贷款150万（公积金贷款）房贷，还款6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：6年
每月还款：23009.26元
利息总额：15.67万
本息合计：165.67万
| 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 | 23009.26 | 4156.25 | 18853.01 | 1481146.99 |
| 2 | 2025-03 | 23009.26 | 4104.01 | 18905.25 | 1462241.73 |
| 3 | 2025-04 | 23009.26 | 4051.63 | 18957.64 | 1443284.10 |
| 4 | 2025-05 | 23009.26 | 3999.10 | 19010.16 | 1424273.93 |
| 5 | 2025-06 | 23009.26 | 3946.43 | 19062.84 | 1405211.09 |
| 6 | 2025-07 | 23009.26 | 3893.61 | 19115.66 | 1386095.43 |
| 7 | 2025-08 | 23009.26 | 3840.64 | 19168.62 | 1366926.81 |
| 8 | 2025-09 | 23009.26 | 3787.53 | 19221.74 | 1347705.07 |
| 9 | 2025-10 | 23009.26 | 3734.27 | 19275.00 | 1328430.07 |
| 10 | 2025-11 | 23009.26 | 3680.86 | 19328.41 | 1309101.67 |
| 11 | 2025-12 | 23009.26 | 3627.30 | 19381.96 | 1289719.71 |
| 12 | 2026-01 | 23009.26 | 3573.60 | 19435.67 | 1270284.04 |
| 13 | 2026-02 | 23009.26 | 3519.75 | 19489.52 | 1250794.52 |
| 14 | 2026-03 | 23009.26 | 3465.74 | 19543.52 | 1231251.00 |
| 15 | 2026-04 | 23009.26 | 3411.59 | 19597.67 | 1211653.33 |
| 16 | 2026-05 | 23009.26 | 3357.29 | 19651.97 | 1192001.35 |
| 17 | 2026-06 | 23009.26 | 3302.84 | 19706.43 | 1172294.92 |
| 18 | 2026-07 | 23009.26 | 3248.23 | 19761.03 | 1152533.89 |
| 19 | 2026-08 | 23009.26 | 3193.48 | 19815.79 | 1132718.11 |
| 20 | 2026-09 | 23009.26 | 3138.57 | 19870.69 | 1112847.42 |
| 21 | 2026-10 | 23009.26 | 3083.51 | 19925.75 | 1092921.67 |
| 22 | 2026-11 | 23009.26 | 3028.30 | 19980.96 | 1072940.71 |
| 23 | 2026-12 | 23009.26 | 2972.94 | 20036.32 | 1052904.38 |
| 24 | 2027-01 | 23009.26 | 2917.42 | 20091.84 | 1032812.54 |
| 25 | 2027-02 | 23009.26 | 2861.75 | 20147.51 | 1012665.03 |
| 26 | 2027-03 | 23009.26 | 2805.93 | 20203.34 | 992461.69 |
| 27 | 2027-04 | 23009.26 | 2749.95 | 20259.32 | 972202.37 |
| 28 | 2027-05 | 23009.26 | 2693.81 | 20315.45 | 951886.92 |
| 29 | 2027-06 | 23009.26 | 2637.52 | 20371.74 | 931515.17 |
| 30 | 2027-07 | 23009.26 | 2581.07 | 20428.19 | 911086.98 |
| 31 | 2027-08 | 23009.26 | 2524.47 | 20484.79 | 890602.19 |
| 32 | 2027-09 | 23009.26 | 2467.71 | 20541.55 | 870060.63 |
| 33 | 2027-10 | 23009.26 | 2410.79 | 20598.47 | 849462.16 |
| 34 | 2027-11 | 23009.26 | 2353.72 | 20655.55 | 828806.62 |
| 35 | 2027-12 | 23009.26 | 2296.48 | 20712.78 | 808093.84 |
| 36 | 2028-01 | 23009.26 | 2239.09 | 20770.17 | 787323.67 |
| 37 | 2028-02 | 23009.26 | 2181.54 | 20827.72 | 766495.94 |
| 38 | 2028-03 | 23009.26 | 2123.83 | 20885.43 | 745610.51 |
| 39 | 2028-04 | 23009.26 | 2065.96 | 20943.30 | 724667.21 |
| 40 | 2028-05 | 23009.26 | 2007.93 | 21001.33 | 703665.88 |
| 41 | 2028-06 | 23009.26 | 1949.74 | 21059.52 | 682606.35 |
| 42 | 2028-07 | 23009.26 | 1891.39 | 21117.88 | 661488.48 |
| 43 | 2028-08 | 23009.26 | 1832.87 | 21176.39 | 640312.09 |
| 44 | 2028-09 | 23009.26 | 1774.20 | 21235.07 | 619077.02 |
| 45 | 2028-10 | 23009.26 | 1715.36 | 21293.91 | 597783.12 |
| 46 | 2028-11 | 23009.26 | 1656.36 | 21352.91 | 576430.21 |
| 47 | 2028-12 | 23009.26 | 1597.19 | 21412.07 | 555018.14 |
| 48 | 2029-01 | 23009.26 | 1537.86 | 21471.40 | 533546.74 |
| 49 | 2029-02 | 23009.26 | 1478.37 | 21530.90 | 512015.84 |
| 50 | 2029-03 | 23009.26 | 1418.71 | 21590.55 | 490425.29 |
| 51 | 2029-04 | 23009.26 | 1358.89 | 21650.38 | 468774.91 |
| 52 | 2029-05 | 23009.26 | 1298.90 | 21710.37 | 447064.54 |
| 53 | 2029-06 | 23009.26 | 1238.74 | 21770.52 | 425294.02 |
| 54 | 2029-07 | 23009.26 | 1178.42 | 21830.85 | 403463.17 |
| 55 | 2029-08 | 23009.26 | 1117.93 | 21891.34 | 381571.84 |
| 56 | 2029-09 | 23009.26 | 1057.27 | 21951.99 | 359619.85 |
| 57 | 2029-10 | 23009.26 | 996.45 | 22012.82 | 337607.03 |
| 58 | 2029-11 | 23009.26 | 935.45 | 22073.81 | 315533.22 |
| 59 | 2029-12 | 23009.26 | 874.29 | 22134.97 | 293398.24 |
| 60 | 2030-01 | 23009.26 | 812.96 | 22196.31 | 271201.94 |
| 61 | 2030-02 | 23009.26 | 751.46 | 22257.81 | 248944.13 |
| 62 | 2030-03 | 23009.26 | 689.78 | 22319.48 | 226624.64 |
| 63 | 2030-04 | 23009.26 | 627.94 | 22381.33 | 204243.32 |
| 64 | 2030-05 | 23009.26 | 565.92 | 22443.34 | 181799.98 |
| 65 | 2030-06 | 23009.26 | 503.74 | 22505.53 | 159294.45 |
| 66 | 2030-07 | 23009.26 | 441.38 | 22567.89 | 136726.57 |
| 67 | 2030-08 | 23009.26 | 378.85 | 22630.42 | 114096.15 |
| 68 | 2030-09 | 23009.26 | 316.14 | 22693.12 | 91403.03 |
| 69 | 2030-10 | 23009.26 | 253.26 | 22756.00 | 68647.02 |
| 70 | 2030-11 | 23009.26 | 190.21 | 22819.05 | 45827.97 |
| 71 | 2030-12 | 23009.26 | 126.98 | 22882.28 | 22945.69 |
| 72 | 2031-01 | 23009.26 | 63.58 | 22945.69 | 0.00 |
等额本金还款方式：
贷款总额：150万
还款月数：6年
首月还款：24989.58元
每月递减：57.73元
利息总额：15.17万
本息合计：165.17万
节省利息：4963.91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 | 24989.58 | 4156.25 | 20833.33 | 1479166.67 |
| 2 | 2025-03 | 24931.86 | 4098.52 | 20833.33 | 1458333.33 |
| 3 | 2025-04 | 24874.13 | 4040.80 | 20833.33 | 1437500.00 |
| 4 | 2025-05 | 24816.41 | 3983.07 | 20833.33 | 1416666.67 |
| 5 | 2025-06 | 24758.68 | 3925.35 | 20833.33 | 1395833.33 |
| 6 | 2025-07 | 24700.95 | 3867.62 | 20833.33 | 1375000.00 |
| 7 | 2025-08 | 24643.23 | 3809.90 | 20833.33 | 1354166.67 |
| 8 | 2025-09 | 24585.50 | 3752.17 | 20833.33 | 1333333.33 |
| 9 | 2025-10 | 24527.78 | 3694.44 | 20833.33 | 1312500.00 |
| 10 | 2025-11 | 24470.05 | 3636.72 | 20833.33 | 1291666.67 |
| 11 | 2025-12 | 24412.33 | 3578.99 | 20833.33 | 1270833.33 |
| 12 | 2026-01 | 24354.60 | 3521.27 | 20833.33 | 1250000.00 |
| 13 | 2026-02 | 24296.88 | 3463.54 | 20833.33 | 1229166.67 |
| 14 | 2026-03 | 24239.15 | 3405.82 | 20833.33 | 1208333.33 |
| 15 | 2026-04 | 24181.42 | 3348.09 | 20833.33 | 1187500.00 |
| 16 | 2026-05 | 24123.70 | 3290.36 | 20833.33 | 1166666.67 |
| 17 | 2026-06 | 24065.97 | 3232.64 | 20833.33 | 1145833.33 |
| 18 | 2026-07 | 24008.25 | 3174.91 | 20833.33 | 1125000.00 |
| 19 | 2026-08 | 23950.52 | 3117.19 | 20833.33 | 1104166.67 |
| 20 | 2026-09 | 23892.80 | 3059.46 | 20833.33 | 1083333.33 |
| 21 | 2026-10 | 23835.07 | 3001.74 | 20833.33 | 1062500.00 |
| 22 | 2026-11 | 23777.34 | 2944.01 | 20833.33 | 1041666.67 |
| 23 | 2026-12 | 23719.62 | 2886.28 | 20833.33 | 1020833.33 |
| 24 | 2027-01 | 23661.89 | 2828.56 | 20833.33 | 1000000.00 |
| 25 | 2027-02 | 23604.17 | 2770.83 | 20833.33 | 979166.67 |
| 26 | 2027-03 | 23546.44 | 2713.11 | 20833.33 | 958333.33 |
| 27 | 2027-04 | 23488.72 | 2655.38 | 20833.33 | 937500.00 |
| 28 | 2027-05 | 23430.99 | 2597.66 | 20833.33 | 916666.67 |
| 29 | 2027-06 | 23373.26 | 2539.93 | 20833.33 | 895833.33 |
| 30 | 2027-07 | 23315.54 | 2482.20 | 20833.33 | 875000.00 |
| 31 | 2027-08 | 23257.81 | 2424.48 | 20833.33 | 854166.67 |
| 32 | 2027-09 | 23200.09 | 2366.75 | 20833.33 | 833333.33 |
| 33 | 2027-10 | 23142.36 | 2309.03 | 20833.33 | 812500.00 |
| 34 | 2027-11 | 23084.64 | 2251.30 | 20833.33 | 791666.67 |
| 35 | 2027-12 | 23026.91 | 2193.58 | 20833.33 | 770833.33 |
| 36 | 2028-01 | 22969.18 | 2135.85 | 20833.33 | 750000.00 |
| 37 | 2028-02 | 22911.46 | 2078.13 | 20833.33 | 729166.67 |
| 38 | 2028-03 | 22853.73 | 2020.40 | 20833.33 | 708333.33 |
| 39 | 2028-04 | 22796.01 | 1962.67 | 20833.33 | 687500.00 |
| 40 | 2028-05 | 22738.28 | 1904.95 | 20833.33 | 666666.67 |
| 41 | 2028-06 | 22680.56 | 1847.22 | 20833.33 | 645833.33 |
| 42 | 2028-07 | 22622.83 | 1789.50 | 20833.33 | 625000.00 |
| 43 | 2028-08 | 22565.10 | 1731.77 | 20833.33 | 604166.67 |
| 44 | 2028-09 | 22507.38 | 1674.05 | 20833.33 | 583333.33 |
| 45 | 2028-10 | 22449.65 | 1616.32 | 20833.33 | 562500.00 |
| 46 | 2028-11 | 22391.93 | 1558.59 | 20833.33 | 541666.67 |
| 47 | 2028-12 | 22334.20 | 1500.87 | 20833.33 | 520833.33 |
| 48 | 2029-01 | 22276.48 | 1443.14 | 20833.33 | 500000.00 |
| 49 | 2029-02 | 22218.75 | 1385.42 | 20833.33 | 479166.67 |
| 50 | 2029-03 | 22161.02 | 1327.69 | 20833.33 | 458333.33 |
| 51 | 2029-04 | 22103.30 | 1269.97 | 20833.33 | 437500.00 |
| 52 | 2029-05 | 22045.57 | 1212.24 | 20833.33 | 416666.67 |
| 53 | 2029-06 | 21987.85 | 1154.51 | 20833.33 | 395833.33 |
| 54 | 2029-07 | 21930.12 | 1096.79 | 20833.33 | 375000.00 |
| 55 | 2029-08 | 21872.40 | 1039.06 | 20833.33 | 354166.67 |
| 56 | 2029-09 | 21814.67 | 981.34 | 20833.33 | 333333.33 |
| 57 | 2029-10 | 21756.94 | 923.61 | 20833.33 | 312500.00 |
| 58 | 2029-11 | 21699.22 | 865.89 | 20833.33 | 291666.67 |
| 59 | 2029-12 | 21641.49 | 808.16 | 20833.33 | 270833.33 |
| 60 | 2030-01 | 21583.77 | 750.43 | 20833.33 | 250000.00 |
| 61 | 2030-02 | 21526.04 | 692.71 | 20833.33 | 229166.67 |
| 62 | 2030-03 | 21468.32 | 634.98 | 20833.33 | 208333.33 |
| 63 | 2030-04 | 21410.59 | 577.26 | 20833.33 | 187500.00 |
| 64 | 2030-05 | 21352.86 | 519.53 | 20833.33 | 166666.67 |
| 65 | 2030-06 | 21295.14 | 461.81 | 20833.33 | 145833.33 |
| 66 | 2030-07 | 21237.41 | 404.08 | 20833.33 | 125000.00 |
| 67 | 2030-08 | 21179.69 | 346.35 | 20833.33 | 104166.67 |
| 68 | 2030-09 | 21121.96 | 288.63 | 20833.33 | 83333.33 |
| 69 | 2030-10 | 21064.24 | 230.90 | 20833.33 | 62500.00 |
| 70 | 2030-11 | 21006.51 | 173.18 | 20833.33 | 41666.67 |
| 71 | 2030-12 | 20948.78 | 115.45 | 20833.33 | 20833.33 |
| 72 | 2031-01 | 20891.06 | 57.73 | 20833.33 | 0.00 |