贷款25.65万（公积金贷款）房贷，还款8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：25.65万
还款月数：8年
每月还款：2991.55元
利息总额：3.07万
本息合计：28.72万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-06 | 2991.55 | 609.26 | 2382.29 | 254148.71 |
| 2 | 2026-07 | 2991.55 | 603.60 | 2387.95 | 251760.76 |
| 3 | 2026-08 | 2991.55 | 597.93 | 2393.62 | 249367.14 |
| 4 | 2026-09 | 2991.55 | 592.25 | 2399.31 | 246967.83 |
| 5 | 2026-10 | 2991.55 | 586.55 | 2405.00 | 244562.83 |
| 6 | 2026-11 | 2991.55 | 580.84 | 2410.72 | 242152.11 |
| 7 | 2026-12 | 2991.55 | 575.11 | 2416.44 | 239735.67 |
| 8 | 2027-01 | 2991.55 | 569.37 | 2422.18 | 237313.49 |
| 9 | 2027-02 | 2991.55 | 563.62 | 2427.93 | 234885.56 |
| 10 | 2027-03 | 2991.55 | 557.85 | 2433.70 | 232451.86 |
| 11 | 2027-04 | 2991.55 | 552.07 | 2439.48 | 230012.38 |
| 12 | 2027-05 | 2991.55 | 546.28 | 2445.27 | 227567.10 |
| 13 | 2027-06 | 2991.55 | 540.47 | 2451.08 | 225116.02 |
| 14 | 2027-07 | 2991.55 | 534.65 | 2456.90 | 222659.12 |
| 15 | 2027-08 | 2991.55 | 528.82 | 2462.74 | 220196.38 |
| 16 | 2027-09 | 2991.55 | 522.97 | 2468.59 | 217727.80 |
| 17 | 2027-10 | 2991.55 | 517.10 | 2474.45 | 215253.35 |
| 18 | 2027-11 | 2991.55 | 511.23 | 2480.33 | 212773.02 |
| 19 | 2027-12 | 2991.55 | 505.34 | 2486.22 | 210286.81 |
| 20 | 2028-01 | 2991.55 | 499.43 | 2492.12 | 207794.68 |
| 21 | 2028-02 | 2991.55 | 493.51 | 2498.04 | 205296.64 |
| 22 | 2028-03 | 2991.55 | 487.58 | 2503.97 | 202792.67 |
| 23 | 2028-04 | 2991.55 | 481.63 | 2509.92 | 200282.75 |
| 24 | 2028-05 | 2991.55 | 475.67 | 2515.88 | 197766.87 |
| 25 | 2028-06 | 2991.55 | 469.70 | 2521.86 | 195245.01 |
| 26 | 2028-07 | 2991.55 | 463.71 | 2527.85 | 192717.17 |
| 27 | 2028-08 | 2991.55 | 457.70 | 2533.85 | 190183.32 |
| 28 | 2028-09 | 2991.55 | 451.69 | 2539.87 | 187643.45 |
| 29 | 2028-10 | 2991.55 | 445.65 | 2545.90 | 185097.55 |
| 30 | 2028-11 | 2991.55 | 439.61 | 2551.95 | 182545.61 |
| 31 | 2028-12 | 2991.55 | 433.55 | 2558.01 | 179987.60 |
| 32 | 2029-01 | 2991.55 | 427.47 | 2564.08 | 177423.52 |
| 33 | 2029-02 | 2991.55 | 421.38 | 2570.17 | 174853.34 |
| 34 | 2029-03 | 2991.55 | 415.28 | 2576.28 | 172277.07 |
| 35 | 2029-04 | 2991.55 | 409.16 | 2582.39 | 169694.67 |
| 36 | 2029-05 | 2991.55 | 403.02 | 2588.53 | 167106.15 |
| 37 | 2029-06 | 2991.55 | 396.88 | 2594.68 | 164511.47 |
| 38 | 2029-07 | 2991.55 | 390.71 | 2600.84 | 161910.63 |
| 39 | 2029-08 | 2991.55 | 384.54 | 2607.01 | 159303.62 |
| 40 | 2029-09 | 2991.55 | 378.35 | 2613.21 | 156690.41 |
| 41 | 2029-10 | 2991.55 | 372.14 | 2619.41 | 154071.00 |
| 42 | 2029-11 | 2991.55 | 365.92 | 2625.63 | 151445.36 |
| 43 | 2029-12 | 2991.55 | 359.68 | 2631.87 | 148813.49 |
| 44 | 2030-01 | 2991.55 | 353.43 | 2638.12 | 146175.37 |
| 45 | 2030-02 | 2991.55 | 347.17 | 2644.39 | 143530.99 |
| 46 | 2030-03 | 2991.55 | 340.89 | 2650.67 | 140880.32 |
| 47 | 2030-04 | 2991.55 | 334.59 | 2656.96 | 138223.36 |
| 48 | 2030-05 | 2991.55 | 328.28 | 2663.27 | 135560.09 |
| 49 | 2030-06 | 2991.55 | 321.96 | 2669.60 | 132890.49 |
| 50 | 2030-07 | 2991.55 | 315.61 | 2675.94 | 130214.55 |
| 51 | 2030-08 | 2991.55 | 309.26 | 2682.29 | 127532.26 |
| 52 | 2030-09 | 2991.55 | 302.89 | 2688.66 | 124843.59 |
| 53 | 2030-10 | 2991.55 | 296.50 | 2695.05 | 122148.54 |
| 54 | 2030-11 | 2991.55 | 290.10 | 2701.45 | 119447.09 |
| 55 | 2030-12 | 2991.55 | 283.69 | 2707.87 | 116739.23 |
| 56 | 2031-01 | 2991.55 | 277.26 | 2714.30 | 114024.93 |
| 57 | 2031-02 | 2991.55 | 270.81 | 2720.74 | 111304.19 |
| 58 | 2031-03 | 2991.55 | 264.35 | 2727.21 | 108576.98 |
| 59 | 2031-04 | 2991.55 | 257.87 | 2733.68 | 105843.30 |
| 60 | 2031-05 | 2991.55 | 251.38 | 2740.17 | 103103.13 |
| 61 | 2031-06 | 2991.55 | 244.87 | 2746.68 | 100356.44 |
| 62 | 2031-07 | 2991.55 | 238.35 | 2753.21 | 97603.24 |
| 63 | 2031-08 | 2991.55 | 231.81 | 2759.75 | 94843.49 |
| 64 | 2031-09 | 2991.55 | 225.25 | 2766.30 | 92077.19 |
| 65 | 2031-10 | 2991.55 | 218.68 | 2772.87 | 89304.32 |
| 66 | 2031-11 | 2991.55 | 212.10 | 2779.45 | 86524.87 |
| 67 | 2031-12 | 2991.55 | 205.50 | 2786.06 | 83738.81 |
| 68 | 2032-01 | 2991.55 | 198.88 | 2792.67 | 80946.14 |
| 69 | 2032-02 | 2991.55 | 192.25 | 2799.31 | 78146.83 |
| 70 | 2032-03 | 2991.55 | 185.60 | 2805.95 | 75340.88 |
| 71 | 2032-04 | 2991.55 | 178.93 | 2812.62 | 72528.26 |
| 72 | 2032-05 | 2991.55 | 172.25 | 2819.30 | 69708.96 |
| 73 | 2032-06 | 2991.55 | 165.56 | 2825.99 | 66882.97 |
| 74 | 2032-07 | 2991.55 | 158.85 | 2832.71 | 64050.26 |
| 75 | 2032-08 | 2991.55 | 152.12 | 2839.43 | 61210.83 |
| 76 | 2032-09 | 2991.55 | 145.38 | 2846.18 | 58364.65 |
| 77 | 2032-10 | 2991.55 | 138.62 | 2852.94 | 55511.72 |
| 78 | 2032-11 | 2991.55 | 131.84 | 2859.71 | 52652.00 |
| 79 | 2032-12 | 2991.55 | 125.05 | 2866.50 | 49785.50 |
| 80 | 2033-01 | 2991.55 | 118.24 | 2873.31 | 46912.19 |
| 81 | 2033-02 | 2991.55 | 111.42 | 2880.14 | 44032.05 |
| 82 | 2033-03 | 2991.55 | 104.58 | 2886.98 | 41145.07 |
| 83 | 2033-04 | 2991.55 | 97.72 | 2893.83 | 38251.24 |
| 84 | 2033-05 | 2991.55 | 90.85 | 2900.71 | 35350.54 |
| 85 | 2033-06 | 2991.55 | 83.96 | 2907.60 | 32442.94 |
| 86 | 2033-07 | 2991.55 | 77.05 | 2914.50 | 29528.44 |
| 87 | 2033-08 | 2991.55 | 70.13 | 2921.42 | 26607.02 |
| 88 | 2033-09 | 2991.55 | 63.19 | 2928.36 | 23678.66 |
| 89 | 2033-10 | 2991.55 | 56.24 | 2935.32 | 20743.34 |
| 90 | 2033-11 | 2991.55 | 49.27 | 2942.29 | 17801.05 |
| 91 | 2033-12 | 2991.55 | 42.28 | 2949.28 | 14851.78 |
| 92 | 2034-01 | 2991.55 | 35.27 | 2956.28 | 11895.50 |
| 93 | 2034-02 | 2991.55 | 28.25 | 2963.30 | 8932.20 |
| 94 | 2034-03 | 2991.55 | 21.21 | 2970.34 | 5961.86 |
| 95 | 2034-04 | 2991.55 | 14.16 | 2977.39 | 2984.46 |
| 96 | 2034-05 | 2991.55 | 7.09 | 2984.46 | 0.00 |
等额本金还款方式：
贷款总额：25.65万
还款月数：8年
首月还款：3281.46元
每月递减：6.35元
利息总额：2.95万
本息合计：28.61万
节省利息：1108.9元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-06 | 3281.46 | 609.26 | 2672.20 | 253858.80 |
| 2 | 2026-07 | 3275.11 | 602.91 | 2672.20 | 251186.60 |
| 3 | 2026-08 | 3268.77 | 596.57 | 2672.20 | 248514.41 |
| 4 | 2026-09 | 3262.42 | 590.22 | 2672.20 | 245842.21 |
| 5 | 2026-10 | 3256.07 | 583.88 | 2672.20 | 243170.01 |
| 6 | 2026-11 | 3249.73 | 577.53 | 2672.20 | 240497.81 |
| 7 | 2026-12 | 3243.38 | 571.18 | 2672.20 | 237825.61 |
| 8 | 2027-01 | 3237.03 | 564.84 | 2672.20 | 235153.42 |
| 9 | 2027-02 | 3230.69 | 558.49 | 2672.20 | 232481.22 |
| 10 | 2027-03 | 3224.34 | 552.14 | 2672.20 | 229809.02 |
| 11 | 2027-04 | 3217.99 | 545.80 | 2672.20 | 227136.82 |
| 12 | 2027-05 | 3211.65 | 539.45 | 2672.20 | 224464.63 |
| 13 | 2027-06 | 3205.30 | 533.10 | 2672.20 | 221792.43 |
| 14 | 2027-07 | 3198.95 | 526.76 | 2672.20 | 219120.23 |
| 15 | 2027-08 | 3192.61 | 520.41 | 2672.20 | 216448.03 |
| 16 | 2027-09 | 3186.26 | 514.06 | 2672.20 | 213775.83 |
| 17 | 2027-10 | 3179.92 | 507.72 | 2672.20 | 211103.64 |
| 18 | 2027-11 | 3173.57 | 501.37 | 2672.20 | 208431.44 |
| 19 | 2027-12 | 3167.22 | 495.02 | 2672.20 | 205759.24 |
| 20 | 2028-01 | 3160.88 | 488.68 | 2672.20 | 203087.04 |
| 21 | 2028-02 | 3154.53 | 482.33 | 2672.20 | 200414.84 |
| 22 | 2028-03 | 3148.18 | 475.99 | 2672.20 | 197742.65 |
| 23 | 2028-04 | 3141.84 | 469.64 | 2672.20 | 195070.45 |
| 24 | 2028-05 | 3135.49 | 463.29 | 2672.20 | 192398.25 |
| 25 | 2028-06 | 3129.14 | 456.95 | 2672.20 | 189726.05 |
| 26 | 2028-07 | 3122.80 | 450.60 | 2672.20 | 187053.85 |
| 27 | 2028-08 | 3116.45 | 444.25 | 2672.20 | 184381.66 |
| 28 | 2028-09 | 3110.10 | 437.91 | 2672.20 | 181709.46 |
| 29 | 2028-10 | 3103.76 | 431.56 | 2672.20 | 179037.26 |
| 30 | 2028-11 | 3097.41 | 425.21 | 2672.20 | 176365.06 |
| 31 | 2028-12 | 3091.06 | 418.87 | 2672.20 | 173692.86 |
| 32 | 2029-01 | 3084.72 | 412.52 | 2672.20 | 171020.67 |
| 33 | 2029-02 | 3078.37 | 406.17 | 2672.20 | 168348.47 |
| 34 | 2029-03 | 3072.03 | 399.83 | 2672.20 | 165676.27 |
| 35 | 2029-04 | 3065.68 | 393.48 | 2672.20 | 163004.07 |
| 36 | 2029-05 | 3059.33 | 387.13 | 2672.20 | 160331.88 |
| 37 | 2029-06 | 3052.99 | 380.79 | 2672.20 | 157659.68 |
| 38 | 2029-07 | 3046.64 | 374.44 | 2672.20 | 154987.48 |
| 39 | 2029-08 | 3040.29 | 368.10 | 2672.20 | 152315.28 |
| 40 | 2029-09 | 3033.95 | 361.75 | 2672.20 | 149643.08 |
| 41 | 2029-10 | 3027.60 | 355.40 | 2672.20 | 146970.89 |
| 42 | 2029-11 | 3021.25 | 349.06 | 2672.20 | 144298.69 |
| 43 | 2029-12 | 3014.91 | 342.71 | 2672.20 | 141626.49 |
| 44 | 2030-01 | 3008.56 | 336.36 | 2672.20 | 138954.29 |
| 45 | 2030-02 | 3002.21 | 330.02 | 2672.20 | 136282.09 |
| 46 | 2030-03 | 2995.87 | 323.67 | 2672.20 | 133609.90 |
| 47 | 2030-04 | 2989.52 | 317.32 | 2672.20 | 130937.70 |
| 48 | 2030-05 | 2983.17 | 310.98 | 2672.20 | 128265.50 |
| 49 | 2030-06 | 2976.83 | 304.63 | 2672.20 | 125593.30 |
| 50 | 2030-07 | 2970.48 | 298.28 | 2672.20 | 122921.10 |
| 51 | 2030-08 | 2964.14 | 291.94 | 2672.20 | 120248.91 |
| 52 | 2030-09 | 2957.79 | 285.59 | 2672.20 | 117576.71 |
| 53 | 2030-10 | 2951.44 | 279.24 | 2672.20 | 114904.51 |
| 54 | 2030-11 | 2945.10 | 272.90 | 2672.20 | 112232.31 |
| 55 | 2030-12 | 2938.75 | 266.55 | 2672.20 | 109560.11 |
| 56 | 2031-01 | 2932.40 | 260.21 | 2672.20 | 106887.92 |
| 57 | 2031-02 | 2926.06 | 253.86 | 2672.20 | 104215.72 |
| 58 | 2031-03 | 2919.71 | 247.51 | 2672.20 | 101543.52 |
| 59 | 2031-04 | 2913.36 | 241.17 | 2672.20 | 98871.32 |
| 60 | 2031-05 | 2907.02 | 234.82 | 2672.20 | 96199.13 |
| 61 | 2031-06 | 2900.67 | 228.47 | 2672.20 | 93526.93 |
| 62 | 2031-07 | 2894.32 | 222.13 | 2672.20 | 90854.73 |
| 63 | 2031-08 | 2887.98 | 215.78 | 2672.20 | 88182.53 |
| 64 | 2031-09 | 2881.63 | 209.43 | 2672.20 | 85510.33 |
| 65 | 2031-10 | 2875.28 | 203.09 | 2672.20 | 82838.14 |
| 66 | 2031-11 | 2868.94 | 196.74 | 2672.20 | 80165.94 |
| 67 | 2031-12 | 2862.59 | 190.39 | 2672.20 | 77493.74 |
| 68 | 2032-01 | 2856.25 | 184.05 | 2672.20 | 74821.54 |
| 69 | 2032-02 | 2849.90 | 177.70 | 2672.20 | 72149.34 |
| 70 | 2032-03 | 2843.55 | 171.35 | 2672.20 | 69477.15 |
| 71 | 2032-04 | 2837.21 | 165.01 | 2672.20 | 66804.95 |
| 72 | 2032-05 | 2830.86 | 158.66 | 2672.20 | 64132.75 |
| 73 | 2032-06 | 2824.51 | 152.32 | 2672.20 | 61460.55 |
| 74 | 2032-07 | 2818.17 | 145.97 | 2672.20 | 58788.35 |
| 75 | 2032-08 | 2811.82 | 139.62 | 2672.20 | 56116.16 |
| 76 | 2032-09 | 2805.47 | 133.28 | 2672.20 | 53443.96 |
| 77 | 2032-10 | 2799.13 | 126.93 | 2672.20 | 50771.76 |
| 78 | 2032-11 | 2792.78 | 120.58 | 2672.20 | 48099.56 |
| 79 | 2032-12 | 2786.43 | 114.24 | 2672.20 | 45427.36 |
| 80 | 2033-01 | 2780.09 | 107.89 | 2672.20 | 42755.17 |
| 81 | 2033-02 | 2773.74 | 101.54 | 2672.20 | 40082.97 |
| 82 | 2033-03 | 2767.39 | 95.20 | 2672.20 | 37410.77 |
| 83 | 2033-04 | 2761.05 | 88.85 | 2672.20 | 34738.57 |
| 84 | 2033-05 | 2754.70 | 82.50 | 2672.20 | 32066.38 |
| 85 | 2033-06 | 2748.36 | 76.16 | 2672.20 | 29394.18 |
| 86 | 2033-07 | 2742.01 | 69.81 | 2672.20 | 26721.98 |
| 87 | 2033-08 | 2735.66 | 63.46 | 2672.20 | 24049.78 |
| 88 | 2033-09 | 2729.32 | 57.12 | 2672.20 | 21377.58 |
| 89 | 2033-10 | 2722.97 | 50.77 | 2672.20 | 18705.39 |
| 90 | 2033-11 | 2716.62 | 44.43 | 2672.20 | 16033.19 |
| 91 | 2033-12 | 2710.28 | 38.08 | 2672.20 | 13360.99 |
| 92 | 2034-01 | 2703.93 | 31.73 | 2672.20 | 10688.79 |
| 93 | 2034-02 | 2697.58 | 25.39 | 2672.20 | 8016.59 |
| 94 | 2034-03 | 2691.24 | 19.04 | 2672.20 | 5344.40 |
| 95 | 2034-04 | 2684.89 | 12.69 | 2672.20 | 2672.20 |
| 96 | 2034-05 | 2678.54 | 6.35 | 2672.20 | 0.00 |