贷款8万（公积金贷款）房贷，还款6年1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：8万
还款月数：6年1个月
每月还款：1203.88元
利息总额：7883.27元
本息合计：8.79万
| 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 | 1203.88 | 206.67 | 997.21 | 79002.79 |
| 2 | 2025-02 | 1203.88 | 204.09 | 999.79 | 78003.00 |
| 3 | 2025-03 | 1203.88 | 201.51 | 1002.37 | 77000.62 |
| 4 | 2025-04 | 1203.88 | 198.92 | 1004.96 | 75995.66 |
| 5 | 2025-05 | 1203.88 | 196.32 | 1007.56 | 74988.10 |
| 6 | 2025-06 | 1203.88 | 193.72 | 1010.16 | 73977.94 |
| 7 | 2025-07 | 1203.88 | 191.11 | 1012.77 | 72965.17 |
| 8 | 2025-08 | 1203.88 | 188.49 | 1015.39 | 71949.78 |
| 9 | 2025-09 | 1203.88 | 185.87 | 1018.01 | 70931.77 |
| 10 | 2025-10 | 1203.88 | 183.24 | 1020.64 | 69911.13 |
| 11 | 2025-11 | 1203.88 | 180.60 | 1023.28 | 68887.86 |
| 12 | 2025-12 | 1203.88 | 177.96 | 1025.92 | 67861.94 |
| 13 | 2026-01 | 1203.88 | 175.31 | 1028.57 | 66833.37 |
| 14 | 2026-02 | 1203.88 | 172.65 | 1031.23 | 65802.14 |
| 15 | 2026-03 | 1203.88 | 169.99 | 1033.89 | 64768.25 |
| 16 | 2026-04 | 1203.88 | 167.32 | 1036.56 | 63731.69 |
| 17 | 2026-05 | 1203.88 | 164.64 | 1039.24 | 62692.45 |
| 18 | 2026-06 | 1203.88 | 161.96 | 1041.92 | 61650.52 |
| 19 | 2026-07 | 1203.88 | 159.26 | 1044.62 | 60605.90 |
| 20 | 2026-08 | 1203.88 | 156.57 | 1047.32 | 59558.59 |
| 21 | 2026-09 | 1203.88 | 153.86 | 1050.02 | 58508.57 |
| 22 | 2026-10 | 1203.88 | 151.15 | 1052.73 | 57455.84 |
| 23 | 2026-11 | 1203.88 | 148.43 | 1055.45 | 56400.38 |
| 24 | 2026-12 | 1203.88 | 145.70 | 1058.18 | 55342.20 |
| 25 | 2027-01 | 1203.88 | 142.97 | 1060.91 | 54281.29 |
| 26 | 2027-02 | 1203.88 | 140.23 | 1063.65 | 53217.64 |
| 27 | 2027-03 | 1203.88 | 137.48 | 1066.40 | 52151.23 |
| 28 | 2027-04 | 1203.88 | 134.72 | 1069.16 | 51082.08 |
| 29 | 2027-05 | 1203.88 | 131.96 | 1071.92 | 50010.16 |
| 30 | 2027-06 | 1203.88 | 129.19 | 1074.69 | 48935.47 |
| 31 | 2027-07 | 1203.88 | 126.42 | 1077.46 | 47858.01 |
| 32 | 2027-08 | 1203.88 | 123.63 | 1080.25 | 46777.76 |
| 33 | 2027-09 | 1203.88 | 120.84 | 1083.04 | 45694.72 |
| 34 | 2027-10 | 1203.88 | 118.04 | 1085.84 | 44608.89 |
| 35 | 2027-11 | 1203.88 | 115.24 | 1088.64 | 43520.25 |
| 36 | 2027-12 | 1203.88 | 112.43 | 1091.45 | 42428.79 |
| 37 | 2028-01 | 1203.88 | 109.61 | 1094.27 | 41334.52 |
| 38 | 2028-02 | 1203.88 | 106.78 | 1097.10 | 40237.42 |
| 39 | 2028-03 | 1203.88 | 103.95 | 1099.93 | 39137.49 |
| 40 | 2028-04 | 1203.88 | 101.11 | 1102.78 | 38034.71 |
| 41 | 2028-05 | 1203.88 | 98.26 | 1105.62 | 36929.09 |
| 42 | 2028-06 | 1203.88 | 95.40 | 1108.48 | 35820.61 |
| 43 | 2028-07 | 1203.88 | 92.54 | 1111.34 | 34709.27 |
| 44 | 2028-08 | 1203.88 | 89.67 | 1114.21 | 33595.05 |
| 45 | 2028-09 | 1203.88 | 86.79 | 1117.09 | 32477.96 |
| 46 | 2028-10 | 1203.88 | 83.90 | 1119.98 | 31357.98 |
| 47 | 2028-11 | 1203.88 | 81.01 | 1122.87 | 30235.11 |
| 48 | 2028-12 | 1203.88 | 78.11 | 1125.77 | 29109.33 |
| 49 | 2029-01 | 1203.88 | 75.20 | 1128.68 | 27980.65 |
| 50 | 2029-02 | 1203.88 | 72.28 | 1131.60 | 26849.05 |
| 51 | 2029-03 | 1203.88 | 69.36 | 1134.52 | 25714.53 |
| 52 | 2029-04 | 1203.88 | 66.43 | 1137.45 | 24577.08 |
| 53 | 2029-05 | 1203.88 | 63.49 | 1140.39 | 23436.69 |
| 54 | 2029-06 | 1203.88 | 60.54 | 1143.34 | 22293.36 |
| 55 | 2029-07 | 1203.88 | 57.59 | 1146.29 | 21147.07 |
| 56 | 2029-08 | 1203.88 | 54.63 | 1149.25 | 19997.82 |
| 57 | 2029-09 | 1203.88 | 51.66 | 1152.22 | 18845.60 |
| 58 | 2029-10 | 1203.88 | 48.68 | 1155.20 | 17690.40 |
| 59 | 2029-11 | 1203.88 | 45.70 | 1158.18 | 16532.22 |
| 60 | 2029-12 | 1203.88 | 42.71 | 1161.17 | 15371.05 |
| 61 | 2030-01 | 1203.88 | 39.71 | 1164.17 | 14206.88 |
| 62 | 2030-02 | 1203.88 | 36.70 | 1167.18 | 13039.70 |
| 63 | 2030-03 | 1203.88 | 33.69 | 1170.19 | 11869.51 |
| 64 | 2030-04 | 1203.88 | 30.66 | 1173.22 | 10696.29 |
| 65 | 2030-05 | 1203.88 | 27.63 | 1176.25 | 9520.04 |
| 66 | 2030-06 | 1203.88 | 24.59 | 1179.29 | 8340.75 |
| 67 | 2030-07 | 1203.88 | 21.55 | 1182.33 | 7158.42 |
| 68 | 2030-08 | 1203.88 | 18.49 | 1185.39 | 5973.03 |
| 69 | 2030-09 | 1203.88 | 15.43 | 1188.45 | 4784.58 |
| 70 | 2030-10 | 1203.88 | 12.36 | 1191.52 | 3593.06 |
| 71 | 2030-11 | 1203.88 | 9.28 | 1194.60 | 2398.46 |
| 72 | 2030-12 | 1203.88 | 6.20 | 1197.68 | 1200.78 |
| 73 | 2031-01 | 1203.88 | 3.10 | 1200.78 | 0.00 |
等额本金还款方式：
贷款总额：8万
还款月数：6年1个月
首月还款：1302.56元
每月递减：2.83元
利息总额：7646.67元
本息合计：8.76万
节省利息：236.6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 | 1302.56 | 206.67 | 1095.89 | 78904.11 |
| 2 | 2025-02 | 1299.73 | 203.84 | 1095.89 | 77808.22 |
| 3 | 2025-03 | 1296.89 | 201.00 | 1095.89 | 76712.33 |
| 4 | 2025-04 | 1294.06 | 198.17 | 1095.89 | 75616.44 |
| 5 | 2025-05 | 1291.23 | 195.34 | 1095.89 | 74520.55 |
| 6 | 2025-06 | 1288.40 | 192.51 | 1095.89 | 73424.66 |
| 7 | 2025-07 | 1285.57 | 189.68 | 1095.89 | 72328.77 |
| 8 | 2025-08 | 1282.74 | 186.85 | 1095.89 | 71232.88 |
| 9 | 2025-09 | 1279.91 | 184.02 | 1095.89 | 70136.99 |
| 10 | 2025-10 | 1277.08 | 181.19 | 1095.89 | 69041.10 |
| 11 | 2025-11 | 1274.25 | 178.36 | 1095.89 | 67945.21 |
| 12 | 2025-12 | 1271.42 | 175.53 | 1095.89 | 66849.32 |
| 13 | 2026-01 | 1268.58 | 172.69 | 1095.89 | 65753.42 |
| 14 | 2026-02 | 1265.75 | 169.86 | 1095.89 | 64657.53 |
| 15 | 2026-03 | 1262.92 | 167.03 | 1095.89 | 63561.64 |
| 16 | 2026-04 | 1260.09 | 164.20 | 1095.89 | 62465.75 |
| 17 | 2026-05 | 1257.26 | 161.37 | 1095.89 | 61369.86 |
| 18 | 2026-06 | 1254.43 | 158.54 | 1095.89 | 60273.97 |
| 19 | 2026-07 | 1251.60 | 155.71 | 1095.89 | 59178.08 |
| 20 | 2026-08 | 1248.77 | 152.88 | 1095.89 | 58082.19 |
| 21 | 2026-09 | 1245.94 | 150.05 | 1095.89 | 56986.30 |
| 22 | 2026-10 | 1243.11 | 147.21 | 1095.89 | 55890.41 |
| 23 | 2026-11 | 1240.27 | 144.38 | 1095.89 | 54794.52 |
| 24 | 2026-12 | 1237.44 | 141.55 | 1095.89 | 53698.63 |
| 25 | 2027-01 | 1234.61 | 138.72 | 1095.89 | 52602.74 |
| 26 | 2027-02 | 1231.78 | 135.89 | 1095.89 | 51506.85 |
| 27 | 2027-03 | 1228.95 | 133.06 | 1095.89 | 50410.96 |
| 28 | 2027-04 | 1226.12 | 130.23 | 1095.89 | 49315.07 |
| 29 | 2027-05 | 1223.29 | 127.40 | 1095.89 | 48219.18 |
| 30 | 2027-06 | 1220.46 | 124.57 | 1095.89 | 47123.29 |
| 31 | 2027-07 | 1217.63 | 121.74 | 1095.89 | 46027.40 |
| 32 | 2027-08 | 1214.79 | 118.90 | 1095.89 | 44931.51 |
| 33 | 2027-09 | 1211.96 | 116.07 | 1095.89 | 43835.62 |
| 34 | 2027-10 | 1209.13 | 113.24 | 1095.89 | 42739.73 |
| 35 | 2027-11 | 1206.30 | 110.41 | 1095.89 | 41643.84 |
| 36 | 2027-12 | 1203.47 | 107.58 | 1095.89 | 40547.95 |
| 37 | 2028-01 | 1200.64 | 104.75 | 1095.89 | 39452.05 |
| 38 | 2028-02 | 1197.81 | 101.92 | 1095.89 | 38356.16 |
| 39 | 2028-03 | 1194.98 | 99.09 | 1095.89 | 37260.27 |
| 40 | 2028-04 | 1192.15 | 96.26 | 1095.89 | 36164.38 |
| 41 | 2028-05 | 1189.32 | 93.42 | 1095.89 | 35068.49 |
| 42 | 2028-06 | 1186.48 | 90.59 | 1095.89 | 33972.60 |
| 43 | 2028-07 | 1183.65 | 87.76 | 1095.89 | 32876.71 |
| 44 | 2028-08 | 1180.82 | 84.93 | 1095.89 | 31780.82 |
| 45 | 2028-09 | 1177.99 | 82.10 | 1095.89 | 30684.93 |
| 46 | 2028-10 | 1175.16 | 79.27 | 1095.89 | 29589.04 |
| 47 | 2028-11 | 1172.33 | 76.44 | 1095.89 | 28493.15 |
| 48 | 2028-12 | 1169.50 | 73.61 | 1095.89 | 27397.26 |
| 49 | 2029-01 | 1166.67 | 70.78 | 1095.89 | 26301.37 |
| 50 | 2029-02 | 1163.84 | 67.95 | 1095.89 | 25205.48 |
| 51 | 2029-03 | 1161.00 | 65.11 | 1095.89 | 24109.59 |
| 52 | 2029-04 | 1158.17 | 62.28 | 1095.89 | 23013.70 |
| 53 | 2029-05 | 1155.34 | 59.45 | 1095.89 | 21917.81 |
| 54 | 2029-06 | 1152.51 | 56.62 | 1095.89 | 20821.92 |
| 55 | 2029-07 | 1149.68 | 53.79 | 1095.89 | 19726.03 |
| 56 | 2029-08 | 1146.85 | 50.96 | 1095.89 | 18630.14 |
| 57 | 2029-09 | 1144.02 | 48.13 | 1095.89 | 17534.25 |
| 58 | 2029-10 | 1141.19 | 45.30 | 1095.89 | 16438.36 |
| 59 | 2029-11 | 1138.36 | 42.47 | 1095.89 | 15342.47 |
| 60 | 2029-12 | 1135.53 | 39.63 | 1095.89 | 14246.58 |
| 61 | 2030-01 | 1132.69 | 36.80 | 1095.89 | 13150.68 |
| 62 | 2030-02 | 1129.86 | 33.97 | 1095.89 | 12054.79 |
| 63 | 2030-03 | 1127.03 | 31.14 | 1095.89 | 10958.90 |
| 64 | 2030-04 | 1124.20 | 28.31 | 1095.89 | 9863.01 |
| 65 | 2030-05 | 1121.37 | 25.48 | 1095.89 | 8767.12 |
| 66 | 2030-06 | 1118.54 | 22.65 | 1095.89 | 7671.23 |
| 67 | 2030-07 | 1115.71 | 19.82 | 1095.89 | 6575.34 |
| 68 | 2030-08 | 1112.88 | 16.99 | 1095.89 | 5479.45 |
| 69 | 2030-09 | 1110.05 | 14.16 | 1095.89 | 4383.56 |
| 70 | 2030-10 | 1107.21 | 11.32 | 1095.89 | 3287.67 |
| 71 | 2030-11 | 1104.38 | 8.49 | 1095.89 | 2191.78 |
| 72 | 2030-12 | 1101.55 | 5.66 | 1095.89 | 1095.89 |
| 73 | 2031-01 | 1098.72 | 2.83 | 1095.89 | 0.00 |