贷款21万（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：21万
还款月数：8年
每月还款：2487.13元
利息总额：2.88万
本息合计：23.88万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 2487.13 | 568.75 | 1918.38 | 208081.62 |
| 2 | 2025-04 | 2487.13 | 563.55 | 1923.57 | 206158.05 |
| 3 | 2025-05 | 2487.13 | 558.34 | 1928.78 | 204229.26 |
| 4 | 2025-06 | 2487.13 | 553.12 | 1934.01 | 202295.26 |
| 5 | 2025-07 | 2487.13 | 547.88 | 1939.25 | 200356.01 |
| 6 | 2025-08 | 2487.13 | 542.63 | 1944.50 | 198411.51 |
| 7 | 2025-09 | 2487.13 | 537.36 | 1949.76 | 196461.75 |
| 8 | 2025-10 | 2487.13 | 532.08 | 1955.04 | 194506.71 |
| 9 | 2025-11 | 2487.13 | 526.79 | 1960.34 | 192546.37 |
| 10 | 2025-12 | 2487.13 | 521.48 | 1965.65 | 190580.72 |
| 11 | 2026-01 | 2487.13 | 516.16 | 1970.97 | 188609.75 |
| 12 | 2026-02 | 2487.13 | 510.82 | 1976.31 | 186633.43 |
| 13 | 2026-03 | 2487.13 | 505.47 | 1981.66 | 184651.77 |
| 14 | 2026-04 | 2487.13 | 500.10 | 1987.03 | 182664.74 |
| 15 | 2026-05 | 2487.13 | 494.72 | 1992.41 | 180672.33 |
| 16 | 2026-06 | 2487.13 | 489.32 | 1997.81 | 178674.52 |
| 17 | 2026-07 | 2487.13 | 483.91 | 2003.22 | 176671.31 |
| 18 | 2026-08 | 2487.13 | 478.48 | 2008.64 | 174662.66 |
| 19 | 2026-09 | 2487.13 | 473.04 | 2014.08 | 172648.58 |
| 20 | 2026-10 | 2487.13 | 467.59 | 2019.54 | 170629.04 |
| 21 | 2026-11 | 2487.13 | 462.12 | 2025.01 | 168604.03 |
| 22 | 2026-12 | 2487.13 | 456.64 | 2030.49 | 166573.54 |
| 23 | 2027-01 | 2487.13 | 451.14 | 2035.99 | 164537.55 |
| 24 | 2027-02 | 2487.13 | 445.62 | 2041.51 | 162496.04 |
| 25 | 2027-03 | 2487.13 | 440.09 | 2047.03 | 160449.01 |
| 26 | 2027-04 | 2487.13 | 434.55 | 2052.58 | 158396.43 |
| 27 | 2027-05 | 2487.13 | 428.99 | 2058.14 | 156338.29 |
| 28 | 2027-06 | 2487.13 | 423.42 | 2063.71 | 154274.58 |
| 29 | 2027-07 | 2487.13 | 417.83 | 2069.30 | 152205.28 |
| 30 | 2027-08 | 2487.13 | 412.22 | 2074.91 | 150130.37 |
| 31 | 2027-09 | 2487.13 | 406.60 | 2080.53 | 148049.85 |
| 32 | 2027-10 | 2487.13 | 400.97 | 2086.16 | 145963.69 |
| 33 | 2027-11 | 2487.13 | 395.32 | 2091.81 | 143871.88 |
| 34 | 2027-12 | 2487.13 | 389.65 | 2097.48 | 141774.40 |
| 35 | 2028-01 | 2487.13 | 383.97 | 2103.16 | 139671.24 |
| 36 | 2028-02 | 2487.13 | 378.28 | 2108.85 | 137562.39 |
| 37 | 2028-03 | 2487.13 | 372.56 | 2114.56 | 135447.83 |
| 38 | 2028-04 | 2487.13 | 366.84 | 2120.29 | 133327.54 |
| 39 | 2028-05 | 2487.13 | 361.10 | 2126.03 | 131201.50 |
| 40 | 2028-06 | 2487.13 | 355.34 | 2131.79 | 129069.71 |
| 41 | 2028-07 | 2487.13 | 349.56 | 2137.56 | 126932.15 |
| 42 | 2028-08 | 2487.13 | 343.77 | 2143.35 | 124788.80 |
| 43 | 2028-09 | 2487.13 | 337.97 | 2149.16 | 122639.64 |
| 44 | 2028-10 | 2487.13 | 332.15 | 2154.98 | 120484.66 |
| 45 | 2028-11 | 2487.13 | 326.31 | 2160.82 | 118323.84 |
| 46 | 2028-12 | 2487.13 | 320.46 | 2166.67 | 116157.17 |
| 47 | 2029-01 | 2487.13 | 314.59 | 2172.54 | 113984.64 |
| 48 | 2029-02 | 2487.13 | 308.71 | 2178.42 | 111806.22 |
| 49 | 2029-03 | 2487.13 | 302.81 | 2184.32 | 109621.90 |
| 50 | 2029-04 | 2487.13 | 296.89 | 2190.24 | 107431.66 |
| 51 | 2029-05 | 2487.13 | 290.96 | 2196.17 | 105235.49 |
| 52 | 2029-06 | 2487.13 | 285.01 | 2202.12 | 103033.38 |
| 53 | 2029-07 | 2487.13 | 279.05 | 2208.08 | 100825.30 |
| 54 | 2029-08 | 2487.13 | 273.07 | 2214.06 | 98611.24 |
| 55 | 2029-09 | 2487.13 | 267.07 | 2220.06 | 96391.18 |
| 56 | 2029-10 | 2487.13 | 261.06 | 2226.07 | 94165.11 |
| 57 | 2029-11 | 2487.13 | 255.03 | 2232.10 | 91933.02 |
| 58 | 2029-12 | 2487.13 | 248.99 | 2238.14 | 89694.87 |
| 59 | 2030-01 | 2487.13 | 242.92 | 2244.20 | 87450.67 |
| 60 | 2030-02 | 2487.13 | 236.85 | 2250.28 | 85200.39 |
| 61 | 2030-03 | 2487.13 | 230.75 | 2256.38 | 82944.01 |
| 62 | 2030-04 | 2487.13 | 224.64 | 2262.49 | 80681.52 |
| 63 | 2030-05 | 2487.13 | 218.51 | 2268.62 | 78412.90 |
| 64 | 2030-06 | 2487.13 | 212.37 | 2274.76 | 76138.14 |
| 65 | 2030-07 | 2487.13 | 206.21 | 2280.92 | 73857.22 |
| 66 | 2030-08 | 2487.13 | 200.03 | 2287.10 | 71570.12 |
| 67 | 2030-09 | 2487.13 | 193.84 | 2293.29 | 69276.83 |
| 68 | 2030-10 | 2487.13 | 187.62 | 2299.50 | 66977.33 |
| 69 | 2030-11 | 2487.13 | 181.40 | 2305.73 | 64671.60 |
| 70 | 2030-12 | 2487.13 | 175.15 | 2311.98 | 62359.62 |
| 71 | 2031-01 | 2487.13 | 168.89 | 2318.24 | 60041.38 |
| 72 | 2031-02 | 2487.13 | 162.61 | 2324.52 | 57716.87 |
| 73 | 2031-03 | 2487.13 | 156.32 | 2330.81 | 55386.06 |
| 74 | 2031-04 | 2487.13 | 150.00 | 2337.12 | 53048.93 |
| 75 | 2031-05 | 2487.13 | 143.67 | 2343.45 | 50705.48 |
| 76 | 2031-06 | 2487.13 | 137.33 | 2349.80 | 48355.68 |
| 77 | 2031-07 | 2487.13 | 130.96 | 2356.17 | 45999.51 |
| 78 | 2031-08 | 2487.13 | 124.58 | 2362.55 | 43636.96 |
| 79 | 2031-09 | 2487.13 | 118.18 | 2368.94 | 41268.02 |
| 80 | 2031-10 | 2487.13 | 111.77 | 2375.36 | 38892.66 |
| 81 | 2031-11 | 2487.13 | 105.33 | 2381.79 | 36510.86 |
| 82 | 2031-12 | 2487.13 | 98.88 | 2388.24 | 34122.62 |
| 83 | 2032-01 | 2487.13 | 92.42 | 2394.71 | 31727.91 |
| 84 | 2032-02 | 2487.13 | 85.93 | 2401.20 | 29326.71 |
| 85 | 2032-03 | 2487.13 | 79.43 | 2407.70 | 26919.01 |
| 86 | 2032-04 | 2487.13 | 72.91 | 2414.22 | 24504.78 |
| 87 | 2032-05 | 2487.13 | 66.37 | 2420.76 | 22084.02 |
| 88 | 2032-06 | 2487.13 | 59.81 | 2427.32 | 19656.70 |
| 89 | 2032-07 | 2487.13 | 53.24 | 2433.89 | 17222.81 |
| 90 | 2032-08 | 2487.13 | 46.65 | 2440.48 | 14782.33 |
| 91 | 2032-09 | 2487.13 | 40.04 | 2447.09 | 12335.24 |
| 92 | 2032-10 | 2487.13 | 33.41 | 2453.72 | 9881.52 |
| 93 | 2032-11 | 2487.13 | 26.76 | 2460.37 | 7421.15 |
| 94 | 2032-12 | 2487.13 | 20.10 | 2467.03 | 4954.12 |
| 95 | 2033-01 | 2487.13 | 13.42 | 2473.71 | 2480.41 |
| 96 | 2033-02 | 2487.13 | 6.72 | 2480.41 | 0.00 |
等额本金还款方式：
贷款总额：21万
还款月数：8年
首月还款：2756.25元
每月递减：5.92元
利息总额：2.76万
本息合计：23.76万
节省利息：1179.95元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-03 | 2756.25 | 568.75 | 2187.50 | 207812.50 |
| 2 | 2025-04 | 2750.33 | 562.83 | 2187.50 | 205625.00 |
| 3 | 2025-05 | 2744.40 | 556.90 | 2187.50 | 203437.50 |
| 4 | 2025-06 | 2738.48 | 550.98 | 2187.50 | 201250.00 |
| 5 | 2025-07 | 2732.55 | 545.05 | 2187.50 | 199062.50 |
| 6 | 2025-08 | 2726.63 | 539.13 | 2187.50 | 196875.00 |
| 7 | 2025-09 | 2720.70 | 533.20 | 2187.50 | 194687.50 |
| 8 | 2025-10 | 2714.78 | 527.28 | 2187.50 | 192500.00 |
| 9 | 2025-11 | 2708.85 | 521.35 | 2187.50 | 190312.50 |
| 10 | 2025-12 | 2702.93 | 515.43 | 2187.50 | 188125.00 |
| 11 | 2026-01 | 2697.01 | 509.51 | 2187.50 | 185937.50 |
| 12 | 2026-02 | 2691.08 | 503.58 | 2187.50 | 183750.00 |
| 13 | 2026-03 | 2685.16 | 497.66 | 2187.50 | 181562.50 |
| 14 | 2026-04 | 2679.23 | 491.73 | 2187.50 | 179375.00 |
| 15 | 2026-05 | 2673.31 | 485.81 | 2187.50 | 177187.50 |
| 16 | 2026-06 | 2667.38 | 479.88 | 2187.50 | 175000.00 |
| 17 | 2026-07 | 2661.46 | 473.96 | 2187.50 | 172812.50 |
| 18 | 2026-08 | 2655.53 | 468.03 | 2187.50 | 170625.00 |
| 19 | 2026-09 | 2649.61 | 462.11 | 2187.50 | 168437.50 |
| 20 | 2026-10 | 2643.68 | 456.18 | 2187.50 | 166250.00 |
| 21 | 2026-11 | 2637.76 | 450.26 | 2187.50 | 164062.50 |
| 22 | 2026-12 | 2631.84 | 444.34 | 2187.50 | 161875.00 |
| 23 | 2027-01 | 2625.91 | 438.41 | 2187.50 | 159687.50 |
| 24 | 2027-02 | 2619.99 | 432.49 | 2187.50 | 157500.00 |
| 25 | 2027-03 | 2614.06 | 426.56 | 2187.50 | 155312.50 |
| 26 | 2027-04 | 2608.14 | 420.64 | 2187.50 | 153125.00 |
| 27 | 2027-05 | 2602.21 | 414.71 | 2187.50 | 150937.50 |
| 28 | 2027-06 | 2596.29 | 408.79 | 2187.50 | 148750.00 |
| 29 | 2027-07 | 2590.36 | 402.86 | 2187.50 | 146562.50 |
| 30 | 2027-08 | 2584.44 | 396.94 | 2187.50 | 144375.00 |
| 31 | 2027-09 | 2578.52 | 391.02 | 2187.50 | 142187.50 |
| 32 | 2027-10 | 2572.59 | 385.09 | 2187.50 | 140000.00 |
| 33 | 2027-11 | 2566.67 | 379.17 | 2187.50 | 137812.50 |
| 34 | 2027-12 | 2560.74 | 373.24 | 2187.50 | 135625.00 |
| 35 | 2028-01 | 2554.82 | 367.32 | 2187.50 | 133437.50 |
| 36 | 2028-02 | 2548.89 | 361.39 | 2187.50 | 131250.00 |
| 37 | 2028-03 | 2542.97 | 355.47 | 2187.50 | 129062.50 |
| 38 | 2028-04 | 2537.04 | 349.54 | 2187.50 | 126875.00 |
| 39 | 2028-05 | 2531.12 | 343.62 | 2187.50 | 124687.50 |
| 40 | 2028-06 | 2525.20 | 337.70 | 2187.50 | 122500.00 |
| 41 | 2028-07 | 2519.27 | 331.77 | 2187.50 | 120312.50 |
| 42 | 2028-08 | 2513.35 | 325.85 | 2187.50 | 118125.00 |
| 43 | 2028-09 | 2507.42 | 319.92 | 2187.50 | 115937.50 |
| 44 | 2028-10 | 2501.50 | 314.00 | 2187.50 | 113750.00 |
| 45 | 2028-11 | 2495.57 | 308.07 | 2187.50 | 111562.50 |
| 46 | 2028-12 | 2489.65 | 302.15 | 2187.50 | 109375.00 |
| 47 | 2029-01 | 2483.72 | 296.22 | 2187.50 | 107187.50 |
| 48 | 2029-02 | 2477.80 | 290.30 | 2187.50 | 105000.00 |
| 49 | 2029-03 | 2471.88 | 284.38 | 2187.50 | 102812.50 |
| 50 | 2029-04 | 2465.95 | 278.45 | 2187.50 | 100625.00 |
| 51 | 2029-05 | 2460.03 | 272.53 | 2187.50 | 98437.50 |
| 52 | 2029-06 | 2454.10 | 266.60 | 2187.50 | 96250.00 |
| 53 | 2029-07 | 2448.18 | 260.68 | 2187.50 | 94062.50 |
| 54 | 2029-08 | 2442.25 | 254.75 | 2187.50 | 91875.00 |
| 55 | 2029-09 | 2436.33 | 248.83 | 2187.50 | 89687.50 |
| 56 | 2029-10 | 2430.40 | 242.90 | 2187.50 | 87500.00 |
| 57 | 2029-11 | 2424.48 | 236.98 | 2187.50 | 85312.50 |
| 58 | 2029-12 | 2418.55 | 231.05 | 2187.50 | 83125.00 |
| 59 | 2030-01 | 2412.63 | 225.13 | 2187.50 | 80937.50 |
| 60 | 2030-02 | 2406.71 | 219.21 | 2187.50 | 78750.00 |
| 61 | 2030-03 | 2400.78 | 213.28 | 2187.50 | 76562.50 |
| 62 | 2030-04 | 2394.86 | 207.36 | 2187.50 | 74375.00 |
| 63 | 2030-05 | 2388.93 | 201.43 | 2187.50 | 72187.50 |
| 64 | 2030-06 | 2383.01 | 195.51 | 2187.50 | 70000.00 |
| 65 | 2030-07 | 2377.08 | 189.58 | 2187.50 | 67812.50 |
| 66 | 2030-08 | 2371.16 | 183.66 | 2187.50 | 65625.00 |
| 67 | 2030-09 | 2365.23 | 177.73 | 2187.50 | 63437.50 |
| 68 | 2030-10 | 2359.31 | 171.81 | 2187.50 | 61250.00 |
| 69 | 2030-11 | 2353.39 | 165.89 | 2187.50 | 59062.50 |
| 70 | 2030-12 | 2347.46 | 159.96 | 2187.50 | 56875.00 |
| 71 | 2031-01 | 2341.54 | 154.04 | 2187.50 | 54687.50 |
| 72 | 2031-02 | 2335.61 | 148.11 | 2187.50 | 52500.00 |
| 73 | 2031-03 | 2329.69 | 142.19 | 2187.50 | 50312.50 |
| 74 | 2031-04 | 2323.76 | 136.26 | 2187.50 | 48125.00 |
| 75 | 2031-05 | 2317.84 | 130.34 | 2187.50 | 45937.50 |
| 76 | 2031-06 | 2311.91 | 124.41 | 2187.50 | 43750.00 |
| 77 | 2031-07 | 2305.99 | 118.49 | 2187.50 | 41562.50 |
| 78 | 2031-08 | 2300.07 | 112.57 | 2187.50 | 39375.00 |
| 79 | 2031-09 | 2294.14 | 106.64 | 2187.50 | 37187.50 |
| 80 | 2031-10 | 2288.22 | 100.72 | 2187.50 | 35000.00 |
| 81 | 2031-11 | 2282.29 | 94.79 | 2187.50 | 32812.50 |
| 82 | 2031-12 | 2276.37 | 88.87 | 2187.50 | 30625.00 |
| 83 | 2032-01 | 2270.44 | 82.94 | 2187.50 | 28437.50 |
| 84 | 2032-02 | 2264.52 | 77.02 | 2187.50 | 26250.00 |
| 85 | 2032-03 | 2258.59 | 71.09 | 2187.50 | 24062.50 |
| 86 | 2032-04 | 2252.67 | 65.17 | 2187.50 | 21875.00 |
| 87 | 2032-05 | 2246.74 | 59.24 | 2187.50 | 19687.50 |
| 88 | 2032-06 | 2240.82 | 53.32 | 2187.50 | 17500.00 |
| 89 | 2032-07 | 2234.90 | 47.40 | 2187.50 | 15312.50 |
| 90 | 2032-08 | 2228.97 | 41.47 | 2187.50 | 13125.00 |
| 91 | 2032-09 | 2223.05 | 35.55 | 2187.50 | 10937.50 |
| 92 | 2032-10 | 2217.12 | 29.62 | 2187.50 | 8750.00 |
| 93 | 2032-11 | 2211.20 | 23.70 | 2187.50 | 6562.50 |
| 94 | 2032-12 | 2205.27 | 17.77 | 2187.50 | 4375.00 |
| 95 | 2033-01 | 2199.35 | 11.85 | 2187.50 | 2187.50 |
| 96 | 2033-02 | 2193.42 | 5.92 | 2187.50 | 0.00 |