贷款6万（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：6万
还款月数：8年
每月还款：710.61元
利息总额：8218.38元
本息合计：6.82万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 710.61 | 162.50 | 548.11 | 59451.89 |
| 2 | 2025-03 | 710.61 | 161.02 | 549.59 | 58902.30 |
| 3 | 2025-04 | 710.61 | 159.53 | 551.08 | 58351.22 |
| 4 | 2025-05 | 710.61 | 158.03 | 552.57 | 57798.64 |
| 5 | 2025-06 | 710.61 | 156.54 | 554.07 | 57244.57 |
| 6 | 2025-07 | 710.61 | 155.04 | 555.57 | 56689.00 |
| 7 | 2025-08 | 710.61 | 153.53 | 557.08 | 56131.93 |
| 8 | 2025-09 | 710.61 | 152.02 | 558.58 | 55573.34 |
| 9 | 2025-10 | 710.61 | 150.51 | 560.10 | 55013.25 |
| 10 | 2025-11 | 710.61 | 148.99 | 561.61 | 54451.63 |
| 11 | 2025-12 | 710.61 | 147.47 | 563.13 | 53888.50 |
| 12 | 2026-01 | 710.61 | 145.95 | 564.66 | 53323.84 |
| 13 | 2026-02 | 710.61 | 144.42 | 566.19 | 52757.65 |
| 14 | 2026-03 | 710.61 | 142.89 | 567.72 | 52189.93 |
| 15 | 2026-04 | 710.61 | 141.35 | 569.26 | 51620.67 |
| 16 | 2026-05 | 710.61 | 139.81 | 570.80 | 51049.86 |
| 17 | 2026-06 | 710.61 | 138.26 | 572.35 | 50477.52 |
| 18 | 2026-07 | 710.61 | 136.71 | 573.90 | 49903.62 |
| 19 | 2026-08 | 710.61 | 135.16 | 575.45 | 49328.17 |
| 20 | 2026-09 | 710.61 | 133.60 | 577.01 | 48751.15 |
| 21 | 2026-10 | 710.61 | 132.03 | 578.57 | 48172.58 |
| 22 | 2026-11 | 710.61 | 130.47 | 580.14 | 47592.44 |
| 23 | 2026-12 | 710.61 | 128.90 | 581.71 | 47010.73 |
| 24 | 2027-01 | 710.61 | 127.32 | 583.29 | 46427.44 |
| 25 | 2027-02 | 710.61 | 125.74 | 584.87 | 45842.57 |
| 26 | 2027-03 | 710.61 | 124.16 | 586.45 | 45256.12 |
| 27 | 2027-04 | 710.61 | 122.57 | 588.04 | 44668.08 |
| 28 | 2027-05 | 710.61 | 120.98 | 589.63 | 44078.45 |
| 29 | 2027-06 | 710.61 | 119.38 | 591.23 | 43487.22 |
| 30 | 2027-07 | 710.61 | 117.78 | 592.83 | 42894.39 |
| 31 | 2027-08 | 710.61 | 116.17 | 594.44 | 42299.96 |
| 32 | 2027-09 | 710.61 | 114.56 | 596.05 | 41703.91 |
| 33 | 2027-10 | 710.61 | 112.95 | 597.66 | 41106.25 |
| 34 | 2027-11 | 710.61 | 111.33 | 599.28 | 40506.97 |
| 35 | 2027-12 | 710.61 | 109.71 | 600.90 | 39906.07 |
| 36 | 2028-01 | 710.61 | 108.08 | 602.53 | 39303.54 |
| 37 | 2028-02 | 710.61 | 106.45 | 604.16 | 38699.38 |
| 38 | 2028-03 | 710.61 | 104.81 | 605.80 | 38093.58 |
| 39 | 2028-04 | 710.61 | 103.17 | 607.44 | 37486.14 |
| 40 | 2028-05 | 710.61 | 101.52 | 609.08 | 36877.06 |
| 41 | 2028-06 | 710.61 | 99.88 | 610.73 | 36266.33 |
| 42 | 2028-07 | 710.61 | 98.22 | 612.39 | 35653.94 |
| 43 | 2028-08 | 710.61 | 96.56 | 614.05 | 35039.90 |
| 44 | 2028-09 | 710.61 | 94.90 | 615.71 | 34424.19 |
| 45 | 2028-10 | 710.61 | 93.23 | 617.38 | 33806.81 |
| 46 | 2028-11 | 710.61 | 91.56 | 619.05 | 33187.76 |
| 47 | 2028-12 | 710.61 | 89.88 | 620.72 | 32567.04 |
| 48 | 2029-01 | 710.61 | 88.20 | 622.41 | 31944.63 |
| 49 | 2029-02 | 710.61 | 86.52 | 624.09 | 31320.54 |
| 50 | 2029-03 | 710.61 | 84.83 | 625.78 | 30694.76 |
| 51 | 2029-04 | 710.61 | 83.13 | 627.48 | 30067.28 |
| 52 | 2029-05 | 710.61 | 81.43 | 629.18 | 29438.11 |
| 53 | 2029-06 | 710.61 | 79.73 | 630.88 | 28807.23 |
| 54 | 2029-07 | 710.61 | 78.02 | 632.59 | 28174.64 |
| 55 | 2029-08 | 710.61 | 76.31 | 634.30 | 27540.34 |
| 56 | 2029-09 | 710.61 | 74.59 | 636.02 | 26904.32 |
| 57 | 2029-10 | 710.61 | 72.87 | 637.74 | 26266.58 |
| 58 | 2029-11 | 710.61 | 71.14 | 639.47 | 25627.11 |
| 59 | 2029-12 | 710.61 | 69.41 | 641.20 | 24985.91 |
| 60 | 2030-01 | 710.61 | 67.67 | 642.94 | 24342.97 |
| 61 | 2030-02 | 710.61 | 65.93 | 644.68 | 23698.29 |
| 62 | 2030-03 | 710.61 | 64.18 | 646.43 | 23051.86 |
| 63 | 2030-04 | 710.61 | 62.43 | 648.18 | 22403.69 |
| 64 | 2030-05 | 710.61 | 60.68 | 649.93 | 21753.76 |
| 65 | 2030-06 | 710.61 | 58.92 | 651.69 | 21102.06 |
| 66 | 2030-07 | 710.61 | 57.15 | 653.46 | 20448.61 |
| 67 | 2030-08 | 710.61 | 55.38 | 655.23 | 19793.38 |
| 68 | 2030-09 | 710.61 | 53.61 | 657.00 | 19136.38 |
| 69 | 2030-10 | 710.61 | 51.83 | 658.78 | 18477.60 |
| 70 | 2030-11 | 710.61 | 50.04 | 660.56 | 17817.03 |
| 71 | 2030-12 | 710.61 | 48.25 | 662.35 | 17154.68 |
| 72 | 2031-01 | 710.61 | 46.46 | 664.15 | 16490.53 |
| 73 | 2031-02 | 710.61 | 44.66 | 665.95 | 15824.59 |
| 74 | 2031-03 | 710.61 | 42.86 | 667.75 | 15156.84 |
| 75 | 2031-04 | 710.61 | 41.05 | 669.56 | 14487.28 |
| 76 | 2031-05 | 710.61 | 39.24 | 671.37 | 13815.91 |
| 77 | 2031-06 | 710.61 | 37.42 | 673.19 | 13142.72 |
| 78 | 2031-07 | 710.61 | 35.59 | 675.01 | 12467.70 |
| 79 | 2031-08 | 710.61 | 33.77 | 676.84 | 11790.86 |
| 80 | 2031-09 | 710.61 | 31.93 | 678.67 | 11112.19 |
| 81 | 2031-10 | 710.61 | 30.10 | 680.51 | 10431.68 |
| 82 | 2031-11 | 710.61 | 28.25 | 682.36 | 9749.32 |
| 83 | 2031-12 | 710.61 | 26.40 | 684.20 | 9065.12 |
| 84 | 2032-01 | 710.61 | 24.55 | 686.06 | 8379.06 |
| 85 | 2032-02 | 710.61 | 22.69 | 687.91 | 7691.14 |
| 86 | 2032-03 | 710.61 | 20.83 | 689.78 | 7001.37 |
| 87 | 2032-04 | 710.61 | 18.96 | 691.65 | 6309.72 |
| 88 | 2032-05 | 710.61 | 17.09 | 693.52 | 5616.20 |
| 89 | 2032-06 | 710.61 | 15.21 | 695.40 | 4920.80 |
| 90 | 2032-07 | 710.61 | 13.33 | 697.28 | 4223.52 |
| 91 | 2032-08 | 710.61 | 11.44 | 699.17 | 3524.35 |
| 92 | 2032-09 | 710.61 | 9.55 | 701.06 | 2823.29 |
| 93 | 2032-10 | 710.61 | 7.65 | 702.96 | 2120.33 |
| 94 | 2032-11 | 710.61 | 5.74 | 704.87 | 1415.46 |
| 95 | 2032-12 | 710.61 | 3.83 | 706.77 | 708.69 |
| 96 | 2033-01 | 710.61 | 1.92 | 708.69 | 0.00 |
等额本金还款方式：
贷款总额：6万
还款月数：8年
首月还款：787.5元
每月递减：1.69元
利息总额：7881.25元
本息合计：6.79万
节省利息：337.13元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 787.50 | 162.50 | 625.00 | 59375.00 |
| 2 | 2025-03 | 785.81 | 160.81 | 625.00 | 58750.00 |
| 3 | 2025-04 | 784.11 | 159.11 | 625.00 | 58125.00 |
| 4 | 2025-05 | 782.42 | 157.42 | 625.00 | 57500.00 |
| 5 | 2025-06 | 780.73 | 155.73 | 625.00 | 56875.00 |
| 6 | 2025-07 | 779.04 | 154.04 | 625.00 | 56250.00 |
| 7 | 2025-08 | 777.34 | 152.34 | 625.00 | 55625.00 |
| 8 | 2025-09 | 775.65 | 150.65 | 625.00 | 55000.00 |
| 9 | 2025-10 | 773.96 | 148.96 | 625.00 | 54375.00 |
| 10 | 2025-11 | 772.27 | 147.27 | 625.00 | 53750.00 |
| 11 | 2025-12 | 770.57 | 145.57 | 625.00 | 53125.00 |
| 12 | 2026-01 | 768.88 | 143.88 | 625.00 | 52500.00 |
| 13 | 2026-02 | 767.19 | 142.19 | 625.00 | 51875.00 |
| 14 | 2026-03 | 765.49 | 140.49 | 625.00 | 51250.00 |
| 15 | 2026-04 | 763.80 | 138.80 | 625.00 | 50625.00 |
| 16 | 2026-05 | 762.11 | 137.11 | 625.00 | 50000.00 |
| 17 | 2026-06 | 760.42 | 135.42 | 625.00 | 49375.00 |
| 18 | 2026-07 | 758.72 | 133.72 | 625.00 | 48750.00 |
| 19 | 2026-08 | 757.03 | 132.03 | 625.00 | 48125.00 |
| 20 | 2026-09 | 755.34 | 130.34 | 625.00 | 47500.00 |
| 21 | 2026-10 | 753.65 | 128.65 | 625.00 | 46875.00 |
| 22 | 2026-11 | 751.95 | 126.95 | 625.00 | 46250.00 |
| 23 | 2026-12 | 750.26 | 125.26 | 625.00 | 45625.00 |
| 24 | 2027-01 | 748.57 | 123.57 | 625.00 | 45000.00 |
| 25 | 2027-02 | 746.88 | 121.88 | 625.00 | 44375.00 |
| 26 | 2027-03 | 745.18 | 120.18 | 625.00 | 43750.00 |
| 27 | 2027-04 | 743.49 | 118.49 | 625.00 | 43125.00 |
| 28 | 2027-05 | 741.80 | 116.80 | 625.00 | 42500.00 |
| 29 | 2027-06 | 740.10 | 115.10 | 625.00 | 41875.00 |
| 30 | 2027-07 | 738.41 | 113.41 | 625.00 | 41250.00 |
| 31 | 2027-08 | 736.72 | 111.72 | 625.00 | 40625.00 |
| 32 | 2027-09 | 735.03 | 110.03 | 625.00 | 40000.00 |
| 33 | 2027-10 | 733.33 | 108.33 | 625.00 | 39375.00 |
| 34 | 2027-11 | 731.64 | 106.64 | 625.00 | 38750.00 |
| 35 | 2027-12 | 729.95 | 104.95 | 625.00 | 38125.00 |
| 36 | 2028-01 | 728.26 | 103.26 | 625.00 | 37500.00 |
| 37 | 2028-02 | 726.56 | 101.56 | 625.00 | 36875.00 |
| 38 | 2028-03 | 724.87 | 99.87 | 625.00 | 36250.00 |
| 39 | 2028-04 | 723.18 | 98.18 | 625.00 | 35625.00 |
| 40 | 2028-05 | 721.48 | 96.48 | 625.00 | 35000.00 |
| 41 | 2028-06 | 719.79 | 94.79 | 625.00 | 34375.00 |
| 42 | 2028-07 | 718.10 | 93.10 | 625.00 | 33750.00 |
| 43 | 2028-08 | 716.41 | 91.41 | 625.00 | 33125.00 |
| 44 | 2028-09 | 714.71 | 89.71 | 625.00 | 32500.00 |
| 45 | 2028-10 | 713.02 | 88.02 | 625.00 | 31875.00 |
| 46 | 2028-11 | 711.33 | 86.33 | 625.00 | 31250.00 |
| 47 | 2028-12 | 709.64 | 84.64 | 625.00 | 30625.00 |
| 48 | 2029-01 | 707.94 | 82.94 | 625.00 | 30000.00 |
| 49 | 2029-02 | 706.25 | 81.25 | 625.00 | 29375.00 |
| 50 | 2029-03 | 704.56 | 79.56 | 625.00 | 28750.00 |
| 51 | 2029-04 | 702.86 | 77.86 | 625.00 | 28125.00 |
| 52 | 2029-05 | 701.17 | 76.17 | 625.00 | 27500.00 |
| 53 | 2029-06 | 699.48 | 74.48 | 625.00 | 26875.00 |
| 54 | 2029-07 | 697.79 | 72.79 | 625.00 | 26250.00 |
| 55 | 2029-08 | 696.09 | 71.09 | 625.00 | 25625.00 |
| 56 | 2029-09 | 694.40 | 69.40 | 625.00 | 25000.00 |
| 57 | 2029-10 | 692.71 | 67.71 | 625.00 | 24375.00 |
| 58 | 2029-11 | 691.02 | 66.02 | 625.00 | 23750.00 |
| 59 | 2029-12 | 689.32 | 64.32 | 625.00 | 23125.00 |
| 60 | 2030-01 | 687.63 | 62.63 | 625.00 | 22500.00 |
| 61 | 2030-02 | 685.94 | 60.94 | 625.00 | 21875.00 |
| 62 | 2030-03 | 684.24 | 59.24 | 625.00 | 21250.00 |
| 63 | 2030-04 | 682.55 | 57.55 | 625.00 | 20625.00 |
| 64 | 2030-05 | 680.86 | 55.86 | 625.00 | 20000.00 |
| 65 | 2030-06 | 679.17 | 54.17 | 625.00 | 19375.00 |
| 66 | 2030-07 | 677.47 | 52.47 | 625.00 | 18750.00 |
| 67 | 2030-08 | 675.78 | 50.78 | 625.00 | 18125.00 |
| 68 | 2030-09 | 674.09 | 49.09 | 625.00 | 17500.00 |
| 69 | 2030-10 | 672.40 | 47.40 | 625.00 | 16875.00 |
| 70 | 2030-11 | 670.70 | 45.70 | 625.00 | 16250.00 |
| 71 | 2030-12 | 669.01 | 44.01 | 625.00 | 15625.00 |
| 72 | 2031-01 | 667.32 | 42.32 | 625.00 | 15000.00 |
| 73 | 2031-02 | 665.63 | 40.63 | 625.00 | 14375.00 |
| 74 | 2031-03 | 663.93 | 38.93 | 625.00 | 13750.00 |
| 75 | 2031-04 | 662.24 | 37.24 | 625.00 | 13125.00 |
| 76 | 2031-05 | 660.55 | 35.55 | 625.00 | 12500.00 |
| 77 | 2031-06 | 658.85 | 33.85 | 625.00 | 11875.00 |
| 78 | 2031-07 | 657.16 | 32.16 | 625.00 | 11250.00 |
| 79 | 2031-08 | 655.47 | 30.47 | 625.00 | 10625.00 |
| 80 | 2031-09 | 653.78 | 28.78 | 625.00 | 10000.00 |
| 81 | 2031-10 | 652.08 | 27.08 | 625.00 | 9375.00 |
| 82 | 2031-11 | 650.39 | 25.39 | 625.00 | 8750.00 |
| 83 | 2031-12 | 648.70 | 23.70 | 625.00 | 8125.00 |
| 84 | 2032-01 | 647.01 | 22.01 | 625.00 | 7500.00 |
| 85 | 2032-02 | 645.31 | 20.31 | 625.00 | 6875.00 |
| 86 | 2032-03 | 643.62 | 18.62 | 625.00 | 6250.00 |
| 87 | 2032-04 | 641.93 | 16.93 | 625.00 | 5625.00 |
| 88 | 2032-05 | 640.23 | 15.23 | 625.00 | 5000.00 |
| 89 | 2032-06 | 638.54 | 13.54 | 625.00 | 4375.00 |
| 90 | 2032-07 | 636.85 | 11.85 | 625.00 | 3750.00 |
| 91 | 2032-08 | 635.16 | 10.16 | 625.00 | 3125.00 |
| 92 | 2032-09 | 633.46 | 8.46 | 625.00 | 2500.00 |
| 93 | 2032-10 | 631.77 | 6.77 | 625.00 | 1875.00 |
| 94 | 2032-11 | 630.08 | 5.08 | 625.00 | 1250.00 |
| 95 | 2032-12 | 628.39 | 3.39 | 625.00 | 625.00 |
| 96 | 2033-01 | 626.69 | 1.69 | 625.00 | 0.00 |