贷款26.7万（公积金贷款）房贷，还款6年4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：26.7万
还款月数：6年4个月
每月还款：3891.85元
利息总额：2.88万
本息合计：29.58万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-11 | 3891.85 | 723.13 | 3168.73 | 263831.27 |
| 2 | 2025-12 | 3891.85 | 714.54 | 3177.31 | 260653.96 |
| 3 | 2026-01 | 3891.85 | 705.94 | 3185.92 | 257468.04 |
| 4 | 2026-02 | 3891.85 | 697.31 | 3194.54 | 254273.50 |
| 5 | 2026-03 | 3891.85 | 688.66 | 3203.20 | 251070.30 |
| 6 | 2026-04 | 3891.85 | 679.98 | 3211.87 | 247858.43 |
| 7 | 2026-05 | 3891.85 | 671.28 | 3220.57 | 244637.86 |
| 8 | 2026-06 | 3891.85 | 662.56 | 3229.29 | 241408.57 |
| 9 | 2026-07 | 3891.85 | 653.81 | 3238.04 | 238170.53 |
| 10 | 2026-08 | 3891.85 | 645.05 | 3246.81 | 234923.72 |
| 11 | 2026-09 | 3891.85 | 636.25 | 3255.60 | 231668.12 |
| 12 | 2026-10 | 3891.85 | 627.43 | 3264.42 | 228403.70 |
| 13 | 2026-11 | 3891.85 | 618.59 | 3273.26 | 225130.44 |
| 14 | 2026-12 | 3891.85 | 609.73 | 3282.13 | 221848.31 |
| 15 | 2027-01 | 3891.85 | 600.84 | 3291.01 | 218557.30 |
| 16 | 2027-02 | 3891.85 | 591.93 | 3299.93 | 215257.37 |
| 17 | 2027-03 | 3891.85 | 582.99 | 3308.87 | 211948.51 |
| 18 | 2027-04 | 3891.85 | 574.03 | 3317.83 | 208630.68 |
| 19 | 2027-05 | 3891.85 | 565.04 | 3326.81 | 205303.87 |
| 20 | 2027-06 | 3891.85 | 556.03 | 3335.82 | 201968.05 |
| 21 | 2027-07 | 3891.85 | 547.00 | 3344.86 | 198623.19 |
| 22 | 2027-08 | 3891.85 | 537.94 | 3353.92 | 195269.27 |
| 23 | 2027-09 | 3891.85 | 528.85 | 3363.00 | 191906.27 |
| 24 | 2027-10 | 3891.85 | 519.75 | 3372.11 | 188534.16 |
| 25 | 2027-11 | 3891.85 | 510.61 | 3381.24 | 185152.92 |
| 26 | 2027-12 | 3891.85 | 501.46 | 3390.40 | 181762.53 |
| 27 | 2028-01 | 3891.85 | 492.27 | 3399.58 | 178362.95 |
| 28 | 2028-02 | 3891.85 | 483.07 | 3408.79 | 174954.16 |
| 29 | 2028-03 | 3891.85 | 473.83 | 3418.02 | 171536.14 |
| 30 | 2028-04 | 3891.85 | 464.58 | 3427.28 | 168108.86 |
| 31 | 2028-05 | 3891.85 | 455.29 | 3436.56 | 164672.30 |
| 32 | 2028-06 | 3891.85 | 445.99 | 3445.87 | 161226.44 |
| 33 | 2028-07 | 3891.85 | 436.65 | 3455.20 | 157771.24 |
| 34 | 2028-08 | 3891.85 | 427.30 | 3464.56 | 154306.68 |
| 35 | 2028-09 | 3891.85 | 417.91 | 3473.94 | 150832.74 |
| 36 | 2028-10 | 3891.85 | 408.51 | 3483.35 | 147349.39 |
| 37 | 2028-11 | 3891.85 | 399.07 | 3492.78 | 143856.61 |
| 38 | 2028-12 | 3891.85 | 389.61 | 3502.24 | 140354.37 |
| 39 | 2029-01 | 3891.85 | 380.13 | 3511.73 | 136842.64 |
| 40 | 2029-02 | 3891.85 | 370.62 | 3521.24 | 133321.40 |
| 41 | 2029-03 | 3891.85 | 361.08 | 3530.77 | 129790.63 |
| 42 | 2029-04 | 3891.85 | 351.52 | 3540.34 | 126250.29 |
| 43 | 2029-05 | 3891.85 | 341.93 | 3549.93 | 122700.36 |
| 44 | 2029-06 | 3891.85 | 332.31 | 3559.54 | 119140.82 |
| 45 | 2029-07 | 3891.85 | 322.67 | 3569.18 | 115571.64 |
| 46 | 2029-08 | 3891.85 | 313.01 | 3578.85 | 111992.80 |
| 47 | 2029-09 | 3891.85 | 303.31 | 3588.54 | 108404.26 |
| 48 | 2029-10 | 3891.85 | 293.59 | 3598.26 | 104806.00 |
| 49 | 2029-11 | 3891.85 | 283.85 | 3608.00 | 101197.99 |
| 50 | 2029-12 | 3891.85 | 274.08 | 3617.78 | 97580.22 |
| 51 | 2030-01 | 3891.85 | 264.28 | 3627.57 | 93952.64 |
| 52 | 2030-02 | 3891.85 | 254.46 | 3637.40 | 90315.25 |
| 53 | 2030-03 | 3891.85 | 244.60 | 3647.25 | 86668.00 |
| 54 | 2030-04 | 3891.85 | 234.73 | 3657.13 | 83010.87 |
| 55 | 2030-05 | 3891.85 | 224.82 | 3667.03 | 79343.83 |
| 56 | 2030-06 | 3891.85 | 214.89 | 3676.96 | 75666.87 |
| 57 | 2030-07 | 3891.85 | 204.93 | 3686.92 | 71979.95 |
| 58 | 2030-08 | 3891.85 | 194.95 | 3696.91 | 68283.04 |
| 59 | 2030-09 | 3891.85 | 184.93 | 3706.92 | 64576.12 |
| 60 | 2030-10 | 3891.85 | 174.89 | 3716.96 | 60859.16 |
| 61 | 2030-11 | 3891.85 | 164.83 | 3727.03 | 57132.13 |
| 62 | 2030-12 | 3891.85 | 154.73 | 3737.12 | 53395.01 |
| 63 | 2031-01 | 3891.85 | 144.61 | 3747.24 | 49647.77 |
| 64 | 2031-02 | 3891.85 | 134.46 | 3757.39 | 45890.38 |
| 65 | 2031-03 | 3891.85 | 124.29 | 3767.57 | 42122.81 |
| 66 | 2031-04 | 3891.85 | 114.08 | 3777.77 | 38345.04 |
| 67 | 2031-05 | 3891.85 | 103.85 | 3788.00 | 34557.04 |
| 68 | 2031-06 | 3891.85 | 93.59 | 3798.26 | 30758.77 |
| 69 | 2031-07 | 3891.85 | 83.31 | 3808.55 | 26950.23 |
| 70 | 2031-08 | 3891.85 | 72.99 | 3818.86 | 23131.36 |
| 71 | 2031-09 | 3891.85 | 62.65 | 3829.21 | 19302.16 |
| 72 | 2031-10 | 3891.85 | 52.28 | 3839.58 | 15462.58 |
| 73 | 2031-11 | 3891.85 | 41.88 | 3849.98 | 11612.60 |
| 74 | 2031-12 | 3891.85 | 31.45 | 3860.40 | 7752.20 |
| 75 | 2032-01 | 3891.85 | 21.00 | 3870.86 | 3881.34 |
| 76 | 2032-02 | 3891.85 | 10.51 | 3881.34 | 0.00 |
等额本金还款方式：
贷款总额：26.7万
还款月数：6年4个月
首月还款：4236.28元
每月递减：9.51元
利息总额：2.78万
本息合计：29.48万
节省利息：940.57元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-11 | 4236.28 | 723.13 | 3513.16 | 263486.84 |
| 2 | 2025-12 | 4226.77 | 713.61 | 3513.16 | 259973.68 |
| 3 | 2026-01 | 4217.25 | 704.10 | 3513.16 | 256460.53 |
| 4 | 2026-02 | 4207.74 | 694.58 | 3513.16 | 252947.37 |
| 5 | 2026-03 | 4198.22 | 685.07 | 3513.16 | 249434.21 |
| 6 | 2026-04 | 4188.71 | 675.55 | 3513.16 | 245921.05 |
| 7 | 2026-05 | 4179.19 | 666.04 | 3513.16 | 242407.89 |
| 8 | 2026-06 | 4169.68 | 656.52 | 3513.16 | 238894.74 |
| 9 | 2026-07 | 4160.16 | 647.01 | 3513.16 | 235381.58 |
| 10 | 2026-08 | 4150.65 | 637.49 | 3513.16 | 231868.42 |
| 11 | 2026-09 | 4141.13 | 627.98 | 3513.16 | 228355.26 |
| 12 | 2026-10 | 4131.62 | 618.46 | 3513.16 | 224842.11 |
| 13 | 2026-11 | 4122.11 | 608.95 | 3513.16 | 221328.95 |
| 14 | 2026-12 | 4112.59 | 599.43 | 3513.16 | 217815.79 |
| 15 | 2027-01 | 4103.08 | 589.92 | 3513.16 | 214302.63 |
| 16 | 2027-02 | 4093.56 | 580.40 | 3513.16 | 210789.47 |
| 17 | 2027-03 | 4084.05 | 570.89 | 3513.16 | 207276.32 |
| 18 | 2027-04 | 4074.53 | 561.37 | 3513.16 | 203763.16 |
| 19 | 2027-05 | 4065.02 | 551.86 | 3513.16 | 200250.00 |
| 20 | 2027-06 | 4055.50 | 542.34 | 3513.16 | 196736.84 |
| 21 | 2027-07 | 4045.99 | 532.83 | 3513.16 | 193223.68 |
| 22 | 2027-08 | 4036.47 | 523.31 | 3513.16 | 189710.53 |
| 23 | 2027-09 | 4026.96 | 513.80 | 3513.16 | 186197.37 |
| 24 | 2027-10 | 4017.44 | 504.28 | 3513.16 | 182684.21 |
| 25 | 2027-11 | 4007.93 | 494.77 | 3513.16 | 179171.05 |
| 26 | 2027-12 | 3998.41 | 485.25 | 3513.16 | 175657.89 |
| 27 | 2028-01 | 3988.90 | 475.74 | 3513.16 | 172144.74 |
| 28 | 2028-02 | 3979.38 | 466.23 | 3513.16 | 168631.58 |
| 29 | 2028-03 | 3969.87 | 456.71 | 3513.16 | 165118.42 |
| 30 | 2028-04 | 3960.35 | 447.20 | 3513.16 | 161605.26 |
| 31 | 2028-05 | 3950.84 | 437.68 | 3513.16 | 158092.11 |
| 32 | 2028-06 | 3941.32 | 428.17 | 3513.16 | 154578.95 |
| 33 | 2028-07 | 3931.81 | 418.65 | 3513.16 | 151065.79 |
| 34 | 2028-08 | 3922.29 | 409.14 | 3513.16 | 147552.63 |
| 35 | 2028-09 | 3912.78 | 399.62 | 3513.16 | 144039.47 |
| 36 | 2028-10 | 3903.26 | 390.11 | 3513.16 | 140526.32 |
| 37 | 2028-11 | 3893.75 | 380.59 | 3513.16 | 137013.16 |
| 38 | 2028-12 | 3884.24 | 371.08 | 3513.16 | 133500.00 |
| 39 | 2029-01 | 3874.72 | 361.56 | 3513.16 | 129986.84 |
| 40 | 2029-02 | 3865.21 | 352.05 | 3513.16 | 126473.68 |
| 41 | 2029-03 | 3855.69 | 342.53 | 3513.16 | 122960.53 |
| 42 | 2029-04 | 3846.18 | 333.02 | 3513.16 | 119447.37 |
| 43 | 2029-05 | 3836.66 | 323.50 | 3513.16 | 115934.21 |
| 44 | 2029-06 | 3827.15 | 313.99 | 3513.16 | 112421.05 |
| 45 | 2029-07 | 3817.63 | 304.47 | 3513.16 | 108907.89 |
| 46 | 2029-08 | 3808.12 | 294.96 | 3513.16 | 105394.74 |
| 47 | 2029-09 | 3798.60 | 285.44 | 3513.16 | 101881.58 |
| 48 | 2029-10 | 3789.09 | 275.93 | 3513.16 | 98368.42 |
| 49 | 2029-11 | 3779.57 | 266.41 | 3513.16 | 94855.26 |
| 50 | 2029-12 | 3770.06 | 256.90 | 3513.16 | 91342.11 |
| 51 | 2030-01 | 3760.54 | 247.38 | 3513.16 | 87828.95 |
| 52 | 2030-02 | 3751.03 | 237.87 | 3513.16 | 84315.79 |
| 53 | 2030-03 | 3741.51 | 228.36 | 3513.16 | 80802.63 |
| 54 | 2030-04 | 3732.00 | 218.84 | 3513.16 | 77289.47 |
| 55 | 2030-05 | 3722.48 | 209.33 | 3513.16 | 73776.32 |
| 56 | 2030-06 | 3712.97 | 199.81 | 3513.16 | 70263.16 |
| 57 | 2030-07 | 3703.45 | 190.30 | 3513.16 | 66750.00 |
| 58 | 2030-08 | 3693.94 | 180.78 | 3513.16 | 63236.84 |
| 59 | 2030-09 | 3684.42 | 171.27 | 3513.16 | 59723.68 |
| 60 | 2030-10 | 3674.91 | 161.75 | 3513.16 | 56210.53 |
| 61 | 2030-11 | 3665.39 | 152.24 | 3513.16 | 52697.37 |
| 62 | 2030-12 | 3655.88 | 142.72 | 3513.16 | 49184.21 |
| 63 | 2031-01 | 3646.37 | 133.21 | 3513.16 | 45671.05 |
| 64 | 2031-02 | 3636.85 | 123.69 | 3513.16 | 42157.89 |
| 65 | 2031-03 | 3627.34 | 114.18 | 3513.16 | 38644.74 |
| 66 | 2031-04 | 3617.82 | 104.66 | 3513.16 | 35131.58 |
| 67 | 2031-05 | 3608.31 | 95.15 | 3513.16 | 31618.42 |
| 68 | 2031-06 | 3598.79 | 85.63 | 3513.16 | 28105.26 |
| 69 | 2031-07 | 3589.28 | 76.12 | 3513.16 | 24592.11 |
| 70 | 2031-08 | 3579.76 | 66.60 | 3513.16 | 21078.95 |
| 71 | 2031-09 | 3570.25 | 57.09 | 3513.16 | 17565.79 |
| 72 | 2031-10 | 3560.73 | 47.57 | 3513.16 | 14052.63 |
| 73 | 2031-11 | 3551.22 | 38.06 | 3513.16 | 10539.47 |
| 74 | 2031-12 | 3541.70 | 28.54 | 3513.16 | 7026.32 |
| 75 | 2032-01 | 3532.19 | 19.03 | 3513.16 | 3513.16 |
| 76 | 2032-02 | 3522.67 | 9.51 | 3513.16 | 0.00 |