贷款26万（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：26万
还款月数：8年
每月还款：3079.3元
利息总额：3.56万
本息合计：29.56万
| 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 | 3079.30 | 704.17 | 2375.14 | 257624.86 |
| 2 | 2025-03 | 3079.30 | 697.73 | 2381.57 | 255243.30 |
| 3 | 2025-04 | 3079.30 | 691.28 | 2388.02 | 252855.28 |
| 4 | 2025-05 | 3079.30 | 684.82 | 2394.49 | 250460.79 |
| 5 | 2025-06 | 3079.30 | 678.33 | 2400.97 | 248059.82 |
| 6 | 2025-07 | 3079.30 | 671.83 | 2407.47 | 245652.35 |
| 7 | 2025-08 | 3079.30 | 665.31 | 2413.99 | 243238.36 |
| 8 | 2025-09 | 3079.30 | 658.77 | 2420.53 | 240817.83 |
| 9 | 2025-10 | 3079.30 | 652.21 | 2427.09 | 238390.74 |
| 10 | 2025-11 | 3079.30 | 645.64 | 2433.66 | 235957.08 |
| 11 | 2025-12 | 3079.30 | 639.05 | 2440.25 | 233516.83 |
| 12 | 2026-01 | 3079.30 | 632.44 | 2446.86 | 231069.97 |
| 13 | 2026-02 | 3079.30 | 625.81 | 2453.49 | 228616.48 |
| 14 | 2026-03 | 3079.30 | 619.17 | 2460.13 | 226156.35 |
| 15 | 2026-04 | 3079.30 | 612.51 | 2466.80 | 223689.55 |
| 16 | 2026-05 | 3079.30 | 605.83 | 2473.48 | 221216.08 |
| 17 | 2026-06 | 3079.30 | 599.13 | 2480.17 | 218735.90 |
| 18 | 2026-07 | 3079.30 | 592.41 | 2486.89 | 216249.01 |
| 19 | 2026-08 | 3079.30 | 585.67 | 2493.63 | 213755.38 |
| 20 | 2026-09 | 3079.30 | 578.92 | 2500.38 | 211255.00 |
| 21 | 2026-10 | 3079.30 | 572.15 | 2507.15 | 208747.85 |
| 22 | 2026-11 | 3079.30 | 565.36 | 2513.94 | 206233.91 |
| 23 | 2026-12 | 3079.30 | 558.55 | 2520.75 | 203713.15 |
| 24 | 2027-01 | 3079.30 | 551.72 | 2527.58 | 201185.58 |
| 25 | 2027-02 | 3079.30 | 544.88 | 2534.42 | 198651.15 |
| 26 | 2027-03 | 3079.30 | 538.01 | 2541.29 | 196109.86 |
| 27 | 2027-04 | 3079.30 | 531.13 | 2548.17 | 193561.69 |
| 28 | 2027-05 | 3079.30 | 524.23 | 2555.07 | 191006.62 |
| 29 | 2027-06 | 3079.30 | 517.31 | 2561.99 | 188444.63 |
| 30 | 2027-07 | 3079.30 | 510.37 | 2568.93 | 185875.70 |
| 31 | 2027-08 | 3079.30 | 503.41 | 2575.89 | 183299.81 |
| 32 | 2027-09 | 3079.30 | 496.44 | 2582.86 | 180716.94 |
| 33 | 2027-10 | 3079.30 | 489.44 | 2589.86 | 178127.08 |
| 34 | 2027-11 | 3079.30 | 482.43 | 2596.87 | 175530.21 |
| 35 | 2027-12 | 3079.30 | 475.39 | 2603.91 | 172926.30 |
| 36 | 2028-01 | 3079.30 | 468.34 | 2610.96 | 170315.34 |
| 37 | 2028-02 | 3079.30 | 461.27 | 2618.03 | 167697.31 |
| 38 | 2028-03 | 3079.30 | 454.18 | 2625.12 | 165072.19 |
| 39 | 2028-04 | 3079.30 | 447.07 | 2632.23 | 162439.96 |
| 40 | 2028-05 | 3079.30 | 439.94 | 2639.36 | 159800.60 |
| 41 | 2028-06 | 3079.30 | 432.79 | 2646.51 | 157154.09 |
| 42 | 2028-07 | 3079.30 | 425.63 | 2653.68 | 154500.41 |
| 43 | 2028-08 | 3079.30 | 418.44 | 2660.86 | 151839.55 |
| 44 | 2028-09 | 3079.30 | 411.23 | 2668.07 | 149171.48 |
| 45 | 2028-10 | 3079.30 | 404.01 | 2675.30 | 146496.18 |
| 46 | 2028-11 | 3079.30 | 396.76 | 2682.54 | 143813.64 |
| 47 | 2028-12 | 3079.30 | 389.50 | 2689.81 | 141123.84 |
| 48 | 2029-01 | 3079.30 | 382.21 | 2697.09 | 138426.75 |
| 49 | 2029-02 | 3079.30 | 374.91 | 2704.40 | 135722.35 |
| 50 | 2029-03 | 3079.30 | 367.58 | 2711.72 | 133010.63 |
| 51 | 2029-04 | 3079.30 | 360.24 | 2719.06 | 130291.56 |
| 52 | 2029-05 | 3079.30 | 352.87 | 2726.43 | 127565.14 |
| 53 | 2029-06 | 3079.30 | 345.49 | 2733.81 | 124831.32 |
| 54 | 2029-07 | 3079.30 | 338.08 | 2741.22 | 122090.11 |
| 55 | 2029-08 | 3079.30 | 330.66 | 2748.64 | 119341.46 |
| 56 | 2029-09 | 3079.30 | 323.22 | 2756.09 | 116585.38 |
| 57 | 2029-10 | 3079.30 | 315.75 | 2763.55 | 113821.83 |
| 58 | 2029-11 | 3079.30 | 308.27 | 2771.03 | 111050.80 |
| 59 | 2029-12 | 3079.30 | 300.76 | 2778.54 | 108272.26 |
| 60 | 2030-01 | 3079.30 | 293.24 | 2786.06 | 105486.19 |
| 61 | 2030-02 | 3079.30 | 285.69 | 2793.61 | 102692.58 |
| 62 | 2030-03 | 3079.30 | 278.13 | 2801.18 | 99891.41 |
| 63 | 2030-04 | 3079.30 | 270.54 | 2808.76 | 97082.64 |
| 64 | 2030-05 | 3079.30 | 262.93 | 2816.37 | 94266.27 |
| 65 | 2030-06 | 3079.30 | 255.30 | 2824.00 | 91442.28 |
| 66 | 2030-07 | 3079.30 | 247.66 | 2831.65 | 88610.63 |
| 67 | 2030-08 | 3079.30 | 239.99 | 2839.31 | 85771.32 |
| 68 | 2030-09 | 3079.30 | 232.30 | 2847.00 | 82924.31 |
| 69 | 2030-10 | 3079.30 | 224.59 | 2854.72 | 80069.60 |
| 70 | 2030-11 | 3079.30 | 216.86 | 2862.45 | 77207.15 |
| 71 | 2030-12 | 3079.30 | 209.10 | 2870.20 | 74336.95 |
| 72 | 2031-01 | 3079.30 | 201.33 | 2877.97 | 71458.98 |
| 73 | 2031-02 | 3079.30 | 193.53 | 2885.77 | 68573.21 |
| 74 | 2031-03 | 3079.30 | 185.72 | 2893.58 | 65679.63 |
| 75 | 2031-04 | 3079.30 | 177.88 | 2901.42 | 62778.21 |
| 76 | 2031-05 | 3079.30 | 170.02 | 2909.28 | 59868.93 |
| 77 | 2031-06 | 3079.30 | 162.15 | 2917.16 | 56951.77 |
| 78 | 2031-07 | 3079.30 | 154.24 | 2925.06 | 54026.72 |
| 79 | 2031-08 | 3079.30 | 146.32 | 2932.98 | 51093.74 |
| 80 | 2031-09 | 3079.30 | 138.38 | 2940.92 | 48152.82 |
| 81 | 2031-10 | 3079.30 | 130.41 | 2948.89 | 45203.93 |
| 82 | 2031-11 | 3079.30 | 122.43 | 2956.87 | 42247.05 |
| 83 | 2031-12 | 3079.30 | 114.42 | 2964.88 | 39282.17 |
| 84 | 2032-01 | 3079.30 | 106.39 | 2972.91 | 36309.26 |
| 85 | 2032-02 | 3079.30 | 98.34 | 2980.96 | 33328.29 |
| 86 | 2032-03 | 3079.30 | 90.26 | 2989.04 | 30339.26 |
| 87 | 2032-04 | 3079.30 | 82.17 | 2997.13 | 27342.12 |
| 88 | 2032-05 | 3079.30 | 74.05 | 3005.25 | 24336.87 |
| 89 | 2032-06 | 3079.30 | 65.91 | 3013.39 | 21323.48 |
| 90 | 2032-07 | 3079.30 | 57.75 | 3021.55 | 18301.93 |
| 91 | 2032-08 | 3079.30 | 49.57 | 3029.73 | 15272.20 |
| 92 | 2032-09 | 3079.30 | 41.36 | 3037.94 | 12234.26 |
| 93 | 2032-10 | 3079.30 | 33.13 | 3046.17 | 9188.09 |
| 94 | 2032-11 | 3079.30 | 24.88 | 3054.42 | 6133.67 |
| 95 | 2032-12 | 3079.30 | 16.61 | 3062.69 | 3070.98 |
| 96 | 2033-01 | 3079.30 | 8.32 | 3070.98 | 0.00 |
等额本金还款方式：
贷款总额：26万
还款月数：8年
首月还款：3412.5元
每月递减：7.34元
利息总额：3.42万
本息合计：29.42万
节省利息：1460.89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 | 3412.50 | 704.17 | 2708.33 | 257291.67 |
| 2 | 2025-03 | 3405.16 | 696.83 | 2708.33 | 254583.33 |
| 3 | 2025-04 | 3397.83 | 689.50 | 2708.33 | 251875.00 |
| 4 | 2025-05 | 3390.49 | 682.16 | 2708.33 | 249166.67 |
| 5 | 2025-06 | 3383.16 | 674.83 | 2708.33 | 246458.33 |
| 6 | 2025-07 | 3375.82 | 667.49 | 2708.33 | 243750.00 |
| 7 | 2025-08 | 3368.49 | 660.16 | 2708.33 | 241041.67 |
| 8 | 2025-09 | 3361.15 | 652.82 | 2708.33 | 238333.33 |
| 9 | 2025-10 | 3353.82 | 645.49 | 2708.33 | 235625.00 |
| 10 | 2025-11 | 3346.48 | 638.15 | 2708.33 | 232916.67 |
| 11 | 2025-12 | 3339.15 | 630.82 | 2708.33 | 230208.33 |
| 12 | 2026-01 | 3331.81 | 623.48 | 2708.33 | 227500.00 |
| 13 | 2026-02 | 3324.48 | 616.15 | 2708.33 | 224791.67 |
| 14 | 2026-03 | 3317.14 | 608.81 | 2708.33 | 222083.33 |
| 15 | 2026-04 | 3309.81 | 601.48 | 2708.33 | 219375.00 |
| 16 | 2026-05 | 3302.47 | 594.14 | 2708.33 | 216666.67 |
| 17 | 2026-06 | 3295.14 | 586.81 | 2708.33 | 213958.33 |
| 18 | 2026-07 | 3287.80 | 579.47 | 2708.33 | 211250.00 |
| 19 | 2026-08 | 3280.47 | 572.14 | 2708.33 | 208541.67 |
| 20 | 2026-09 | 3273.13 | 564.80 | 2708.33 | 205833.33 |
| 21 | 2026-10 | 3265.80 | 557.47 | 2708.33 | 203125.00 |
| 22 | 2026-11 | 3258.46 | 550.13 | 2708.33 | 200416.67 |
| 23 | 2026-12 | 3251.13 | 542.80 | 2708.33 | 197708.33 |
| 24 | 2027-01 | 3243.79 | 535.46 | 2708.33 | 195000.00 |
| 25 | 2027-02 | 3236.46 | 528.13 | 2708.33 | 192291.67 |
| 26 | 2027-03 | 3229.12 | 520.79 | 2708.33 | 189583.33 |
| 27 | 2027-04 | 3221.79 | 513.45 | 2708.33 | 186875.00 |
| 28 | 2027-05 | 3214.45 | 506.12 | 2708.33 | 184166.67 |
| 29 | 2027-06 | 3207.12 | 498.78 | 2708.33 | 181458.33 |
| 30 | 2027-07 | 3199.78 | 491.45 | 2708.33 | 178750.00 |
| 31 | 2027-08 | 3192.45 | 484.11 | 2708.33 | 176041.67 |
| 32 | 2027-09 | 3185.11 | 476.78 | 2708.33 | 173333.33 |
| 33 | 2027-10 | 3177.78 | 469.44 | 2708.33 | 170625.00 |
| 34 | 2027-11 | 3170.44 | 462.11 | 2708.33 | 167916.67 |
| 35 | 2027-12 | 3163.11 | 454.77 | 2708.33 | 165208.33 |
| 36 | 2028-01 | 3155.77 | 447.44 | 2708.33 | 162500.00 |
| 37 | 2028-02 | 3148.44 | 440.10 | 2708.33 | 159791.67 |
| 38 | 2028-03 | 3141.10 | 432.77 | 2708.33 | 157083.33 |
| 39 | 2028-04 | 3133.77 | 425.43 | 2708.33 | 154375.00 |
| 40 | 2028-05 | 3126.43 | 418.10 | 2708.33 | 151666.67 |
| 41 | 2028-06 | 3119.10 | 410.76 | 2708.33 | 148958.33 |
| 42 | 2028-07 | 3111.76 | 403.43 | 2708.33 | 146250.00 |
| 43 | 2028-08 | 3104.43 | 396.09 | 2708.33 | 143541.67 |
| 44 | 2028-09 | 3097.09 | 388.76 | 2708.33 | 140833.33 |
| 45 | 2028-10 | 3089.76 | 381.42 | 2708.33 | 138125.00 |
| 46 | 2028-11 | 3082.42 | 374.09 | 2708.33 | 135416.67 |
| 47 | 2028-12 | 3075.09 | 366.75 | 2708.33 | 132708.33 |
| 48 | 2029-01 | 3067.75 | 359.42 | 2708.33 | 130000.00 |
| 49 | 2029-02 | 3060.42 | 352.08 | 2708.33 | 127291.67 |
| 50 | 2029-03 | 3053.08 | 344.75 | 2708.33 | 124583.33 |
| 51 | 2029-04 | 3045.75 | 337.41 | 2708.33 | 121875.00 |
| 52 | 2029-05 | 3038.41 | 330.08 | 2708.33 | 119166.67 |
| 53 | 2029-06 | 3031.08 | 322.74 | 2708.33 | 116458.33 |
| 54 | 2029-07 | 3023.74 | 315.41 | 2708.33 | 113750.00 |
| 55 | 2029-08 | 3016.41 | 308.07 | 2708.33 | 111041.67 |
| 56 | 2029-09 | 3009.07 | 300.74 | 2708.33 | 108333.33 |
| 57 | 2029-10 | 3001.74 | 293.40 | 2708.33 | 105625.00 |
| 58 | 2029-11 | 2994.40 | 286.07 | 2708.33 | 102916.67 |
| 59 | 2029-12 | 2987.07 | 278.73 | 2708.33 | 100208.33 |
| 60 | 2030-01 | 2979.73 | 271.40 | 2708.33 | 97500.00 |
| 61 | 2030-02 | 2972.40 | 264.06 | 2708.33 | 94791.67 |
| 62 | 2030-03 | 2965.06 | 256.73 | 2708.33 | 92083.33 |
| 63 | 2030-04 | 2957.73 | 249.39 | 2708.33 | 89375.00 |
| 64 | 2030-05 | 2950.39 | 242.06 | 2708.33 | 86666.67 |
| 65 | 2030-06 | 2943.06 | 234.72 | 2708.33 | 83958.33 |
| 66 | 2030-07 | 2935.72 | 227.39 | 2708.33 | 81250.00 |
| 67 | 2030-08 | 2928.39 | 220.05 | 2708.33 | 78541.67 |
| 68 | 2030-09 | 2921.05 | 212.72 | 2708.33 | 75833.33 |
| 69 | 2030-10 | 2913.72 | 205.38 | 2708.33 | 73125.00 |
| 70 | 2030-11 | 2906.38 | 198.05 | 2708.33 | 70416.67 |
| 71 | 2030-12 | 2899.05 | 190.71 | 2708.33 | 67708.33 |
| 72 | 2031-01 | 2891.71 | 183.38 | 2708.33 | 65000.00 |
| 73 | 2031-02 | 2884.38 | 176.04 | 2708.33 | 62291.67 |
| 74 | 2031-03 | 2877.04 | 168.71 | 2708.33 | 59583.33 |
| 75 | 2031-04 | 2869.70 | 161.37 | 2708.33 | 56875.00 |
| 76 | 2031-05 | 2862.37 | 154.04 | 2708.33 | 54166.67 |
| 77 | 2031-06 | 2855.03 | 146.70 | 2708.33 | 51458.33 |
| 78 | 2031-07 | 2847.70 | 139.37 | 2708.33 | 48750.00 |
| 79 | 2031-08 | 2840.36 | 132.03 | 2708.33 | 46041.67 |
| 80 | 2031-09 | 2833.03 | 124.70 | 2708.33 | 43333.33 |
| 81 | 2031-10 | 2825.69 | 117.36 | 2708.33 | 40625.00 |
| 82 | 2031-11 | 2818.36 | 110.03 | 2708.33 | 37916.67 |
| 83 | 2031-12 | 2811.02 | 102.69 | 2708.33 | 35208.33 |
| 84 | 2032-01 | 2803.69 | 95.36 | 2708.33 | 32500.00 |
| 85 | 2032-02 | 2796.35 | 88.02 | 2708.33 | 29791.67 |
| 86 | 2032-03 | 2789.02 | 80.69 | 2708.33 | 27083.33 |
| 87 | 2032-04 | 2781.68 | 73.35 | 2708.33 | 24375.00 |
| 88 | 2032-05 | 2774.35 | 66.02 | 2708.33 | 21666.67 |
| 89 | 2032-06 | 2767.01 | 58.68 | 2708.33 | 18958.33 |
| 90 | 2032-07 | 2759.68 | 51.35 | 2708.33 | 16250.00 |
| 91 | 2032-08 | 2752.34 | 44.01 | 2708.33 | 13541.67 |
| 92 | 2032-09 | 2745.01 | 36.68 | 2708.33 | 10833.33 |
| 93 | 2032-10 | 2737.67 | 29.34 | 2708.33 | 8125.00 |
| 94 | 2032-11 | 2730.34 | 22.01 | 2708.33 | 5416.67 |
| 95 | 2032-12 | 2723.00 | 14.67 | 2708.33 | 2708.33 |
| 96 | 2033-01 | 2715.67 | 7.34 | 2708.33 | 0.00 |