贷款45万（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：45万
还款月数：6年
每月还款：6887.6元
利息总额：4.59万
本息合计：49.59万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-03 | 6887.60 | 1218.75 | 5668.85 | 444331.15 |
| 2 | 2024-04 | 6887.60 | 1203.40 | 5684.20 | 438646.95 |
| 3 | 2024-05 | 6887.60 | 1188.00 | 5699.60 | 432947.35 |
| 4 | 2024-06 | 6887.60 | 1172.57 | 5715.03 | 427232.31 |
| 5 | 2024-07 | 6887.60 | 1157.09 | 5730.51 | 421501.80 |
| 6 | 2024-08 | 6887.60 | 1141.57 | 5746.03 | 415755.77 |
| 7 | 2024-09 | 6887.60 | 1126.01 | 5761.59 | 409994.17 |
| 8 | 2024-10 | 6887.60 | 1110.40 | 5777.20 | 404216.97 |
| 9 | 2024-11 | 6887.60 | 1094.75 | 5792.85 | 398424.13 |
| 10 | 2024-12 | 6887.60 | 1079.07 | 5808.53 | 392615.59 |
| 11 | 2025-01 | 6887.60 | 1063.33 | 5824.27 | 386791.33 |
| 12 | 2025-02 | 6887.60 | 1047.56 | 5840.04 | 380951.29 |
| 13 | 2025-03 | 6887.60 | 1031.74 | 5855.86 | 375095.43 |
| 14 | 2025-04 | 6887.60 | 1015.88 | 5871.72 | 369223.71 |
| 15 | 2025-05 | 6887.60 | 999.98 | 5887.62 | 363336.09 |
| 16 | 2025-06 | 6887.60 | 984.04 | 5903.56 | 357432.53 |
| 17 | 2025-07 | 6887.60 | 968.05 | 5919.55 | 351512.98 |
| 18 | 2025-08 | 6887.60 | 952.01 | 5935.59 | 345577.39 |
| 19 | 2025-09 | 6887.60 | 935.94 | 5951.66 | 339625.73 |
| 20 | 2025-10 | 6887.60 | 919.82 | 5967.78 | 333657.95 |
| 21 | 2025-11 | 6887.60 | 903.66 | 5983.94 | 327674.00 |
| 22 | 2025-12 | 6887.60 | 887.45 | 6000.15 | 321673.85 |
| 23 | 2026-01 | 6887.60 | 871.20 | 6016.40 | 315657.45 |
| 24 | 2026-02 | 6887.60 | 854.91 | 6032.69 | 309624.76 |
| 25 | 2026-03 | 6887.60 | 838.57 | 6049.03 | 303575.73 |
| 26 | 2026-04 | 6887.60 | 822.18 | 6065.42 | 297510.31 |
| 27 | 2026-05 | 6887.60 | 805.76 | 6081.84 | 291428.47 |
| 28 | 2026-06 | 6887.60 | 789.29 | 6098.31 | 285330.15 |
| 29 | 2026-07 | 6887.60 | 772.77 | 6114.83 | 279215.32 |
| 30 | 2026-08 | 6887.60 | 756.21 | 6131.39 | 273083.93 |
| 31 | 2026-09 | 6887.60 | 739.60 | 6148.00 | 266935.93 |
| 32 | 2026-10 | 6887.60 | 722.95 | 6164.65 | 260771.28 |
| 33 | 2026-11 | 6887.60 | 706.26 | 6181.34 | 254589.94 |
| 34 | 2026-12 | 6887.60 | 689.51 | 6198.09 | 248391.85 |
| 35 | 2027-01 | 6887.60 | 672.73 | 6214.87 | 242176.98 |
| 36 | 2027-02 | 6887.60 | 655.90 | 6231.70 | 235945.28 |
| 37 | 2027-03 | 6887.60 | 639.02 | 6248.58 | 229696.70 |
| 38 | 2027-04 | 6887.60 | 622.10 | 6265.50 | 223431.19 |
| 39 | 2027-05 | 6887.60 | 605.13 | 6282.47 | 217148.72 |
| 40 | 2027-06 | 6887.60 | 588.11 | 6299.49 | 210849.23 |
| 41 | 2027-07 | 6887.60 | 571.05 | 6316.55 | 204532.68 |
| 42 | 2027-08 | 6887.60 | 553.94 | 6333.66 | 198199.02 |
| 43 | 2027-09 | 6887.60 | 536.79 | 6350.81 | 191848.21 |
| 44 | 2027-10 | 6887.60 | 519.59 | 6368.01 | 185480.20 |
| 45 | 2027-11 | 6887.60 | 502.34 | 6385.26 | 179094.94 |
| 46 | 2027-12 | 6887.60 | 485.05 | 6402.55 | 172692.39 |
| 47 | 2028-01 | 6887.60 | 467.71 | 6419.89 | 166272.50 |
| 48 | 2028-02 | 6887.60 | 450.32 | 6437.28 | 159835.22 |
| 49 | 2028-03 | 6887.60 | 432.89 | 6454.71 | 153380.50 |
| 50 | 2028-04 | 6887.60 | 415.41 | 6472.19 | 146908.31 |
| 51 | 2028-05 | 6887.60 | 397.88 | 6489.72 | 140418.59 |
| 52 | 2028-06 | 6887.60 | 380.30 | 6507.30 | 133911.29 |
| 53 | 2028-07 | 6887.60 | 362.68 | 6524.92 | 127386.36 |
| 54 | 2028-08 | 6887.60 | 345.00 | 6542.60 | 120843.77 |
| 55 | 2028-09 | 6887.60 | 327.29 | 6560.31 | 114283.45 |
| 56 | 2028-10 | 6887.60 | 309.52 | 6578.08 | 107705.37 |
| 57 | 2028-11 | 6887.60 | 291.70 | 6595.90 | 101109.47 |
| 58 | 2028-12 | 6887.60 | 273.84 | 6613.76 | 94495.71 |
| 59 | 2029-01 | 6887.60 | 255.93 | 6631.67 | 87864.04 |
| 60 | 2029-02 | 6887.60 | 237.97 | 6649.64 | 81214.40 |
| 61 | 2029-03 | 6887.60 | 219.96 | 6667.64 | 74546.76 |
| 62 | 2029-04 | 6887.60 | 201.90 | 6685.70 | 67861.05 |
| 63 | 2029-05 | 6887.60 | 183.79 | 6703.81 | 61157.24 |
| 64 | 2029-06 | 6887.60 | 165.63 | 6721.97 | 54435.28 |
| 65 | 2029-07 | 6887.60 | 147.43 | 6740.17 | 47695.11 |
| 66 | 2029-08 | 6887.60 | 129.17 | 6758.43 | 40936.68 |
| 67 | 2029-09 | 6887.60 | 110.87 | 6776.73 | 34159.95 |
| 68 | 2029-10 | 6887.60 | 92.52 | 6795.08 | 27364.87 |
| 69 | 2029-11 | 6887.60 | 74.11 | 6813.49 | 20551.38 |
| 70 | 2029-12 | 6887.60 | 55.66 | 6831.94 | 13719.44 |
| 71 | 2030-01 | 6887.60 | 37.16 | 6850.44 | 6869.00 |
| 72 | 2030-02 | 6887.60 | 18.60 | 6869.00 | 0.00 |
等额本金还款方式：
贷款总额：45万
还款月数：6年
首月还款：7468.75元
每月递减：16.93元
利息总额：4.45万
本息合计：49.45万
节省利息：1422.84元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-03 | 7468.75 | 1218.75 | 6250.00 | 443750.00 |
| 2 | 2024-04 | 7451.82 | 1201.82 | 6250.00 | 437500.00 |
| 3 | 2024-05 | 7434.90 | 1184.90 | 6250.00 | 431250.00 |
| 4 | 2024-06 | 7417.97 | 1167.97 | 6250.00 | 425000.00 |
| 5 | 2024-07 | 7401.04 | 1151.04 | 6250.00 | 418750.00 |
| 6 | 2024-08 | 7384.11 | 1134.11 | 6250.00 | 412500.00 |
| 7 | 2024-09 | 7367.19 | 1117.19 | 6250.00 | 406250.00 |
| 8 | 2024-10 | 7350.26 | 1100.26 | 6250.00 | 400000.00 |
| 9 | 2024-11 | 7333.33 | 1083.33 | 6250.00 | 393750.00 |
| 10 | 2024-12 | 7316.41 | 1066.41 | 6250.00 | 387500.00 |
| 11 | 2025-01 | 7299.48 | 1049.48 | 6250.00 | 381250.00 |
| 12 | 2025-02 | 7282.55 | 1032.55 | 6250.00 | 375000.00 |
| 13 | 2025-03 | 7265.63 | 1015.63 | 6250.00 | 368750.00 |
| 14 | 2025-04 | 7248.70 | 998.70 | 6250.00 | 362500.00 |
| 15 | 2025-05 | 7231.77 | 981.77 | 6250.00 | 356250.00 |
| 16 | 2025-06 | 7214.84 | 964.84 | 6250.00 | 350000.00 |
| 17 | 2025-07 | 7197.92 | 947.92 | 6250.00 | 343750.00 |
| 18 | 2025-08 | 7180.99 | 930.99 | 6250.00 | 337500.00 |
| 19 | 2025-09 | 7164.06 | 914.06 | 6250.00 | 331250.00 |
| 20 | 2025-10 | 7147.14 | 897.14 | 6250.00 | 325000.00 |
| 21 | 2025-11 | 7130.21 | 880.21 | 6250.00 | 318750.00 |
| 22 | 2025-12 | 7113.28 | 863.28 | 6250.00 | 312500.00 |
| 23 | 2026-01 | 7096.35 | 846.35 | 6250.00 | 306250.00 |
| 24 | 2026-02 | 7079.43 | 829.43 | 6250.00 | 300000.00 |
| 25 | 2026-03 | 7062.50 | 812.50 | 6250.00 | 293750.00 |
| 26 | 2026-04 | 7045.57 | 795.57 | 6250.00 | 287500.00 |
| 27 | 2026-05 | 7028.65 | 778.65 | 6250.00 | 281250.00 |
| 28 | 2026-06 | 7011.72 | 761.72 | 6250.00 | 275000.00 |
| 29 | 2026-07 | 6994.79 | 744.79 | 6250.00 | 268750.00 |
| 30 | 2026-08 | 6977.86 | 727.86 | 6250.00 | 262500.00 |
| 31 | 2026-09 | 6960.94 | 710.94 | 6250.00 | 256250.00 |
| 32 | 2026-10 | 6944.01 | 694.01 | 6250.00 | 250000.00 |
| 33 | 2026-11 | 6927.08 | 677.08 | 6250.00 | 243750.00 |
| 34 | 2026-12 | 6910.16 | 660.16 | 6250.00 | 237500.00 |
| 35 | 2027-01 | 6893.23 | 643.23 | 6250.00 | 231250.00 |
| 36 | 2027-02 | 6876.30 | 626.30 | 6250.00 | 225000.00 |
| 37 | 2027-03 | 6859.38 | 609.38 | 6250.00 | 218750.00 |
| 38 | 2027-04 | 6842.45 | 592.45 | 6250.00 | 212500.00 |
| 39 | 2027-05 | 6825.52 | 575.52 | 6250.00 | 206250.00 |
| 40 | 2027-06 | 6808.59 | 558.59 | 6250.00 | 200000.00 |
| 41 | 2027-07 | 6791.67 | 541.67 | 6250.00 | 193750.00 |
| 42 | 2027-08 | 6774.74 | 524.74 | 6250.00 | 187500.00 |
| 43 | 2027-09 | 6757.81 | 507.81 | 6250.00 | 181250.00 |
| 44 | 2027-10 | 6740.89 | 490.89 | 6250.00 | 175000.00 |
| 45 | 2027-11 | 6723.96 | 473.96 | 6250.00 | 168750.00 |
| 46 | 2027-12 | 6707.03 | 457.03 | 6250.00 | 162500.00 |
| 47 | 2028-01 | 6690.10 | 440.10 | 6250.00 | 156250.00 |
| 48 | 2028-02 | 6673.18 | 423.18 | 6250.00 | 150000.00 |
| 49 | 2028-03 | 6656.25 | 406.25 | 6250.00 | 143750.00 |
| 50 | 2028-04 | 6639.32 | 389.32 | 6250.00 | 137500.00 |
| 51 | 2028-05 | 6622.40 | 372.40 | 6250.00 | 131250.00 |
| 52 | 2028-06 | 6605.47 | 355.47 | 6250.00 | 125000.00 |
| 53 | 2028-07 | 6588.54 | 338.54 | 6250.00 | 118750.00 |
| 54 | 2028-08 | 6571.61 | 321.61 | 6250.00 | 112500.00 |
| 55 | 2028-09 | 6554.69 | 304.69 | 6250.00 | 106250.00 |
| 56 | 2028-10 | 6537.76 | 287.76 | 6250.00 | 100000.00 |
| 57 | 2028-11 | 6520.83 | 270.83 | 6250.00 | 93750.00 |
| 58 | 2028-12 | 6503.91 | 253.91 | 6250.00 | 87500.00 |
| 59 | 2029-01 | 6486.98 | 236.98 | 6250.00 | 81250.00 |
| 60 | 2029-02 | 6470.05 | 220.05 | 6250.00 | 75000.00 |
| 61 | 2029-03 | 6453.13 | 203.13 | 6250.00 | 68750.00 |
| 62 | 2029-04 | 6436.20 | 186.20 | 6250.00 | 62500.00 |
| 63 | 2029-05 | 6419.27 | 169.27 | 6250.00 | 56250.00 |
| 64 | 2029-06 | 6402.34 | 152.34 | 6250.00 | 50000.00 |
| 65 | 2029-07 | 6385.42 | 135.42 | 6250.00 | 43750.00 |
| 66 | 2029-08 | 6368.49 | 118.49 | 6250.00 | 37500.00 |
| 67 | 2029-09 | 6351.56 | 101.56 | 6250.00 | 31250.00 |
| 68 | 2029-10 | 6334.64 | 84.64 | 6250.00 | 25000.00 |
| 69 | 2029-11 | 6317.71 | 67.71 | 6250.00 | 18750.00 |
| 70 | 2029-12 | 6300.78 | 50.78 | 6250.00 | 12500.00 |
| 71 | 2030-01 | 6283.85 | 33.85 | 6250.00 | 6250.00 |
| 72 | 2030-02 | 6266.93 | 16.93 | 6250.00 | 0.00 |