贷款12万（公积金贷款）房贷，还款6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：12万
还款月数：6年4个月
每月还款：1727.6元
利息总额：1.13万
本息合计：13.13万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-09 | 1727.60 | 285.00 | 1442.60 | 118557.40 |
| 2 | 2025-10 | 1727.60 | 281.57 | 1446.03 | 117111.37 |
| 3 | 2025-11 | 1727.60 | 278.14 | 1449.46 | 115661.91 |
| 4 | 2025-12 | 1727.60 | 274.70 | 1452.90 | 114209.01 |
| 5 | 2026-01 | 1727.60 | 271.25 | 1456.35 | 112752.65 |
| 6 | 2026-02 | 1727.60 | 267.79 | 1459.81 | 111292.84 |
| 7 | 2026-03 | 1727.60 | 264.32 | 1463.28 | 109829.56 |
| 8 | 2026-04 | 1727.60 | 260.85 | 1466.76 | 108362.80 |
| 9 | 2026-05 | 1727.60 | 257.36 | 1470.24 | 106892.56 |
| 10 | 2026-06 | 1727.60 | 253.87 | 1473.73 | 105418.83 |
| 11 | 2026-07 | 1727.60 | 250.37 | 1477.23 | 103941.60 |
| 12 | 2026-08 | 1727.60 | 246.86 | 1480.74 | 102460.86 |
| 13 | 2026-09 | 1727.60 | 243.34 | 1484.26 | 100976.60 |
| 14 | 2026-10 | 1727.60 | 239.82 | 1487.78 | 99488.82 |
| 15 | 2026-11 | 1727.60 | 236.29 | 1491.32 | 97997.51 |
| 16 | 2026-12 | 1727.60 | 232.74 | 1494.86 | 96502.65 |
| 17 | 2027-01 | 1727.60 | 229.19 | 1498.41 | 95004.24 |
| 18 | 2027-02 | 1727.60 | 225.64 | 1501.97 | 93502.28 |
| 19 | 2027-03 | 1727.60 | 222.07 | 1505.53 | 91996.74 |
| 20 | 2027-04 | 1727.60 | 218.49 | 1509.11 | 90487.63 |
| 21 | 2027-05 | 1727.60 | 214.91 | 1512.69 | 88974.94 |
| 22 | 2027-06 | 1727.60 | 211.32 | 1516.29 | 87458.65 |
| 23 | 2027-07 | 1727.60 | 207.71 | 1519.89 | 85938.77 |
| 24 | 2027-08 | 1727.60 | 204.10 | 1523.50 | 84415.27 |
| 25 | 2027-09 | 1727.60 | 200.49 | 1527.11 | 82888.16 |
| 26 | 2027-10 | 1727.60 | 196.86 | 1530.74 | 81357.42 |
| 27 | 2027-11 | 1727.60 | 193.22 | 1534.38 | 79823.04 |
| 28 | 2027-12 | 1727.60 | 189.58 | 1538.02 | 78285.02 |
| 29 | 2028-01 | 1727.60 | 185.93 | 1541.67 | 76743.34 |
| 30 | 2028-02 | 1727.60 | 182.27 | 1545.34 | 75198.01 |
| 31 | 2028-03 | 1727.60 | 178.60 | 1549.01 | 73649.00 |
| 32 | 2028-04 | 1727.60 | 174.92 | 1552.68 | 72096.32 |
| 33 | 2028-05 | 1727.60 | 171.23 | 1556.37 | 70539.94 |
| 34 | 2028-06 | 1727.60 | 167.53 | 1560.07 | 68979.87 |
| 35 | 2028-07 | 1727.60 | 163.83 | 1563.77 | 67416.10 |
| 36 | 2028-08 | 1727.60 | 160.11 | 1567.49 | 65848.61 |
| 37 | 2028-09 | 1727.60 | 156.39 | 1571.21 | 64277.40 |
| 38 | 2028-10 | 1727.60 | 152.66 | 1574.94 | 62702.46 |
| 39 | 2028-11 | 1727.60 | 148.92 | 1578.68 | 61123.78 |
| 40 | 2028-12 | 1727.60 | 145.17 | 1582.43 | 59541.35 |
| 41 | 2029-01 | 1727.60 | 141.41 | 1586.19 | 57955.15 |
| 42 | 2029-02 | 1727.60 | 137.64 | 1589.96 | 56365.20 |
| 43 | 2029-03 | 1727.60 | 133.87 | 1593.73 | 54771.46 |
| 44 | 2029-04 | 1727.60 | 130.08 | 1597.52 | 53173.94 |
| 45 | 2029-05 | 1727.60 | 126.29 | 1601.31 | 51572.63 |
| 46 | 2029-06 | 1727.60 | 122.49 | 1605.12 | 49967.52 |
| 47 | 2029-07 | 1727.60 | 118.67 | 1608.93 | 48358.59 |
| 48 | 2029-08 | 1727.60 | 114.85 | 1612.75 | 46745.84 |
| 49 | 2029-09 | 1727.60 | 111.02 | 1616.58 | 45129.26 |
| 50 | 2029-10 | 1727.60 | 107.18 | 1620.42 | 43508.84 |
| 51 | 2029-11 | 1727.60 | 103.33 | 1624.27 | 41884.57 |
| 52 | 2029-12 | 1727.60 | 99.48 | 1628.13 | 40256.45 |
| 53 | 2030-01 | 1727.60 | 95.61 | 1631.99 | 38624.45 |
| 54 | 2030-02 | 1727.60 | 91.73 | 1635.87 | 36988.59 |
| 55 | 2030-03 | 1727.60 | 87.85 | 1639.75 | 35348.83 |
| 56 | 2030-04 | 1727.60 | 83.95 | 1643.65 | 33705.19 |
| 57 | 2030-05 | 1727.60 | 80.05 | 1647.55 | 32057.63 |
| 58 | 2030-06 | 1727.60 | 76.14 | 1651.46 | 30406.17 |
| 59 | 2030-07 | 1727.60 | 72.21 | 1655.39 | 28750.78 |
| 60 | 2030-08 | 1727.60 | 68.28 | 1659.32 | 27091.47 |
| 61 | 2030-09 | 1727.60 | 64.34 | 1663.26 | 25428.21 |
| 62 | 2030-10 | 1727.60 | 60.39 | 1667.21 | 23761.00 |
| 63 | 2030-11 | 1727.60 | 56.43 | 1671.17 | 22089.83 |
| 64 | 2030-12 | 1727.60 | 52.46 | 1675.14 | 20414.69 |
| 65 | 2031-01 | 1727.60 | 48.48 | 1679.12 | 18735.57 |
| 66 | 2031-02 | 1727.60 | 44.50 | 1683.10 | 17052.47 |
| 67 | 2031-03 | 1727.60 | 40.50 | 1687.10 | 15365.37 |
| 68 | 2031-04 | 1727.60 | 36.49 | 1691.11 | 13674.26 |
| 69 | 2031-05 | 1727.60 | 32.48 | 1695.12 | 11979.14 |
| 70 | 2031-06 | 1727.60 | 28.45 | 1699.15 | 10279.99 |
| 71 | 2031-07 | 1727.60 | 24.41 | 1703.19 | 8576.80 |
| 72 | 2031-08 | 1727.60 | 20.37 | 1707.23 | 6869.57 |
| 73 | 2031-09 | 1727.60 | 16.32 | 1711.29 | 5158.28 |
| 74 | 2031-10 | 1727.60 | 12.25 | 1715.35 | 3442.93 |
| 75 | 2031-11 | 1727.60 | 8.18 | 1719.42 | 1723.51 |
| 76 | 2031-12 | 1727.60 | 4.09 | 1723.51 | 0.00 |
等额本金还款方式：
贷款总额：12万
还款月数：6年4个月
首月还款：1863.95元
每月递减：3.75元
利息总额：1.1万
本息合计：13.1万
节省利息：325.18元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-09 | 1863.95 | 285.00 | 1578.95 | 118421.05 |
| 2 | 2025-10 | 1860.20 | 281.25 | 1578.95 | 116842.11 |
| 3 | 2025-11 | 1856.45 | 277.50 | 1578.95 | 115263.16 |
| 4 | 2025-12 | 1852.70 | 273.75 | 1578.95 | 113684.21 |
| 5 | 2026-01 | 1848.95 | 270.00 | 1578.95 | 112105.26 |
| 6 | 2026-02 | 1845.20 | 266.25 | 1578.95 | 110526.32 |
| 7 | 2026-03 | 1841.45 | 262.50 | 1578.95 | 108947.37 |
| 8 | 2026-04 | 1837.70 | 258.75 | 1578.95 | 107368.42 |
| 9 | 2026-05 | 1833.95 | 255.00 | 1578.95 | 105789.47 |
| 10 | 2026-06 | 1830.20 | 251.25 | 1578.95 | 104210.53 |
| 11 | 2026-07 | 1826.45 | 247.50 | 1578.95 | 102631.58 |
| 12 | 2026-08 | 1822.70 | 243.75 | 1578.95 | 101052.63 |
| 13 | 2026-09 | 1818.95 | 240.00 | 1578.95 | 99473.68 |
| 14 | 2026-10 | 1815.20 | 236.25 | 1578.95 | 97894.74 |
| 15 | 2026-11 | 1811.45 | 232.50 | 1578.95 | 96315.79 |
| 16 | 2026-12 | 1807.70 | 228.75 | 1578.95 | 94736.84 |
| 17 | 2027-01 | 1803.95 | 225.00 | 1578.95 | 93157.89 |
| 18 | 2027-02 | 1800.20 | 221.25 | 1578.95 | 91578.95 |
| 19 | 2027-03 | 1796.45 | 217.50 | 1578.95 | 90000.00 |
| 20 | 2027-04 | 1792.70 | 213.75 | 1578.95 | 88421.05 |
| 21 | 2027-05 | 1788.95 | 210.00 | 1578.95 | 86842.11 |
| 22 | 2027-06 | 1785.20 | 206.25 | 1578.95 | 85263.16 |
| 23 | 2027-07 | 1781.45 | 202.50 | 1578.95 | 83684.21 |
| 24 | 2027-08 | 1777.70 | 198.75 | 1578.95 | 82105.26 |
| 25 | 2027-09 | 1773.95 | 195.00 | 1578.95 | 80526.32 |
| 26 | 2027-10 | 1770.20 | 191.25 | 1578.95 | 78947.37 |
| 27 | 2027-11 | 1766.45 | 187.50 | 1578.95 | 77368.42 |
| 28 | 2027-12 | 1762.70 | 183.75 | 1578.95 | 75789.47 |
| 29 | 2028-01 | 1758.95 | 180.00 | 1578.95 | 74210.53 |
| 30 | 2028-02 | 1755.20 | 176.25 | 1578.95 | 72631.58 |
| 31 | 2028-03 | 1751.45 | 172.50 | 1578.95 | 71052.63 |
| 32 | 2028-04 | 1747.70 | 168.75 | 1578.95 | 69473.68 |
| 33 | 2028-05 | 1743.95 | 165.00 | 1578.95 | 67894.74 |
| 34 | 2028-06 | 1740.20 | 161.25 | 1578.95 | 66315.79 |
| 35 | 2028-07 | 1736.45 | 157.50 | 1578.95 | 64736.84 |
| 36 | 2028-08 | 1732.70 | 153.75 | 1578.95 | 63157.89 |
| 37 | 2028-09 | 1728.95 | 150.00 | 1578.95 | 61578.95 |
| 38 | 2028-10 | 1725.20 | 146.25 | 1578.95 | 60000.00 |
| 39 | 2028-11 | 1721.45 | 142.50 | 1578.95 | 58421.05 |
| 40 | 2028-12 | 1717.70 | 138.75 | 1578.95 | 56842.11 |
| 41 | 2029-01 | 1713.95 | 135.00 | 1578.95 | 55263.16 |
| 42 | 2029-02 | 1710.20 | 131.25 | 1578.95 | 53684.21 |
| 43 | 2029-03 | 1706.45 | 127.50 | 1578.95 | 52105.26 |
| 44 | 2029-04 | 1702.70 | 123.75 | 1578.95 | 50526.32 |
| 45 | 2029-05 | 1698.95 | 120.00 | 1578.95 | 48947.37 |
| 46 | 2029-06 | 1695.20 | 116.25 | 1578.95 | 47368.42 |
| 47 | 2029-07 | 1691.45 | 112.50 | 1578.95 | 45789.47 |
| 48 | 2029-08 | 1687.70 | 108.75 | 1578.95 | 44210.53 |
| 49 | 2029-09 | 1683.95 | 105.00 | 1578.95 | 42631.58 |
| 50 | 2029-10 | 1680.20 | 101.25 | 1578.95 | 41052.63 |
| 51 | 2029-11 | 1676.45 | 97.50 | 1578.95 | 39473.68 |
| 52 | 2029-12 | 1672.70 | 93.75 | 1578.95 | 37894.74 |
| 53 | 2030-01 | 1668.95 | 90.00 | 1578.95 | 36315.79 |
| 54 | 2030-02 | 1665.20 | 86.25 | 1578.95 | 34736.84 |
| 55 | 2030-03 | 1661.45 | 82.50 | 1578.95 | 33157.89 |
| 56 | 2030-04 | 1657.70 | 78.75 | 1578.95 | 31578.95 |
| 57 | 2030-05 | 1653.95 | 75.00 | 1578.95 | 30000.00 |
| 58 | 2030-06 | 1650.20 | 71.25 | 1578.95 | 28421.05 |
| 59 | 2030-07 | 1646.45 | 67.50 | 1578.95 | 26842.11 |
| 60 | 2030-08 | 1642.70 | 63.75 | 1578.95 | 25263.16 |
| 61 | 2030-09 | 1638.95 | 60.00 | 1578.95 | 23684.21 |
| 62 | 2030-10 | 1635.20 | 56.25 | 1578.95 | 22105.26 |
| 63 | 2030-11 | 1631.45 | 52.50 | 1578.95 | 20526.32 |
| 64 | 2030-12 | 1627.70 | 48.75 | 1578.95 | 18947.37 |
| 65 | 2031-01 | 1623.95 | 45.00 | 1578.95 | 17368.42 |
| 66 | 2031-02 | 1620.20 | 41.25 | 1578.95 | 15789.47 |
| 67 | 2031-03 | 1616.45 | 37.50 | 1578.95 | 14210.53 |
| 68 | 2031-04 | 1612.70 | 33.75 | 1578.95 | 12631.58 |
| 69 | 2031-05 | 1608.95 | 30.00 | 1578.95 | 11052.63 |
| 70 | 2031-06 | 1605.20 | 26.25 | 1578.95 | 9473.68 |
| 71 | 2031-07 | 1601.45 | 22.50 | 1578.95 | 7894.74 |
| 72 | 2031-08 | 1597.70 | 18.75 | 1578.95 | 6315.79 |
| 73 | 2031-09 | 1593.95 | 15.00 | 1578.95 | 4736.84 |
| 74 | 2031-10 | 1590.20 | 11.25 | 1578.95 | 3157.89 |
| 75 | 2031-11 | 1586.45 | 7.50 | 1578.95 | 1578.95 |
| 76 | 2031-12 | 1582.70 | 3.75 | 1578.95 | 0.00 |