贷款7.6万（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：7.6万
还款月数：6年
每月还款：1149.63元
利息总额：6773.1元
本息合计：8.28万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-04 | 1149.63 | 180.50 | 969.13 | 75030.87 |
| 2 | 2025-05 | 1149.63 | 178.20 | 971.43 | 74059.45 |
| 3 | 2025-06 | 1149.63 | 175.89 | 973.74 | 73085.71 |
| 4 | 2025-07 | 1149.63 | 173.58 | 976.05 | 72109.66 |
| 5 | 2025-08 | 1149.63 | 171.26 | 978.37 | 71131.30 |
| 6 | 2025-09 | 1149.63 | 168.94 | 980.69 | 70150.61 |
| 7 | 2025-10 | 1149.63 | 166.61 | 983.02 | 69167.59 |
| 8 | 2025-11 | 1149.63 | 164.27 | 985.35 | 68182.24 |
| 9 | 2025-12 | 1149.63 | 161.93 | 987.69 | 67194.54 |
| 10 | 2026-01 | 1149.63 | 159.59 | 990.04 | 66204.50 |
| 11 | 2026-02 | 1149.63 | 157.24 | 992.39 | 65212.11 |
| 12 | 2026-03 | 1149.63 | 154.88 | 994.75 | 64217.36 |
| 13 | 2026-04 | 1149.63 | 152.52 | 997.11 | 63220.25 |
| 14 | 2026-05 | 1149.63 | 150.15 | 999.48 | 62220.78 |
| 15 | 2026-06 | 1149.63 | 147.77 | 1001.85 | 61218.92 |
| 16 | 2026-07 | 1149.63 | 145.39 | 1004.23 | 60214.69 |
| 17 | 2026-08 | 1149.63 | 143.01 | 1006.62 | 59208.08 |
| 18 | 2026-09 | 1149.63 | 140.62 | 1009.01 | 58199.07 |
| 19 | 2026-10 | 1149.63 | 138.22 | 1011.40 | 57187.67 |
| 20 | 2026-11 | 1149.63 | 135.82 | 1013.81 | 56173.86 |
| 21 | 2026-12 | 1149.63 | 133.41 | 1016.21 | 55157.65 |
| 22 | 2027-01 | 1149.63 | 131.00 | 1018.63 | 54139.02 |
| 23 | 2027-02 | 1149.63 | 128.58 | 1021.05 | 53117.97 |
| 24 | 2027-03 | 1149.63 | 126.16 | 1023.47 | 52094.50 |
| 25 | 2027-04 | 1149.63 | 123.72 | 1025.90 | 51068.60 |
| 26 | 2027-05 | 1149.63 | 121.29 | 1028.34 | 50040.26 |
| 27 | 2027-06 | 1149.63 | 118.85 | 1030.78 | 49009.48 |
| 28 | 2027-07 | 1149.63 | 116.40 | 1033.23 | 47976.25 |
| 29 | 2027-08 | 1149.63 | 113.94 | 1035.68 | 46940.57 |
| 30 | 2027-09 | 1149.63 | 111.48 | 1038.14 | 45902.43 |
| 31 | 2027-10 | 1149.63 | 109.02 | 1040.61 | 44861.82 |
| 32 | 2027-11 | 1149.63 | 106.55 | 1043.08 | 43818.74 |
| 33 | 2027-12 | 1149.63 | 104.07 | 1045.56 | 42773.18 |
| 34 | 2028-01 | 1149.63 | 101.59 | 1048.04 | 41725.14 |
| 35 | 2028-02 | 1149.63 | 99.10 | 1050.53 | 40674.61 |
| 36 | 2028-03 | 1149.63 | 96.60 | 1053.02 | 39621.59 |
| 37 | 2028-04 | 1149.63 | 94.10 | 1055.53 | 38566.06 |
| 38 | 2028-05 | 1149.63 | 91.59 | 1058.03 | 37508.03 |
| 39 | 2028-06 | 1149.63 | 89.08 | 1060.54 | 36447.49 |
| 40 | 2028-07 | 1149.63 | 86.56 | 1063.06 | 35384.42 |
| 41 | 2028-08 | 1149.63 | 84.04 | 1065.59 | 34318.83 |
| 42 | 2028-09 | 1149.63 | 81.51 | 1068.12 | 33250.72 |
| 43 | 2028-10 | 1149.63 | 78.97 | 1070.66 | 32180.06 |
| 44 | 2028-11 | 1149.63 | 76.43 | 1073.20 | 31106.86 |
| 45 | 2028-12 | 1149.63 | 73.88 | 1075.75 | 30031.11 |
| 46 | 2029-01 | 1149.63 | 71.32 | 1078.30 | 28952.81 |
| 47 | 2029-02 | 1149.63 | 68.76 | 1080.86 | 27871.95 |
| 48 | 2029-03 | 1149.63 | 66.20 | 1083.43 | 26788.52 |
| 49 | 2029-04 | 1149.63 | 63.62 | 1086.00 | 25702.51 |
| 50 | 2029-05 | 1149.63 | 61.04 | 1088.58 | 24613.93 |
| 51 | 2029-06 | 1149.63 | 58.46 | 1091.17 | 23522.76 |
| 52 | 2029-07 | 1149.63 | 55.87 | 1093.76 | 22429.00 |
| 53 | 2029-08 | 1149.63 | 53.27 | 1096.36 | 21332.65 |
| 54 | 2029-09 | 1149.63 | 50.67 | 1098.96 | 20233.68 |
| 55 | 2029-10 | 1149.63 | 48.05 | 1101.57 | 19132.11 |
| 56 | 2029-11 | 1149.63 | 45.44 | 1104.19 | 18027.92 |
| 57 | 2029-12 | 1149.63 | 42.82 | 1106.81 | 16921.11 |
| 58 | 2030-01 | 1149.63 | 40.19 | 1109.44 | 15811.68 |
| 59 | 2030-02 | 1149.63 | 37.55 | 1112.07 | 14699.60 |
| 60 | 2030-03 | 1149.63 | 34.91 | 1114.71 | 13584.89 |
| 61 | 2030-04 | 1149.63 | 32.26 | 1117.36 | 12467.53 |
| 62 | 2030-05 | 1149.63 | 29.61 | 1120.02 | 11347.51 |
| 63 | 2030-06 | 1149.63 | 26.95 | 1122.68 | 10224.83 |
| 64 | 2030-07 | 1149.63 | 24.28 | 1125.34 | 9099.49 |
| 65 | 2030-08 | 1149.63 | 21.61 | 1128.02 | 7971.48 |
| 66 | 2030-09 | 1149.63 | 18.93 | 1130.69 | 6840.78 |
| 67 | 2030-10 | 1149.63 | 16.25 | 1133.38 | 5707.40 |
| 68 | 2030-11 | 1149.63 | 13.56 | 1136.07 | 4571.33 |
| 69 | 2030-12 | 1149.63 | 10.86 | 1138.77 | 3432.56 |
| 70 | 2031-01 | 1149.63 | 8.15 | 1141.47 | 2291.09 |
| 71 | 2031-02 | 1149.63 | 5.44 | 1144.19 | 1146.90 |
| 72 | 2031-03 | 1149.63 | 2.72 | 1146.90 | 0.00 |
等额本金还款方式：
贷款总额：7.6万
还款月数：6年
首月还款：1236.06元
每月递减：2.51元
利息总额：6588.25元
本息合计：8.26万
节省利息：184.85元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-04 | 1236.06 | 180.50 | 1055.56 | 74944.44 |
| 2 | 2025-05 | 1233.55 | 177.99 | 1055.56 | 73888.89 |
| 3 | 2025-06 | 1231.04 | 175.49 | 1055.56 | 72833.33 |
| 4 | 2025-07 | 1228.53 | 172.98 | 1055.56 | 71777.78 |
| 5 | 2025-08 | 1226.03 | 170.47 | 1055.56 | 70722.22 |
| 6 | 2025-09 | 1223.52 | 167.97 | 1055.56 | 69666.67 |
| 7 | 2025-10 | 1221.01 | 165.46 | 1055.56 | 68611.11 |
| 8 | 2025-11 | 1218.51 | 162.95 | 1055.56 | 67555.56 |
| 9 | 2025-12 | 1216.00 | 160.44 | 1055.56 | 66500.00 |
| 10 | 2026-01 | 1213.49 | 157.94 | 1055.56 | 65444.44 |
| 11 | 2026-02 | 1210.99 | 155.43 | 1055.56 | 64388.89 |
| 12 | 2026-03 | 1208.48 | 152.92 | 1055.56 | 63333.33 |
| 13 | 2026-04 | 1205.97 | 150.42 | 1055.56 | 62277.78 |
| 14 | 2026-05 | 1203.47 | 147.91 | 1055.56 | 61222.22 |
| 15 | 2026-06 | 1200.96 | 145.40 | 1055.56 | 60166.67 |
| 16 | 2026-07 | 1198.45 | 142.90 | 1055.56 | 59111.11 |
| 17 | 2026-08 | 1195.94 | 140.39 | 1055.56 | 58055.56 |
| 18 | 2026-09 | 1193.44 | 137.88 | 1055.56 | 57000.00 |
| 19 | 2026-10 | 1190.93 | 135.38 | 1055.56 | 55944.44 |
| 20 | 2026-11 | 1188.42 | 132.87 | 1055.56 | 54888.89 |
| 21 | 2026-12 | 1185.92 | 130.36 | 1055.56 | 53833.33 |
| 22 | 2027-01 | 1183.41 | 127.85 | 1055.56 | 52777.78 |
| 23 | 2027-02 | 1180.90 | 125.35 | 1055.56 | 51722.22 |
| 24 | 2027-03 | 1178.40 | 122.84 | 1055.56 | 50666.67 |
| 25 | 2027-04 | 1175.89 | 120.33 | 1055.56 | 49611.11 |
| 26 | 2027-05 | 1173.38 | 117.83 | 1055.56 | 48555.56 |
| 27 | 2027-06 | 1170.88 | 115.32 | 1055.56 | 47500.00 |
| 28 | 2027-07 | 1168.37 | 112.81 | 1055.56 | 46444.44 |
| 29 | 2027-08 | 1165.86 | 110.31 | 1055.56 | 45388.89 |
| 30 | 2027-09 | 1163.35 | 107.80 | 1055.56 | 44333.33 |
| 31 | 2027-10 | 1160.85 | 105.29 | 1055.56 | 43277.78 |
| 32 | 2027-11 | 1158.34 | 102.78 | 1055.56 | 42222.22 |
| 33 | 2027-12 | 1155.83 | 100.28 | 1055.56 | 41166.67 |
| 34 | 2028-01 | 1153.33 | 97.77 | 1055.56 | 40111.11 |
| 35 | 2028-02 | 1150.82 | 95.26 | 1055.56 | 39055.56 |
| 36 | 2028-03 | 1148.31 | 92.76 | 1055.56 | 38000.00 |
| 37 | 2028-04 | 1145.81 | 90.25 | 1055.56 | 36944.44 |
| 38 | 2028-05 | 1143.30 | 87.74 | 1055.56 | 35888.89 |
| 39 | 2028-06 | 1140.79 | 85.24 | 1055.56 | 34833.33 |
| 40 | 2028-07 | 1138.28 | 82.73 | 1055.56 | 33777.78 |
| 41 | 2028-08 | 1135.78 | 80.22 | 1055.56 | 32722.22 |
| 42 | 2028-09 | 1133.27 | 77.72 | 1055.56 | 31666.67 |
| 43 | 2028-10 | 1130.76 | 75.21 | 1055.56 | 30611.11 |
| 44 | 2028-11 | 1128.26 | 72.70 | 1055.56 | 29555.56 |
| 45 | 2028-12 | 1125.75 | 70.19 | 1055.56 | 28500.00 |
| 46 | 2029-01 | 1123.24 | 67.69 | 1055.56 | 27444.44 |
| 47 | 2029-02 | 1120.74 | 65.18 | 1055.56 | 26388.89 |
| 48 | 2029-03 | 1118.23 | 62.67 | 1055.56 | 25333.33 |
| 49 | 2029-04 | 1115.72 | 60.17 | 1055.56 | 24277.78 |
| 50 | 2029-05 | 1113.22 | 57.66 | 1055.56 | 23222.22 |
| 51 | 2029-06 | 1110.71 | 55.15 | 1055.56 | 22166.67 |
| 52 | 2029-07 | 1108.20 | 52.65 | 1055.56 | 21111.11 |
| 53 | 2029-08 | 1105.69 | 50.14 | 1055.56 | 20055.56 |
| 54 | 2029-09 | 1103.19 | 47.63 | 1055.56 | 19000.00 |
| 55 | 2029-10 | 1100.68 | 45.12 | 1055.56 | 17944.44 |
| 56 | 2029-11 | 1098.17 | 42.62 | 1055.56 | 16888.89 |
| 57 | 2029-12 | 1095.67 | 40.11 | 1055.56 | 15833.33 |
| 58 | 2030-01 | 1093.16 | 37.60 | 1055.56 | 14777.78 |
| 59 | 2030-02 | 1090.65 | 35.10 | 1055.56 | 13722.22 |
| 60 | 2030-03 | 1088.15 | 32.59 | 1055.56 | 12666.67 |
| 61 | 2030-04 | 1085.64 | 30.08 | 1055.56 | 11611.11 |
| 62 | 2030-05 | 1083.13 | 27.58 | 1055.56 | 10555.56 |
| 63 | 2030-06 | 1080.63 | 25.07 | 1055.56 | 9500.00 |
| 64 | 2030-07 | 1078.12 | 22.56 | 1055.56 | 8444.44 |
| 65 | 2030-08 | 1075.61 | 20.06 | 1055.56 | 7388.89 |
| 66 | 2030-09 | 1073.10 | 17.55 | 1055.56 | 6333.33 |
| 67 | 2030-10 | 1070.60 | 15.04 | 1055.56 | 5277.78 |
| 68 | 2030-11 | 1068.09 | 12.53 | 1055.56 | 4222.22 |
| 69 | 2030-12 | 1065.58 | 10.03 | 1055.56 | 3166.67 |
| 70 | 2031-01 | 1063.08 | 7.52 | 1055.56 | 2111.11 |
| 71 | 2031-02 | 1060.57 | 5.01 | 1055.56 | 1055.56 |
| 72 | 2031-03 | 1058.06 | 2.51 | 1055.56 | 0.00 |