徐州贷款12万（公积金贷款）房贷，还款9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：12万
还款月数：9年
每月还款：1261.01元
利息总额：1.62万
本息合计：13.62万
| 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 | 1261.01 | 285.00 | 976.01 | 119023.99 |
| 2 | 2025-09 | 1261.01 | 282.68 | 978.33 | 118045.67 |
| 3 | 2025-10 | 1261.01 | 280.36 | 980.65 | 117065.02 |
| 4 | 2025-11 | 1261.01 | 278.03 | 982.98 | 116082.04 |
| 5 | 2025-12 | 1261.01 | 275.69 | 985.31 | 115096.72 |
| 6 | 2026-01 | 1261.01 | 273.35 | 987.65 | 114109.07 |
| 7 | 2026-02 | 1261.01 | 271.01 | 990.00 | 113119.07 |
| 8 | 2026-03 | 1261.01 | 268.66 | 992.35 | 112126.72 |
| 9 | 2026-04 | 1261.01 | 266.30 | 994.71 | 111132.01 |
| 10 | 2026-05 | 1261.01 | 263.94 | 997.07 | 110134.95 |
| 11 | 2026-06 | 1261.01 | 261.57 | 999.44 | 109135.51 |
| 12 | 2026-07 | 1261.01 | 259.20 | 1001.81 | 108133.70 |
| 13 | 2026-08 | 1261.01 | 256.82 | 1004.19 | 107129.51 |
| 14 | 2026-09 | 1261.01 | 254.43 | 1006.58 | 106122.93 |
| 15 | 2026-10 | 1261.01 | 252.04 | 1008.97 | 105113.96 |
| 16 | 2026-11 | 1261.01 | 249.65 | 1011.36 | 104102.60 |
| 17 | 2026-12 | 1261.01 | 247.24 | 1013.76 | 103088.84 |
| 18 | 2027-01 | 1261.01 | 244.84 | 1016.17 | 102072.67 |
| 19 | 2027-02 | 1261.01 | 242.42 | 1018.59 | 101054.08 |
| 20 | 2027-03 | 1261.01 | 240.00 | 1021.00 | 100033.08 |
| 21 | 2027-04 | 1261.01 | 237.58 | 1023.43 | 99009.65 |
| 22 | 2027-05 | 1261.01 | 235.15 | 1025.86 | 97983.79 |
| 23 | 2027-06 | 1261.01 | 232.71 | 1028.30 | 96955.49 |
| 24 | 2027-07 | 1261.01 | 230.27 | 1030.74 | 95924.75 |
| 25 | 2027-08 | 1261.01 | 227.82 | 1033.19 | 94891.56 |
| 26 | 2027-09 | 1261.01 | 225.37 | 1035.64 | 93855.92 |
| 27 | 2027-10 | 1261.01 | 222.91 | 1038.10 | 92817.82 |
| 28 | 2027-11 | 1261.01 | 220.44 | 1040.57 | 91777.26 |
| 29 | 2027-12 | 1261.01 | 217.97 | 1043.04 | 90734.22 |
| 30 | 2028-01 | 1261.01 | 215.49 | 1045.51 | 89688.71 |
| 31 | 2028-02 | 1261.01 | 213.01 | 1048.00 | 88640.71 |
| 32 | 2028-03 | 1261.01 | 210.52 | 1050.49 | 87590.22 |
| 33 | 2028-04 | 1261.01 | 208.03 | 1052.98 | 86537.24 |
| 34 | 2028-05 | 1261.01 | 205.53 | 1055.48 | 85481.76 |
| 35 | 2028-06 | 1261.01 | 203.02 | 1057.99 | 84423.77 |
| 36 | 2028-07 | 1261.01 | 200.51 | 1060.50 | 83363.27 |
| 37 | 2028-08 | 1261.01 | 197.99 | 1063.02 | 82300.25 |
| 38 | 2028-09 | 1261.01 | 195.46 | 1065.54 | 81234.70 |
| 39 | 2028-10 | 1261.01 | 192.93 | 1068.08 | 80166.63 |
| 40 | 2028-11 | 1261.01 | 190.40 | 1070.61 | 79096.02 |
| 41 | 2028-12 | 1261.01 | 187.85 | 1073.16 | 78022.86 |
| 42 | 2029-01 | 1261.01 | 185.30 | 1075.70 | 76947.16 |
| 43 | 2029-02 | 1261.01 | 182.75 | 1078.26 | 75868.90 |
| 44 | 2029-03 | 1261.01 | 180.19 | 1080.82 | 74788.08 |
| 45 | 2029-04 | 1261.01 | 177.62 | 1083.39 | 73704.69 |
| 46 | 2029-05 | 1261.01 | 175.05 | 1085.96 | 72618.73 |
| 47 | 2029-06 | 1261.01 | 172.47 | 1088.54 | 71530.19 |
| 48 | 2029-07 | 1261.01 | 169.88 | 1091.12 | 70439.07 |
| 49 | 2029-08 | 1261.01 | 167.29 | 1093.72 | 69345.36 |
| 50 | 2029-09 | 1261.01 | 164.70 | 1096.31 | 68249.04 |
| 51 | 2029-10 | 1261.01 | 162.09 | 1098.92 | 67150.13 |
| 52 | 2029-11 | 1261.01 | 159.48 | 1101.53 | 66048.60 |
| 53 | 2029-12 | 1261.01 | 156.87 | 1104.14 | 64944.46 |
| 54 | 2030-01 | 1261.01 | 154.24 | 1106.76 | 63837.69 |
| 55 | 2030-02 | 1261.01 | 151.61 | 1109.39 | 62728.30 |
| 56 | 2030-03 | 1261.01 | 148.98 | 1112.03 | 61616.27 |
| 57 | 2030-04 | 1261.01 | 146.34 | 1114.67 | 60501.60 |
| 58 | 2030-05 | 1261.01 | 143.69 | 1117.32 | 59384.28 |
| 59 | 2030-06 | 1261.01 | 141.04 | 1119.97 | 58264.31 |
| 60 | 2030-07 | 1261.01 | 138.38 | 1122.63 | 57141.68 |
| 61 | 2030-08 | 1261.01 | 135.71 | 1125.30 | 56016.39 |
| 62 | 2030-09 | 1261.01 | 133.04 | 1127.97 | 54888.42 |
| 63 | 2030-10 | 1261.01 | 130.36 | 1130.65 | 53757.77 |
| 64 | 2030-11 | 1261.01 | 127.67 | 1133.33 | 52624.44 |
| 65 | 2030-12 | 1261.01 | 124.98 | 1136.03 | 51488.41 |
| 66 | 2031-01 | 1261.01 | 122.28 | 1138.72 | 50349.69 |
| 67 | 2031-02 | 1261.01 | 119.58 | 1141.43 | 49208.26 |
| 68 | 2031-03 | 1261.01 | 116.87 | 1144.14 | 48064.12 |
| 69 | 2031-04 | 1261.01 | 114.15 | 1146.86 | 46917.27 |
| 70 | 2031-05 | 1261.01 | 111.43 | 1149.58 | 45767.69 |
| 71 | 2031-06 | 1261.01 | 108.70 | 1152.31 | 44615.38 |
| 72 | 2031-07 | 1261.01 | 105.96 | 1155.05 | 43460.33 |
| 73 | 2031-08 | 1261.01 | 103.22 | 1157.79 | 42302.54 |
| 74 | 2031-09 | 1261.01 | 100.47 | 1160.54 | 41142.00 |
| 75 | 2031-10 | 1261.01 | 97.71 | 1163.30 | 39978.71 |
| 76 | 2031-11 | 1261.01 | 94.95 | 1166.06 | 38812.65 |
| 77 | 2031-12 | 1261.01 | 92.18 | 1168.83 | 37643.82 |
| 78 | 2032-01 | 1261.01 | 89.40 | 1171.60 | 36472.22 |
| 79 | 2032-02 | 1261.01 | 86.62 | 1174.39 | 35297.83 |
| 80 | 2032-03 | 1261.01 | 83.83 | 1177.18 | 34120.65 |
| 81 | 2032-04 | 1261.01 | 81.04 | 1179.97 | 32940.68 |
| 82 | 2032-05 | 1261.01 | 78.23 | 1182.77 | 31757.91 |
| 83 | 2032-06 | 1261.01 | 75.43 | 1185.58 | 30572.32 |
| 84 | 2032-07 | 1261.01 | 72.61 | 1188.40 | 29383.93 |
| 85 | 2032-08 | 1261.01 | 69.79 | 1191.22 | 28192.70 |
| 86 | 2032-09 | 1261.01 | 66.96 | 1194.05 | 26998.65 |
| 87 | 2032-10 | 1261.01 | 64.12 | 1196.89 | 25801.77 |
| 88 | 2032-11 | 1261.01 | 61.28 | 1199.73 | 24602.04 |
| 89 | 2032-12 | 1261.01 | 58.43 | 1202.58 | 23399.46 |
| 90 | 2033-01 | 1261.01 | 55.57 | 1205.43 | 22194.03 |
| 91 | 2033-02 | 1261.01 | 52.71 | 1208.30 | 20985.73 |
| 92 | 2033-03 | 1261.01 | 49.84 | 1211.17 | 19774.56 |
| 93 | 2033-04 | 1261.01 | 46.96 | 1214.04 | 18560.52 |
| 94 | 2033-05 | 1261.01 | 44.08 | 1216.93 | 17343.59 |
| 95 | 2033-06 | 1261.01 | 41.19 | 1219.82 | 16123.78 |
| 96 | 2033-07 | 1261.01 | 38.29 | 1222.71 | 14901.06 |
| 97 | 2033-08 | 1261.01 | 35.39 | 1225.62 | 13675.44 |
| 98 | 2033-09 | 1261.01 | 32.48 | 1228.53 | 12446.91 |
| 99 | 2033-10 | 1261.01 | 29.56 | 1231.45 | 11215.47 |
| 100 | 2033-11 | 1261.01 | 26.64 | 1234.37 | 9981.10 |
| 101 | 2033-12 | 1261.01 | 23.71 | 1237.30 | 8743.79 |
| 102 | 2034-01 | 1261.01 | 20.77 | 1240.24 | 7503.55 |
| 103 | 2034-02 | 1261.01 | 17.82 | 1243.19 | 6260.36 |
| 104 | 2034-03 | 1261.01 | 14.87 | 1246.14 | 5014.22 |
| 105 | 2034-04 | 1261.01 | 11.91 | 1249.10 | 3765.13 |
| 106 | 2034-05 | 1261.01 | 8.94 | 1252.07 | 2513.06 |
| 107 | 2034-06 | 1261.01 | 5.97 | 1255.04 | 1258.02 |
| 108 | 2034-07 | 1261.01 | 2.99 | 1258.02 | 0.00 |
等额本金还款方式：
贷款总额：12万
还款月数：9年
首月还款：1396.11元
每月递减：2.64元
利息总额：1.55万
本息合计：13.55万
节省利息：656.37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 | 1396.11 | 285.00 | 1111.11 | 118888.89 |
| 2 | 2025-09 | 1393.47 | 282.36 | 1111.11 | 117777.78 |
| 3 | 2025-10 | 1390.83 | 279.72 | 1111.11 | 116666.67 |
| 4 | 2025-11 | 1388.19 | 277.08 | 1111.11 | 115555.56 |
| 5 | 2025-12 | 1385.56 | 274.44 | 1111.11 | 114444.44 |
| 6 | 2026-01 | 1382.92 | 271.81 | 1111.11 | 113333.33 |
| 7 | 2026-02 | 1380.28 | 269.17 | 1111.11 | 112222.22 |
| 8 | 2026-03 | 1377.64 | 266.53 | 1111.11 | 111111.11 |
| 9 | 2026-04 | 1375.00 | 263.89 | 1111.11 | 110000.00 |
| 10 | 2026-05 | 1372.36 | 261.25 | 1111.11 | 108888.89 |
| 11 | 2026-06 | 1369.72 | 258.61 | 1111.11 | 107777.78 |
| 12 | 2026-07 | 1367.08 | 255.97 | 1111.11 | 106666.67 |
| 13 | 2026-08 | 1364.44 | 253.33 | 1111.11 | 105555.56 |
| 14 | 2026-09 | 1361.81 | 250.69 | 1111.11 | 104444.44 |
| 15 | 2026-10 | 1359.17 | 248.06 | 1111.11 | 103333.33 |
| 16 | 2026-11 | 1356.53 | 245.42 | 1111.11 | 102222.22 |
| 17 | 2026-12 | 1353.89 | 242.78 | 1111.11 | 101111.11 |
| 18 | 2027-01 | 1351.25 | 240.14 | 1111.11 | 100000.00 |
| 19 | 2027-02 | 1348.61 | 237.50 | 1111.11 | 98888.89 |
| 20 | 2027-03 | 1345.97 | 234.86 | 1111.11 | 97777.78 |
| 21 | 2027-04 | 1343.33 | 232.22 | 1111.11 | 96666.67 |
| 22 | 2027-05 | 1340.69 | 229.58 | 1111.11 | 95555.56 |
| 23 | 2027-06 | 1338.06 | 226.94 | 1111.11 | 94444.44 |
| 24 | 2027-07 | 1335.42 | 224.31 | 1111.11 | 93333.33 |
| 25 | 2027-08 | 1332.78 | 221.67 | 1111.11 | 92222.22 |
| 26 | 2027-09 | 1330.14 | 219.03 | 1111.11 | 91111.11 |
| 27 | 2027-10 | 1327.50 | 216.39 | 1111.11 | 90000.00 |
| 28 | 2027-11 | 1324.86 | 213.75 | 1111.11 | 88888.89 |
| 29 | 2027-12 | 1322.22 | 211.11 | 1111.11 | 87777.78 |
| 30 | 2028-01 | 1319.58 | 208.47 | 1111.11 | 86666.67 |
| 31 | 2028-02 | 1316.94 | 205.83 | 1111.11 | 85555.56 |
| 32 | 2028-03 | 1314.31 | 203.19 | 1111.11 | 84444.44 |
| 33 | 2028-04 | 1311.67 | 200.56 | 1111.11 | 83333.33 |
| 34 | 2028-05 | 1309.03 | 197.92 | 1111.11 | 82222.22 |
| 35 | 2028-06 | 1306.39 | 195.28 | 1111.11 | 81111.11 |
| 36 | 2028-07 | 1303.75 | 192.64 | 1111.11 | 80000.00 |
| 37 | 2028-08 | 1301.11 | 190.00 | 1111.11 | 78888.89 |
| 38 | 2028-09 | 1298.47 | 187.36 | 1111.11 | 77777.78 |
| 39 | 2028-10 | 1295.83 | 184.72 | 1111.11 | 76666.67 |
| 40 | 2028-11 | 1293.19 | 182.08 | 1111.11 | 75555.56 |
| 41 | 2028-12 | 1290.56 | 179.44 | 1111.11 | 74444.44 |
| 42 | 2029-01 | 1287.92 | 176.81 | 1111.11 | 73333.33 |
| 43 | 2029-02 | 1285.28 | 174.17 | 1111.11 | 72222.22 |
| 44 | 2029-03 | 1282.64 | 171.53 | 1111.11 | 71111.11 |
| 45 | 2029-04 | 1280.00 | 168.89 | 1111.11 | 70000.00 |
| 46 | 2029-05 | 1277.36 | 166.25 | 1111.11 | 68888.89 |
| 47 | 2029-06 | 1274.72 | 163.61 | 1111.11 | 67777.78 |
| 48 | 2029-07 | 1272.08 | 160.97 | 1111.11 | 66666.67 |
| 49 | 2029-08 | 1269.44 | 158.33 | 1111.11 | 65555.56 |
| 50 | 2029-09 | 1266.81 | 155.69 | 1111.11 | 64444.44 |
| 51 | 2029-10 | 1264.17 | 153.06 | 1111.11 | 63333.33 |
| 52 | 2029-11 | 1261.53 | 150.42 | 1111.11 | 62222.22 |
| 53 | 2029-12 | 1258.89 | 147.78 | 1111.11 | 61111.11 |
| 54 | 2030-01 | 1256.25 | 145.14 | 1111.11 | 60000.00 |
| 55 | 2030-02 | 1253.61 | 142.50 | 1111.11 | 58888.89 |
| 56 | 2030-03 | 1250.97 | 139.86 | 1111.11 | 57777.78 |
| 57 | 2030-04 | 1248.33 | 137.22 | 1111.11 | 56666.67 |
| 58 | 2030-05 | 1245.69 | 134.58 | 1111.11 | 55555.56 |
| 59 | 2030-06 | 1243.06 | 131.94 | 1111.11 | 54444.44 |
| 60 | 2030-07 | 1240.42 | 129.31 | 1111.11 | 53333.33 |
| 61 | 2030-08 | 1237.78 | 126.67 | 1111.11 | 52222.22 |
| 62 | 2030-09 | 1235.14 | 124.03 | 1111.11 | 51111.11 |
| 63 | 2030-10 | 1232.50 | 121.39 | 1111.11 | 50000.00 |
| 64 | 2030-11 | 1229.86 | 118.75 | 1111.11 | 48888.89 |
| 65 | 2030-12 | 1227.22 | 116.11 | 1111.11 | 47777.78 |
| 66 | 2031-01 | 1224.58 | 113.47 | 1111.11 | 46666.67 |
| 67 | 2031-02 | 1221.94 | 110.83 | 1111.11 | 45555.56 |
| 68 | 2031-03 | 1219.31 | 108.19 | 1111.11 | 44444.44 |
| 69 | 2031-04 | 1216.67 | 105.56 | 1111.11 | 43333.33 |
| 70 | 2031-05 | 1214.03 | 102.92 | 1111.11 | 42222.22 |
| 71 | 2031-06 | 1211.39 | 100.28 | 1111.11 | 41111.11 |
| 72 | 2031-07 | 1208.75 | 97.64 | 1111.11 | 40000.00 |
| 73 | 2031-08 | 1206.11 | 95.00 | 1111.11 | 38888.89 |
| 74 | 2031-09 | 1203.47 | 92.36 | 1111.11 | 37777.78 |
| 75 | 2031-10 | 1200.83 | 89.72 | 1111.11 | 36666.67 |
| 76 | 2031-11 | 1198.19 | 87.08 | 1111.11 | 35555.56 |
| 77 | 2031-12 | 1195.56 | 84.44 | 1111.11 | 34444.44 |
| 78 | 2032-01 | 1192.92 | 81.81 | 1111.11 | 33333.33 |
| 79 | 2032-02 | 1190.28 | 79.17 | 1111.11 | 32222.22 |
| 80 | 2032-03 | 1187.64 | 76.53 | 1111.11 | 31111.11 |
| 81 | 2032-04 | 1185.00 | 73.89 | 1111.11 | 30000.00 |
| 82 | 2032-05 | 1182.36 | 71.25 | 1111.11 | 28888.89 |
| 83 | 2032-06 | 1179.72 | 68.61 | 1111.11 | 27777.78 |
| 84 | 2032-07 | 1177.08 | 65.97 | 1111.11 | 26666.67 |
| 85 | 2032-08 | 1174.44 | 63.33 | 1111.11 | 25555.56 |
| 86 | 2032-09 | 1171.81 | 60.69 | 1111.11 | 24444.44 |
| 87 | 2032-10 | 1169.17 | 58.06 | 1111.11 | 23333.33 |
| 88 | 2032-11 | 1166.53 | 55.42 | 1111.11 | 22222.22 |
| 89 | 2032-12 | 1163.89 | 52.78 | 1111.11 | 21111.11 |
| 90 | 2033-01 | 1161.25 | 50.14 | 1111.11 | 20000.00 |
| 91 | 2033-02 | 1158.61 | 47.50 | 1111.11 | 18888.89 |
| 92 | 2033-03 | 1155.97 | 44.86 | 1111.11 | 17777.78 |
| 93 | 2033-04 | 1153.33 | 42.22 | 1111.11 | 16666.67 |
| 94 | 2033-05 | 1150.69 | 39.58 | 1111.11 | 15555.56 |
| 95 | 2033-06 | 1148.06 | 36.94 | 1111.11 | 14444.44 |
| 96 | 2033-07 | 1145.42 | 34.31 | 1111.11 | 13333.33 |
| 97 | 2033-08 | 1142.78 | 31.67 | 1111.11 | 12222.22 |
| 98 | 2033-09 | 1140.14 | 29.03 | 1111.11 | 11111.11 |
| 99 | 2033-10 | 1137.50 | 26.39 | 1111.11 | 10000.00 |
| 100 | 2033-11 | 1134.86 | 23.75 | 1111.11 | 8888.89 |
| 101 | 2033-12 | 1132.22 | 21.11 | 1111.11 | 7777.78 |
| 102 | 2034-01 | 1129.58 | 18.47 | 1111.11 | 6666.67 |
| 103 | 2034-02 | 1126.94 | 15.83 | 1111.11 | 5555.56 |
| 104 | 2034-03 | 1124.31 | 13.19 | 1111.11 | 4444.44 |
| 105 | 2034-04 | 1121.67 | 10.56 | 1111.11 | 3333.33 |
| 106 | 2034-05 | 1119.03 | 7.92 | 1111.11 | 2222.22 |
| 107 | 2034-06 | 1116.39 | 5.28 | 1111.11 | 1111.11 |
| 108 | 2034-07 | 1113.75 | 2.64 | 1111.11 | 0.00 |