贷款7万（公积金贷款）房贷，还款6年7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：7万
还款月数：6年7个月
每月还款：985.44元
利息总额：7849.77元
本息合计：7.78万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2019-05 | 985.44 | 189.58 | 795.86 | 69204.14 |
| 2 | 2019-06 | 985.44 | 187.43 | 798.01 | 68406.13 |
| 3 | 2019-07 | 985.44 | 185.27 | 800.17 | 67605.96 |
| 4 | 2019-08 | 985.44 | 183.10 | 802.34 | 66803.62 |
| 5 | 2019-09 | 985.44 | 180.93 | 804.51 | 65999.10 |
| 6 | 2019-10 | 985.44 | 178.75 | 806.69 | 65192.41 |
| 7 | 2019-11 | 985.44 | 176.56 | 808.88 | 64383.53 |
| 8 | 2019-12 | 985.44 | 174.37 | 811.07 | 63572.47 |
| 9 | 2020-01 | 985.44 | 172.18 | 813.26 | 62759.20 |
| 10 | 2020-02 | 985.44 | 169.97 | 815.47 | 61943.73 |
| 11 | 2020-03 | 985.44 | 167.76 | 817.68 | 61126.06 |
| 12 | 2020-04 | 985.44 | 165.55 | 819.89 | 60306.17 |
| 13 | 2020-05 | 985.44 | 163.33 | 822.11 | 59484.06 |
| 14 | 2020-06 | 985.44 | 161.10 | 824.34 | 58659.72 |
| 15 | 2020-07 | 985.44 | 158.87 | 826.57 | 57833.15 |
| 16 | 2020-08 | 985.44 | 156.63 | 828.81 | 57004.34 |
| 17 | 2020-09 | 985.44 | 154.39 | 831.05 | 56173.29 |
| 18 | 2020-10 | 985.44 | 152.14 | 833.30 | 55339.98 |
| 19 | 2020-11 | 985.44 | 149.88 | 835.56 | 54504.42 |
| 20 | 2020-12 | 985.44 | 147.62 | 837.82 | 53666.60 |
| 21 | 2021-01 | 985.44 | 145.35 | 840.09 | 52826.51 |
| 22 | 2021-02 | 985.44 | 143.07 | 842.37 | 51984.14 |
| 23 | 2021-03 | 985.44 | 140.79 | 844.65 | 51139.49 |
| 24 | 2021-04 | 985.44 | 138.50 | 846.94 | 50292.55 |
| 25 | 2021-05 | 985.44 | 136.21 | 849.23 | 49443.32 |
| 26 | 2021-06 | 985.44 | 133.91 | 851.53 | 48591.79 |
| 27 | 2021-07 | 985.44 | 131.60 | 853.84 | 47737.95 |
| 28 | 2021-08 | 985.44 | 129.29 | 856.15 | 46881.80 |
| 29 | 2021-09 | 985.44 | 126.97 | 858.47 | 46023.33 |
| 30 | 2021-10 | 985.44 | 124.65 | 860.79 | 45162.54 |
| 31 | 2021-11 | 985.44 | 122.32 | 863.12 | 44299.41 |
| 32 | 2021-12 | 985.44 | 119.98 | 865.46 | 43433.95 |
| 33 | 2022-01 | 985.44 | 117.63 | 867.81 | 42566.14 |
| 34 | 2022-02 | 985.44 | 115.28 | 870.16 | 41695.99 |
| 35 | 2022-03 | 985.44 | 112.93 | 872.51 | 40823.47 |
| 36 | 2022-04 | 985.44 | 110.56 | 874.88 | 39948.60 |
| 37 | 2022-05 | 985.44 | 108.19 | 877.25 | 39071.35 |
| 38 | 2022-06 | 985.44 | 105.82 | 879.62 | 38191.73 |
| 39 | 2022-07 | 985.44 | 103.44 | 882.00 | 37309.73 |
| 40 | 2022-08 | 985.44 | 101.05 | 884.39 | 36425.33 |
| 41 | 2022-09 | 985.44 | 98.65 | 886.79 | 35538.54 |
| 42 | 2022-10 | 985.44 | 96.25 | 889.19 | 34649.36 |
| 43 | 2022-11 | 985.44 | 93.84 | 891.60 | 33757.76 |
| 44 | 2022-12 | 985.44 | 91.43 | 894.01 | 32863.74 |
| 45 | 2023-01 | 985.44 | 89.01 | 896.43 | 31967.31 |
| 46 | 2023-02 | 985.44 | 86.58 | 898.86 | 31068.45 |
| 47 | 2023-03 | 985.44 | 84.14 | 901.30 | 30167.15 |
| 48 | 2023-04 | 985.44 | 81.70 | 903.74 | 29263.41 |
| 49 | 2023-05 | 985.44 | 79.26 | 906.18 | 28357.23 |
| 50 | 2023-06 | 985.44 | 76.80 | 908.64 | 27448.59 |
| 51 | 2023-07 | 985.44 | 74.34 | 911.10 | 26537.49 |
| 52 | 2023-08 | 985.44 | 71.87 | 913.57 | 25623.92 |
| 53 | 2023-09 | 985.44 | 69.40 | 916.04 | 24707.88 |
| 54 | 2023-10 | 985.44 | 66.92 | 918.52 | 23789.36 |
| 55 | 2023-11 | 985.44 | 64.43 | 921.01 | 22868.35 |
| 56 | 2023-12 | 985.44 | 61.94 | 923.50 | 21944.84 |
| 57 | 2024-01 | 985.44 | 59.43 | 926.01 | 21018.84 |
| 58 | 2024-02 | 985.44 | 56.93 | 928.51 | 20090.32 |
| 59 | 2024-03 | 985.44 | 54.41 | 931.03 | 19159.29 |
| 60 | 2024-04 | 985.44 | 51.89 | 933.55 | 18225.74 |
| 61 | 2024-05 | 985.44 | 49.36 | 936.08 | 17289.66 |
| 62 | 2024-06 | 985.44 | 46.83 | 938.61 | 16351.05 |
| 63 | 2024-07 | 985.44 | 44.28 | 941.16 | 15409.89 |
| 64 | 2024-08 | 985.44 | 41.74 | 943.70 | 14466.19 |
| 65 | 2024-09 | 985.44 | 39.18 | 946.26 | 13519.93 |
| 66 | 2024-10 | 985.44 | 36.62 | 948.82 | 12571.10 |
| 67 | 2024-11 | 985.44 | 34.05 | 951.39 | 11619.71 |
| 68 | 2024-12 | 985.44 | 31.47 | 953.97 | 10665.74 |
| 69 | 2025-01 | 985.44 | 28.89 | 956.55 | 9709.19 |
| 70 | 2025-02 | 985.44 | 26.30 | 959.14 | 8750.04 |
| 71 | 2025-03 | 985.44 | 23.70 | 961.74 | 7788.30 |
| 72 | 2025-04 | 985.44 | 21.09 | 964.35 | 6823.95 |
| 73 | 2025-05 | 985.44 | 18.48 | 966.96 | 5857.00 |
| 74 | 2025-06 | 985.44 | 15.86 | 969.58 | 4887.42 |
| 75 | 2025-07 | 985.44 | 13.24 | 972.20 | 3915.22 |
| 76 | 2025-08 | 985.44 | 10.60 | 974.84 | 2940.38 |
| 77 | 2025-09 | 985.44 | 7.96 | 977.48 | 1962.90 |
| 78 | 2025-10 | 985.44 | 5.32 | 980.12 | 982.78 |
| 79 | 2025-11 | 985.44 | 2.66 | 982.78 | 0.00 |
等额本金还款方式：
贷款总额：7万
还款月数：6年7个月
首月还款：1075.66元
每月递减：2.4元
利息总额：7583.33元
本息合计：7.76万
节省利息：266.43元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2019-05 | 1075.66 | 189.58 | 886.08 | 69113.92 |
| 2 | 2019-06 | 1073.26 | 187.18 | 886.08 | 68227.85 |
| 3 | 2019-07 | 1070.86 | 184.78 | 886.08 | 67341.77 |
| 4 | 2019-08 | 1068.46 | 182.38 | 886.08 | 66455.70 |
| 5 | 2019-09 | 1066.06 | 179.98 | 886.08 | 65569.62 |
| 6 | 2019-10 | 1063.66 | 177.58 | 886.08 | 64683.54 |
| 7 | 2019-11 | 1061.26 | 175.18 | 886.08 | 63797.47 |
| 8 | 2019-12 | 1058.86 | 172.78 | 886.08 | 62911.39 |
| 9 | 2020-01 | 1056.46 | 170.39 | 886.08 | 62025.32 |
| 10 | 2020-02 | 1054.06 | 167.99 | 886.08 | 61139.24 |
| 11 | 2020-03 | 1051.66 | 165.59 | 886.08 | 60253.16 |
| 12 | 2020-04 | 1049.26 | 163.19 | 886.08 | 59367.09 |
| 13 | 2020-05 | 1046.86 | 160.79 | 886.08 | 58481.01 |
| 14 | 2020-06 | 1044.46 | 158.39 | 886.08 | 57594.94 |
| 15 | 2020-07 | 1042.06 | 155.99 | 886.08 | 56708.86 |
| 16 | 2020-08 | 1039.66 | 153.59 | 886.08 | 55822.78 |
| 17 | 2020-09 | 1037.26 | 151.19 | 886.08 | 54936.71 |
| 18 | 2020-10 | 1034.86 | 148.79 | 886.08 | 54050.63 |
| 19 | 2020-11 | 1032.46 | 146.39 | 886.08 | 53164.56 |
| 20 | 2020-12 | 1030.06 | 143.99 | 886.08 | 52278.48 |
| 21 | 2021-01 | 1027.66 | 141.59 | 886.08 | 51392.41 |
| 22 | 2021-02 | 1025.26 | 139.19 | 886.08 | 50506.33 |
| 23 | 2021-03 | 1022.86 | 136.79 | 886.08 | 49620.25 |
| 24 | 2021-04 | 1020.46 | 134.39 | 886.08 | 48734.18 |
| 25 | 2021-05 | 1018.06 | 131.99 | 886.08 | 47848.10 |
| 26 | 2021-06 | 1015.66 | 129.59 | 886.08 | 46962.03 |
| 27 | 2021-07 | 1013.26 | 127.19 | 886.08 | 46075.95 |
| 28 | 2021-08 | 1010.86 | 124.79 | 886.08 | 45189.87 |
| 29 | 2021-09 | 1008.47 | 122.39 | 886.08 | 44303.80 |
| 30 | 2021-10 | 1006.07 | 119.99 | 886.08 | 43417.72 |
| 31 | 2021-11 | 1003.67 | 117.59 | 886.08 | 42531.65 |
| 32 | 2021-12 | 1001.27 | 115.19 | 886.08 | 41645.57 |
| 33 | 2022-01 | 998.87 | 112.79 | 886.08 | 40759.49 |
| 34 | 2022-02 | 996.47 | 110.39 | 886.08 | 39873.42 |
| 35 | 2022-03 | 994.07 | 107.99 | 886.08 | 38987.34 |
| 36 | 2022-04 | 991.67 | 105.59 | 886.08 | 38101.27 |
| 37 | 2022-05 | 989.27 | 103.19 | 886.08 | 37215.19 |
| 38 | 2022-06 | 986.87 | 100.79 | 886.08 | 36329.11 |
| 39 | 2022-07 | 984.47 | 98.39 | 886.08 | 35443.04 |
| 40 | 2022-08 | 982.07 | 95.99 | 886.08 | 34556.96 |
| 41 | 2022-09 | 979.67 | 93.59 | 886.08 | 33670.89 |
| 42 | 2022-10 | 977.27 | 91.19 | 886.08 | 32784.81 |
| 43 | 2022-11 | 974.87 | 88.79 | 886.08 | 31898.73 |
| 44 | 2022-12 | 972.47 | 86.39 | 886.08 | 31012.66 |
| 45 | 2023-01 | 970.07 | 83.99 | 886.08 | 30126.58 |
| 46 | 2023-02 | 967.67 | 81.59 | 886.08 | 29240.51 |
| 47 | 2023-03 | 965.27 | 79.19 | 886.08 | 28354.43 |
| 48 | 2023-04 | 962.87 | 76.79 | 886.08 | 27468.35 |
| 49 | 2023-05 | 960.47 | 74.39 | 886.08 | 26582.28 |
| 50 | 2023-06 | 958.07 | 71.99 | 886.08 | 25696.20 |
| 51 | 2023-07 | 955.67 | 69.59 | 886.08 | 24810.13 |
| 52 | 2023-08 | 953.27 | 67.19 | 886.08 | 23924.05 |
| 53 | 2023-09 | 950.87 | 64.79 | 886.08 | 23037.97 |
| 54 | 2023-10 | 948.47 | 62.39 | 886.08 | 22151.90 |
| 55 | 2023-11 | 946.07 | 59.99 | 886.08 | 21265.82 |
| 56 | 2023-12 | 943.67 | 57.59 | 886.08 | 20379.75 |
| 57 | 2024-01 | 941.27 | 55.20 | 886.08 | 19493.67 |
| 58 | 2024-02 | 938.87 | 52.80 | 886.08 | 18607.59 |
| 59 | 2024-03 | 936.47 | 50.40 | 886.08 | 17721.52 |
| 60 | 2024-04 | 934.07 | 48.00 | 886.08 | 16835.44 |
| 61 | 2024-05 | 931.67 | 45.60 | 886.08 | 15949.37 |
| 62 | 2024-06 | 929.27 | 43.20 | 886.08 | 15063.29 |
| 63 | 2024-07 | 926.87 | 40.80 | 886.08 | 14177.22 |
| 64 | 2024-08 | 924.47 | 38.40 | 886.08 | 13291.14 |
| 65 | 2024-09 | 922.07 | 36.00 | 886.08 | 12405.06 |
| 66 | 2024-10 | 919.67 | 33.60 | 886.08 | 11518.99 |
| 67 | 2024-11 | 917.27 | 31.20 | 886.08 | 10632.91 |
| 68 | 2024-12 | 914.87 | 28.80 | 886.08 | 9746.84 |
| 69 | 2025-01 | 912.47 | 26.40 | 886.08 | 8860.76 |
| 70 | 2025-02 | 910.07 | 24.00 | 886.08 | 7974.68 |
| 71 | 2025-03 | 907.67 | 21.60 | 886.08 | 7088.61 |
| 72 | 2025-04 | 905.27 | 19.20 | 886.08 | 6202.53 |
| 73 | 2025-05 | 902.87 | 16.80 | 886.08 | 5316.46 |
| 74 | 2025-06 | 900.47 | 14.40 | 886.08 | 4430.38 |
| 75 | 2025-07 | 898.07 | 12.00 | 886.08 | 3544.30 |
| 76 | 2025-08 | 895.68 | 9.60 | 886.08 | 2658.23 |
| 77 | 2025-09 | 893.28 | 7.20 | 886.08 | 1772.15 |
| 78 | 2025-10 | 890.88 | 4.80 | 886.08 | 886.08 |
| 79 | 2025-11 | 888.48 | 2.40 | 886.08 | 0.00 |