贷款11.8万（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：11.8万
还款月数：8年
每月还款：1376.06元
利息总额：1.41万
本息合计：13.21万
| 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 | 1376.06 | 280.25 | 1095.81 | 116904.19 |
| 2 | 2025-05 | 1376.06 | 277.65 | 1098.42 | 115805.77 |
| 3 | 2025-06 | 1376.06 | 275.04 | 1101.03 | 114704.74 |
| 4 | 2025-07 | 1376.06 | 272.42 | 1103.64 | 113601.10 |
| 5 | 2025-08 | 1376.06 | 269.80 | 1106.26 | 112494.84 |
| 6 | 2025-09 | 1376.06 | 267.18 | 1108.89 | 111385.95 |
| 7 | 2025-10 | 1376.06 | 264.54 | 1111.52 | 110274.43 |
| 8 | 2025-11 | 1376.06 | 261.90 | 1114.16 | 109160.26 |
| 9 | 2025-12 | 1376.06 | 259.26 | 1116.81 | 108043.46 |
| 10 | 2026-01 | 1376.06 | 256.60 | 1119.46 | 106923.99 |
| 11 | 2026-02 | 1376.06 | 253.94 | 1122.12 | 105801.87 |
| 12 | 2026-03 | 1376.06 | 251.28 | 1124.79 | 104677.09 |
| 13 | 2026-04 | 1376.06 | 248.61 | 1127.46 | 103549.63 |
| 14 | 2026-05 | 1376.06 | 245.93 | 1130.13 | 102419.50 |
| 15 | 2026-06 | 1376.06 | 243.25 | 1132.82 | 101286.68 |
| 16 | 2026-07 | 1376.06 | 240.56 | 1135.51 | 100151.17 |
| 17 | 2026-08 | 1376.06 | 237.86 | 1138.21 | 99012.97 |
| 18 | 2026-09 | 1376.06 | 235.16 | 1140.91 | 97872.06 |
| 19 | 2026-10 | 1376.06 | 232.45 | 1143.62 | 96728.44 |
| 20 | 2026-11 | 1376.06 | 229.73 | 1146.33 | 95582.10 |
| 21 | 2026-12 | 1376.06 | 227.01 | 1149.06 | 94433.05 |
| 22 | 2027-01 | 1376.06 | 224.28 | 1151.79 | 93281.26 |
| 23 | 2027-02 | 1376.06 | 221.54 | 1154.52 | 92126.74 |
| 24 | 2027-03 | 1376.06 | 218.80 | 1157.26 | 90969.48 |
| 25 | 2027-04 | 1376.06 | 216.05 | 1160.01 | 89809.46 |
| 26 | 2027-05 | 1376.06 | 213.30 | 1162.77 | 88646.70 |
| 27 | 2027-06 | 1376.06 | 210.54 | 1165.53 | 87481.17 |
| 28 | 2027-07 | 1376.06 | 207.77 | 1168.30 | 86312.87 |
| 29 | 2027-08 | 1376.06 | 204.99 | 1171.07 | 85141.80 |
| 30 | 2027-09 | 1376.06 | 202.21 | 1173.85 | 83967.95 |
| 31 | 2027-10 | 1376.06 | 199.42 | 1176.64 | 82791.31 |
| 32 | 2027-11 | 1376.06 | 196.63 | 1179.44 | 81611.87 |
| 33 | 2027-12 | 1376.06 | 193.83 | 1182.24 | 80429.63 |
| 34 | 2028-01 | 1376.06 | 191.02 | 1185.04 | 79244.59 |
| 35 | 2028-02 | 1376.06 | 188.21 | 1187.86 | 78056.73 |
| 36 | 2028-03 | 1376.06 | 185.38 | 1190.68 | 76866.05 |
| 37 | 2028-04 | 1376.06 | 182.56 | 1193.51 | 75672.54 |
| 38 | 2028-05 | 1376.06 | 179.72 | 1196.34 | 74476.20 |
| 39 | 2028-06 | 1376.06 | 176.88 | 1199.18 | 73277.02 |
| 40 | 2028-07 | 1376.06 | 174.03 | 1202.03 | 72074.99 |
| 41 | 2028-08 | 1376.06 | 171.18 | 1204.89 | 70870.10 |
| 42 | 2028-09 | 1376.06 | 168.32 | 1207.75 | 69662.35 |
| 43 | 2028-10 | 1376.06 | 165.45 | 1210.62 | 68451.74 |
| 44 | 2028-11 | 1376.06 | 162.57 | 1213.49 | 67238.24 |
| 45 | 2028-12 | 1376.06 | 159.69 | 1216.37 | 66021.87 |
| 46 | 2029-01 | 1376.06 | 156.80 | 1219.26 | 64802.61 |
| 47 | 2029-02 | 1376.06 | 153.91 | 1222.16 | 63580.45 |
| 48 | 2029-03 | 1376.06 | 151.00 | 1225.06 | 62355.39 |
| 49 | 2029-04 | 1376.06 | 148.09 | 1227.97 | 61127.42 |
| 50 | 2029-05 | 1376.06 | 145.18 | 1230.89 | 59896.53 |
| 51 | 2029-06 | 1376.06 | 142.25 | 1233.81 | 58662.72 |
| 52 | 2029-07 | 1376.06 | 139.32 | 1236.74 | 57425.98 |
| 53 | 2029-08 | 1376.06 | 136.39 | 1239.68 | 56186.30 |
| 54 | 2029-09 | 1376.06 | 133.44 | 1242.62 | 54943.68 |
| 55 | 2029-10 | 1376.06 | 130.49 | 1245.57 | 53698.11 |
| 56 | 2029-11 | 1376.06 | 127.53 | 1248.53 | 52449.57 |
| 57 | 2029-12 | 1376.06 | 124.57 | 1251.50 | 51198.08 |
| 58 | 2030-01 | 1376.06 | 121.60 | 1254.47 | 49943.61 |
| 59 | 2030-02 | 1376.06 | 118.62 | 1257.45 | 48686.16 |
| 60 | 2030-03 | 1376.06 | 115.63 | 1260.43 | 47425.73 |
| 61 | 2030-04 | 1376.06 | 112.64 | 1263.43 | 46162.30 |
| 62 | 2030-05 | 1376.06 | 109.64 | 1266.43 | 44895.87 |
| 63 | 2030-06 | 1376.06 | 106.63 | 1269.44 | 43626.43 |
| 64 | 2030-07 | 1376.06 | 103.61 | 1272.45 | 42353.98 |
| 65 | 2030-08 | 1376.06 | 100.59 | 1275.47 | 41078.51 |
| 66 | 2030-09 | 1376.06 | 97.56 | 1278.50 | 39800.00 |
| 67 | 2030-10 | 1376.06 | 94.53 | 1281.54 | 38518.46 |
| 68 | 2030-11 | 1376.06 | 91.48 | 1284.58 | 37233.88 |
| 69 | 2030-12 | 1376.06 | 88.43 | 1287.63 | 35946.25 |
| 70 | 2031-01 | 1376.06 | 85.37 | 1290.69 | 34655.55 |
| 71 | 2031-02 | 1376.06 | 82.31 | 1293.76 | 33361.80 |
| 72 | 2031-03 | 1376.06 | 79.23 | 1296.83 | 32064.97 |
| 73 | 2031-04 | 1376.06 | 76.15 | 1299.91 | 30765.05 |
| 74 | 2031-05 | 1376.06 | 73.07 | 1303.00 | 29462.06 |
| 75 | 2031-06 | 1376.06 | 69.97 | 1306.09 | 28155.97 |
| 76 | 2031-07 | 1376.06 | 66.87 | 1309.19 | 26846.77 |
| 77 | 2031-08 | 1376.06 | 63.76 | 1312.30 | 25534.47 |
| 78 | 2031-09 | 1376.06 | 60.64 | 1315.42 | 24219.05 |
| 79 | 2031-10 | 1376.06 | 57.52 | 1318.54 | 22900.50 |
| 80 | 2031-11 | 1376.06 | 54.39 | 1321.68 | 21578.83 |
| 81 | 2031-12 | 1376.06 | 51.25 | 1324.81 | 20254.01 |
| 82 | 2032-01 | 1376.06 | 48.10 | 1327.96 | 18926.05 |
| 83 | 2032-02 | 1376.06 | 44.95 | 1331.12 | 17594.94 |
| 84 | 2032-03 | 1376.06 | 41.79 | 1334.28 | 16260.66 |
| 85 | 2032-04 | 1376.06 | 38.62 | 1337.45 | 14923.21 |
| 86 | 2032-05 | 1376.06 | 35.44 | 1340.62 | 13582.59 |
| 87 | 2032-06 | 1376.06 | 32.26 | 1343.81 | 12238.79 |
| 88 | 2032-07 | 1376.06 | 29.07 | 1347.00 | 10891.79 |
| 89 | 2032-08 | 1376.06 | 25.87 | 1350.20 | 9541.59 |
| 90 | 2032-09 | 1376.06 | 22.66 | 1353.40 | 8188.19 |
| 91 | 2032-10 | 1376.06 | 19.45 | 1356.62 | 6831.57 |
| 92 | 2032-11 | 1376.06 | 16.22 | 1359.84 | 5471.73 |
| 93 | 2032-12 | 1376.06 | 13.00 | 1363.07 | 4108.66 |
| 94 | 2033-01 | 1376.06 | 9.76 | 1366.31 | 2742.36 |
| 95 | 2033-02 | 1376.06 | 6.51 | 1369.55 | 1372.80 |
| 96 | 2033-03 | 1376.06 | 3.26 | 1372.80 | 0.00 |
等额本金还款方式：
贷款总额：11.8万
还款月数：8年
首月还款：1509.42元
每月递减：2.92元
利息总额：1.36万
本息合计：13.16万
节省利息：510.07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 | 1509.42 | 280.25 | 1229.17 | 116770.83 |
| 2 | 2025-05 | 1506.50 | 277.33 | 1229.17 | 115541.67 |
| 3 | 2025-06 | 1503.58 | 274.41 | 1229.17 | 114312.50 |
| 4 | 2025-07 | 1500.66 | 271.49 | 1229.17 | 113083.33 |
| 5 | 2025-08 | 1497.74 | 268.57 | 1229.17 | 111854.17 |
| 6 | 2025-09 | 1494.82 | 265.65 | 1229.17 | 110625.00 |
| 7 | 2025-10 | 1491.90 | 262.73 | 1229.17 | 109395.83 |
| 8 | 2025-11 | 1488.98 | 259.82 | 1229.17 | 108166.67 |
| 9 | 2025-12 | 1486.06 | 256.90 | 1229.17 | 106937.50 |
| 10 | 2026-01 | 1483.14 | 253.98 | 1229.17 | 105708.33 |
| 11 | 2026-02 | 1480.22 | 251.06 | 1229.17 | 104479.17 |
| 12 | 2026-03 | 1477.30 | 248.14 | 1229.17 | 103250.00 |
| 13 | 2026-04 | 1474.39 | 245.22 | 1229.17 | 102020.83 |
| 14 | 2026-05 | 1471.47 | 242.30 | 1229.17 | 100791.67 |
| 15 | 2026-06 | 1468.55 | 239.38 | 1229.17 | 99562.50 |
| 16 | 2026-07 | 1465.63 | 236.46 | 1229.17 | 98333.33 |
| 17 | 2026-08 | 1462.71 | 233.54 | 1229.17 | 97104.17 |
| 18 | 2026-09 | 1459.79 | 230.62 | 1229.17 | 95875.00 |
| 19 | 2026-10 | 1456.87 | 227.70 | 1229.17 | 94645.83 |
| 20 | 2026-11 | 1453.95 | 224.78 | 1229.17 | 93416.67 |
| 21 | 2026-12 | 1451.03 | 221.86 | 1229.17 | 92187.50 |
| 22 | 2027-01 | 1448.11 | 218.95 | 1229.17 | 90958.33 |
| 23 | 2027-02 | 1445.19 | 216.03 | 1229.17 | 89729.17 |
| 24 | 2027-03 | 1442.27 | 213.11 | 1229.17 | 88500.00 |
| 25 | 2027-04 | 1439.35 | 210.19 | 1229.17 | 87270.83 |
| 26 | 2027-05 | 1436.43 | 207.27 | 1229.17 | 86041.67 |
| 27 | 2027-06 | 1433.52 | 204.35 | 1229.17 | 84812.50 |
| 28 | 2027-07 | 1430.60 | 201.43 | 1229.17 | 83583.33 |
| 29 | 2027-08 | 1427.68 | 198.51 | 1229.17 | 82354.17 |
| 30 | 2027-09 | 1424.76 | 195.59 | 1229.17 | 81125.00 |
| 31 | 2027-10 | 1421.84 | 192.67 | 1229.17 | 79895.83 |
| 32 | 2027-11 | 1418.92 | 189.75 | 1229.17 | 78666.67 |
| 33 | 2027-12 | 1416.00 | 186.83 | 1229.17 | 77437.50 |
| 34 | 2028-01 | 1413.08 | 183.91 | 1229.17 | 76208.33 |
| 35 | 2028-02 | 1410.16 | 180.99 | 1229.17 | 74979.17 |
| 36 | 2028-03 | 1407.24 | 178.08 | 1229.17 | 73750.00 |
| 37 | 2028-04 | 1404.32 | 175.16 | 1229.17 | 72520.83 |
| 38 | 2028-05 | 1401.40 | 172.24 | 1229.17 | 71291.67 |
| 39 | 2028-06 | 1398.48 | 169.32 | 1229.17 | 70062.50 |
| 40 | 2028-07 | 1395.57 | 166.40 | 1229.17 | 68833.33 |
| 41 | 2028-08 | 1392.65 | 163.48 | 1229.17 | 67604.17 |
| 42 | 2028-09 | 1389.73 | 160.56 | 1229.17 | 66375.00 |
| 43 | 2028-10 | 1386.81 | 157.64 | 1229.17 | 65145.83 |
| 44 | 2028-11 | 1383.89 | 154.72 | 1229.17 | 63916.67 |
| 45 | 2028-12 | 1380.97 | 151.80 | 1229.17 | 62687.50 |
| 46 | 2029-01 | 1378.05 | 148.88 | 1229.17 | 61458.33 |
| 47 | 2029-02 | 1375.13 | 145.96 | 1229.17 | 60229.17 |
| 48 | 2029-03 | 1372.21 | 143.04 | 1229.17 | 59000.00 |
| 49 | 2029-04 | 1369.29 | 140.13 | 1229.17 | 57770.83 |
| 50 | 2029-05 | 1366.37 | 137.21 | 1229.17 | 56541.67 |
| 51 | 2029-06 | 1363.45 | 134.29 | 1229.17 | 55312.50 |
| 52 | 2029-07 | 1360.53 | 131.37 | 1229.17 | 54083.33 |
| 53 | 2029-08 | 1357.61 | 128.45 | 1229.17 | 52854.17 |
| 54 | 2029-09 | 1354.70 | 125.53 | 1229.17 | 51625.00 |
| 55 | 2029-10 | 1351.78 | 122.61 | 1229.17 | 50395.83 |
| 56 | 2029-11 | 1348.86 | 119.69 | 1229.17 | 49166.67 |
| 57 | 2029-12 | 1345.94 | 116.77 | 1229.17 | 47937.50 |
| 58 | 2030-01 | 1343.02 | 113.85 | 1229.17 | 46708.33 |
| 59 | 2030-02 | 1340.10 | 110.93 | 1229.17 | 45479.17 |
| 60 | 2030-03 | 1337.18 | 108.01 | 1229.17 | 44250.00 |
| 61 | 2030-04 | 1334.26 | 105.09 | 1229.17 | 43020.83 |
| 62 | 2030-05 | 1331.34 | 102.17 | 1229.17 | 41791.67 |
| 63 | 2030-06 | 1328.42 | 99.26 | 1229.17 | 40562.50 |
| 64 | 2030-07 | 1325.50 | 96.34 | 1229.17 | 39333.33 |
| 65 | 2030-08 | 1322.58 | 93.42 | 1229.17 | 38104.17 |
| 66 | 2030-09 | 1319.66 | 90.50 | 1229.17 | 36875.00 |
| 67 | 2030-10 | 1316.74 | 87.58 | 1229.17 | 35645.83 |
| 68 | 2030-11 | 1313.83 | 84.66 | 1229.17 | 34416.67 |
| 69 | 2030-12 | 1310.91 | 81.74 | 1229.17 | 33187.50 |
| 70 | 2031-01 | 1307.99 | 78.82 | 1229.17 | 31958.33 |
| 71 | 2031-02 | 1305.07 | 75.90 | 1229.17 | 30729.17 |
| 72 | 2031-03 | 1302.15 | 72.98 | 1229.17 | 29500.00 |
| 73 | 2031-04 | 1299.23 | 70.06 | 1229.17 | 28270.83 |
| 74 | 2031-05 | 1296.31 | 67.14 | 1229.17 | 27041.67 |
| 75 | 2031-06 | 1293.39 | 64.22 | 1229.17 | 25812.50 |
| 76 | 2031-07 | 1290.47 | 61.30 | 1229.17 | 24583.33 |
| 77 | 2031-08 | 1287.55 | 58.39 | 1229.17 | 23354.17 |
| 78 | 2031-09 | 1284.63 | 55.47 | 1229.17 | 22125.00 |
| 79 | 2031-10 | 1281.71 | 52.55 | 1229.17 | 20895.83 |
| 80 | 2031-11 | 1278.79 | 49.63 | 1229.17 | 19666.67 |
| 81 | 2031-12 | 1275.88 | 46.71 | 1229.17 | 18437.50 |
| 82 | 2032-01 | 1272.96 | 43.79 | 1229.17 | 17208.33 |
| 83 | 2032-02 | 1270.04 | 40.87 | 1229.17 | 15979.17 |
| 84 | 2032-03 | 1267.12 | 37.95 | 1229.17 | 14750.00 |
| 85 | 2032-04 | 1264.20 | 35.03 | 1229.17 | 13520.83 |
| 86 | 2032-05 | 1261.28 | 32.11 | 1229.17 | 12291.67 |
| 87 | 2032-06 | 1258.36 | 29.19 | 1229.17 | 11062.50 |
| 88 | 2032-07 | 1255.44 | 26.27 | 1229.17 | 9833.33 |
| 89 | 2032-08 | 1252.52 | 23.35 | 1229.17 | 8604.17 |
| 90 | 2032-09 | 1249.60 | 20.43 | 1229.17 | 7375.00 |
| 91 | 2032-10 | 1246.68 | 17.52 | 1229.17 | 6145.83 |
| 92 | 2032-11 | 1243.76 | 14.60 | 1229.17 | 4916.67 |
| 93 | 2032-12 | 1240.84 | 11.68 | 1229.17 | 3687.50 |
| 94 | 2033-01 | 1237.92 | 8.76 | 1229.17 | 2458.33 |
| 95 | 2033-02 | 1235.01 | 5.84 | 1229.17 | 1229.17 |
| 96 | 2033-03 | 1232.09 | 2.92 | 1229.17 | 0.00 |