贷款8万（公积金贷款）房贷，还款4年4个月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：8万
还款月数：4年4个月
每月还款：1650.71元
利息总额：5836.67元
本息合计：8.58万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-08 | 1650.71 | 215.33 | 1435.37 | 78564.63 |
| 2 | 2024-09 | 1650.71 | 211.47 | 1439.24 | 77125.39 |
| 3 | 2024-10 | 1650.71 | 207.60 | 1443.11 | 75682.28 |
| 4 | 2024-11 | 1650.71 | 203.71 | 1446.99 | 74235.29 |
| 5 | 2024-12 | 1650.71 | 199.82 | 1450.89 | 72784.40 |
| 6 | 2025-01 | 1650.71 | 195.91 | 1454.79 | 71329.61 |
| 7 | 2025-02 | 1650.71 | 192.00 | 1458.71 | 69870.90 |
| 8 | 2025-03 | 1650.71 | 188.07 | 1462.64 | 68408.26 |
| 9 | 2025-04 | 1650.71 | 184.13 | 1466.57 | 66941.69 |
| 10 | 2025-05 | 1650.71 | 180.18 | 1470.52 | 65471.17 |
| 11 | 2025-06 | 1650.71 | 176.23 | 1474.48 | 63996.69 |
| 12 | 2025-07 | 1650.71 | 172.26 | 1478.45 | 62518.24 |
| 13 | 2025-08 | 1650.71 | 168.28 | 1482.43 | 61035.81 |
| 14 | 2025-09 | 1650.71 | 164.29 | 1486.42 | 59549.40 |
| 15 | 2025-10 | 1650.71 | 160.29 | 1490.42 | 58058.98 |
| 16 | 2025-11 | 1650.71 | 156.28 | 1494.43 | 56564.55 |
| 17 | 2025-12 | 1650.71 | 152.25 | 1498.45 | 55066.10 |
| 18 | 2026-01 | 1650.71 | 148.22 | 1502.49 | 53563.61 |
| 19 | 2026-02 | 1650.71 | 144.18 | 1506.53 | 52057.08 |
| 20 | 2026-03 | 1650.71 | 140.12 | 1510.58 | 50546.50 |
| 21 | 2026-04 | 1650.71 | 136.05 | 1514.65 | 49031.85 |
| 22 | 2026-05 | 1650.71 | 131.98 | 1518.73 | 47513.12 |
| 23 | 2026-06 | 1650.71 | 127.89 | 1522.82 | 45990.30 |
| 24 | 2026-07 | 1650.71 | 123.79 | 1526.91 | 44463.39 |
| 25 | 2026-08 | 1650.71 | 119.68 | 1531.02 | 42932.36 |
| 26 | 2026-09 | 1650.71 | 115.56 | 1535.15 | 41397.22 |
| 27 | 2026-10 | 1650.71 | 111.43 | 1539.28 | 39857.94 |
| 28 | 2026-11 | 1650.71 | 107.28 | 1543.42 | 38314.52 |
| 29 | 2026-12 | 1650.71 | 103.13 | 1547.58 | 36766.94 |
| 30 | 2027-01 | 1650.71 | 98.96 | 1551.74 | 35215.20 |
| 31 | 2027-02 | 1650.71 | 94.79 | 1555.92 | 33659.29 |
| 32 | 2027-03 | 1650.71 | 90.60 | 1560.11 | 32099.18 |
| 33 | 2027-04 | 1650.71 | 86.40 | 1564.30 | 30534.87 |
| 34 | 2027-05 | 1650.71 | 82.19 | 1568.52 | 28966.36 |
| 35 | 2027-06 | 1650.71 | 77.97 | 1572.74 | 27393.62 |
| 36 | 2027-07 | 1650.71 | 73.73 | 1576.97 | 25816.65 |
| 37 | 2027-08 | 1650.71 | 69.49 | 1581.22 | 24235.44 |
| 38 | 2027-09 | 1650.71 | 65.23 | 1585.47 | 22649.96 |
| 39 | 2027-10 | 1650.71 | 60.97 | 1589.74 | 21060.22 |
| 40 | 2027-11 | 1650.71 | 56.69 | 1594.02 | 19466.21 |
| 41 | 2027-12 | 1650.71 | 52.40 | 1598.31 | 17867.90 |
| 42 | 2028-01 | 1650.71 | 48.09 | 1602.61 | 16265.29 |
| 43 | 2028-02 | 1650.71 | 43.78 | 1606.92 | 14658.36 |
| 44 | 2028-03 | 1650.71 | 39.46 | 1611.25 | 13047.11 |
| 45 | 2028-04 | 1650.71 | 35.12 | 1615.59 | 11431.53 |
| 46 | 2028-05 | 1650.71 | 30.77 | 1619.94 | 9811.59 |
| 47 | 2028-06 | 1650.71 | 26.41 | 1624.30 | 8187.30 |
| 48 | 2028-07 | 1650.71 | 22.04 | 1628.67 | 6558.63 |
| 49 | 2028-08 | 1650.71 | 17.65 | 1633.05 | 4925.58 |
| 50 | 2028-09 | 1650.71 | 13.26 | 1637.45 | 3288.13 |
| 51 | 2028-10 | 1650.71 | 8.85 | 1641.85 | 1646.27 |
| 52 | 2028-11 | 1650.71 | 4.43 | 1646.27 | 0.00 |
等额本金还款方式：
贷款总额：8万
还款月数：4年4个月
首月还款：1753.79元
每月递减：4.14元
利息总额：5706.33元
本息合计：8.57万
节省利息：130.34元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-08 | 1753.79 | 215.33 | 1538.46 | 78461.54 |
| 2 | 2024-09 | 1749.65 | 211.19 | 1538.46 | 76923.08 |
| 3 | 2024-10 | 1745.51 | 207.05 | 1538.46 | 75384.62 |
| 4 | 2024-11 | 1741.37 | 202.91 | 1538.46 | 73846.15 |
| 5 | 2024-12 | 1737.23 | 198.77 | 1538.46 | 72307.69 |
| 6 | 2025-01 | 1733.09 | 194.63 | 1538.46 | 70769.23 |
| 7 | 2025-02 | 1728.95 | 190.49 | 1538.46 | 69230.77 |
| 8 | 2025-03 | 1724.81 | 186.35 | 1538.46 | 67692.31 |
| 9 | 2025-04 | 1720.67 | 182.21 | 1538.46 | 66153.85 |
| 10 | 2025-05 | 1716.53 | 178.06 | 1538.46 | 64615.38 |
| 11 | 2025-06 | 1712.38 | 173.92 | 1538.46 | 63076.92 |
| 12 | 2025-07 | 1708.24 | 169.78 | 1538.46 | 61538.46 |
| 13 | 2025-08 | 1704.10 | 165.64 | 1538.46 | 60000.00 |
| 14 | 2025-09 | 1699.96 | 161.50 | 1538.46 | 58461.54 |
| 15 | 2025-10 | 1695.82 | 157.36 | 1538.46 | 56923.08 |
| 16 | 2025-11 | 1691.68 | 153.22 | 1538.46 | 55384.62 |
| 17 | 2025-12 | 1687.54 | 149.08 | 1538.46 | 53846.15 |
| 18 | 2026-01 | 1683.40 | 144.94 | 1538.46 | 52307.69 |
| 19 | 2026-02 | 1679.26 | 140.79 | 1538.46 | 50769.23 |
| 20 | 2026-03 | 1675.12 | 136.65 | 1538.46 | 49230.77 |
| 21 | 2026-04 | 1670.97 | 132.51 | 1538.46 | 47692.31 |
| 22 | 2026-05 | 1666.83 | 128.37 | 1538.46 | 46153.85 |
| 23 | 2026-06 | 1662.69 | 124.23 | 1538.46 | 44615.38 |
| 24 | 2026-07 | 1658.55 | 120.09 | 1538.46 | 43076.92 |
| 25 | 2026-08 | 1654.41 | 115.95 | 1538.46 | 41538.46 |
| 26 | 2026-09 | 1650.27 | 111.81 | 1538.46 | 40000.00 |
| 27 | 2026-10 | 1646.13 | 107.67 | 1538.46 | 38461.54 |
| 28 | 2026-11 | 1641.99 | 103.53 | 1538.46 | 36923.08 |
| 29 | 2026-12 | 1637.85 | 99.38 | 1538.46 | 35384.62 |
| 30 | 2027-01 | 1633.71 | 95.24 | 1538.46 | 33846.15 |
| 31 | 2027-02 | 1629.56 | 91.10 | 1538.46 | 32307.69 |
| 32 | 2027-03 | 1625.42 | 86.96 | 1538.46 | 30769.23 |
| 33 | 2027-04 | 1621.28 | 82.82 | 1538.46 | 29230.77 |
| 34 | 2027-05 | 1617.14 | 78.68 | 1538.46 | 27692.31 |
| 35 | 2027-06 | 1613.00 | 74.54 | 1538.46 | 26153.85 |
| 36 | 2027-07 | 1608.86 | 70.40 | 1538.46 | 24615.38 |
| 37 | 2027-08 | 1604.72 | 66.26 | 1538.46 | 23076.92 |
| 38 | 2027-09 | 1600.58 | 62.12 | 1538.46 | 21538.46 |
| 39 | 2027-10 | 1596.44 | 57.97 | 1538.46 | 20000.00 |
| 40 | 2027-11 | 1592.29 | 53.83 | 1538.46 | 18461.54 |
| 41 | 2027-12 | 1588.15 | 49.69 | 1538.46 | 16923.08 |
| 42 | 2028-01 | 1584.01 | 45.55 | 1538.46 | 15384.62 |
| 43 | 2028-02 | 1579.87 | 41.41 | 1538.46 | 13846.15 |
| 44 | 2028-03 | 1575.73 | 37.27 | 1538.46 | 12307.69 |
| 45 | 2028-04 | 1571.59 | 33.13 | 1538.46 | 10769.23 |
| 46 | 2028-05 | 1567.45 | 28.99 | 1538.46 | 9230.77 |
| 47 | 2028-06 | 1563.31 | 24.85 | 1538.46 | 7692.31 |
| 48 | 2028-07 | 1559.17 | 20.71 | 1538.46 | 6153.85 |
| 49 | 2028-08 | 1555.03 | 16.56 | 1538.46 | 4615.38 |
| 50 | 2028-09 | 1550.88 | 12.42 | 1538.46 | 3076.92 |
| 51 | 2028-10 | 1546.74 | 8.28 | 1538.46 | 1538.46 |
| 52 | 2028-11 | 1542.60 | 4.14 | 1538.46 | 0.00 |