贷款24万（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：24万
还款月数：6年4个月
每月还款：3498.3元
利息总额：2.59万
本息合计：26.59万
| 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 | 3498.30 | 650.00 | 2848.30 | 237151.70 |
| 2 | 2025-02 | 3498.30 | 642.29 | 2856.01 | 234295.69 |
| 3 | 2025-03 | 3498.30 | 634.55 | 2863.74 | 231431.95 |
| 4 | 2025-04 | 3498.30 | 626.79 | 2871.50 | 228560.45 |
| 5 | 2025-05 | 3498.30 | 619.02 | 2879.28 | 225681.17 |
| 6 | 2025-06 | 3498.30 | 611.22 | 2887.08 | 222794.10 |
| 7 | 2025-07 | 3498.30 | 603.40 | 2894.89 | 219899.20 |
| 8 | 2025-08 | 3498.30 | 595.56 | 2902.74 | 216996.47 |
| 9 | 2025-09 | 3498.30 | 587.70 | 2910.60 | 214085.87 |
| 10 | 2025-10 | 3498.30 | 579.82 | 2918.48 | 211167.39 |
| 11 | 2025-11 | 3498.30 | 571.91 | 2926.38 | 208241.01 |
| 12 | 2025-12 | 3498.30 | 563.99 | 2934.31 | 205306.70 |
| 13 | 2026-01 | 3498.30 | 556.04 | 2942.26 | 202364.44 |
| 14 | 2026-02 | 3498.30 | 548.07 | 2950.23 | 199414.21 |
| 15 | 2026-03 | 3498.30 | 540.08 | 2958.22 | 196456.00 |
| 16 | 2026-04 | 3498.30 | 532.07 | 2966.23 | 193489.77 |
| 17 | 2026-05 | 3498.30 | 524.03 | 2974.26 | 190515.51 |
| 18 | 2026-06 | 3498.30 | 515.98 | 2982.32 | 187533.20 |
| 19 | 2026-07 | 3498.30 | 507.90 | 2990.39 | 184542.80 |
| 20 | 2026-08 | 3498.30 | 499.80 | 2998.49 | 181544.31 |
| 21 | 2026-09 | 3498.30 | 491.68 | 3006.61 | 178537.70 |
| 22 | 2026-10 | 3498.30 | 483.54 | 3014.76 | 175522.94 |
| 23 | 2026-11 | 3498.30 | 475.37 | 3022.92 | 172500.02 |
| 24 | 2026-12 | 3498.30 | 467.19 | 3031.11 | 169468.91 |
| 25 | 2027-01 | 3498.30 | 458.98 | 3039.32 | 166429.60 |
| 26 | 2027-02 | 3498.30 | 450.75 | 3047.55 | 163382.05 |
| 27 | 2027-03 | 3498.30 | 442.49 | 3055.80 | 160326.24 |
| 28 | 2027-04 | 3498.30 | 434.22 | 3064.08 | 157262.17 |
| 29 | 2027-05 | 3498.30 | 425.92 | 3072.38 | 154189.79 |
| 30 | 2027-06 | 3498.30 | 417.60 | 3080.70 | 151109.09 |
| 31 | 2027-07 | 3498.30 | 409.25 | 3089.04 | 148020.05 |
| 32 | 2027-08 | 3498.30 | 400.89 | 3097.41 | 144922.64 |
| 33 | 2027-09 | 3498.30 | 392.50 | 3105.80 | 141816.84 |
| 34 | 2027-10 | 3498.30 | 384.09 | 3114.21 | 138702.64 |
| 35 | 2027-11 | 3498.30 | 375.65 | 3122.64 | 135579.99 |
| 36 | 2027-12 | 3498.30 | 367.20 | 3131.10 | 132448.89 |
| 37 | 2028-01 | 3498.30 | 358.72 | 3139.58 | 129309.31 |
| 38 | 2028-02 | 3498.30 | 350.21 | 3148.08 | 126161.23 |
| 39 | 2028-03 | 3498.30 | 341.69 | 3156.61 | 123004.62 |
| 40 | 2028-04 | 3498.30 | 333.14 | 3165.16 | 119839.46 |
| 41 | 2028-05 | 3498.30 | 324.57 | 3173.73 | 116665.73 |
| 42 | 2028-06 | 3498.30 | 315.97 | 3182.33 | 113483.41 |
| 43 | 2028-07 | 3498.30 | 307.35 | 3190.94 | 110292.46 |
| 44 | 2028-08 | 3498.30 | 298.71 | 3199.59 | 107092.88 |
| 45 | 2028-09 | 3498.30 | 290.04 | 3208.25 | 103884.62 |
| 46 | 2028-10 | 3498.30 | 281.35 | 3216.94 | 100667.68 |
| 47 | 2028-11 | 3498.30 | 272.64 | 3225.65 | 97442.03 |
| 48 | 2028-12 | 3498.30 | 263.91 | 3234.39 | 94207.64 |
| 49 | 2029-01 | 3498.30 | 255.15 | 3243.15 | 90964.49 |
| 50 | 2029-02 | 3498.30 | 246.36 | 3251.93 | 87712.56 |
| 51 | 2029-03 | 3498.30 | 237.55 | 3260.74 | 84451.81 |
| 52 | 2029-04 | 3498.30 | 228.72 | 3269.57 | 81182.24 |
| 53 | 2029-05 | 3498.30 | 219.87 | 3278.43 | 77903.82 |
| 54 | 2029-06 | 3498.30 | 210.99 | 3287.31 | 74616.51 |
| 55 | 2029-07 | 3498.30 | 202.09 | 3296.21 | 71320.30 |
| 56 | 2029-08 | 3498.30 | 193.16 | 3305.14 | 68015.16 |
| 57 | 2029-09 | 3498.30 | 184.21 | 3314.09 | 64701.08 |
| 58 | 2029-10 | 3498.30 | 175.23 | 3323.06 | 61378.01 |
| 59 | 2029-11 | 3498.30 | 166.23 | 3332.06 | 58045.95 |
| 60 | 2029-12 | 3498.30 | 157.21 | 3341.09 | 54704.86 |
| 61 | 2030-01 | 3498.30 | 148.16 | 3350.14 | 51354.73 |
| 62 | 2030-02 | 3498.30 | 139.09 | 3359.21 | 47995.52 |
| 63 | 2030-03 | 3498.30 | 129.99 | 3368.31 | 44627.21 |
| 64 | 2030-04 | 3498.30 | 120.87 | 3377.43 | 41249.78 |
| 65 | 2030-05 | 3498.30 | 111.72 | 3386.58 | 37863.20 |
| 66 | 2030-06 | 3498.30 | 102.55 | 3395.75 | 34467.45 |
| 67 | 2030-07 | 3498.30 | 93.35 | 3404.95 | 31062.50 |
| 68 | 2030-08 | 3498.30 | 84.13 | 3414.17 | 27648.34 |
| 69 | 2030-09 | 3498.30 | 74.88 | 3423.41 | 24224.92 |
| 70 | 2030-10 | 3498.30 | 65.61 | 3432.69 | 20792.24 |
| 71 | 2030-11 | 3498.30 | 56.31 | 3441.98 | 17350.25 |
| 72 | 2030-12 | 3498.30 | 46.99 | 3451.31 | 13898.95 |
| 73 | 2031-01 | 3498.30 | 37.64 | 3460.65 | 10438.29 |
| 74 | 2031-02 | 3498.30 | 28.27 | 3470.03 | 6968.27 |
| 75 | 2031-03 | 3498.30 | 18.87 | 3479.42 | 3488.85 |
| 76 | 2031-04 | 3498.30 | 9.45 | 3488.85 | 0.00 |
等额本金还款方式：
贷款总额：24万
还款月数：6年4个月
首月还款：3807.89元
每月递减：8.55元
利息总额：2.5万
本息合计：26.5万
节省利息：845.46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 | 3807.89 | 650.00 | 3157.89 | 236842.11 |
| 2 | 2025-02 | 3799.34 | 641.45 | 3157.89 | 233684.21 |
| 3 | 2025-03 | 3790.79 | 632.89 | 3157.89 | 230526.32 |
| 4 | 2025-04 | 3782.24 | 624.34 | 3157.89 | 227368.42 |
| 5 | 2025-05 | 3773.68 | 615.79 | 3157.89 | 224210.53 |
| 6 | 2025-06 | 3765.13 | 607.24 | 3157.89 | 221052.63 |
| 7 | 2025-07 | 3756.58 | 598.68 | 3157.89 | 217894.74 |
| 8 | 2025-08 | 3748.03 | 590.13 | 3157.89 | 214736.84 |
| 9 | 2025-09 | 3739.47 | 581.58 | 3157.89 | 211578.95 |
| 10 | 2025-10 | 3730.92 | 573.03 | 3157.89 | 208421.05 |
| 11 | 2025-11 | 3722.37 | 564.47 | 3157.89 | 205263.16 |
| 12 | 2025-12 | 3713.82 | 555.92 | 3157.89 | 202105.26 |
| 13 | 2026-01 | 3705.26 | 547.37 | 3157.89 | 198947.37 |
| 14 | 2026-02 | 3696.71 | 538.82 | 3157.89 | 195789.47 |
| 15 | 2026-03 | 3688.16 | 530.26 | 3157.89 | 192631.58 |
| 16 | 2026-04 | 3679.61 | 521.71 | 3157.89 | 189473.68 |
| 17 | 2026-05 | 3671.05 | 513.16 | 3157.89 | 186315.79 |
| 18 | 2026-06 | 3662.50 | 504.61 | 3157.89 | 183157.89 |
| 19 | 2026-07 | 3653.95 | 496.05 | 3157.89 | 180000.00 |
| 20 | 2026-08 | 3645.39 | 487.50 | 3157.89 | 176842.11 |
| 21 | 2026-09 | 3636.84 | 478.95 | 3157.89 | 173684.21 |
| 22 | 2026-10 | 3628.29 | 470.39 | 3157.89 | 170526.32 |
| 23 | 2026-11 | 3619.74 | 461.84 | 3157.89 | 167368.42 |
| 24 | 2026-12 | 3611.18 | 453.29 | 3157.89 | 164210.53 |
| 25 | 2027-01 | 3602.63 | 444.74 | 3157.89 | 161052.63 |
| 26 | 2027-02 | 3594.08 | 436.18 | 3157.89 | 157894.74 |
| 27 | 2027-03 | 3585.53 | 427.63 | 3157.89 | 154736.84 |
| 28 | 2027-04 | 3576.97 | 419.08 | 3157.89 | 151578.95 |
| 29 | 2027-05 | 3568.42 | 410.53 | 3157.89 | 148421.05 |
| 30 | 2027-06 | 3559.87 | 401.97 | 3157.89 | 145263.16 |
| 31 | 2027-07 | 3551.32 | 393.42 | 3157.89 | 142105.26 |
| 32 | 2027-08 | 3542.76 | 384.87 | 3157.89 | 138947.37 |
| 33 | 2027-09 | 3534.21 | 376.32 | 3157.89 | 135789.47 |
| 34 | 2027-10 | 3525.66 | 367.76 | 3157.89 | 132631.58 |
| 35 | 2027-11 | 3517.11 | 359.21 | 3157.89 | 129473.68 |
| 36 | 2027-12 | 3508.55 | 350.66 | 3157.89 | 126315.79 |
| 37 | 2028-01 | 3500.00 | 342.11 | 3157.89 | 123157.89 |
| 38 | 2028-02 | 3491.45 | 333.55 | 3157.89 | 120000.00 |
| 39 | 2028-03 | 3482.89 | 325.00 | 3157.89 | 116842.11 |
| 40 | 2028-04 | 3474.34 | 316.45 | 3157.89 | 113684.21 |
| 41 | 2028-05 | 3465.79 | 307.89 | 3157.89 | 110526.32 |
| 42 | 2028-06 | 3457.24 | 299.34 | 3157.89 | 107368.42 |
| 43 | 2028-07 | 3448.68 | 290.79 | 3157.89 | 104210.53 |
| 44 | 2028-08 | 3440.13 | 282.24 | 3157.89 | 101052.63 |
| 45 | 2028-09 | 3431.58 | 273.68 | 3157.89 | 97894.74 |
| 46 | 2028-10 | 3423.03 | 265.13 | 3157.89 | 94736.84 |
| 47 | 2028-11 | 3414.47 | 256.58 | 3157.89 | 91578.95 |
| 48 | 2028-12 | 3405.92 | 248.03 | 3157.89 | 88421.05 |
| 49 | 2029-01 | 3397.37 | 239.47 | 3157.89 | 85263.16 |
| 50 | 2029-02 | 3388.82 | 230.92 | 3157.89 | 82105.26 |
| 51 | 2029-03 | 3380.26 | 222.37 | 3157.89 | 78947.37 |
| 52 | 2029-04 | 3371.71 | 213.82 | 3157.89 | 75789.47 |
| 53 | 2029-05 | 3363.16 | 205.26 | 3157.89 | 72631.58 |
| 54 | 2029-06 | 3354.61 | 196.71 | 3157.89 | 69473.68 |
| 55 | 2029-07 | 3346.05 | 188.16 | 3157.89 | 66315.79 |
| 56 | 2029-08 | 3337.50 | 179.61 | 3157.89 | 63157.89 |
| 57 | 2029-09 | 3328.95 | 171.05 | 3157.89 | 60000.00 |
| 58 | 2029-10 | 3320.39 | 162.50 | 3157.89 | 56842.11 |
| 59 | 2029-11 | 3311.84 | 153.95 | 3157.89 | 53684.21 |
| 60 | 2029-12 | 3303.29 | 145.39 | 3157.89 | 50526.32 |
| 61 | 2030-01 | 3294.74 | 136.84 | 3157.89 | 47368.42 |
| 62 | 2030-02 | 3286.18 | 128.29 | 3157.89 | 44210.53 |
| 63 | 2030-03 | 3277.63 | 119.74 | 3157.89 | 41052.63 |
| 64 | 2030-04 | 3269.08 | 111.18 | 3157.89 | 37894.74 |
| 65 | 2030-05 | 3260.53 | 102.63 | 3157.89 | 34736.84 |
| 66 | 2030-06 | 3251.97 | 94.08 | 3157.89 | 31578.95 |
| 67 | 2030-07 | 3243.42 | 85.53 | 3157.89 | 28421.05 |
| 68 | 2030-08 | 3234.87 | 76.97 | 3157.89 | 25263.16 |
| 69 | 2030-09 | 3226.32 | 68.42 | 3157.89 | 22105.26 |
| 70 | 2030-10 | 3217.76 | 59.87 | 3157.89 | 18947.37 |
| 71 | 2030-11 | 3209.21 | 51.32 | 3157.89 | 15789.47 |
| 72 | 2030-12 | 3200.66 | 42.76 | 3157.89 | 12631.58 |
| 73 | 2031-01 | 3192.11 | 34.21 | 3157.89 | 9473.68 |
| 74 | 2031-02 | 3183.55 | 25.66 | 3157.89 | 6315.79 |
| 75 | 2031-03 | 3175.00 | 17.11 | 3157.89 | 3157.89 |
| 76 | 2031-04 | 3166.45 | 8.55 | 3157.89 | 0.00 |