贷款21万（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：21万
还款月数：10年
每月还款：1989.23元
利息总额：2.87万
本息合计：23.87万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 1989.23 | 455.00 | 1534.23 | 208465.77 |
| 2 | 2025-06 | 1989.23 | 451.68 | 1537.56 | 206928.21 |
| 3 | 2025-07 | 1989.23 | 448.34 | 1540.89 | 205387.32 |
| 4 | 2025-08 | 1989.23 | 445.01 | 1544.23 | 203843.10 |
| 5 | 2025-09 | 1989.23 | 441.66 | 1547.57 | 202295.53 |
| 6 | 2025-10 | 1989.23 | 438.31 | 1550.92 | 200744.60 |
| 7 | 2025-11 | 1989.23 | 434.95 | 1554.29 | 199190.32 |
| 8 | 2025-12 | 1989.23 | 431.58 | 1557.65 | 197632.66 |
| 9 | 2026-01 | 1989.23 | 428.20 | 1561.03 | 196071.64 |
| 10 | 2026-02 | 1989.23 | 424.82 | 1564.41 | 194507.23 |
| 11 | 2026-03 | 1989.23 | 421.43 | 1567.80 | 192939.43 |
| 12 | 2026-04 | 1989.23 | 418.04 | 1571.20 | 191368.23 |
| 13 | 2026-05 | 1989.23 | 414.63 | 1574.60 | 189793.63 |
| 14 | 2026-06 | 1989.23 | 411.22 | 1578.01 | 188215.62 |
| 15 | 2026-07 | 1989.23 | 407.80 | 1581.43 | 186634.19 |
| 16 | 2026-08 | 1989.23 | 404.37 | 1584.86 | 185049.33 |
| 17 | 2026-09 | 1989.23 | 400.94 | 1588.29 | 183461.04 |
| 18 | 2026-10 | 1989.23 | 397.50 | 1591.73 | 181869.31 |
| 19 | 2026-11 | 1989.23 | 394.05 | 1595.18 | 180274.12 |
| 20 | 2026-12 | 1989.23 | 390.59 | 1598.64 | 178675.49 |
| 21 | 2027-01 | 1989.23 | 387.13 | 1602.10 | 177073.38 |
| 22 | 2027-02 | 1989.23 | 383.66 | 1605.57 | 175467.81 |
| 23 | 2027-03 | 1989.23 | 380.18 | 1609.05 | 173858.76 |
| 24 | 2027-04 | 1989.23 | 376.69 | 1612.54 | 172246.22 |
| 25 | 2027-05 | 1989.23 | 373.20 | 1616.03 | 170630.19 |
| 26 | 2027-06 | 1989.23 | 369.70 | 1619.53 | 169010.66 |
| 27 | 2027-07 | 1989.23 | 366.19 | 1623.04 | 167387.62 |
| 28 | 2027-08 | 1989.23 | 362.67 | 1626.56 | 165761.06 |
| 29 | 2027-09 | 1989.23 | 359.15 | 1630.08 | 164130.97 |
| 30 | 2027-10 | 1989.23 | 355.62 | 1633.61 | 162497.36 |
| 31 | 2027-11 | 1989.23 | 352.08 | 1637.15 | 160860.21 |
| 32 | 2027-12 | 1989.23 | 348.53 | 1640.70 | 159219.50 |
| 33 | 2028-01 | 1989.23 | 344.98 | 1644.26 | 157575.25 |
| 34 | 2028-02 | 1989.23 | 341.41 | 1647.82 | 155927.43 |
| 35 | 2028-03 | 1989.23 | 337.84 | 1651.39 | 154276.04 |
| 36 | 2028-04 | 1989.23 | 334.26 | 1654.97 | 152621.07 |
| 37 | 2028-05 | 1989.23 | 330.68 | 1658.55 | 150962.52 |
| 38 | 2028-06 | 1989.23 | 327.09 | 1662.15 | 149300.37 |
| 39 | 2028-07 | 1989.23 | 323.48 | 1665.75 | 147634.63 |
| 40 | 2028-08 | 1989.23 | 319.88 | 1669.36 | 145965.27 |
| 41 | 2028-09 | 1989.23 | 316.26 | 1672.97 | 144292.30 |
| 42 | 2028-10 | 1989.23 | 312.63 | 1676.60 | 142615.70 |
| 43 | 2028-11 | 1989.23 | 309.00 | 1680.23 | 140935.47 |
| 44 | 2028-12 | 1989.23 | 305.36 | 1683.87 | 139251.59 |
| 45 | 2029-01 | 1989.23 | 301.71 | 1687.52 | 137564.07 |
| 46 | 2029-02 | 1989.23 | 298.06 | 1691.18 | 135872.90 |
| 47 | 2029-03 | 1989.23 | 294.39 | 1694.84 | 134178.06 |
| 48 | 2029-04 | 1989.23 | 290.72 | 1698.51 | 132479.55 |
| 49 | 2029-05 | 1989.23 | 287.04 | 1702.19 | 130777.35 |
| 50 | 2029-06 | 1989.23 | 283.35 | 1705.88 | 129071.47 |
| 51 | 2029-07 | 1989.23 | 279.65 | 1709.58 | 127361.89 |
| 52 | 2029-08 | 1989.23 | 275.95 | 1713.28 | 125648.61 |
| 53 | 2029-09 | 1989.23 | 272.24 | 1716.99 | 123931.62 |
| 54 | 2029-10 | 1989.23 | 268.52 | 1720.71 | 122210.91 |
| 55 | 2029-11 | 1989.23 | 264.79 | 1724.44 | 120486.47 |
| 56 | 2029-12 | 1989.23 | 261.05 | 1728.18 | 118758.29 |
| 57 | 2030-01 | 1989.23 | 257.31 | 1731.92 | 117026.37 |
| 58 | 2030-02 | 1989.23 | 253.56 | 1735.67 | 115290.69 |
| 59 | 2030-03 | 1989.23 | 249.80 | 1739.44 | 113551.26 |
| 60 | 2030-04 | 1989.23 | 246.03 | 1743.20 | 111808.05 |
| 61 | 2030-05 | 1989.23 | 242.25 | 1746.98 | 110061.07 |
| 62 | 2030-06 | 1989.23 | 238.47 | 1750.77 | 108310.31 |
| 63 | 2030-07 | 1989.23 | 234.67 | 1754.56 | 106555.75 |
| 64 | 2030-08 | 1989.23 | 230.87 | 1758.36 | 104797.38 |
| 65 | 2030-09 | 1989.23 | 227.06 | 1762.17 | 103035.21 |
| 66 | 2030-10 | 1989.23 | 223.24 | 1765.99 | 101269.23 |
| 67 | 2030-11 | 1989.23 | 219.42 | 1769.82 | 99499.41 |
| 68 | 2030-12 | 1989.23 | 215.58 | 1773.65 | 97725.76 |
| 69 | 2031-01 | 1989.23 | 211.74 | 1777.49 | 95948.27 |
| 70 | 2031-02 | 1989.23 | 207.89 | 1781.34 | 94166.92 |
| 71 | 2031-03 | 1989.23 | 204.03 | 1785.20 | 92381.72 |
| 72 | 2031-04 | 1989.23 | 200.16 | 1789.07 | 90592.65 |
| 73 | 2031-05 | 1989.23 | 196.28 | 1792.95 | 88799.70 |
| 74 | 2031-06 | 1989.23 | 192.40 | 1796.83 | 87002.87 |
| 75 | 2031-07 | 1989.23 | 188.51 | 1800.73 | 85202.14 |
| 76 | 2031-08 | 1989.23 | 184.60 | 1804.63 | 83397.52 |
| 77 | 2031-09 | 1989.23 | 180.69 | 1808.54 | 81588.98 |
| 78 | 2031-10 | 1989.23 | 176.78 | 1812.46 | 79776.52 |
| 79 | 2031-11 | 1989.23 | 172.85 | 1816.38 | 77960.14 |
| 80 | 2031-12 | 1989.23 | 168.91 | 1820.32 | 76139.82 |
| 81 | 2032-01 | 1989.23 | 164.97 | 1824.26 | 74315.56 |
| 82 | 2032-02 | 1989.23 | 161.02 | 1828.21 | 72487.35 |
| 83 | 2032-03 | 1989.23 | 157.06 | 1832.18 | 70655.17 |
| 84 | 2032-04 | 1989.23 | 153.09 | 1836.15 | 68819.02 |
| 85 | 2032-05 | 1989.23 | 149.11 | 1840.12 | 66978.90 |
| 86 | 2032-06 | 1989.23 | 145.12 | 1844.11 | 65134.79 |
| 87 | 2032-07 | 1989.23 | 141.13 | 1848.11 | 63286.68 |
| 88 | 2032-08 | 1989.23 | 137.12 | 1852.11 | 61434.57 |
| 89 | 2032-09 | 1989.23 | 133.11 | 1856.12 | 59578.45 |
| 90 | 2032-10 | 1989.23 | 129.09 | 1860.15 | 57718.30 |
| 91 | 2032-11 | 1989.23 | 125.06 | 1864.18 | 55854.13 |
| 92 | 2032-12 | 1989.23 | 121.02 | 1868.21 | 53985.91 |
| 93 | 2033-01 | 1989.23 | 116.97 | 1872.26 | 52113.65 |
| 94 | 2033-02 | 1989.23 | 112.91 | 1876.32 | 50237.33 |
| 95 | 2033-03 | 1989.23 | 108.85 | 1880.38 | 48356.95 |
| 96 | 2033-04 | 1989.23 | 104.77 | 1884.46 | 46472.49 |
| 97 | 2033-05 | 1989.23 | 100.69 | 1888.54 | 44583.95 |
| 98 | 2033-06 | 1989.23 | 96.60 | 1892.63 | 42691.32 |
| 99 | 2033-07 | 1989.23 | 92.50 | 1896.73 | 40794.58 |
| 100 | 2033-08 | 1989.23 | 88.39 | 1900.84 | 38893.74 |
| 101 | 2033-09 | 1989.23 | 84.27 | 1904.96 | 36988.78 |
| 102 | 2033-10 | 1989.23 | 80.14 | 1909.09 | 35079.69 |
| 103 | 2033-11 | 1989.23 | 76.01 | 1913.23 | 33166.46 |
| 104 | 2033-12 | 1989.23 | 71.86 | 1917.37 | 31249.09 |
| 105 | 2034-01 | 1989.23 | 67.71 | 1921.53 | 29327.56 |
| 106 | 2034-02 | 1989.23 | 63.54 | 1925.69 | 27401.88 |
| 107 | 2034-03 | 1989.23 | 59.37 | 1929.86 | 25472.02 |
| 108 | 2034-04 | 1989.23 | 55.19 | 1934.04 | 23537.97 |
| 109 | 2034-05 | 1989.23 | 51.00 | 1938.23 | 21599.74 |
| 110 | 2034-06 | 1989.23 | 46.80 | 1942.43 | 19657.31 |
| 111 | 2034-07 | 1989.23 | 42.59 | 1946.64 | 17710.67 |
| 112 | 2034-08 | 1989.23 | 38.37 | 1950.86 | 15759.81 |
| 113 | 2034-09 | 1989.23 | 34.15 | 1955.09 | 13804.72 |
| 114 | 2034-10 | 1989.23 | 29.91 | 1959.32 | 11845.40 |
| 115 | 2034-11 | 1989.23 | 25.67 | 1963.57 | 9881.83 |
| 116 | 2034-12 | 1989.23 | 21.41 | 1967.82 | 7914.01 |
| 117 | 2035-01 | 1989.23 | 17.15 | 1972.08 | 5941.93 |
| 118 | 2035-02 | 1989.23 | 12.87 | 1976.36 | 3965.57 |
| 119 | 2035-03 | 1989.23 | 8.59 | 1980.64 | 1984.93 |
| 120 | 2035-04 | 1989.23 | 4.30 | 1984.93 | 0.00 |
等额本金还款方式：
贷款总额：21万
还款月数：10年
首月还款：2205元
每月递减：3.79元
利息总额：2.75万
本息合计：23.75万
节省利息：1180.31元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 2205.00 | 455.00 | 1750.00 | 208250.00 |
| 2 | 2025-06 | 2201.21 | 451.21 | 1750.00 | 206500.00 |
| 3 | 2025-07 | 2197.42 | 447.42 | 1750.00 | 204750.00 |
| 4 | 2025-08 | 2193.63 | 443.63 | 1750.00 | 203000.00 |
| 5 | 2025-09 | 2189.83 | 439.83 | 1750.00 | 201250.00 |
| 6 | 2025-10 | 2186.04 | 436.04 | 1750.00 | 199500.00 |
| 7 | 2025-11 | 2182.25 | 432.25 | 1750.00 | 197750.00 |
| 8 | 2025-12 | 2178.46 | 428.46 | 1750.00 | 196000.00 |
| 9 | 2026-01 | 2174.67 | 424.67 | 1750.00 | 194250.00 |
| 10 | 2026-02 | 2170.88 | 420.88 | 1750.00 | 192500.00 |
| 11 | 2026-03 | 2167.08 | 417.08 | 1750.00 | 190750.00 |
| 12 | 2026-04 | 2163.29 | 413.29 | 1750.00 | 189000.00 |
| 13 | 2026-05 | 2159.50 | 409.50 | 1750.00 | 187250.00 |
| 14 | 2026-06 | 2155.71 | 405.71 | 1750.00 | 185500.00 |
| 15 | 2026-07 | 2151.92 | 401.92 | 1750.00 | 183750.00 |
| 16 | 2026-08 | 2148.13 | 398.13 | 1750.00 | 182000.00 |
| 17 | 2026-09 | 2144.33 | 394.33 | 1750.00 | 180250.00 |
| 18 | 2026-10 | 2140.54 | 390.54 | 1750.00 | 178500.00 |
| 19 | 2026-11 | 2136.75 | 386.75 | 1750.00 | 176750.00 |
| 20 | 2026-12 | 2132.96 | 382.96 | 1750.00 | 175000.00 |
| 21 | 2027-01 | 2129.17 | 379.17 | 1750.00 | 173250.00 |
| 22 | 2027-02 | 2125.38 | 375.38 | 1750.00 | 171500.00 |
| 23 | 2027-03 | 2121.58 | 371.58 | 1750.00 | 169750.00 |
| 24 | 2027-04 | 2117.79 | 367.79 | 1750.00 | 168000.00 |
| 25 | 2027-05 | 2114.00 | 364.00 | 1750.00 | 166250.00 |
| 26 | 2027-06 | 2110.21 | 360.21 | 1750.00 | 164500.00 |
| 27 | 2027-07 | 2106.42 | 356.42 | 1750.00 | 162750.00 |
| 28 | 2027-08 | 2102.63 | 352.63 | 1750.00 | 161000.00 |
| 29 | 2027-09 | 2098.83 | 348.83 | 1750.00 | 159250.00 |
| 30 | 2027-10 | 2095.04 | 345.04 | 1750.00 | 157500.00 |
| 31 | 2027-11 | 2091.25 | 341.25 | 1750.00 | 155750.00 |
| 32 | 2027-12 | 2087.46 | 337.46 | 1750.00 | 154000.00 |
| 33 | 2028-01 | 2083.67 | 333.67 | 1750.00 | 152250.00 |
| 34 | 2028-02 | 2079.88 | 329.88 | 1750.00 | 150500.00 |
| 35 | 2028-03 | 2076.08 | 326.08 | 1750.00 | 148750.00 |
| 36 | 2028-04 | 2072.29 | 322.29 | 1750.00 | 147000.00 |
| 37 | 2028-05 | 2068.50 | 318.50 | 1750.00 | 145250.00 |
| 38 | 2028-06 | 2064.71 | 314.71 | 1750.00 | 143500.00 |
| 39 | 2028-07 | 2060.92 | 310.92 | 1750.00 | 141750.00 |
| 40 | 2028-08 | 2057.13 | 307.13 | 1750.00 | 140000.00 |
| 41 | 2028-09 | 2053.33 | 303.33 | 1750.00 | 138250.00 |
| 42 | 2028-10 | 2049.54 | 299.54 | 1750.00 | 136500.00 |
| 43 | 2028-11 | 2045.75 | 295.75 | 1750.00 | 134750.00 |
| 44 | 2028-12 | 2041.96 | 291.96 | 1750.00 | 133000.00 |
| 45 | 2029-01 | 2038.17 | 288.17 | 1750.00 | 131250.00 |
| 46 | 2029-02 | 2034.38 | 284.38 | 1750.00 | 129500.00 |
| 47 | 2029-03 | 2030.58 | 280.58 | 1750.00 | 127750.00 |
| 48 | 2029-04 | 2026.79 | 276.79 | 1750.00 | 126000.00 |
| 49 | 2029-05 | 2023.00 | 273.00 | 1750.00 | 124250.00 |
| 50 | 2029-06 | 2019.21 | 269.21 | 1750.00 | 122500.00 |
| 51 | 2029-07 | 2015.42 | 265.42 | 1750.00 | 120750.00 |
| 52 | 2029-08 | 2011.63 | 261.63 | 1750.00 | 119000.00 |
| 53 | 2029-09 | 2007.83 | 257.83 | 1750.00 | 117250.00 |
| 54 | 2029-10 | 2004.04 | 254.04 | 1750.00 | 115500.00 |
| 55 | 2029-11 | 2000.25 | 250.25 | 1750.00 | 113750.00 |
| 56 | 2029-12 | 1996.46 | 246.46 | 1750.00 | 112000.00 |
| 57 | 2030-01 | 1992.67 | 242.67 | 1750.00 | 110250.00 |
| 58 | 2030-02 | 1988.88 | 238.88 | 1750.00 | 108500.00 |
| 59 | 2030-03 | 1985.08 | 235.08 | 1750.00 | 106750.00 |
| 60 | 2030-04 | 1981.29 | 231.29 | 1750.00 | 105000.00 |
| 61 | 2030-05 | 1977.50 | 227.50 | 1750.00 | 103250.00 |
| 62 | 2030-06 | 1973.71 | 223.71 | 1750.00 | 101500.00 |
| 63 | 2030-07 | 1969.92 | 219.92 | 1750.00 | 99750.00 |
| 64 | 2030-08 | 1966.13 | 216.13 | 1750.00 | 98000.00 |
| 65 | 2030-09 | 1962.33 | 212.33 | 1750.00 | 96250.00 |
| 66 | 2030-10 | 1958.54 | 208.54 | 1750.00 | 94500.00 |
| 67 | 2030-11 | 1954.75 | 204.75 | 1750.00 | 92750.00 |
| 68 | 2030-12 | 1950.96 | 200.96 | 1750.00 | 91000.00 |
| 69 | 2031-01 | 1947.17 | 197.17 | 1750.00 | 89250.00 |
| 70 | 2031-02 | 1943.38 | 193.38 | 1750.00 | 87500.00 |
| 71 | 2031-03 | 1939.58 | 189.58 | 1750.00 | 85750.00 |
| 72 | 2031-04 | 1935.79 | 185.79 | 1750.00 | 84000.00 |
| 73 | 2031-05 | 1932.00 | 182.00 | 1750.00 | 82250.00 |
| 74 | 2031-06 | 1928.21 | 178.21 | 1750.00 | 80500.00 |
| 75 | 2031-07 | 1924.42 | 174.42 | 1750.00 | 78750.00 |
| 76 | 2031-08 | 1920.63 | 170.63 | 1750.00 | 77000.00 |
| 77 | 2031-09 | 1916.83 | 166.83 | 1750.00 | 75250.00 |
| 78 | 2031-10 | 1913.04 | 163.04 | 1750.00 | 73500.00 |
| 79 | 2031-11 | 1909.25 | 159.25 | 1750.00 | 71750.00 |
| 80 | 2031-12 | 1905.46 | 155.46 | 1750.00 | 70000.00 |
| 81 | 2032-01 | 1901.67 | 151.67 | 1750.00 | 68250.00 |
| 82 | 2032-02 | 1897.88 | 147.88 | 1750.00 | 66500.00 |
| 83 | 2032-03 | 1894.08 | 144.08 | 1750.00 | 64750.00 |
| 84 | 2032-04 | 1890.29 | 140.29 | 1750.00 | 63000.00 |
| 85 | 2032-05 | 1886.50 | 136.50 | 1750.00 | 61250.00 |
| 86 | 2032-06 | 1882.71 | 132.71 | 1750.00 | 59500.00 |
| 87 | 2032-07 | 1878.92 | 128.92 | 1750.00 | 57750.00 |
| 88 | 2032-08 | 1875.13 | 125.13 | 1750.00 | 56000.00 |
| 89 | 2032-09 | 1871.33 | 121.33 | 1750.00 | 54250.00 |
| 90 | 2032-10 | 1867.54 | 117.54 | 1750.00 | 52500.00 |
| 91 | 2032-11 | 1863.75 | 113.75 | 1750.00 | 50750.00 |
| 92 | 2032-12 | 1859.96 | 109.96 | 1750.00 | 49000.00 |
| 93 | 2033-01 | 1856.17 | 106.17 | 1750.00 | 47250.00 |
| 94 | 2033-02 | 1852.38 | 102.38 | 1750.00 | 45500.00 |
| 95 | 2033-03 | 1848.58 | 98.58 | 1750.00 | 43750.00 |
| 96 | 2033-04 | 1844.79 | 94.79 | 1750.00 | 42000.00 |
| 97 | 2033-05 | 1841.00 | 91.00 | 1750.00 | 40250.00 |
| 98 | 2033-06 | 1837.21 | 87.21 | 1750.00 | 38500.00 |
| 99 | 2033-07 | 1833.42 | 83.42 | 1750.00 | 36750.00 |
| 100 | 2033-08 | 1829.63 | 79.63 | 1750.00 | 35000.00 |
| 101 | 2033-09 | 1825.83 | 75.83 | 1750.00 | 33250.00 |
| 102 | 2033-10 | 1822.04 | 72.04 | 1750.00 | 31500.00 |
| 103 | 2033-11 | 1818.25 | 68.25 | 1750.00 | 29750.00 |
| 104 | 2033-12 | 1814.46 | 64.46 | 1750.00 | 28000.00 |
| 105 | 2034-01 | 1810.67 | 60.67 | 1750.00 | 26250.00 |
| 106 | 2034-02 | 1806.88 | 56.88 | 1750.00 | 24500.00 |
| 107 | 2034-03 | 1803.08 | 53.08 | 1750.00 | 22750.00 |
| 108 | 2034-04 | 1799.29 | 49.29 | 1750.00 | 21000.00 |
| 109 | 2034-05 | 1795.50 | 45.50 | 1750.00 | 19250.00 |
| 110 | 2034-06 | 1791.71 | 41.71 | 1750.00 | 17500.00 |
| 111 | 2034-07 | 1787.92 | 37.92 | 1750.00 | 15750.00 |
| 112 | 2034-08 | 1784.13 | 34.13 | 1750.00 | 14000.00 |
| 113 | 2034-09 | 1780.33 | 30.33 | 1750.00 | 12250.00 |
| 114 | 2034-10 | 1776.54 | 26.54 | 1750.00 | 10500.00 |
| 115 | 2034-11 | 1772.75 | 22.75 | 1750.00 | 8750.00 |
| 116 | 2034-12 | 1768.96 | 18.96 | 1750.00 | 7000.00 |
| 117 | 2035-01 | 1765.17 | 15.17 | 1750.00 | 5250.00 |
| 118 | 2035-02 | 1761.38 | 11.38 | 1750.00 | 3500.00 |
| 119 | 2035-03 | 1757.58 | 7.58 | 1750.00 | 1750.00 |
| 120 | 2035-04 | 1753.79 | 3.79 | 1750.00 | 0.00 |