贷款12万（公积金贷款）房贷，还款10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：12万
还款月数：10年
每月还款：1123.07元
利息总额：1.48万
本息合计：13.48万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-06 | 1123.07 | 235.00 | 888.07 | 119111.93 |
| 2 | 2024-07 | 1123.07 | 233.26 | 889.81 | 118222.12 |
| 3 | 2024-08 | 1123.07 | 231.52 | 891.55 | 117330.56 |
| 4 | 2024-09 | 1123.07 | 229.77 | 893.30 | 116437.26 |
| 5 | 2024-10 | 1123.07 | 228.02 | 895.05 | 115542.21 |
| 6 | 2024-11 | 1123.07 | 226.27 | 896.80 | 114645.41 |
| 7 | 2024-12 | 1123.07 | 224.51 | 898.56 | 113746.85 |
| 8 | 2025-01 | 1123.07 | 222.75 | 900.32 | 112846.54 |
| 9 | 2025-02 | 1123.07 | 220.99 | 902.08 | 111944.45 |
| 10 | 2025-03 | 1123.07 | 219.22 | 903.85 | 111040.61 |
| 11 | 2025-04 | 1123.07 | 217.45 | 905.62 | 110134.99 |
| 12 | 2025-05 | 1123.07 | 215.68 | 907.39 | 109227.60 |
| 13 | 2025-06 | 1123.07 | 213.90 | 909.17 | 108318.43 |
| 14 | 2025-07 | 1123.07 | 212.12 | 910.95 | 107407.48 |
| 15 | 2025-08 | 1123.07 | 210.34 | 912.73 | 106494.75 |
| 16 | 2025-09 | 1123.07 | 208.55 | 914.52 | 105580.23 |
| 17 | 2025-10 | 1123.07 | 206.76 | 916.31 | 104663.92 |
| 18 | 2025-11 | 1123.07 | 204.97 | 918.11 | 103745.81 |
| 19 | 2025-12 | 1123.07 | 203.17 | 919.90 | 102825.91 |
| 20 | 2026-01 | 1123.07 | 201.37 | 921.70 | 101904.20 |
| 21 | 2026-02 | 1123.07 | 199.56 | 923.51 | 100980.69 |
| 22 | 2026-03 | 1123.07 | 197.75 | 925.32 | 100055.38 |
| 23 | 2026-04 | 1123.07 | 195.94 | 927.13 | 99128.25 |
| 24 | 2026-05 | 1123.07 | 194.13 | 928.95 | 98199.30 |
| 25 | 2026-06 | 1123.07 | 192.31 | 930.77 | 97268.53 |
| 26 | 2026-07 | 1123.07 | 190.48 | 932.59 | 96335.95 |
| 27 | 2026-08 | 1123.07 | 188.66 | 934.41 | 95401.53 |
| 28 | 2026-09 | 1123.07 | 186.83 | 936.24 | 94465.29 |
| 29 | 2026-10 | 1123.07 | 184.99 | 938.08 | 93527.21 |
| 30 | 2026-11 | 1123.07 | 183.16 | 939.91 | 92587.29 |
| 31 | 2026-12 | 1123.07 | 181.32 | 941.76 | 91645.54 |
| 32 | 2027-01 | 1123.07 | 179.47 | 943.60 | 90701.94 |
| 33 | 2027-02 | 1123.07 | 177.62 | 945.45 | 89756.49 |
| 34 | 2027-03 | 1123.07 | 175.77 | 947.30 | 88809.19 |
| 35 | 2027-04 | 1123.07 | 173.92 | 949.15 | 87860.04 |
| 36 | 2027-05 | 1123.07 | 172.06 | 951.01 | 86909.03 |
| 37 | 2027-06 | 1123.07 | 170.20 | 952.88 | 85956.15 |
| 38 | 2027-07 | 1123.07 | 168.33 | 954.74 | 85001.41 |
| 39 | 2027-08 | 1123.07 | 166.46 | 956.61 | 84044.80 |
| 40 | 2027-09 | 1123.07 | 164.59 | 958.48 | 83086.31 |
| 41 | 2027-10 | 1123.07 | 162.71 | 960.36 | 82125.95 |
| 42 | 2027-11 | 1123.07 | 160.83 | 962.24 | 81163.71 |
| 43 | 2027-12 | 1123.07 | 158.95 | 964.13 | 80199.58 |
| 44 | 2028-01 | 1123.07 | 157.06 | 966.01 | 79233.57 |
| 45 | 2028-02 | 1123.07 | 155.17 | 967.91 | 78265.66 |
| 46 | 2028-03 | 1123.07 | 153.27 | 969.80 | 77295.86 |
| 47 | 2028-04 | 1123.07 | 151.37 | 971.70 | 76324.16 |
| 48 | 2028-05 | 1123.07 | 149.47 | 973.60 | 75350.55 |
| 49 | 2028-06 | 1123.07 | 147.56 | 975.51 | 74375.04 |
| 50 | 2028-07 | 1123.07 | 145.65 | 977.42 | 73397.62 |
| 51 | 2028-08 | 1123.07 | 143.74 | 979.34 | 72418.29 |
| 52 | 2028-09 | 1123.07 | 141.82 | 981.25 | 71437.03 |
| 53 | 2028-10 | 1123.07 | 139.90 | 983.17 | 70453.86 |
| 54 | 2028-11 | 1123.07 | 137.97 | 985.10 | 69468.76 |
| 55 | 2028-12 | 1123.07 | 136.04 | 987.03 | 68481.73 |
| 56 | 2029-01 | 1123.07 | 134.11 | 988.96 | 67492.77 |
| 57 | 2029-02 | 1123.07 | 132.17 | 990.90 | 66501.87 |
| 58 | 2029-03 | 1123.07 | 130.23 | 992.84 | 65509.03 |
| 59 | 2029-04 | 1123.07 | 128.29 | 994.78 | 64514.25 |
| 60 | 2029-05 | 1123.07 | 126.34 | 996.73 | 63517.51 |
| 61 | 2029-06 | 1123.07 | 124.39 | 998.68 | 62518.83 |
| 62 | 2029-07 | 1123.07 | 122.43 | 1000.64 | 61518.19 |
| 63 | 2029-08 | 1123.07 | 120.47 | 1002.60 | 60515.59 |
| 64 | 2029-09 | 1123.07 | 118.51 | 1004.56 | 59511.03 |
| 65 | 2029-10 | 1123.07 | 116.54 | 1006.53 | 58504.50 |
| 66 | 2029-11 | 1123.07 | 114.57 | 1008.50 | 57496.00 |
| 67 | 2029-12 | 1123.07 | 112.60 | 1010.48 | 56485.52 |
| 68 | 2030-01 | 1123.07 | 110.62 | 1012.45 | 55473.07 |
| 69 | 2030-02 | 1123.07 | 108.63 | 1014.44 | 54458.63 |
| 70 | 2030-03 | 1123.07 | 106.65 | 1016.42 | 53442.21 |
| 71 | 2030-04 | 1123.07 | 104.66 | 1018.41 | 52423.79 |
| 72 | 2030-05 | 1123.07 | 102.66 | 1020.41 | 51403.38 |
| 73 | 2030-06 | 1123.07 | 100.66 | 1022.41 | 50380.98 |
| 74 | 2030-07 | 1123.07 | 98.66 | 1024.41 | 49356.57 |
| 75 | 2030-08 | 1123.07 | 96.66 | 1026.42 | 48330.15 |
| 76 | 2030-09 | 1123.07 | 94.65 | 1028.43 | 47301.73 |
| 77 | 2030-10 | 1123.07 | 92.63 | 1030.44 | 46271.29 |
| 78 | 2030-11 | 1123.07 | 90.61 | 1032.46 | 45238.83 |
| 79 | 2030-12 | 1123.07 | 88.59 | 1034.48 | 44204.35 |
| 80 | 2031-01 | 1123.07 | 86.57 | 1036.51 | 43167.84 |
| 81 | 2031-02 | 1123.07 | 84.54 | 1038.54 | 42129.31 |
| 82 | 2031-03 | 1123.07 | 82.50 | 1040.57 | 41088.74 |
| 83 | 2031-04 | 1123.07 | 80.47 | 1042.61 | 40046.13 |
| 84 | 2031-05 | 1123.07 | 78.42 | 1044.65 | 39001.48 |
| 85 | 2031-06 | 1123.07 | 76.38 | 1046.69 | 37954.79 |
| 86 | 2031-07 | 1123.07 | 74.33 | 1048.74 | 36906.05 |
| 87 | 2031-08 | 1123.07 | 72.27 | 1050.80 | 35855.25 |
| 88 | 2031-09 | 1123.07 | 70.22 | 1052.86 | 34802.39 |
| 89 | 2031-10 | 1123.07 | 68.15 | 1054.92 | 33747.47 |
| 90 | 2031-11 | 1123.07 | 66.09 | 1056.98 | 32690.49 |
| 91 | 2031-12 | 1123.07 | 64.02 | 1059.05 | 31631.44 |
| 92 | 2032-01 | 1123.07 | 61.94 | 1061.13 | 30570.31 |
| 93 | 2032-02 | 1123.07 | 59.87 | 1063.21 | 29507.11 |
| 94 | 2032-03 | 1123.07 | 57.78 | 1065.29 | 28441.82 |
| 95 | 2032-04 | 1123.07 | 55.70 | 1067.37 | 27374.44 |
| 96 | 2032-05 | 1123.07 | 53.61 | 1069.46 | 26304.98 |
| 97 | 2032-06 | 1123.07 | 51.51 | 1071.56 | 25233.42 |
| 98 | 2032-07 | 1123.07 | 49.42 | 1073.66 | 24159.77 |
| 99 | 2032-08 | 1123.07 | 47.31 | 1075.76 | 23084.01 |
| 100 | 2032-09 | 1123.07 | 45.21 | 1077.87 | 22006.14 |
| 101 | 2032-10 | 1123.07 | 43.10 | 1079.98 | 20926.16 |
| 102 | 2032-11 | 1123.07 | 40.98 | 1082.09 | 19844.07 |
| 103 | 2032-12 | 1123.07 | 38.86 | 1084.21 | 18759.86 |
| 104 | 2033-01 | 1123.07 | 36.74 | 1086.33 | 17673.53 |
| 105 | 2033-02 | 1123.07 | 34.61 | 1088.46 | 16585.06 |
| 106 | 2033-03 | 1123.07 | 32.48 | 1090.59 | 15494.47 |
| 107 | 2033-04 | 1123.07 | 30.34 | 1092.73 | 14401.74 |
| 108 | 2033-05 | 1123.07 | 28.20 | 1094.87 | 13306.87 |
| 109 | 2033-06 | 1123.07 | 26.06 | 1097.01 | 12209.86 |
| 110 | 2033-07 | 1123.07 | 23.91 | 1099.16 | 11110.70 |
| 111 | 2033-08 | 1123.07 | 21.76 | 1101.31 | 10009.39 |
| 112 | 2033-09 | 1123.07 | 19.60 | 1103.47 | 8905.92 |
| 113 | 2033-10 | 1123.07 | 17.44 | 1105.63 | 7800.28 |
| 114 | 2033-11 | 1123.07 | 15.28 | 1107.80 | 6692.49 |
| 115 | 2033-12 | 1123.07 | 13.11 | 1109.97 | 5582.52 |
| 116 | 2034-01 | 1123.07 | 10.93 | 1112.14 | 4470.38 |
| 117 | 2034-02 | 1123.07 | 8.75 | 1114.32 | 3356.06 |
| 118 | 2034-03 | 1123.07 | 6.57 | 1116.50 | 2239.56 |
| 119 | 2034-04 | 1123.07 | 4.39 | 1118.69 | 1120.88 |
| 120 | 2034-05 | 1123.07 | 2.20 | 1120.88 | 0.00 |
等额本金还款方式：
贷款总额：12万
还款月数：10年
首月还款：1235元
每月递减：1.96元
利息总额：1.42万
本息合计：13.42万
节省利息：551.17元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-06 | 1235.00 | 235.00 | 1000.00 | 119000.00 |
| 2 | 2024-07 | 1233.04 | 233.04 | 1000.00 | 118000.00 |
| 3 | 2024-08 | 1231.08 | 231.08 | 1000.00 | 117000.00 |
| 4 | 2024-09 | 1229.13 | 229.12 | 1000.00 | 116000.00 |
| 5 | 2024-10 | 1227.17 | 227.17 | 1000.00 | 115000.00 |
| 6 | 2024-11 | 1225.21 | 225.21 | 1000.00 | 114000.00 |
| 7 | 2024-12 | 1223.25 | 223.25 | 1000.00 | 113000.00 |
| 8 | 2025-01 | 1221.29 | 221.29 | 1000.00 | 112000.00 |
| 9 | 2025-02 | 1219.33 | 219.33 | 1000.00 | 111000.00 |
| 10 | 2025-03 | 1217.38 | 217.37 | 1000.00 | 110000.00 |
| 11 | 2025-04 | 1215.42 | 215.42 | 1000.00 | 109000.00 |
| 12 | 2025-05 | 1213.46 | 213.46 | 1000.00 | 108000.00 |
| 13 | 2025-06 | 1211.50 | 211.50 | 1000.00 | 107000.00 |
| 14 | 2025-07 | 1209.54 | 209.54 | 1000.00 | 106000.00 |
| 15 | 2025-08 | 1207.58 | 207.58 | 1000.00 | 105000.00 |
| 16 | 2025-09 | 1205.63 | 205.62 | 1000.00 | 104000.00 |
| 17 | 2025-10 | 1203.67 | 203.67 | 1000.00 | 103000.00 |
| 18 | 2025-11 | 1201.71 | 201.71 | 1000.00 | 102000.00 |
| 19 | 2025-12 | 1199.75 | 199.75 | 1000.00 | 101000.00 |
| 20 | 2026-01 | 1197.79 | 197.79 | 1000.00 | 100000.00 |
| 21 | 2026-02 | 1195.83 | 195.83 | 1000.00 | 99000.00 |
| 22 | 2026-03 | 1193.88 | 193.88 | 1000.00 | 98000.00 |
| 23 | 2026-04 | 1191.92 | 191.92 | 1000.00 | 97000.00 |
| 24 | 2026-05 | 1189.96 | 189.96 | 1000.00 | 96000.00 |
| 25 | 2026-06 | 1188.00 | 188.00 | 1000.00 | 95000.00 |
| 26 | 2026-07 | 1186.04 | 186.04 | 1000.00 | 94000.00 |
| 27 | 2026-08 | 1184.08 | 184.08 | 1000.00 | 93000.00 |
| 28 | 2026-09 | 1182.13 | 182.13 | 1000.00 | 92000.00 |
| 29 | 2026-10 | 1180.17 | 180.17 | 1000.00 | 91000.00 |
| 30 | 2026-11 | 1178.21 | 178.21 | 1000.00 | 90000.00 |
| 31 | 2026-12 | 1176.25 | 176.25 | 1000.00 | 89000.00 |
| 32 | 2027-01 | 1174.29 | 174.29 | 1000.00 | 88000.00 |
| 33 | 2027-02 | 1172.33 | 172.33 | 1000.00 | 87000.00 |
| 34 | 2027-03 | 1170.38 | 170.38 | 1000.00 | 86000.00 |
| 35 | 2027-04 | 1168.42 | 168.42 | 1000.00 | 85000.00 |
| 36 | 2027-05 | 1166.46 | 166.46 | 1000.00 | 84000.00 |
| 37 | 2027-06 | 1164.50 | 164.50 | 1000.00 | 83000.00 |
| 38 | 2027-07 | 1162.54 | 162.54 | 1000.00 | 82000.00 |
| 39 | 2027-08 | 1160.58 | 160.58 | 1000.00 | 81000.00 |
| 40 | 2027-09 | 1158.63 | 158.63 | 1000.00 | 80000.00 |
| 41 | 2027-10 | 1156.67 | 156.67 | 1000.00 | 79000.00 |
| 42 | 2027-11 | 1154.71 | 154.71 | 1000.00 | 78000.00 |
| 43 | 2027-12 | 1152.75 | 152.75 | 1000.00 | 77000.00 |
| 44 | 2028-01 | 1150.79 | 150.79 | 1000.00 | 76000.00 |
| 45 | 2028-02 | 1148.83 | 148.83 | 1000.00 | 75000.00 |
| 46 | 2028-03 | 1146.88 | 146.88 | 1000.00 | 74000.00 |
| 47 | 2028-04 | 1144.92 | 144.92 | 1000.00 | 73000.00 |
| 48 | 2028-05 | 1142.96 | 142.96 | 1000.00 | 72000.00 |
| 49 | 2028-06 | 1141.00 | 141.00 | 1000.00 | 71000.00 |
| 50 | 2028-07 | 1139.04 | 139.04 | 1000.00 | 70000.00 |
| 51 | 2028-08 | 1137.08 | 137.08 | 1000.00 | 69000.00 |
| 52 | 2028-09 | 1135.13 | 135.13 | 1000.00 | 68000.00 |
| 53 | 2028-10 | 1133.17 | 133.17 | 1000.00 | 67000.00 |
| 54 | 2028-11 | 1131.21 | 131.21 | 1000.00 | 66000.00 |
| 55 | 2028-12 | 1129.25 | 129.25 | 1000.00 | 65000.00 |
| 56 | 2029-01 | 1127.29 | 127.29 | 1000.00 | 64000.00 |
| 57 | 2029-02 | 1125.33 | 125.33 | 1000.00 | 63000.00 |
| 58 | 2029-03 | 1123.38 | 123.37 | 1000.00 | 62000.00 |
| 59 | 2029-04 | 1121.42 | 121.42 | 1000.00 | 61000.00 |
| 60 | 2029-05 | 1119.46 | 119.46 | 1000.00 | 60000.00 |
| 61 | 2029-06 | 1117.50 | 117.50 | 1000.00 | 59000.00 |
| 62 | 2029-07 | 1115.54 | 115.54 | 1000.00 | 58000.00 |
| 63 | 2029-08 | 1113.58 | 113.58 | 1000.00 | 57000.00 |
| 64 | 2029-09 | 1111.63 | 111.62 | 1000.00 | 56000.00 |
| 65 | 2029-10 | 1109.67 | 109.67 | 1000.00 | 55000.00 |
| 66 | 2029-11 | 1107.71 | 107.71 | 1000.00 | 54000.00 |
| 67 | 2029-12 | 1105.75 | 105.75 | 1000.00 | 53000.00 |
| 68 | 2030-01 | 1103.79 | 103.79 | 1000.00 | 52000.00 |
| 69 | 2030-02 | 1101.83 | 101.83 | 1000.00 | 51000.00 |
| 70 | 2030-03 | 1099.88 | 99.87 | 1000.00 | 50000.00 |
| 71 | 2030-04 | 1097.92 | 97.92 | 1000.00 | 49000.00 |
| 72 | 2030-05 | 1095.96 | 95.96 | 1000.00 | 48000.00 |
| 73 | 2030-06 | 1094.00 | 94.00 | 1000.00 | 47000.00 |
| 74 | 2030-07 | 1092.04 | 92.04 | 1000.00 | 46000.00 |
| 75 | 2030-08 | 1090.08 | 90.08 | 1000.00 | 45000.00 |
| 76 | 2030-09 | 1088.13 | 88.13 | 1000.00 | 44000.00 |
| 77 | 2030-10 | 1086.17 | 86.17 | 1000.00 | 43000.00 |
| 78 | 2030-11 | 1084.21 | 84.21 | 1000.00 | 42000.00 |
| 79 | 2030-12 | 1082.25 | 82.25 | 1000.00 | 41000.00 |
| 80 | 2031-01 | 1080.29 | 80.29 | 1000.00 | 40000.00 |
| 81 | 2031-02 | 1078.33 | 78.33 | 1000.00 | 39000.00 |
| 82 | 2031-03 | 1076.38 | 76.38 | 1000.00 | 38000.00 |
| 83 | 2031-04 | 1074.42 | 74.42 | 1000.00 | 37000.00 |
| 84 | 2031-05 | 1072.46 | 72.46 | 1000.00 | 36000.00 |
| 85 | 2031-06 | 1070.50 | 70.50 | 1000.00 | 35000.00 |
| 86 | 2031-07 | 1068.54 | 68.54 | 1000.00 | 34000.00 |
| 87 | 2031-08 | 1066.58 | 66.58 | 1000.00 | 33000.00 |
| 88 | 2031-09 | 1064.63 | 64.63 | 1000.00 | 32000.00 |
| 89 | 2031-10 | 1062.67 | 62.67 | 1000.00 | 31000.00 |
| 90 | 2031-11 | 1060.71 | 60.71 | 1000.00 | 30000.00 |
| 91 | 2031-12 | 1058.75 | 58.75 | 1000.00 | 29000.00 |
| 92 | 2032-01 | 1056.79 | 56.79 | 1000.00 | 28000.00 |
| 93 | 2032-02 | 1054.83 | 54.83 | 1000.00 | 27000.00 |
| 94 | 2032-03 | 1052.88 | 52.87 | 1000.00 | 26000.00 |
| 95 | 2032-04 | 1050.92 | 50.92 | 1000.00 | 25000.00 |
| 96 | 2032-05 | 1048.96 | 48.96 | 1000.00 | 24000.00 |
| 97 | 2032-06 | 1047.00 | 47.00 | 1000.00 | 23000.00 |
| 98 | 2032-07 | 1045.04 | 45.04 | 1000.00 | 22000.00 |
| 99 | 2032-08 | 1043.08 | 43.08 | 1000.00 | 21000.00 |
| 100 | 2032-09 | 1041.13 | 41.13 | 1000.00 | 20000.00 |
| 101 | 2032-10 | 1039.17 | 39.17 | 1000.00 | 19000.00 |
| 102 | 2032-11 | 1037.21 | 37.21 | 1000.00 | 18000.00 |
| 103 | 2032-12 | 1035.25 | 35.25 | 1000.00 | 17000.00 |
| 104 | 2033-01 | 1033.29 | 33.29 | 1000.00 | 16000.00 |
| 105 | 2033-02 | 1031.33 | 31.33 | 1000.00 | 15000.00 |
| 106 | 2033-03 | 1029.38 | 29.37 | 1000.00 | 14000.00 |
| 107 | 2033-04 | 1027.42 | 27.42 | 1000.00 | 13000.00 |
| 108 | 2033-05 | 1025.46 | 25.46 | 1000.00 | 12000.00 |
| 109 | 2033-06 | 1023.50 | 23.50 | 1000.00 | 11000.00 |
| 110 | 2033-07 | 1021.54 | 21.54 | 1000.00 | 10000.00 |
| 111 | 2033-08 | 1019.58 | 19.58 | 1000.00 | 9000.00 |
| 112 | 2033-09 | 1017.63 | 17.63 | 1000.00 | 8000.00 |
| 113 | 2033-10 | 1015.67 | 15.67 | 1000.00 | 7000.00 |
| 114 | 2033-11 | 1013.71 | 13.71 | 1000.00 | 6000.00 |
| 115 | 2033-12 | 1011.75 | 11.75 | 1000.00 | 5000.00 |
| 116 | 2034-01 | 1009.79 | 9.79 | 1000.00 | 4000.00 |
| 117 | 2034-02 | 1007.83 | 7.83 | 1000.00 | 3000.00 |
| 118 | 2034-03 | 1005.88 | 5.88 | 1000.00 | 2000.00 |
| 119 | 2034-04 | 1003.92 | 3.92 | 1000.00 | 1000.00 |
| 120 | 2034-05 | 1001.96 | 1.96 | 1000.00 | 0.00 |