贷款28万（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：28万
还款月数：6年
每月还款：4235.47元
利息总额：2.5万
本息合计：30.5万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 4235.47 | 665.00 | 3570.47 | 276429.53 |
| 2 | 2025-02 | 4235.47 | 656.52 | 3578.95 | 272850.59 |
| 3 | 2025-03 | 4235.47 | 648.02 | 3587.45 | 269263.14 |
| 4 | 2025-04 | 4235.47 | 639.50 | 3595.97 | 265667.18 |
| 5 | 2025-05 | 4235.47 | 630.96 | 3604.51 | 262062.67 |
| 6 | 2025-06 | 4235.47 | 622.40 | 3613.07 | 258449.61 |
| 7 | 2025-07 | 4235.47 | 613.82 | 3621.65 | 254827.96 |
| 8 | 2025-08 | 4235.47 | 605.22 | 3630.25 | 251197.71 |
| 9 | 2025-09 | 4235.47 | 596.59 | 3638.87 | 247558.84 |
| 10 | 2025-10 | 4235.47 | 587.95 | 3647.51 | 243911.32 |
| 11 | 2025-11 | 4235.47 | 579.29 | 3656.18 | 240255.15 |
| 12 | 2025-12 | 4235.47 | 570.61 | 3664.86 | 236590.29 |
| 13 | 2026-01 | 4235.47 | 561.90 | 3673.56 | 232916.73 |
| 14 | 2026-02 | 4235.47 | 553.18 | 3682.29 | 229234.44 |
| 15 | 2026-03 | 4235.47 | 544.43 | 3691.03 | 225543.40 |
| 16 | 2026-04 | 4235.47 | 535.67 | 3699.80 | 221843.60 |
| 17 | 2026-05 | 4235.47 | 526.88 | 3708.59 | 218135.02 |
| 18 | 2026-06 | 4235.47 | 518.07 | 3717.39 | 214417.62 |
| 19 | 2026-07 | 4235.47 | 509.24 | 3726.22 | 210691.40 |
| 20 | 2026-08 | 4235.47 | 500.39 | 3735.07 | 206956.32 |
| 21 | 2026-09 | 4235.47 | 491.52 | 3743.94 | 203212.38 |
| 22 | 2026-10 | 4235.47 | 482.63 | 3752.84 | 199459.54 |
| 23 | 2026-11 | 4235.47 | 473.72 | 3761.75 | 195697.79 |
| 24 | 2026-12 | 4235.47 | 464.78 | 3770.68 | 191927.11 |
| 25 | 2027-01 | 4235.47 | 455.83 | 3779.64 | 188147.47 |
| 26 | 2027-02 | 4235.47 | 446.85 | 3788.62 | 184358.86 |
| 27 | 2027-03 | 4235.47 | 437.85 | 3797.61 | 180561.24 |
| 28 | 2027-04 | 4235.47 | 428.83 | 3806.63 | 176754.61 |
| 29 | 2027-05 | 4235.47 | 419.79 | 3815.67 | 172938.94 |
| 30 | 2027-06 | 4235.47 | 410.73 | 3824.74 | 169114.20 |
| 31 | 2027-07 | 4235.47 | 401.65 | 3833.82 | 165280.38 |
| 32 | 2027-08 | 4235.47 | 392.54 | 3842.92 | 161437.46 |
| 33 | 2027-09 | 4235.47 | 383.41 | 3852.05 | 157585.41 |
| 34 | 2027-10 | 4235.47 | 374.27 | 3861.20 | 153724.21 |
| 35 | 2027-11 | 4235.47 | 365.09 | 3870.37 | 149853.84 |
| 36 | 2027-12 | 4235.47 | 355.90 | 3879.56 | 145974.27 |
| 37 | 2028-01 | 4235.47 | 346.69 | 3888.78 | 142085.50 |
| 38 | 2028-02 | 4235.47 | 337.45 | 3898.01 | 138187.48 |
| 39 | 2028-03 | 4235.47 | 328.20 | 3907.27 | 134280.21 |
| 40 | 2028-04 | 4235.47 | 318.92 | 3916.55 | 130363.66 |
| 41 | 2028-05 | 4235.47 | 309.61 | 3925.85 | 126437.81 |
| 42 | 2028-06 | 4235.47 | 300.29 | 3935.18 | 122502.64 |
| 43 | 2028-07 | 4235.47 | 290.94 | 3944.52 | 118558.11 |
| 44 | 2028-08 | 4235.47 | 281.58 | 3953.89 | 114604.22 |
| 45 | 2028-09 | 4235.47 | 272.19 | 3963.28 | 110640.94 |
| 46 | 2028-10 | 4235.47 | 262.77 | 3972.69 | 106668.25 |
| 47 | 2028-11 | 4235.47 | 253.34 | 3982.13 | 102686.12 |
| 48 | 2028-12 | 4235.47 | 243.88 | 3991.59 | 98694.54 |
| 49 | 2029-01 | 4235.47 | 234.40 | 4001.07 | 94693.47 |
| 50 | 2029-02 | 4235.47 | 224.90 | 4010.57 | 90682.90 |
| 51 | 2029-03 | 4235.47 | 215.37 | 4020.09 | 86662.81 |
| 52 | 2029-04 | 4235.47 | 205.82 | 4029.64 | 82633.17 |
| 53 | 2029-05 | 4235.47 | 196.25 | 4039.21 | 78593.96 |
| 54 | 2029-06 | 4235.47 | 186.66 | 4048.80 | 74545.15 |
| 55 | 2029-07 | 4235.47 | 177.04 | 4058.42 | 70486.73 |
| 56 | 2029-08 | 4235.47 | 167.41 | 4068.06 | 66418.67 |
| 57 | 2029-09 | 4235.47 | 157.74 | 4077.72 | 62340.95 |
| 58 | 2029-10 | 4235.47 | 148.06 | 4087.41 | 58253.54 |
| 59 | 2029-11 | 4235.47 | 138.35 | 4097.11 | 54156.43 |
| 60 | 2029-12 | 4235.47 | 128.62 | 4106.84 | 50049.59 |
| 61 | 2030-01 | 4235.47 | 118.87 | 4116.60 | 45932.99 |
| 62 | 2030-02 | 4235.47 | 109.09 | 4126.37 | 41806.61 |
| 63 | 2030-03 | 4235.47 | 99.29 | 4136.17 | 37670.44 |
| 64 | 2030-04 | 4235.47 | 89.47 | 4146.00 | 33524.44 |
| 65 | 2030-05 | 4235.47 | 79.62 | 4155.84 | 29368.60 |
| 66 | 2030-06 | 4235.47 | 69.75 | 4165.72 | 25202.88 |
| 67 | 2030-07 | 4235.47 | 59.86 | 4175.61 | 21027.27 |
| 68 | 2030-08 | 4235.47 | 49.94 | 4185.53 | 16841.75 |
| 69 | 2030-09 | 4235.47 | 40.00 | 4195.47 | 12646.28 |
| 70 | 2030-10 | 4235.47 | 30.03 | 4205.43 | 8440.85 |
| 71 | 2030-11 | 4235.47 | 20.05 | 4215.42 | 4225.43 |
| 72 | 2030-12 | 4235.47 | 10.04 | 4225.43 | 0.00 |
等额本金还款方式：
贷款总额：28万
还款月数：6年
首月还款：4553.89元
每月递减：9.24元
利息总额：2.43万
本息合计：30.43万
节省利息：681.02元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-01 | 4553.89 | 665.00 | 3888.89 | 276111.11 |
| 2 | 2025-02 | 4544.65 | 655.76 | 3888.89 | 272222.22 |
| 3 | 2025-03 | 4535.42 | 646.53 | 3888.89 | 268333.33 |
| 4 | 2025-04 | 4526.18 | 637.29 | 3888.89 | 264444.44 |
| 5 | 2025-05 | 4516.94 | 628.06 | 3888.89 | 260555.56 |
| 6 | 2025-06 | 4507.71 | 618.82 | 3888.89 | 256666.67 |
| 7 | 2025-07 | 4498.47 | 609.58 | 3888.89 | 252777.78 |
| 8 | 2025-08 | 4489.24 | 600.35 | 3888.89 | 248888.89 |
| 9 | 2025-09 | 4480.00 | 591.11 | 3888.89 | 245000.00 |
| 10 | 2025-10 | 4470.76 | 581.88 | 3888.89 | 241111.11 |
| 11 | 2025-11 | 4461.53 | 572.64 | 3888.89 | 237222.22 |
| 12 | 2025-12 | 4452.29 | 563.40 | 3888.89 | 233333.33 |
| 13 | 2026-01 | 4443.06 | 554.17 | 3888.89 | 229444.44 |
| 14 | 2026-02 | 4433.82 | 544.93 | 3888.89 | 225555.56 |
| 15 | 2026-03 | 4424.58 | 535.69 | 3888.89 | 221666.67 |
| 16 | 2026-04 | 4415.35 | 526.46 | 3888.89 | 217777.78 |
| 17 | 2026-05 | 4406.11 | 517.22 | 3888.89 | 213888.89 |
| 18 | 2026-06 | 4396.88 | 507.99 | 3888.89 | 210000.00 |
| 19 | 2026-07 | 4387.64 | 498.75 | 3888.89 | 206111.11 |
| 20 | 2026-08 | 4378.40 | 489.51 | 3888.89 | 202222.22 |
| 21 | 2026-09 | 4369.17 | 480.28 | 3888.89 | 198333.33 |
| 22 | 2026-10 | 4359.93 | 471.04 | 3888.89 | 194444.44 |
| 23 | 2026-11 | 4350.69 | 461.81 | 3888.89 | 190555.56 |
| 24 | 2026-12 | 4341.46 | 452.57 | 3888.89 | 186666.67 |
| 25 | 2027-01 | 4332.22 | 443.33 | 3888.89 | 182777.78 |
| 26 | 2027-02 | 4322.99 | 434.10 | 3888.89 | 178888.89 |
| 27 | 2027-03 | 4313.75 | 424.86 | 3888.89 | 175000.00 |
| 28 | 2027-04 | 4304.51 | 415.63 | 3888.89 | 171111.11 |
| 29 | 2027-05 | 4295.28 | 406.39 | 3888.89 | 167222.22 |
| 30 | 2027-06 | 4286.04 | 397.15 | 3888.89 | 163333.33 |
| 31 | 2027-07 | 4276.81 | 387.92 | 3888.89 | 159444.44 |
| 32 | 2027-08 | 4267.57 | 378.68 | 3888.89 | 155555.56 |
| 33 | 2027-09 | 4258.33 | 369.44 | 3888.89 | 151666.67 |
| 34 | 2027-10 | 4249.10 | 360.21 | 3888.89 | 147777.78 |
| 35 | 2027-11 | 4239.86 | 350.97 | 3888.89 | 143888.89 |
| 36 | 2027-12 | 4230.63 | 341.74 | 3888.89 | 140000.00 |
| 37 | 2028-01 | 4221.39 | 332.50 | 3888.89 | 136111.11 |
| 38 | 2028-02 | 4212.15 | 323.26 | 3888.89 | 132222.22 |
| 39 | 2028-03 | 4202.92 | 314.03 | 3888.89 | 128333.33 |
| 40 | 2028-04 | 4193.68 | 304.79 | 3888.89 | 124444.44 |
| 41 | 2028-05 | 4184.44 | 295.56 | 3888.89 | 120555.56 |
| 42 | 2028-06 | 4175.21 | 286.32 | 3888.89 | 116666.67 |
| 43 | 2028-07 | 4165.97 | 277.08 | 3888.89 | 112777.78 |
| 44 | 2028-08 | 4156.74 | 267.85 | 3888.89 | 108888.89 |
| 45 | 2028-09 | 4147.50 | 258.61 | 3888.89 | 105000.00 |
| 46 | 2028-10 | 4138.26 | 249.38 | 3888.89 | 101111.11 |
| 47 | 2028-11 | 4129.03 | 240.14 | 3888.89 | 97222.22 |
| 48 | 2028-12 | 4119.79 | 230.90 | 3888.89 | 93333.33 |
| 49 | 2029-01 | 4110.56 | 221.67 | 3888.89 | 89444.44 |
| 50 | 2029-02 | 4101.32 | 212.43 | 3888.89 | 85555.56 |
| 51 | 2029-03 | 4092.08 | 203.19 | 3888.89 | 81666.67 |
| 52 | 2029-04 | 4082.85 | 193.96 | 3888.89 | 77777.78 |
| 53 | 2029-05 | 4073.61 | 184.72 | 3888.89 | 73888.89 |
| 54 | 2029-06 | 4064.38 | 175.49 | 3888.89 | 70000.00 |
| 55 | 2029-07 | 4055.14 | 166.25 | 3888.89 | 66111.11 |
| 56 | 2029-08 | 4045.90 | 157.01 | 3888.89 | 62222.22 |
| 57 | 2029-09 | 4036.67 | 147.78 | 3888.89 | 58333.33 |
| 58 | 2029-10 | 4027.43 | 138.54 | 3888.89 | 54444.44 |
| 59 | 2029-11 | 4018.19 | 129.31 | 3888.89 | 50555.56 |
| 60 | 2029-12 | 4008.96 | 120.07 | 3888.89 | 46666.67 |
| 61 | 2030-01 | 3999.72 | 110.83 | 3888.89 | 42777.78 |
| 62 | 2030-02 | 3990.49 | 101.60 | 3888.89 | 38888.89 |
| 63 | 2030-03 | 3981.25 | 92.36 | 3888.89 | 35000.00 |
| 64 | 2030-04 | 3972.01 | 83.13 | 3888.89 | 31111.11 |
| 65 | 2030-05 | 3962.78 | 73.89 | 3888.89 | 27222.22 |
| 66 | 2030-06 | 3953.54 | 64.65 | 3888.89 | 23333.33 |
| 67 | 2030-07 | 3944.31 | 55.42 | 3888.89 | 19444.44 |
| 68 | 2030-08 | 3935.07 | 46.18 | 3888.89 | 15555.56 |
| 69 | 2030-09 | 3925.83 | 36.94 | 3888.89 | 11666.67 |
| 70 | 2030-10 | 3916.60 | 27.71 | 3888.89 | 7777.78 |
| 71 | 2030-11 | 3907.36 | 18.47 | 3888.89 | 3888.89 |
| 72 | 2030-12 | 3898.12 | 9.24 | 3888.89 | 0.00 |