73 | 10555.56 | 126666.67 |
| 61 | 2030-08 | 10803.61 | 248.06 | 10555.56 | 116111.11 |
| 62 | 2030-09 | 10782.94 | 227.38 | 10555.56 | 105555.56 |
| 63 | 2030-10 | 10762.27 | 206.71 | 10555.56 | 95000.00 |
| 64 | 2030-11 | 10741.60 | 186.04 | 10555.56 | 84444.44 |
| 65 | 2030-12 | 10720.93 | 165.37 | 10555.56 | 73888.89 |
| 66 | 2031-01 | 10700.25 | 144.70 | 10555.56 | 63333.33 |
| 67 | 2031-02 | 10679.58 | 124.03 | 10555.56 | 52777.78 |
| 68 | 2031-03 | 10658.91 | 103.36 | 10555.56 | 42222.22 |
| 69 | 2031-04 | 10638.24 | 82.69 | 10555.56 | 31666.67 |
| 70 | 2031-05 | 10617.57 | 62.01 | 10555.56 | 21111.11 |
| 71 | 2031-06 | 10596.90 | 41.34 | 10555.56 | 10555.56 |
| 72 | 2031-07 | 10576.23 | 20.67 | 10555.56 | 0.00 |