贷款42万（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：42万
还款月数：8年
每月还款：4945.52元
利息总额：5.48万
本息合计：47.48万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2021-02 | 4945.52 | 1085.00 | 3860.52 | 416139.48 |
| 2 | 2021-03 | 4945.52 | 1075.03 | 3870.49 | 412268.99 |
| 3 | 2021-04 | 4945.52 | 1065.03 | 3880.49 | 408388.49 |
| 4 | 2021-05 | 4945.52 | 1055.00 | 3890.52 | 404497.98 |
| 5 | 2021-06 | 4945.52 | 1044.95 | 3900.57 | 400597.41 |
| 6 | 2021-07 | 4945.52 | 1034.88 | 3910.64 | 396686.77 |
| 7 | 2021-08 | 4945.52 | 1024.77 | 3920.75 | 392766.02 |
| 8 | 2021-09 | 4945.52 | 1014.65 | 3930.87 | 388835.15 |
| 9 | 2021-10 | 4945.52 | 1004.49 | 3941.03 | 384894.12 |
| 10 | 2021-11 | 4945.52 | 994.31 | 3951.21 | 380942.91 |
| 11 | 2021-12 | 4945.52 | 984.10 | 3961.42 | 376981.49 |
| 12 | 2022-01 | 4945.52 | 973.87 | 3971.65 | 373009.84 |
| 13 | 2022-02 | 4945.52 | 963.61 | 3981.91 | 369027.93 |
| 14 | 2022-03 | 4945.52 | 953.32 | 3992.20 | 365035.73 |
| 15 | 2022-04 | 4945.52 | 943.01 | 4002.51 | 361033.22 |
| 16 | 2022-05 | 4945.52 | 932.67 | 4012.85 | 357020.37 |
| 17 | 2022-06 | 4945.52 | 922.30 | 4023.22 | 352997.15 |
| 18 | 2022-07 | 4945.52 | 911.91 | 4033.61 | 348963.54 |
| 19 | 2022-08 | 4945.52 | 901.49 | 4044.03 | 344919.51 |
| 20 | 2022-09 | 4945.52 | 891.04 | 4054.48 | 340865.03 |
| 21 | 2022-10 | 4945.52 | 880.57 | 4064.95 | 336800.08 |
| 22 | 2022-11 | 4945.52 | 870.07 | 4075.45 | 332724.62 |
| 23 | 2022-12 | 4945.52 | 859.54 | 4085.98 | 328638.64 |
| 24 | 2023-01 | 4945.52 | 848.98 | 4096.54 | 324542.10 |
| 25 | 2023-02 | 4945.52 | 838.40 | 4107.12 | 320434.99 |
| 26 | 2023-03 | 4945.52 | 827.79 | 4117.73 | 316317.26 |
| 27 | 2023-04 | 4945.52 | 817.15 | 4128.37 | 312188.89 |
| 28 | 2023-05 | 4945.52 | 806.49 | 4139.03 | 308049.86 |
| 29 | 2023-06 | 4945.52 | 795.80 | 4149.72 | 303900.13 |
| 30 | 2023-07 | 4945.52 | 785.08 | 4160.44 | 299739.69 |
| 31 | 2023-08 | 4945.52 | 774.33 | 4171.19 | 295568.49 |
| 32 | 2023-09 | 4945.52 | 763.55 | 4181.97 | 291386.53 |
| 33 | 2023-10 | 4945.52 | 752.75 | 4192.77 | 287193.75 |
| 34 | 2023-11 | 4945.52 | 741.92 | 4203.60 | 282990.15 |
| 35 | 2023-12 | 4945.52 | 731.06 | 4214.46 | 278775.69 |
| 36 | 2024-01 | 4945.52 | 720.17 | 4225.35 | 274550.34 |
| 37 | 2024-02 | 4945.52 | 709.26 | 4236.27 | 270314.07 |
| 38 | 2024-03 | 4945.52 | 698.31 | 4247.21 | 266066.87 |
| 39 | 2024-04 | 4945.52 | 687.34 | 4258.18 | 261808.68 |
| 40 | 2024-05 | 4945.52 | 676.34 | 4269.18 | 257539.50 |
| 41 | 2024-06 | 4945.52 | 665.31 | 4280.21 | 253259.29 |
| 42 | 2024-07 | 4945.52 | 654.25 | 4291.27 | 248968.03 |
| 43 | 2024-08 | 4945.52 | 643.17 | 4302.35 | 244665.67 |
| 44 | 2024-09 | 4945.52 | 632.05 | 4313.47 | 240352.21 |
| 45 | 2024-10 | 4945.52 | 620.91 | 4324.61 | 236027.60 |
| 46 | 2024-11 | 4945.52 | 609.74 | 4335.78 | 231691.81 |
| 47 | 2024-12 | 4945.52 | 598.54 | 4346.98 | 227344.83 |
| 48 | 2025-01 | 4945.52 | 587.31 | 4358.21 | 222986.62 |
| 49 | 2025-02 | 4945.52 | 576.05 | 4369.47 | 218617.15 |
| 50 | 2025-03 | 4945.52 | 564.76 | 4380.76 | 214236.39 |
| 51 | 2025-04 | 4945.52 | 553.44 | 4392.08 | 209844.31 |
| 52 | 2025-05 | 4945.52 | 542.10 | 4403.42 | 205440.89 |
| 53 | 2025-06 | 4945.52 | 530.72 | 4414.80 | 201026.09 |
| 54 | 2025-07 | 4945.52 | 519.32 | 4426.20 | 196599.89 |
| 55 | 2025-08 | 4945.52 | 507.88 | 4437.64 | 192162.25 |
| 56 | 2025-09 | 4945.52 | 496.42 | 4449.10 | 187713.15 |
| 57 | 2025-10 | 4945.52 | 484.93 | 4460.59 | 183252.56 |
| 58 | 2025-11 | 4945.52 | 473.40 | 4472.12 | 178780.44 |
| 59 | 2025-12 | 4945.52 | 461.85 | 4483.67 | 174296.77 |
| 60 | 2026-01 | 4945.52 | 450.27 | 4495.25 | 169801.51 |
| 61 | 2026-02 | 4945.52 | 438.65 | 4506.87 | 165294.65 |
| 62 | 2026-03 | 4945.52 | 427.01 | 4518.51 | 160776.14 |
| 63 | 2026-04 | 4945.52 | 415.34 | 4530.18 | 156245.96 |
| 64 | 2026-05 | 4945.52 | 403.64 | 4541.88 | 151704.07 |
| 65 | 2026-06 | 4945.52 | 391.90 | 4553.62 | 147150.45 |
| 66 | 2026-07 | 4945.52 | 380.14 | 4565.38 | 142585.07 |
| 67 | 2026-08 | 4945.52 | 368.34 | 4577.18 | 138007.90 |
| 68 | 2026-09 | 4945.52 | 356.52 | 4589.00 | 133418.90 |
| 69 | 2026-10 | 4945.52 | 344.67 | 4600.85 | 128818.04 |
| 70 | 2026-11 | 4945.52 | 332.78 | 4612.74 | 124205.30 |
| 71 | 2026-12 | 4945.52 | 320.86 | 4624.66 | 119580.65 |
| 72 | 2027-01 | 4945.52 | 308.92 | 4636.60 | 114944.04 |
| 73 | 2027-02 | 4945.52 | 296.94 | 4648.58 | 110295.46 |
| 74 | 2027-03 | 4945.52 | 284.93 | 4660.59 | 105634.87 |
| 75 | 2027-04 | 4945.52 | 272.89 | 4672.63 | 100962.24 |
| 76 | 2027-05 | 4945.52 | 260.82 | 4684.70 | 96277.54 |
| 77 | 2027-06 | 4945.52 | 248.72 | 4696.80 | 91580.74 |
| 78 | 2027-07 | 4945.52 | 236.58 | 4708.94 | 86871.80 |
| 79 | 2027-08 | 4945.52 | 224.42 | 4721.10 | 82150.70 |
| 80 | 2027-09 | 4945.52 | 212.22 | 4733.30 | 77417.40 |
| 81 | 2027-10 | 4945.52 | 199.99 | 4745.53 | 72671.88 |
| 82 | 2027-11 | 4945.52 | 187.74 | 4757.78 | 67914.09 |
| 83 | 2027-12 | 4945.52 | 175.44 | 4770.08 | 63144.02 |
| 84 | 2028-01 | 4945.52 | 163.12 | 4782.40 | 58361.62 |
| 85 | 2028-02 | 4945.52 | 150.77 | 4794.75 | 53566.87 |
| 86 | 2028-03 | 4945.52 | 138.38 | 4807.14 | 48759.73 |
| 87 | 2028-04 | 4945.52 | 125.96 | 4819.56 | 43940.17 |
| 88 | 2028-05 | 4945.52 | 113.51 | 4832.01 | 39108.16 |
| 89 | 2028-06 | 4945.52 | 101.03 | 4844.49 | 34263.67 |
| 90 | 2028-07 | 4945.52 | 88.51 | 4857.01 | 29406.66 |
| 91 | 2028-08 | 4945.52 | 75.97 | 4869.55 | 24537.11 |
| 92 | 2028-09 | 4945.52 | 63.39 | 4882.13 | 19654.98 |
| 93 | 2028-10 | 4945.52 | 50.78 | 4894.74 | 14760.23 |
| 94 | 2028-11 | 4945.52 | 38.13 | 4907.39 | 9852.84 |
| 95 | 2028-12 | 4945.52 | 25.45 | 4920.07 | 4932.78 |
| 96 | 2029-01 | 4945.52 | 12.74 | 4932.78 | 0.00 |
等额本金还款方式：
贷款总额：42万
还款月数：8年
首月还款：5460元
每月递减：11.3元
利息总额：5.26万
本息合计：47.26万
节省利息：2147.44元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2021-02 | 5460.00 | 1085.00 | 4375.00 | 415625.00 |
| 2 | 2021-03 | 5448.70 | 1073.70 | 4375.00 | 411250.00 |
| 3 | 2021-04 | 5437.40 | 1062.40 | 4375.00 | 406875.00 |
| 4 | 2021-05 | 5426.09 | 1051.09 | 4375.00 | 402500.00 |
| 5 | 2021-06 | 5414.79 | 1039.79 | 4375.00 | 398125.00 |
| 6 | 2021-07 | 5403.49 | 1028.49 | 4375.00 | 393750.00 |
| 7 | 2021-08 | 5392.19 | 1017.19 | 4375.00 | 389375.00 |
| 8 | 2021-09 | 5380.89 | 1005.89 | 4375.00 | 385000.00 |
| 9 | 2021-10 | 5369.58 | 994.58 | 4375.00 | 380625.00 |
| 10 | 2021-11 | 5358.28 | 983.28 | 4375.00 | 376250.00 |
| 11 | 2021-12 | 5346.98 | 971.98 | 4375.00 | 371875.00 |
| 12 | 2022-01 | 5335.68 | 960.68 | 4375.00 | 367500.00 |
| 13 | 2022-02 | 5324.38 | 949.38 | 4375.00 | 363125.00 |
| 14 | 2022-03 | 5313.07 | 938.07 | 4375.00 | 358750.00 |
| 15 | 2022-04 | 5301.77 | 926.77 | 4375.00 | 354375.00 |
| 16 | 2022-05 | 5290.47 | 915.47 | 4375.00 | 350000.00 |
| 17 | 2022-06 | 5279.17 | 904.17 | 4375.00 | 345625.00 |
| 18 | 2022-07 | 5267.86 | 892.86 | 4375.00 | 341250.00 |
| 19 | 2022-08 | 5256.56 | 881.56 | 4375.00 | 336875.00 |
| 20 | 2022-09 | 5245.26 | 870.26 | 4375.00 | 332500.00 |
| 21 | 2022-10 | 5233.96 | 858.96 | 4375.00 | 328125.00 |
| 22 | 2022-11 | 5222.66 | 847.66 | 4375.00 | 323750.00 |
| 23 | 2022-12 | 5211.35 | 836.35 | 4375.00 | 319375.00 |
| 24 | 2023-01 | 5200.05 | 825.05 | 4375.00 | 315000.00 |
| 25 | 2023-02 | 5188.75 | 813.75 | 4375.00 | 310625.00 |
| 26 | 2023-03 | 5177.45 | 802.45 | 4375.00 | 306250.00 |
| 27 | 2023-04 | 5166.15 | 791.15 | 4375.00 | 301875.00 |
| 28 | 2023-05 | 5154.84 | 779.84 | 4375.00 | 297500.00 |
| 29 | 2023-06 | 5143.54 | 768.54 | 4375.00 | 293125.00 |
| 30 | 2023-07 | 5132.24 | 757.24 | 4375.00 | 288750.00 |
| 31 | 2023-08 | 5120.94 | 745.94 | 4375.00 | 284375.00 |
| 32 | 2023-09 | 5109.64 | 734.64 | 4375.00 | 280000.00 |
| 33 | 2023-10 | 5098.33 | 723.33 | 4375.00 | 275625.00 |
| 34 | 2023-11 | 5087.03 | 712.03 | 4375.00 | 271250.00 |
| 35 | 2023-12 | 5075.73 | 700.73 | 4375.00 | 266875.00 |
| 36 | 2024-01 | 5064.43 | 689.43 | 4375.00 | 262500.00 |
| 37 | 2024-02 | 5053.13 | 678.13 | 4375.00 | 258125.00 |
| 38 | 2024-03 | 5041.82 | 666.82 | 4375.00 | 253750.00 |
| 39 | 2024-04 | 5030.52 | 655.52 | 4375.00 | 249375.00 |
| 40 | 2024-05 | 5019.22 | 644.22 | 4375.00 | 245000.00 |
| 41 | 2024-06 | 5007.92 | 632.92 | 4375.00 | 240625.00 |
| 42 | 2024-07 | 4996.61 | 621.61 | 4375.00 | 236250.00 |
| 43 | 2024-08 | 4985.31 | 610.31 | 4375.00 | 231875.00 |
| 44 | 2024-09 | 4974.01 | 599.01 | 4375.00 | 227500.00 |
| 45 | 2024-10 | 4962.71 | 587.71 | 4375.00 | 223125.00 |
| 46 | 2024-11 | 4951.41 | 576.41 | 4375.00 | 218750.00 |
| 47 | 2024-12 | 4940.10 | 565.10 | 4375.00 | 214375.00 |
| 48 | 2025-01 | 4928.80 | 553.80 | 4375.00 | 210000.00 |
| 49 | 2025-02 | 4917.50 | 542.50 | 4375.00 | 205625.00 |
| 50 | 2025-03 | 4906.20 | 531.20 | 4375.00 | 201250.00 |
| 51 | 2025-04 | 4894.90 | 519.90 | 4375.00 | 196875.00 |
| 52 | 2025-05 | 4883.59 | 508.59 | 4375.00 | 192500.00 |
| 53 | 2025-06 | 4872.29 | 497.29 | 4375.00 | 188125.00 |
| 54 | 2025-07 | 4860.99 | 485.99 | 4375.00 | 183750.00 |
| 55 | 2025-08 | 4849.69 | 474.69 | 4375.00 | 179375.00 |
| 56 | 2025-09 | 4838.39 | 463.39 | 4375.00 | 175000.00 |
| 57 | 2025-10 | 4827.08 | 452.08 | 4375.00 | 170625.00 |
| 58 | 2025-11 | 4815.78 | 440.78 | 4375.00 | 166250.00 |
| 59 | 2025-12 | 4804.48 | 429.48 | 4375.00 | 161875.00 |
| 60 | 2026-01 | 4793.18 | 418.18 | 4375.00 | 157500.00 |
| 61 | 2026-02 | 4781.88 | 406.88 | 4375.00 | 153125.00 |
| 62 | 2026-03 | 4770.57 | 395.57 | 4375.00 | 148750.00 |
| 63 | 2026-04 | 4759.27 | 384.27 | 4375.00 | 144375.00 |
| 64 | 2026-05 | 4747.97 | 372.97 | 4375.00 | 140000.00 |
| 65 | 2026-06 | 4736.67 | 361.67 | 4375.00 | 135625.00 |
| 66 | 2026-07 | 4725.36 | 350.36 | 4375.00 | 131250.00 |
| 67 | 2026-08 | 4714.06 | 339.06 | 4375.00 | 126875.00 |
| 68 | 2026-09 | 4702.76 | 327.76 | 4375.00 | 122500.00 |
| 69 | 2026-10 | 4691.46 | 316.46 | 4375.00 | 118125.00 |
| 70 | 2026-11 | 4680.16 | 305.16 | 4375.00 | 113750.00 |
| 71 | 2026-12 | 4668.85 | 293.85 | 4375.00 | 109375.00 |
| 72 | 2027-01 | 4657.55 | 282.55 | 4375.00 | 105000.00 |
| 73 | 2027-02 | 4646.25 | 271.25 | 4375.00 | 100625.00 |
| 74 | 2027-03 | 4634.95 | 259.95 | 4375.00 | 96250.00 |
| 75 | 2027-04 | 4623.65 | 248.65 | 4375.00 | 91875.00 |
| 76 | 2027-05 | 4612.34 | 237.34 | 4375.00 | 87500.00 |
| 77 | 2027-06 | 4601.04 | 226.04 | 4375.00 | 83125.00 |
| 78 | 2027-07 | 4589.74 | 214.74 | 4375.00 | 78750.00 |
| 79 | 2027-08 | 4578.44 | 203.44 | 4375.00 | 74375.00 |
| 80 | 2027-09 | 4567.14 | 192.14 | 4375.00 | 70000.00 |
| 81 | 2027-10 | 4555.83 | 180.83 | 4375.00 | 65625.00 |
| 82 | 2027-11 | 4544.53 | 169.53 | 4375.00 | 61250.00 |
| 83 | 2027-12 | 4533.23 | 158.23 | 4375.00 | 56875.00 |
| 84 | 2028-01 | 4521.93 | 146.93 | 4375.00 | 52500.00 |
| 85 | 2028-02 | 4510.63 | 135.63 | 4375.00 | 48125.00 |
| 86 | 2028-03 | 4499.32 | 124.32 | 4375.00 | 43750.00 |
| 87 | 2028-04 | 4488.02 | 113.02 | 4375.00 | 39375.00 |
| 88 | 2028-05 | 4476.72 | 101.72 | 4375.00 | 35000.00 |
| 89 | 2028-06 | 4465.42 | 90.42 | 4375.00 | 30625.00 |
| 90 | 2028-07 | 4454.11 | 79.11 | 4375.00 | 26250.00 |
| 91 | 2028-08 | 4442.81 | 67.81 | 4375.00 | 21875.00 |
| 92 | 2028-09 | 4431.51 | 56.51 | 4375.00 | 17500.00 |
| 93 | 2028-10 | 4420.21 | 45.21 | 4375.00 | 13125.00 |
| 94 | 2028-11 | 4408.91 | 33.91 | 4375.00 | 8750.00 |
| 95 | 2028-12 | 4397.60 | 22.60 | 4375.00 | 4375.00 |
| 96 | 2029-01 | 4386.30 | 11.30 | 4375.00 | 0.00 |