贷款20万（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：20万
还款月数：6年
每月还款：3018.65元
利息总额：1.73万
本息合计：21.73万
| 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 | 3018.65 | 462.50 | 2556.15 | 197443.85 |
| 2 | 2024-10 | 3018.65 | 456.59 | 2562.06 | 194881.80 |
| 3 | 2024-11 | 3018.65 | 450.66 | 2567.98 | 192313.82 |
| 4 | 2024-12 | 3018.65 | 444.73 | 2573.92 | 189739.90 |
| 5 | 2025-01 | 3018.65 | 438.77 | 2579.87 | 187160.03 |
| 6 | 2025-02 | 3018.65 | 432.81 | 2585.84 | 184574.19 |
| 7 | 2025-03 | 3018.65 | 426.83 | 2591.82 | 181982.37 |
| 8 | 2025-04 | 3018.65 | 420.83 | 2597.81 | 179384.56 |
| 9 | 2025-05 | 3018.65 | 414.83 | 2603.82 | 176780.74 |
| 10 | 2025-06 | 3018.65 | 408.81 | 2609.84 | 174170.90 |
| 11 | 2025-07 | 3018.65 | 402.77 | 2615.87 | 171555.03 |
| 12 | 2025-08 | 3018.65 | 396.72 | 2621.92 | 168933.10 |
| 13 | 2025-09 | 3018.65 | 390.66 | 2627.99 | 166305.12 |
| 14 | 2025-10 | 3018.65 | 384.58 | 2634.06 | 163671.05 |
| 15 | 2025-11 | 3018.65 | 378.49 | 2640.16 | 161030.90 |
| 16 | 2025-12 | 3018.65 | 372.38 | 2646.26 | 158384.63 |
| 17 | 2026-01 | 3018.65 | 366.26 | 2652.38 | 155732.25 |
| 18 | 2026-02 | 3018.65 | 360.13 | 2658.51 | 153073.74 |
| 19 | 2026-03 | 3018.65 | 353.98 | 2664.66 | 150409.08 |
| 20 | 2026-04 | 3018.65 | 347.82 | 2670.82 | 147738.25 |
| 21 | 2026-05 | 3018.65 | 341.64 | 2677.00 | 145061.25 |
| 22 | 2026-06 | 3018.65 | 335.45 | 2683.19 | 142378.06 |
| 23 | 2026-07 | 3018.65 | 329.25 | 2689.40 | 139688.67 |
| 24 | 2026-08 | 3018.65 | 323.03 | 2695.62 | 136993.05 |
| 25 | 2026-09 | 3018.65 | 316.80 | 2701.85 | 134291.20 |
| 26 | 2026-10 | 3018.65 | 310.55 | 2708.10 | 131583.10 |
| 27 | 2026-11 | 3018.65 | 304.29 | 2714.36 | 128868.75 |
| 28 | 2026-12 | 3018.65 | 298.01 | 2720.64 | 126148.11 |
| 29 | 2027-01 | 3018.65 | 291.72 | 2726.93 | 123421.18 |
| 30 | 2027-02 | 3018.65 | 285.41 | 2733.23 | 120687.95 |
| 31 | 2027-03 | 3018.65 | 279.09 | 2739.55 | 117948.39 |
| 32 | 2027-04 | 3018.65 | 272.76 | 2745.89 | 115202.50 |
| 33 | 2027-05 | 3018.65 | 266.41 | 2752.24 | 112450.26 |
| 34 | 2027-06 | 3018.65 | 260.04 | 2758.60 | 109691.66 |
| 35 | 2027-07 | 3018.65 | 253.66 | 2764.98 | 106926.68 |
| 36 | 2027-08 | 3018.65 | 247.27 | 2771.38 | 104155.30 |
| 37 | 2027-09 | 3018.65 | 240.86 | 2777.79 | 101377.51 |
| 38 | 2027-10 | 3018.65 | 234.44 | 2784.21 | 98593.30 |
| 39 | 2027-11 | 3018.65 | 228.00 | 2790.65 | 95802.66 |
| 40 | 2027-12 | 3018.65 | 221.54 | 2797.10 | 93005.56 |
| 41 | 2028-01 | 3018.65 | 215.08 | 2803.57 | 90201.99 |
| 42 | 2028-02 | 3018.65 | 208.59 | 2810.05 | 87391.93 |
| 43 | 2028-03 | 3018.65 | 202.09 | 2816.55 | 84575.38 |
| 44 | 2028-04 | 3018.65 | 195.58 | 2823.06 | 81752.32 |
| 45 | 2028-05 | 3018.65 | 189.05 | 2829.59 | 78922.72 |
| 46 | 2028-06 | 3018.65 | 182.51 | 2836.14 | 76086.59 |
| 47 | 2028-07 | 3018.65 | 175.95 | 2842.69 | 73243.89 |
| 48 | 2028-08 | 3018.65 | 169.38 | 2849.27 | 70394.62 |
| 49 | 2028-09 | 3018.65 | 162.79 | 2855.86 | 67538.77 |
| 50 | 2028-10 | 3018.65 | 156.18 | 2862.46 | 64676.30 |
| 51 | 2028-11 | 3018.65 | 149.56 | 2869.08 | 61807.22 |
| 52 | 2028-12 | 3018.65 | 142.93 | 2875.72 | 58931.51 |
| 53 | 2029-01 | 3018.65 | 136.28 | 2882.37 | 56049.14 |
| 54 | 2029-02 | 3018.65 | 129.61 | 2889.03 | 53160.11 |
| 55 | 2029-03 | 3018.65 | 122.93 | 2895.71 | 50264.40 |
| 56 | 2029-04 | 3018.65 | 116.24 | 2902.41 | 47361.99 |
| 57 | 2029-05 | 3018.65 | 109.52 | 2909.12 | 44452.87 |
| 58 | 2029-06 | 3018.65 | 102.80 | 2915.85 | 41537.02 |
| 59 | 2029-07 | 3018.65 | 96.05 | 2922.59 | 38614.43 |
| 60 | 2029-08 | 3018.65 | 89.30 | 2929.35 | 35685.08 |
| 61 | 2029-09 | 3018.65 | 82.52 | 2936.12 | 32748.96 |
| 62 | 2029-10 | 3018.65 | 75.73 | 2942.91 | 29806.04 |
| 63 | 2029-11 | 3018.65 | 68.93 | 2949.72 | 26856.32 |
| 64 | 2029-12 | 3018.65 | 62.11 | 2956.54 | 23899.78 |
| 65 | 2030-01 | 3018.65 | 55.27 | 2963.38 | 20936.41 |
| 66 | 2030-02 | 3018.65 | 48.42 | 2970.23 | 17966.18 |
| 67 | 2030-03 | 3018.65 | 41.55 | 2977.10 | 14989.08 |
| 68 | 2030-04 | 3018.65 | 34.66 | 2983.98 | 12005.10 |
| 69 | 2030-05 | 3018.65 | 27.76 | 2990.88 | 9014.21 |
| 70 | 2030-06 | 3018.65 | 20.85 | 2997.80 | 6016.41 |
| 71 | 2030-07 | 3018.65 | 13.91 | 3004.73 | 3011.68 |
| 72 | 2030-08 | 3018.65 | 6.96 | 3011.68 | 0.00 |
等额本金还款方式：
贷款总额：20万
还款月数：6年
首月还款：3240.28元
每月递减：6.42元
利息总额：1.69万
本息合计：21.69万
节省利息：461.2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 | 3240.28 | 462.50 | 2777.78 | 197222.22 |
| 2 | 2024-10 | 3233.85 | 456.08 | 2777.78 | 194444.44 |
| 3 | 2024-11 | 3227.43 | 449.65 | 2777.78 | 191666.67 |
| 4 | 2024-12 | 3221.01 | 443.23 | 2777.78 | 188888.89 |
| 5 | 2025-01 | 3214.58 | 436.81 | 2777.78 | 186111.11 |
| 6 | 2025-02 | 3208.16 | 430.38 | 2777.78 | 183333.33 |
| 7 | 2025-03 | 3201.74 | 423.96 | 2777.78 | 180555.56 |
| 8 | 2025-04 | 3195.31 | 417.53 | 2777.78 | 177777.78 |
| 9 | 2025-05 | 3188.89 | 411.11 | 2777.78 | 175000.00 |
| 10 | 2025-06 | 3182.47 | 404.69 | 2777.78 | 172222.22 |
| 11 | 2025-07 | 3176.04 | 398.26 | 2777.78 | 169444.44 |
| 12 | 2025-08 | 3169.62 | 391.84 | 2777.78 | 166666.67 |
| 13 | 2025-09 | 3163.19 | 385.42 | 2777.78 | 163888.89 |
| 14 | 2025-10 | 3156.77 | 378.99 | 2777.78 | 161111.11 |
| 15 | 2025-11 | 3150.35 | 372.57 | 2777.78 | 158333.33 |
| 16 | 2025-12 | 3143.92 | 366.15 | 2777.78 | 155555.56 |
| 17 | 2026-01 | 3137.50 | 359.72 | 2777.78 | 152777.78 |
| 18 | 2026-02 | 3131.08 | 353.30 | 2777.78 | 150000.00 |
| 19 | 2026-03 | 3124.65 | 346.88 | 2777.78 | 147222.22 |
| 20 | 2026-04 | 3118.23 | 340.45 | 2777.78 | 144444.44 |
| 21 | 2026-05 | 3111.81 | 334.03 | 2777.78 | 141666.67 |
| 22 | 2026-06 | 3105.38 | 327.60 | 2777.78 | 138888.89 |
| 23 | 2026-07 | 3098.96 | 321.18 | 2777.78 | 136111.11 |
| 24 | 2026-08 | 3092.53 | 314.76 | 2777.78 | 133333.33 |
| 25 | 2026-09 | 3086.11 | 308.33 | 2777.78 | 130555.56 |
| 26 | 2026-10 | 3079.69 | 301.91 | 2777.78 | 127777.78 |
| 27 | 2026-11 | 3073.26 | 295.49 | 2777.78 | 125000.00 |
| 28 | 2026-12 | 3066.84 | 289.06 | 2777.78 | 122222.22 |
| 29 | 2027-01 | 3060.42 | 282.64 | 2777.78 | 119444.44 |
| 30 | 2027-02 | 3053.99 | 276.22 | 2777.78 | 116666.67 |
| 31 | 2027-03 | 3047.57 | 269.79 | 2777.78 | 113888.89 |
| 32 | 2027-04 | 3041.15 | 263.37 | 2777.78 | 111111.11 |
| 33 | 2027-05 | 3034.72 | 256.94 | 2777.78 | 108333.33 |
| 34 | 2027-06 | 3028.30 | 250.52 | 2777.78 | 105555.56 |
| 35 | 2027-07 | 3021.88 | 244.10 | 2777.78 | 102777.78 |
| 36 | 2027-08 | 3015.45 | 237.67 | 2777.78 | 100000.00 |
| 37 | 2027-09 | 3009.03 | 231.25 | 2777.78 | 97222.22 |
| 38 | 2027-10 | 3002.60 | 224.83 | 2777.78 | 94444.44 |
| 39 | 2027-11 | 2996.18 | 218.40 | 2777.78 | 91666.67 |
| 40 | 2027-12 | 2989.76 | 211.98 | 2777.78 | 88888.89 |
| 41 | 2028-01 | 2983.33 | 205.56 | 2777.78 | 86111.11 |
| 42 | 2028-02 | 2976.91 | 199.13 | 2777.78 | 83333.33 |
| 43 | 2028-03 | 2970.49 | 192.71 | 2777.78 | 80555.56 |
| 44 | 2028-04 | 2964.06 | 186.28 | 2777.78 | 77777.78 |
| 45 | 2028-05 | 2957.64 | 179.86 | 2777.78 | 75000.00 |
| 46 | 2028-06 | 2951.22 | 173.44 | 2777.78 | 72222.22 |
| 47 | 2028-07 | 2944.79 | 167.01 | 2777.78 | 69444.44 |
| 48 | 2028-08 | 2938.37 | 160.59 | 2777.78 | 66666.67 |
| 49 | 2028-09 | 2931.94 | 154.17 | 2777.78 | 63888.89 |
| 50 | 2028-10 | 2925.52 | 147.74 | 2777.78 | 61111.11 |
| 51 | 2028-11 | 2919.10 | 141.32 | 2777.78 | 58333.33 |
| 52 | 2028-12 | 2912.67 | 134.90 | 2777.78 | 55555.56 |
| 53 | 2029-01 | 2906.25 | 128.47 | 2777.78 | 52777.78 |
| 54 | 2029-02 | 2899.83 | 122.05 | 2777.78 | 50000.00 |
| 55 | 2029-03 | 2893.40 | 115.63 | 2777.78 | 47222.22 |
| 56 | 2029-04 | 2886.98 | 109.20 | 2777.78 | 44444.44 |
| 57 | 2029-05 | 2880.56 | 102.78 | 2777.78 | 41666.67 |
| 58 | 2029-06 | 2874.13 | 96.35 | 2777.78 | 38888.89 |
| 59 | 2029-07 | 2867.71 | 89.93 | 2777.78 | 36111.11 |
| 60 | 2029-08 | 2861.28 | 83.51 | 2777.78 | 33333.33 |
| 61 | 2029-09 | 2854.86 | 77.08 | 2777.78 | 30555.56 |
| 62 | 2029-10 | 2848.44 | 70.66 | 2777.78 | 27777.78 |
| 63 | 2029-11 | 2842.01 | 64.24 | 2777.78 | 25000.00 |
| 64 | 2029-12 | 2835.59 | 57.81 | 2777.78 | 22222.22 |
| 65 | 2030-01 | 2829.17 | 51.39 | 2777.78 | 19444.44 |
| 66 | 2030-02 | 2822.74 | 44.97 | 2777.78 | 16666.67 |
| 67 | 2030-03 | 2816.32 | 38.54 | 2777.78 | 13888.89 |
| 68 | 2030-04 | 2809.90 | 32.12 | 2777.78 | 11111.11 |
| 69 | 2030-05 | 2803.47 | 25.69 | 2777.78 | 8333.33 |
| 70 | 2030-06 | 2797.05 | 19.27 | 2777.78 | 5555.56 |
| 71 | 2030-07 | 2790.63 | 12.85 | 2777.78 | 2777.78 |
| 72 | 2030-08 | 2784.20 | 6.42 | 2777.78 | 0.00 |