贷款18万（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：18万
还款月数：6年
每月还款：2755.04元
利息总额：1.84万
本息合计：19.84万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-09 | 2755.04 | 487.50 | 2267.54 | 177732.46 |
| 2 | 2024-10 | 2755.04 | 481.36 | 2273.68 | 175458.78 |
| 3 | 2024-11 | 2755.04 | 475.20 | 2279.84 | 173178.94 |
| 4 | 2024-12 | 2755.04 | 469.03 | 2286.01 | 170892.93 |
| 5 | 2025-01 | 2755.04 | 462.84 | 2292.21 | 168600.72 |
| 6 | 2025-02 | 2755.04 | 456.63 | 2298.41 | 166302.31 |
| 7 | 2025-03 | 2755.04 | 450.40 | 2304.64 | 163997.67 |
| 8 | 2025-04 | 2755.04 | 444.16 | 2310.88 | 161686.79 |
| 9 | 2025-05 | 2755.04 | 437.90 | 2317.14 | 159369.65 |
| 10 | 2025-06 | 2755.04 | 431.63 | 2323.41 | 157046.24 |
| 11 | 2025-07 | 2755.04 | 425.33 | 2329.71 | 154716.53 |
| 12 | 2025-08 | 2755.04 | 419.02 | 2336.02 | 152380.51 |
| 13 | 2025-09 | 2755.04 | 412.70 | 2342.34 | 150038.17 |
| 14 | 2025-10 | 2755.04 | 406.35 | 2348.69 | 147689.49 |
| 15 | 2025-11 | 2755.04 | 399.99 | 2355.05 | 145334.44 |
| 16 | 2025-12 | 2755.04 | 393.61 | 2361.43 | 142973.01 |
| 17 | 2026-01 | 2755.04 | 387.22 | 2367.82 | 140605.19 |
| 18 | 2026-02 | 2755.04 | 380.81 | 2374.23 | 138230.96 |
| 19 | 2026-03 | 2755.04 | 374.38 | 2380.66 | 135850.29 |
| 20 | 2026-04 | 2755.04 | 367.93 | 2387.11 | 133463.18 |
| 21 | 2026-05 | 2755.04 | 361.46 | 2393.58 | 131069.60 |
| 22 | 2026-06 | 2755.04 | 354.98 | 2400.06 | 128669.54 |
| 23 | 2026-07 | 2755.04 | 348.48 | 2406.56 | 126262.98 |
| 24 | 2026-08 | 2755.04 | 341.96 | 2413.08 | 123849.90 |
| 25 | 2026-09 | 2755.04 | 335.43 | 2419.61 | 121430.29 |
| 26 | 2026-10 | 2755.04 | 328.87 | 2426.17 | 119004.12 |
| 27 | 2026-11 | 2755.04 | 322.30 | 2432.74 | 116571.39 |
| 28 | 2026-12 | 2755.04 | 315.71 | 2439.33 | 114132.06 |
| 29 | 2027-01 | 2755.04 | 309.11 | 2445.93 | 111686.13 |
| 30 | 2027-02 | 2755.04 | 302.48 | 2452.56 | 109233.57 |
| 31 | 2027-03 | 2755.04 | 295.84 | 2459.20 | 106774.37 |
| 32 | 2027-04 | 2755.04 | 289.18 | 2465.86 | 104308.51 |
| 33 | 2027-05 | 2755.04 | 282.50 | 2472.54 | 101835.98 |
| 34 | 2027-06 | 2755.04 | 275.81 | 2479.23 | 99356.74 |
| 35 | 2027-07 | 2755.04 | 269.09 | 2485.95 | 96870.79 |
| 36 | 2027-08 | 2755.04 | 262.36 | 2492.68 | 94378.11 |
| 37 | 2027-09 | 2755.04 | 255.61 | 2499.43 | 91878.68 |
| 38 | 2027-10 | 2755.04 | 248.84 | 2506.20 | 89372.48 |
| 39 | 2027-11 | 2755.04 | 242.05 | 2512.99 | 86859.49 |
| 40 | 2027-12 | 2755.04 | 235.24 | 2519.80 | 84339.69 |
| 41 | 2028-01 | 2755.04 | 228.42 | 2526.62 | 81813.07 |
| 42 | 2028-02 | 2755.04 | 221.58 | 2533.46 | 79279.61 |
| 43 | 2028-03 | 2755.04 | 214.72 | 2540.32 | 76739.28 |
| 44 | 2028-04 | 2755.04 | 207.84 | 2547.20 | 74192.08 |
| 45 | 2028-05 | 2755.04 | 200.94 | 2554.10 | 71637.98 |
| 46 | 2028-06 | 2755.04 | 194.02 | 2561.02 | 69076.96 |
| 47 | 2028-07 | 2755.04 | 187.08 | 2567.96 | 66509.00 |
| 48 | 2028-08 | 2755.04 | 180.13 | 2574.91 | 63934.09 |
| 49 | 2028-09 | 2755.04 | 173.15 | 2581.89 | 61352.20 |
| 50 | 2028-10 | 2755.04 | 166.16 | 2588.88 | 58763.32 |
| 51 | 2028-11 | 2755.04 | 159.15 | 2595.89 | 56167.43 |
| 52 | 2028-12 | 2755.04 | 152.12 | 2602.92 | 53564.51 |
| 53 | 2029-01 | 2755.04 | 145.07 | 2609.97 | 50954.55 |
| 54 | 2029-02 | 2755.04 | 138.00 | 2617.04 | 48337.51 |
| 55 | 2029-03 | 2755.04 | 130.91 | 2624.13 | 45713.38 |
| 56 | 2029-04 | 2755.04 | 123.81 | 2631.23 | 43082.15 |
| 57 | 2029-05 | 2755.04 | 116.68 | 2638.36 | 40443.79 |
| 58 | 2029-06 | 2755.04 | 109.54 | 2645.50 | 37798.28 |
| 59 | 2029-07 | 2755.04 | 102.37 | 2652.67 | 35145.61 |
| 60 | 2029-08 | 2755.04 | 95.19 | 2659.85 | 32485.76 |
| 61 | 2029-09 | 2755.04 | 87.98 | 2667.06 | 29818.70 |
| 62 | 2029-10 | 2755.04 | 80.76 | 2674.28 | 27144.42 |
| 63 | 2029-11 | 2755.04 | 73.52 | 2681.52 | 24462.90 |
| 64 | 2029-12 | 2755.04 | 66.25 | 2688.79 | 21774.11 |
| 65 | 2030-01 | 2755.04 | 58.97 | 2696.07 | 19078.04 |
| 66 | 2030-02 | 2755.04 | 51.67 | 2703.37 | 16374.67 |
| 67 | 2030-03 | 2755.04 | 44.35 | 2710.69 | 13663.98 |
| 68 | 2030-04 | 2755.04 | 37.01 | 2718.03 | 10945.95 |
| 69 | 2030-05 | 2755.04 | 29.65 | 2725.39 | 8220.55 |
| 70 | 2030-06 | 2755.04 | 22.26 | 2732.78 | 5487.78 |
| 71 | 2030-07 | 2755.04 | 14.86 | 2740.18 | 2747.60 |
| 72 | 2030-08 | 2755.04 | 7.44 | 2747.60 | 0.00 |
等额本金还款方式：
贷款总额：18万
还款月数：6年
首月还款：2987.5元
每月递减：6.77元
利息总额：1.78万
本息合计：19.78万
节省利息：569.13元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-09 | 2987.50 | 487.50 | 2500.00 | 177500.00 |
| 2 | 2024-10 | 2980.73 | 480.73 | 2500.00 | 175000.00 |
| 3 | 2024-11 | 2973.96 | 473.96 | 2500.00 | 172500.00 |
| 4 | 2024-12 | 2967.19 | 467.19 | 2500.00 | 170000.00 |
| 5 | 2025-01 | 2960.42 | 460.42 | 2500.00 | 167500.00 |
| 6 | 2025-02 | 2953.65 | 453.65 | 2500.00 | 165000.00 |
| 7 | 2025-03 | 2946.88 | 446.88 | 2500.00 | 162500.00 |
| 8 | 2025-04 | 2940.10 | 440.10 | 2500.00 | 160000.00 |
| 9 | 2025-05 | 2933.33 | 433.33 | 2500.00 | 157500.00 |
| 10 | 2025-06 | 2926.56 | 426.56 | 2500.00 | 155000.00 |
| 11 | 2025-07 | 2919.79 | 419.79 | 2500.00 | 152500.00 |
| 12 | 2025-08 | 2913.02 | 413.02 | 2500.00 | 150000.00 |
| 13 | 2025-09 | 2906.25 | 406.25 | 2500.00 | 147500.00 |
| 14 | 2025-10 | 2899.48 | 399.48 | 2500.00 | 145000.00 |
| 15 | 2025-11 | 2892.71 | 392.71 | 2500.00 | 142500.00 |
| 16 | 2025-12 | 2885.94 | 385.94 | 2500.00 | 140000.00 |
| 17 | 2026-01 | 2879.17 | 379.17 | 2500.00 | 137500.00 |
| 18 | 2026-02 | 2872.40 | 372.40 | 2500.00 | 135000.00 |
| 19 | 2026-03 | 2865.63 | 365.63 | 2500.00 | 132500.00 |
| 20 | 2026-04 | 2858.85 | 358.85 | 2500.00 | 130000.00 |
| 21 | 2026-05 | 2852.08 | 352.08 | 2500.00 | 127500.00 |
| 22 | 2026-06 | 2845.31 | 345.31 | 2500.00 | 125000.00 |
| 23 | 2026-07 | 2838.54 | 338.54 | 2500.00 | 122500.00 |
| 24 | 2026-08 | 2831.77 | 331.77 | 2500.00 | 120000.00 |
| 25 | 2026-09 | 2825.00 | 325.00 | 2500.00 | 117500.00 |
| 26 | 2026-10 | 2818.23 | 318.23 | 2500.00 | 115000.00 |
| 27 | 2026-11 | 2811.46 | 311.46 | 2500.00 | 112500.00 |
| 28 | 2026-12 | 2804.69 | 304.69 | 2500.00 | 110000.00 |
| 29 | 2027-01 | 2797.92 | 297.92 | 2500.00 | 107500.00 |
| 30 | 2027-02 | 2791.15 | 291.15 | 2500.00 | 105000.00 |
| 31 | 2027-03 | 2784.38 | 284.38 | 2500.00 | 102500.00 |
| 32 | 2027-04 | 2777.60 | 277.60 | 2500.00 | 100000.00 |
| 33 | 2027-05 | 2770.83 | 270.83 | 2500.00 | 97500.00 |
| 34 | 2027-06 | 2764.06 | 264.06 | 2500.00 | 95000.00 |
| 35 | 2027-07 | 2757.29 | 257.29 | 2500.00 | 92500.00 |
| 36 | 2027-08 | 2750.52 | 250.52 | 2500.00 | 90000.00 |
| 37 | 2027-09 | 2743.75 | 243.75 | 2500.00 | 87500.00 |
| 38 | 2027-10 | 2736.98 | 236.98 | 2500.00 | 85000.00 |
| 39 | 2027-11 | 2730.21 | 230.21 | 2500.00 | 82500.00 |
| 40 | 2027-12 | 2723.44 | 223.44 | 2500.00 | 80000.00 |
| 41 | 2028-01 | 2716.67 | 216.67 | 2500.00 | 77500.00 |
| 42 | 2028-02 | 2709.90 | 209.90 | 2500.00 | 75000.00 |
| 43 | 2028-03 | 2703.13 | 203.13 | 2500.00 | 72500.00 |
| 44 | 2028-04 | 2696.35 | 196.35 | 2500.00 | 70000.00 |
| 45 | 2028-05 | 2689.58 | 189.58 | 2500.00 | 67500.00 |
| 46 | 2028-06 | 2682.81 | 182.81 | 2500.00 | 65000.00 |
| 47 | 2028-07 | 2676.04 | 176.04 | 2500.00 | 62500.00 |
| 48 | 2028-08 | 2669.27 | 169.27 | 2500.00 | 60000.00 |
| 49 | 2028-09 | 2662.50 | 162.50 | 2500.00 | 57500.00 |
| 50 | 2028-10 | 2655.73 | 155.73 | 2500.00 | 55000.00 |
| 51 | 2028-11 | 2648.96 | 148.96 | 2500.00 | 52500.00 |
| 52 | 2028-12 | 2642.19 | 142.19 | 2500.00 | 50000.00 |
| 53 | 2029-01 | 2635.42 | 135.42 | 2500.00 | 47500.00 |
| 54 | 2029-02 | 2628.65 | 128.65 | 2500.00 | 45000.00 |
| 55 | 2029-03 | 2621.88 | 121.88 | 2500.00 | 42500.00 |
| 56 | 2029-04 | 2615.10 | 115.10 | 2500.00 | 40000.00 |
| 57 | 2029-05 | 2608.33 | 108.33 | 2500.00 | 37500.00 |
| 58 | 2029-06 | 2601.56 | 101.56 | 2500.00 | 35000.00 |
| 59 | 2029-07 | 2594.79 | 94.79 | 2500.00 | 32500.00 |
| 60 | 2029-08 | 2588.02 | 88.02 | 2500.00 | 30000.00 |
| 61 | 2029-09 | 2581.25 | 81.25 | 2500.00 | 27500.00 |
| 62 | 2029-10 | 2574.48 | 74.48 | 2500.00 | 25000.00 |
| 63 | 2029-11 | 2567.71 | 67.71 | 2500.00 | 22500.00 |
| 64 | 2029-12 | 2560.94 | 60.94 | 2500.00 | 20000.00 |
| 65 | 2030-01 | 2554.17 | 54.17 | 2500.00 | 17500.00 |
| 66 | 2030-02 | 2547.40 | 47.40 | 2500.00 | 15000.00 |
| 67 | 2030-03 | 2540.63 | 40.63 | 2500.00 | 12500.00 |
| 68 | 2030-04 | 2533.85 | 33.85 | 2500.00 | 10000.00 |
| 69 | 2030-05 | 2527.08 | 27.08 | 2500.00 | 7500.00 |
| 70 | 2030-06 | 2520.31 | 20.31 | 2500.00 | 5000.00 |
| 71 | 2030-07 | 2513.54 | 13.54 | 2500.00 | 2500.00 |
| 72 | 2030-08 | 2506.77 | 6.77 | 2500.00 | 0.00 |