贷款76万（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：76万
还款月数：6年
每月还款：11496.26元
利息总额：6.77万
本息合计：82.77万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-05 | 11496.26 | 1805.00 | 9691.26 | 750308.74 |
| 2 | 2024-06 | 11496.26 | 1781.98 | 9714.28 | 740594.46 |
| 3 | 2024-07 | 11496.26 | 1758.91 | 9737.35 | 730857.10 |
| 4 | 2024-08 | 11496.26 | 1735.79 | 9760.48 | 721096.63 |
| 5 | 2024-09 | 11496.26 | 1712.60 | 9783.66 | 711312.97 |
| 6 | 2024-10 | 11496.26 | 1689.37 | 9806.90 | 701506.07 |
| 7 | 2024-11 | 11496.26 | 1666.08 | 9830.19 | 691675.89 |
| 8 | 2024-12 | 11496.26 | 1642.73 | 9853.53 | 681822.35 |
| 9 | 2025-01 | 11496.26 | 1619.33 | 9876.94 | 671945.42 |
| 10 | 2025-02 | 11496.26 | 1595.87 | 9900.39 | 662045.02 |
| 11 | 2025-03 | 11496.26 | 1572.36 | 9923.91 | 652121.12 |
| 12 | 2025-04 | 11496.26 | 1548.79 | 9947.48 | 642173.64 |
| 13 | 2025-05 | 11496.26 | 1525.16 | 9971.10 | 632202.54 |
| 14 | 2025-06 | 11496.26 | 1501.48 | 9994.78 | 622207.76 |
| 15 | 2025-07 | 11496.26 | 1477.74 | 10018.52 | 612189.24 |
| 16 | 2025-08 | 11496.26 | 1453.95 | 10042.31 | 602146.92 |
| 17 | 2025-09 | 11496.26 | 1430.10 | 10066.16 | 592080.76 |
| 18 | 2025-10 | 11496.26 | 1406.19 | 10090.07 | 581990.69 |
| 19 | 2025-11 | 11496.26 | 1382.23 | 10114.04 | 571876.65 |
| 20 | 2025-12 | 11496.26 | 1358.21 | 10138.06 | 561738.59 |
| 21 | 2026-01 | 11496.26 | 1334.13 | 10162.13 | 551576.46 |
| 22 | 2026-02 | 11496.26 | 1309.99 | 10186.27 | 541390.19 |
| 23 | 2026-03 | 11496.26 | 1285.80 | 10210.46 | 531179.73 |
| 24 | 2026-04 | 11496.26 | 1261.55 | 10234.71 | 520945.02 |
| 25 | 2026-05 | 11496.26 | 1237.24 | 10259.02 | 510686.00 |
| 26 | 2026-06 | 11496.26 | 1212.88 | 10283.38 | 500402.61 |
| 27 | 2026-07 | 11496.26 | 1188.46 | 10307.81 | 490094.81 |
| 28 | 2026-08 | 11496.26 | 1163.98 | 10332.29 | 479762.52 |
| 29 | 2026-09 | 11496.26 | 1139.44 | 10356.83 | 469405.69 |
| 30 | 2026-10 | 11496.26 | 1114.84 | 10381.43 | 459024.26 |
| 31 | 2026-11 | 11496.26 | 1090.18 | 10406.08 | 448618.18 |
| 32 | 2026-12 | 11496.26 | 1065.47 | 10430.80 | 438187.39 |
| 33 | 2027-01 | 11496.26 | 1040.70 | 10455.57 | 427731.82 |
| 34 | 2027-02 | 11496.26 | 1015.86 | 10480.40 | 417251.42 |
| 35 | 2027-03 | 11496.26 | 990.97 | 10505.29 | 406746.13 |
| 36 | 2027-04 | 11496.26 | 966.02 | 10530.24 | 396215.89 |
| 37 | 2027-05 | 11496.26 | 941.01 | 10555.25 | 385660.63 |
| 38 | 2027-06 | 11496.26 | 915.94 | 10580.32 | 375080.32 |
| 39 | 2027-07 | 11496.26 | 890.82 | 10605.45 | 364474.87 |
| 40 | 2027-08 | 11496.26 | 865.63 | 10630.64 | 353844.23 |
| 41 | 2027-09 | 11496.26 | 840.38 | 10655.88 | 343188.35 |
| 42 | 2027-10 | 11496.26 | 815.07 | 10681.19 | 332507.16 |
| 43 | 2027-11 | 11496.26 | 789.70 | 10706.56 | 321800.60 |
| 44 | 2027-12 | 11496.26 | 764.28 | 10731.99 | 311068.61 |
| 45 | 2028-01 | 11496.26 | 738.79 | 10757.48 | 300311.13 |
| 46 | 2028-02 | 11496.26 | 713.24 | 10783.02 | 289528.11 |
| 47 | 2028-03 | 11496.26 | 687.63 | 10808.63 | 278719.48 |
| 48 | 2028-04 | 11496.26 | 661.96 | 10834.30 | 267885.17 |
| 49 | 2028-05 | 11496.26 | 636.23 | 10860.04 | 257025.13 |
| 50 | 2028-06 | 11496.26 | 610.43 | 10885.83 | 246139.31 |
| 51 | 2028-07 | 11496.26 | 584.58 | 10911.68 | 235227.62 |
| 52 | 2028-08 | 11496.26 | 558.67 | 10937.60 | 224290.03 |
| 53 | 2028-09 | 11496.26 | 532.69 | 10963.57 | 213326.45 |
| 54 | 2028-10 | 11496.26 | 506.65 | 10989.61 | 202336.84 |
| 55 | 2028-11 | 11496.26 | 480.55 | 11015.71 | 191321.12 |
| 56 | 2028-12 | 11496.26 | 454.39 | 11041.88 | 180279.25 |
| 57 | 2029-01 | 11496.26 | 428.16 | 11068.10 | 169211.15 |
| 58 | 2029-02 | 11496.26 | 401.88 | 11094.39 | 158116.76 |
| 59 | 2029-03 | 11496.26 | 375.53 | 11120.74 | 146996.02 |
| 60 | 2029-04 | 11496.26 | 349.12 | 11147.15 | 135848.88 |
| 61 | 2029-05 | 11496.26 | 322.64 | 11173.62 | 124675.25 |
| 62 | 2029-06 | 11496.26 | 296.10 | 11200.16 | 113475.09 |
| 63 | 2029-07 | 11496.26 | 269.50 | 11226.76 | 102248.33 |
| 64 | 2029-08 | 11496.26 | 242.84 | 11253.42 | 90994.91 |
| 65 | 2029-09 | 11496.26 | 216.11 | 11280.15 | 79714.76 |
| 66 | 2029-10 | 11496.26 | 189.32 | 11306.94 | 68407.82 |
| 67 | 2029-11 | 11496.26 | 162.47 | 11333.80 | 57074.02 |
| 68 | 2029-12 | 11496.26 | 135.55 | 11360.71 | 45713.31 |
| 69 | 2030-01 | 11496.26 | 108.57 | 11387.69 | 34325.62 |
| 70 | 2030-02 | 11496.26 | 81.52 | 11414.74 | 22910.87 |
| 71 | 2030-03 | 11496.26 | 54.41 | 11441.85 | 11469.02 |
| 72 | 2030-04 | 11496.26 | 27.24 | 11469.02 | 0.00 |
等额本金还款方式：
贷款总额：76万
还款月数：6年
首月还款：12360.56元
每月递减：25.07元
利息总额：6.59万
本息合计：82.59万
节省利息：1848.48元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-05 | 12360.56 | 1805.00 | 10555.56 | 749444.44 |
| 2 | 2024-06 | 12335.49 | 1779.93 | 10555.56 | 738888.89 |
| 3 | 2024-07 | 12310.42 | 1754.86 | 10555.56 | 728333.33 |
| 4 | 2024-08 | 12285.35 | 1729.79 | 10555.56 | 717777.78 |
| 5 | 2024-09 | 12260.28 | 1704.72 | 10555.56 | 707222.22 |
| 6 | 2024-10 | 12235.21 | 1679.65 | 10555.56 | 696666.67 |
| 7 | 2024-11 | 12210.14 | 1654.58 | 10555.56 | 686111.11 |
| 8 | 2024-12 | 12185.07 | 1629.51 | 10555.56 | 675555.56 |
| 9 | 2025-01 | 12160.00 | 1604.44 | 10555.56 | 665000.00 |
| 10 | 2025-02 | 12134.93 | 1579.38 | 10555.56 | 654444.44 |
| 11 | 2025-03 | 12109.86 | 1554.31 | 10555.56 | 643888.89 |
| 12 | 2025-04 | 12084.79 | 1529.24 | 10555.56 | 633333.33 |
| 13 | 2025-05 | 12059.72 | 1504.17 | 10555.56 | 622777.78 |
| 14 | 2025-06 | 12034.65 | 1479.10 | 10555.56 | 612222.22 |
| 15 | 2025-07 | 12009.58 | 1454.03 | 10555.56 | 601666.67 |
| 16 | 2025-08 | 11984.51 | 1428.96 | 10555.56 | 591111.11 |
| 17 | 2025-09 | 11959.44 | 1403.89 | 10555.56 | 580555.56 |
| 18 | 2025-10 | 11934.38 | 1378.82 | 10555.56 | 570000.00 |
| 19 | 2025-11 | 11909.31 | 1353.75 | 10555.56 | 559444.44 |
| 20 | 2025-12 | 11884.24 | 1328.68 | 10555.56 | 548888.89 |
| 21 | 2026-01 | 11859.17 | 1303.61 | 10555.56 | 538333.33 |
| 22 | 2026-02 | 11834.10 | 1278.54 | 10555.56 | 527777.78 |
| 23 | 2026-03 | 11809.03 | 1253.47 | 10555.56 | 517222.22 |
| 24 | 2026-04 | 11783.96 | 1228.40 | 10555.56 | 506666.67 |
| 25 | 2026-05 | 11758.89 | 1203.33 | 10555.56 | 496111.11 |
| 26 | 2026-06 | 11733.82 | 1178.26 | 10555.56 | 485555.56 |
| 27 | 2026-07 | 11708.75 | 1153.19 | 10555.56 | 475000.00 |
| 28 | 2026-08 | 11683.68 | 1128.13 | 10555.56 | 464444.44 |
| 29 | 2026-09 | 11658.61 | 1103.06 | 10555.56 | 453888.89 |
| 30 | 2026-10 | 11633.54 | 1077.99 | 10555.56 | 443333.33 |
| 31 | 2026-11 | 11608.47 | 1052.92 | 10555.56 | 432777.78 |
| 32 | 2026-12 | 11583.40 | 1027.85 | 10555.56 | 422222.22 |
| 33 | 2027-01 | 11558.33 | 1002.78 | 10555.56 | 411666.67 |
| 34 | 2027-02 | 11533.26 | 977.71 | 10555.56 | 401111.11 |
| 35 | 2027-03 | 11508.19 | 952.64 | 10555.56 | 390555.56 |
| 36 | 2027-04 | 11483.13 | 927.57 | 10555.56 | 380000.00 |
| 37 | 2027-05 | 11458.06 | 902.50 | 10555.56 | 369444.44 |
| 38 | 2027-06 | 11432.99 | 877.43 | 10555.56 | 358888.89 |
| 39 | 2027-07 | 11407.92 | 852.36 | 10555.56 | 348333.33 |
| 40 | 2027-08 | 11382.85 | 827.29 | 10555.56 | 337777.78 |
| 41 | 2027-09 | 11357.78 | 802.22 | 10555.56 | 327222.22 |
| 42 | 2027-10 | 11332.71 | 777.15 | 10555.56 | 316666.67 |
| 43 | 2027-11 | 11307.64 | 752.08 | 10555.56 | 306111.11 |
| 44 | 2027-12 | 11282.57 | 727.01 | 10555.56 | 295555.56 |
| 45 | 2028-01 | 11257.50 | 701.94 | 10555.56 | 285000.00 |
| 46 | 2028-02 | 11232.43 | 676.88 | 10555.56 | 274444.44 |
| 47 | 2028-03 | 11207.36 | 651.81 | 10555.56 | 263888.89 |
| 48 | 2028-04 | 11182.29 | 626.74 | 10555.56 | 253333.33 |
| 49 | 2028-05 | 11157.22 | 601.67 | 10555.56 | 242777.78 |
| 50 | 2028-06 | 11132.15 | 576.60 | 10555.56 | 232222.22 |
| 51 | 2028-07 | 11107.08 | 551.53 | 10555.56 | 221666.67 |
| 52 | 2028-08 | 11082.01 | 526.46 | 10555.56 | 211111.11 |
| 53 | 2028-09 | 11056.94 | 501.39 | 10555.56 | 200555.56 |
| 54 | 2028-10 | 11031.88 | 476.32 | 10555.56 | 190000.00 |
| 55 | 2028-11 | 11006.81 | 451.25 | 10555.56 | 179444.44 |
| 56 | 2028-12 | 10981.74 | 426.18 | 10555.56 | 168888.89 |
| 57 | 2029-01 | 10956.67 | 401.11 | 10555.56 | 158333.33 |
| 58 | 2029-02 | 10931.60 | 376.04 | 10555.56 | 147777.78 |
| 59 | 2029-03 | 10906.53 | 350.97 | 10555.56 | 137222.22 |
| 60 | 2029-04 | 10881.46 | 325.90 | 10555.56 | 126666.67 |
| 61 | 2029-05 | 10856.39 | 300.83 | 10555.56 | 116111.11 |
| 62 | 2029-06 | 10831.32 | 275.76 | 10555.56 | 105555.56 |
| 63 | 2029-07 | 10806.25 | 250.69 | 10555.56 | 95000.00 |
| 64 | 2029-08 | 10781.18 | 225.63 | 10555.56 | 84444.44 |
| 65 | 2029-09 | 10756.11 | 200.56 | 10555.56 | 73888.89 |
| 66 | 2029-10 | 10731.04 | 175.49 | 10555.56 | 63333.33 |
| 67 | 2029-11 | 10705.97 | 150.42 | 10555.56 | 52777.78 |
| 68 | 2029-12 | 10680.90 | 125.35 | 10555.56 | 42222.22 |
| 69 | 2030-01 | 10655.83 | 100.28 | 10555.56 | 31666.67 |
| 70 | 2030-02 | 10630.76 | 75.21 | 10555.56 | 21111.11 |
| 71 | 2030-03 | 10605.69 | 50.14 | 10555.56 | 10555.56 |
| 72 | 2030-04 | 10580.63 | 25.07 | 10555.56 | 0.00 |