贷款150万（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：150万
还款月数：8年
每月还款：17816.66元
利息总额：21.04万
本息合计：171.04万
| 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 | 17816.66 | 4156.25 | 13660.41 | 1486339.59 |
| 2 | 2025-03 | 17816.66 | 4118.40 | 13698.26 | 1472641.34 |
| 3 | 2025-04 | 17816.66 | 4080.44 | 13736.21 | 1458905.12 |
| 4 | 2025-05 | 17816.66 | 4042.38 | 13774.27 | 1445130.85 |
| 5 | 2025-06 | 17816.66 | 4004.22 | 13812.44 | 1431318.41 |
| 6 | 2025-07 | 17816.66 | 3965.94 | 13850.71 | 1417467.70 |
| 7 | 2025-08 | 17816.66 | 3927.57 | 13889.09 | 1403578.61 |
| 8 | 2025-09 | 17816.66 | 3889.08 | 13927.57 | 1389651.03 |
| 9 | 2025-10 | 17816.66 | 3850.49 | 13966.17 | 1375684.87 |
| 10 | 2025-11 | 17816.66 | 3811.79 | 14004.86 | 1361680.00 |
| 11 | 2025-12 | 17816.66 | 3772.99 | 14043.67 | 1347636.33 |
| 12 | 2026-01 | 17816.66 | 3734.08 | 14082.58 | 1333553.75 |
| 13 | 2026-02 | 17816.66 | 3695.06 | 14121.60 | 1319432.15 |
| 14 | 2026-03 | 17816.66 | 3655.93 | 14160.73 | 1305271.42 |
| 15 | 2026-04 | 17816.66 | 3616.69 | 14199.97 | 1291071.45 |
| 16 | 2026-05 | 17816.66 | 3577.34 | 14239.31 | 1276832.14 |
| 17 | 2026-06 | 17816.66 | 3537.89 | 14278.77 | 1262553.37 |
| 18 | 2026-07 | 17816.66 | 3498.32 | 14318.33 | 1248235.04 |
| 19 | 2026-08 | 17816.66 | 3458.65 | 14358.01 | 1233877.03 |
| 20 | 2026-09 | 17816.66 | 3418.87 | 14397.79 | 1219479.24 |
| 21 | 2026-10 | 17816.66 | 3378.97 | 14437.68 | 1205041.56 |
| 22 | 2026-11 | 17816.66 | 3338.97 | 14477.69 | 1190563.87 |
| 23 | 2026-12 | 17816.66 | 3298.85 | 14517.80 | 1176046.07 |
| 24 | 2027-01 | 17816.66 | 3258.63 | 14558.03 | 1161488.04 |
| 25 | 2027-02 | 17816.66 | 3218.29 | 14598.37 | 1146889.67 |
| 26 | 2027-03 | 17816.66 | 3177.84 | 14638.82 | 1132250.86 |
| 27 | 2027-04 | 17816.66 | 3137.28 | 14679.38 | 1117571.48 |
| 28 | 2027-05 | 17816.66 | 3096.60 | 14720.05 | 1102851.43 |
| 29 | 2027-06 | 17816.66 | 3055.82 | 14760.84 | 1088090.59 |
| 30 | 2027-07 | 17816.66 | 3014.92 | 14801.74 | 1073288.85 |
| 31 | 2027-08 | 17816.66 | 2973.90 | 14842.75 | 1058446.10 |
| 32 | 2027-09 | 17816.66 | 2932.78 | 14883.88 | 1043562.22 |
| 33 | 2027-10 | 17816.66 | 2891.54 | 14925.12 | 1028637.10 |
| 34 | 2027-11 | 17816.66 | 2850.18 | 14966.47 | 1013670.62 |
| 35 | 2027-12 | 17816.66 | 2808.71 | 15007.94 | 998662.68 |
| 36 | 2028-01 | 17816.66 | 2767.13 | 15049.53 | 983613.15 |
| 37 | 2028-02 | 17816.66 | 2725.43 | 15091.23 | 968521.92 |
| 38 | 2028-03 | 17816.66 | 2683.61 | 15133.04 | 953388.87 |
| 39 | 2028-04 | 17816.66 | 2641.68 | 15174.98 | 938213.90 |
| 40 | 2028-05 | 17816.66 | 2599.63 | 15217.02 | 922996.88 |
| 41 | 2028-06 | 17816.66 | 2557.47 | 15259.19 | 907737.69 |
| 42 | 2028-07 | 17816.66 | 2515.19 | 15301.47 | 892436.22 |
| 43 | 2028-08 | 17816.66 | 2472.79 | 15343.86 | 877092.36 |
| 44 | 2028-09 | 17816.66 | 2430.28 | 15386.38 | 861705.98 |
| 45 | 2028-10 | 17816.66 | 2387.64 | 15429.01 | 846276.96 |
| 46 | 2028-11 | 17816.66 | 2344.89 | 15471.76 | 830805.20 |
| 47 | 2028-12 | 17816.66 | 2302.02 | 15514.63 | 815290.57 |
| 48 | 2029-01 | 17816.66 | 2259.03 | 15557.62 | 799732.94 |
| 49 | 2029-02 | 17816.66 | 2215.93 | 15600.73 | 784132.21 |
| 50 | 2029-03 | 17816.66 | 2172.70 | 15643.96 | 768488.26 |
| 51 | 2029-04 | 17816.66 | 2129.35 | 15687.30 | 752800.95 |
| 52 | 2029-05 | 17816.66 | 2085.89 | 15730.77 | 737070.18 |
| 53 | 2029-06 | 17816.66 | 2042.30 | 15774.36 | 721295.82 |
| 54 | 2029-07 | 17816.66 | 1998.59 | 15818.07 | 705477.76 |
| 55 | 2029-08 | 17816.66 | 1954.76 | 15861.90 | 689615.86 |
| 56 | 2029-09 | 17816.66 | 1910.81 | 15905.85 | 673710.01 |
| 57 | 2029-10 | 17816.66 | 1866.74 | 15949.92 | 657760.10 |
| 58 | 2029-11 | 17816.66 | 1822.54 | 15994.11 | 641765.98 |
| 59 | 2029-12 | 17816.66 | 1778.23 | 16038.43 | 625727.55 |
| 60 | 2030-01 | 17816.66 | 1733.79 | 16082.87 | 609644.68 |
| 61 | 2030-02 | 17816.66 | 1689.22 | 16127.43 | 593517.25 |
| 62 | 2030-03 | 17816.66 | 1644.54 | 16172.12 | 577345.13 |
| 63 | 2030-04 | 17816.66 | 1599.73 | 16216.93 | 561128.20 |
| 64 | 2030-05 | 17816.66 | 1554.79 | 16261.86 | 544866.33 |
| 65 | 2030-06 | 17816.66 | 1509.73 | 16306.92 | 528559.41 |
| 66 | 2030-07 | 17816.66 | 1464.55 | 16352.11 | 512207.30 |
| 67 | 2030-08 | 17816.66 | 1419.24 | 16397.42 | 495809.89 |
| 68 | 2030-09 | 17816.66 | 1373.81 | 16442.85 | 479367.04 |
| 69 | 2030-10 | 17816.66 | 1328.25 | 16488.41 | 462878.63 |
| 70 | 2030-11 | 17816.66 | 1282.56 | 16534.10 | 446344.53 |
| 71 | 2030-12 | 17816.66 | 1236.75 | 16579.91 | 429764.62 |
| 72 | 2031-01 | 17816.66 | 1190.81 | 16625.85 | 413138.77 |
| 73 | 2031-02 | 17816.66 | 1144.74 | 16671.92 | 396466.85 |
| 74 | 2031-03 | 17816.66 | 1098.54 | 16718.11 | 379748.74 |
| 75 | 2031-04 | 17816.66 | 1052.22 | 16764.44 | 362984.30 |
| 76 | 2031-05 | 17816.66 | 1005.77 | 16810.89 | 346173.41 |
| 77 | 2031-06 | 17816.66 | 959.19 | 16857.47 | 329315.94 |
| 78 | 2031-07 | 17816.66 | 912.48 | 16904.18 | 312411.77 |
| 79 | 2031-08 | 17816.66 | 865.64 | 16951.02 | 295460.75 |
| 80 | 2031-09 | 17816.66 | 818.67 | 16997.98 | 278462.77 |
| 81 | 2031-10 | 17816.66 | 771.57 | 17045.08 | 261417.68 |
| 82 | 2031-11 | 17816.66 | 724.34 | 17092.31 | 244325.37 |
| 83 | 2031-12 | 17816.66 | 676.98 | 17139.67 | 227185.70 |
| 84 | 2032-01 | 17816.66 | 629.49 | 17187.16 | 209998.54 |
| 85 | 2032-02 | 17816.66 | 581.87 | 17234.79 | 192763.75 |
| 86 | 2032-03 | 17816.66 | 534.12 | 17282.54 | 175481.21 |
| 87 | 2032-04 | 17816.66 | 486.23 | 17330.43 | 158150.78 |
| 88 | 2032-05 | 17816.66 | 438.21 | 17378.45 | 140772.33 |
| 89 | 2032-06 | 17816.66 | 390.06 | 17426.60 | 123345.73 |
| 90 | 2032-07 | 17816.66 | 341.77 | 17474.89 | 105870.85 |
| 91 | 2032-08 | 17816.66 | 293.35 | 17523.31 | 88347.54 |
| 92 | 2032-09 | 17816.66 | 244.80 | 17571.86 | 70775.68 |
| 93 | 2032-10 | 17816.66 | 196.11 | 17620.55 | 53155.13 |
| 94 | 2032-11 | 17816.66 | 147.28 | 17669.37 | 35485.76 |
| 95 | 2032-12 | 17816.66 | 98.33 | 17718.33 | 17767.43 |
| 96 | 2033-01 | 17816.66 | 49.23 | 17767.43 | 0.00 |
等额本金还款方式：
贷款总额：150万
还款月数：8年
首月还款：19781.25元
每月递减：43.29元
利息总额：20.16万
本息合计：170.16万
节省利息：8820.94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 | 19781.25 | 4156.25 | 15625.00 | 1484375.00 |
| 2 | 2025-03 | 19737.96 | 4112.96 | 15625.00 | 1468750.00 |
| 3 | 2025-04 | 19694.66 | 4069.66 | 15625.00 | 1453125.00 |
| 4 | 2025-05 | 19651.37 | 4026.37 | 15625.00 | 1437500.00 |
| 5 | 2025-06 | 19608.07 | 3983.07 | 15625.00 | 1421875.00 |
| 6 | 2025-07 | 19564.78 | 3939.78 | 15625.00 | 1406250.00 |
| 7 | 2025-08 | 19521.48 | 3896.48 | 15625.00 | 1390625.00 |
| 8 | 2025-09 | 19478.19 | 3853.19 | 15625.00 | 1375000.00 |
| 9 | 2025-10 | 19434.90 | 3809.90 | 15625.00 | 1359375.00 |
| 10 | 2025-11 | 19391.60 | 3766.60 | 15625.00 | 1343750.00 |
| 11 | 2025-12 | 19348.31 | 3723.31 | 15625.00 | 1328125.00 |
| 12 | 2026-01 | 19305.01 | 3680.01 | 15625.00 | 1312500.00 |
| 13 | 2026-02 | 19261.72 | 3636.72 | 15625.00 | 1296875.00 |
| 14 | 2026-03 | 19218.42 | 3593.42 | 15625.00 | 1281250.00 |
| 15 | 2026-04 | 19175.13 | 3550.13 | 15625.00 | 1265625.00 |
| 16 | 2026-05 | 19131.84 | 3506.84 | 15625.00 | 1250000.00 |
| 17 | 2026-06 | 19088.54 | 3463.54 | 15625.00 | 1234375.00 |
| 18 | 2026-07 | 19045.25 | 3420.25 | 15625.00 | 1218750.00 |
| 19 | 2026-08 | 19001.95 | 3376.95 | 15625.00 | 1203125.00 |
| 20 | 2026-09 | 18958.66 | 3333.66 | 15625.00 | 1187500.00 |
| 21 | 2026-10 | 18915.36 | 3290.36 | 15625.00 | 1171875.00 |
| 22 | 2026-11 | 18872.07 | 3247.07 | 15625.00 | 1156250.00 |
| 23 | 2026-12 | 18828.78 | 3203.78 | 15625.00 | 1140625.00 |
| 24 | 2027-01 | 18785.48 | 3160.48 | 15625.00 | 1125000.00 |
| 25 | 2027-02 | 18742.19 | 3117.19 | 15625.00 | 1109375.00 |
| 26 | 2027-03 | 18698.89 | 3073.89 | 15625.00 | 1093750.00 |
| 27 | 2027-04 | 18655.60 | 3030.60 | 15625.00 | 1078125.00 |
| 28 | 2027-05 | 18612.30 | 2987.30 | 15625.00 | 1062500.00 |
| 29 | 2027-06 | 18569.01 | 2944.01 | 15625.00 | 1046875.00 |
| 30 | 2027-07 | 18525.72 | 2900.72 | 15625.00 | 1031250.00 |
| 31 | 2027-08 | 18482.42 | 2857.42 | 15625.00 | 1015625.00 |
| 32 | 2027-09 | 18439.13 | 2814.13 | 15625.00 | 1000000.00 |
| 33 | 2027-10 | 18395.83 | 2770.83 | 15625.00 | 984375.00 |
| 34 | 2027-11 | 18352.54 | 2727.54 | 15625.00 | 968750.00 |
| 35 | 2027-12 | 18309.24 | 2684.24 | 15625.00 | 953125.00 |
| 36 | 2028-01 | 18265.95 | 2640.95 | 15625.00 | 937500.00 |
| 37 | 2028-02 | 18222.66 | 2597.66 | 15625.00 | 921875.00 |
| 38 | 2028-03 | 18179.36 | 2554.36 | 15625.00 | 906250.00 |
| 39 | 2028-04 | 18136.07 | 2511.07 | 15625.00 | 890625.00 |
| 40 | 2028-05 | 18092.77 | 2467.77 | 15625.00 | 875000.00 |
| 41 | 2028-06 | 18049.48 | 2424.48 | 15625.00 | 859375.00 |
| 42 | 2028-07 | 18006.18 | 2381.18 | 15625.00 | 843750.00 |
| 43 | 2028-08 | 17962.89 | 2337.89 | 15625.00 | 828125.00 |
| 44 | 2028-09 | 17919.60 | 2294.60 | 15625.00 | 812500.00 |
| 45 | 2028-10 | 17876.30 | 2251.30 | 15625.00 | 796875.00 |
| 46 | 2028-11 | 17833.01 | 2208.01 | 15625.00 | 781250.00 |
| 47 | 2028-12 | 17789.71 | 2164.71 | 15625.00 | 765625.00 |
| 48 | 2029-01 | 17746.42 | 2121.42 | 15625.00 | 750000.00 |
| 49 | 2029-02 | 17703.13 | 2078.13 | 15625.00 | 734375.00 |
| 50 | 2029-03 | 17659.83 | 2034.83 | 15625.00 | 718750.00 |
| 51 | 2029-04 | 17616.54 | 1991.54 | 15625.00 | 703125.00 |
| 52 | 2029-05 | 17573.24 | 1948.24 | 15625.00 | 687500.00 |
| 53 | 2029-06 | 17529.95 | 1904.95 | 15625.00 | 671875.00 |
| 54 | 2029-07 | 17486.65 | 1861.65 | 15625.00 | 656250.00 |
| 55 | 2029-08 | 17443.36 | 1818.36 | 15625.00 | 640625.00 |
| 56 | 2029-09 | 17400.07 | 1775.07 | 15625.00 | 625000.00 |
| 57 | 2029-10 | 17356.77 | 1731.77 | 15625.00 | 609375.00 |
| 58 | 2029-11 | 17313.48 | 1688.48 | 15625.00 | 593750.00 |
| 59 | 2029-12 | 17270.18 | 1645.18 | 15625.00 | 578125.00 |
| 60 | 2030-01 | 17226.89 | 1601.89 | 15625.00 | 562500.00 |
| 61 | 2030-02 | 17183.59 | 1558.59 | 15625.00 | 546875.00 |
| 62 | 2030-03 | 17140.30 | 1515.30 | 15625.00 | 531250.00 |
| 63 | 2030-04 | 17097.01 | 1472.01 | 15625.00 | 515625.00 |
| 64 | 2030-05 | 17053.71 | 1428.71 | 15625.00 | 500000.00 |
| 65 | 2030-06 | 17010.42 | 1385.42 | 15625.00 | 484375.00 |
| 66 | 2030-07 | 16967.12 | 1342.12 | 15625.00 | 468750.00 |
| 67 | 2030-08 | 16923.83 | 1298.83 | 15625.00 | 453125.00 |
| 68 | 2030-09 | 16880.53 | 1255.53 | 15625.00 | 437500.00 |
| 69 | 2030-10 | 16837.24 | 1212.24 | 15625.00 | 421875.00 |
| 70 | 2030-11 | 16793.95 | 1168.95 | 15625.00 | 406250.00 |
| 71 | 2030-12 | 16750.65 | 1125.65 | 15625.00 | 390625.00 |
| 72 | 2031-01 | 16707.36 | 1082.36 | 15625.00 | 375000.00 |
| 73 | 2031-02 | 16664.06 | 1039.06 | 15625.00 | 359375.00 |
| 74 | 2031-03 | 16620.77 | 995.77 | 15625.00 | 343750.00 |
| 75 | 2031-04 | 16577.47 | 952.47 | 15625.00 | 328125.00 |
| 76 | 2031-05 | 16534.18 | 909.18 | 15625.00 | 312500.00 |
| 77 | 2031-06 | 16490.89 | 865.89 | 15625.00 | 296875.00 |
| 78 | 2031-07 | 16447.59 | 822.59 | 15625.00 | 281250.00 |
| 79 | 2031-08 | 16404.30 | 779.30 | 15625.00 | 265625.00 |
| 80 | 2031-09 | 16361.00 | 736.00 | 15625.00 | 250000.00 |
| 81 | 2031-10 | 16317.71 | 692.71 | 15625.00 | 234375.00 |
| 82 | 2031-11 | 16274.41 | 649.41 | 15625.00 | 218750.00 |
| 83 | 2031-12 | 16231.12 | 606.12 | 15625.00 | 203125.00 |
| 84 | 2032-01 | 16187.83 | 562.83 | 15625.00 | 187500.00 |
| 85 | 2032-02 | 16144.53 | 519.53 | 15625.00 | 171875.00 |
| 86 | 2032-03 | 16101.24 | 476.24 | 15625.00 | 156250.00 |
| 87 | 2032-04 | 16057.94 | 432.94 | 15625.00 | 140625.00 |
| 88 | 2032-05 | 16014.65 | 389.65 | 15625.00 | 125000.00 |
| 89 | 2032-06 | 15971.35 | 346.35 | 15625.00 | 109375.00 |
| 90 | 2032-07 | 15928.06 | 303.06 | 15625.00 | 93750.00 |
| 91 | 2032-08 | 15884.77 | 259.77 | 15625.00 | 78125.00 |
| 92 | 2032-09 | 15841.47 | 216.47 | 15625.00 | 62500.00 |
| 93 | 2032-10 | 15798.18 | 173.18 | 15625.00 | 46875.00 |
| 94 | 2032-11 | 15754.88 | 129.88 | 15625.00 | 31250.00 |
| 95 | 2032-12 | 15711.59 | 86.59 | 15625.00 | 15625.00 |
| 96 | 2033-01 | 15668.29 | 43.29 | 15625.00 | 0.00 |