沈阳贷款12万（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：12万
还款月数：8年
每月还款：1425.33元
利息总额：1.68万
本息合计：13.68万
| 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 | 1425.33 | 332.50 | 1092.83 | 118907.17 |
| 2 | 2025-06 | 1425.33 | 329.47 | 1095.86 | 117811.31 |
| 3 | 2025-07 | 1425.33 | 326.44 | 1098.90 | 116712.41 |
| 4 | 2025-08 | 1425.33 | 323.39 | 1101.94 | 115610.47 |
| 5 | 2025-09 | 1425.33 | 320.34 | 1105.00 | 114505.47 |
| 6 | 2025-10 | 1425.33 | 317.28 | 1108.06 | 113397.42 |
| 7 | 2025-11 | 1425.33 | 314.21 | 1111.13 | 112286.29 |
| 8 | 2025-12 | 1425.33 | 311.13 | 1114.21 | 111172.08 |
| 9 | 2026-01 | 1425.33 | 308.04 | 1117.29 | 110054.79 |
| 10 | 2026-02 | 1425.33 | 304.94 | 1120.39 | 108934.40 |
| 11 | 2026-03 | 1425.33 | 301.84 | 1123.49 | 107810.91 |
| 12 | 2026-04 | 1425.33 | 298.73 | 1126.61 | 106684.30 |
| 13 | 2026-05 | 1425.33 | 295.60 | 1129.73 | 105554.57 |
| 14 | 2026-06 | 1425.33 | 292.47 | 1132.86 | 104421.71 |
| 15 | 2026-07 | 1425.33 | 289.34 | 1136.00 | 103285.72 |
| 16 | 2026-08 | 1425.33 | 286.19 | 1139.15 | 102146.57 |
| 17 | 2026-09 | 1425.33 | 283.03 | 1142.30 | 101004.27 |
| 18 | 2026-10 | 1425.33 | 279.87 | 1145.47 | 99858.80 |
| 19 | 2026-11 | 1425.33 | 276.69 | 1148.64 | 98710.16 |
| 20 | 2026-12 | 1425.33 | 273.51 | 1151.82 | 97558.34 |
| 21 | 2027-01 | 1425.33 | 270.32 | 1155.01 | 96403.32 |
| 22 | 2027-02 | 1425.33 | 267.12 | 1158.22 | 95245.11 |
| 23 | 2027-03 | 1425.33 | 263.91 | 1161.42 | 94083.69 |
| 24 | 2027-04 | 1425.33 | 260.69 | 1164.64 | 92919.04 |
| 25 | 2027-05 | 1425.33 | 257.46 | 1167.87 | 91751.17 |
| 26 | 2027-06 | 1425.33 | 254.23 | 1171.11 | 90580.07 |
| 27 | 2027-07 | 1425.33 | 250.98 | 1174.35 | 89405.72 |
| 28 | 2027-08 | 1425.33 | 247.73 | 1177.60 | 88228.11 |
| 29 | 2027-09 | 1425.33 | 244.47 | 1180.87 | 87047.25 |
| 30 | 2027-10 | 1425.33 | 241.19 | 1184.14 | 85863.11 |
| 31 | 2027-11 | 1425.33 | 237.91 | 1187.42 | 84675.69 |
| 32 | 2027-12 | 1425.33 | 234.62 | 1190.71 | 83484.98 |
| 33 | 2028-01 | 1425.33 | 231.32 | 1194.01 | 82290.97 |
| 34 | 2028-02 | 1425.33 | 228.01 | 1197.32 | 81093.65 |
| 35 | 2028-03 | 1425.33 | 224.70 | 1200.64 | 79893.01 |
| 36 | 2028-04 | 1425.33 | 221.37 | 1203.96 | 78689.05 |
| 37 | 2028-05 | 1425.33 | 218.03 | 1207.30 | 77481.75 |
| 38 | 2028-06 | 1425.33 | 214.69 | 1210.64 | 76271.11 |
| 39 | 2028-07 | 1425.33 | 211.33 | 1214.00 | 75057.11 |
| 40 | 2028-08 | 1425.33 | 207.97 | 1217.36 | 73839.75 |
| 41 | 2028-09 | 1425.33 | 204.60 | 1220.73 | 72619.02 |
| 42 | 2028-10 | 1425.33 | 201.22 | 1224.12 | 71394.90 |
| 43 | 2028-11 | 1425.33 | 197.82 | 1227.51 | 70167.39 |
| 44 | 2028-12 | 1425.33 | 194.42 | 1230.91 | 68936.48 |
| 45 | 2029-01 | 1425.33 | 191.01 | 1234.32 | 67702.16 |
| 46 | 2029-02 | 1425.33 | 187.59 | 1237.74 | 66464.42 |
| 47 | 2029-03 | 1425.33 | 184.16 | 1241.17 | 65223.25 |
| 48 | 2029-04 | 1425.33 | 180.72 | 1244.61 | 63978.64 |
| 49 | 2029-05 | 1425.33 | 177.27 | 1248.06 | 62730.58 |
| 50 | 2029-06 | 1425.33 | 173.82 | 1251.52 | 61479.06 |
| 51 | 2029-07 | 1425.33 | 170.35 | 1254.98 | 60224.08 |
| 52 | 2029-08 | 1425.33 | 166.87 | 1258.46 | 58965.61 |
| 53 | 2029-09 | 1425.33 | 163.38 | 1261.95 | 57703.67 |
| 54 | 2029-10 | 1425.33 | 159.89 | 1265.45 | 56438.22 |
| 55 | 2029-11 | 1425.33 | 156.38 | 1268.95 | 55169.27 |
| 56 | 2029-12 | 1425.33 | 152.86 | 1272.47 | 53896.80 |
| 57 | 2030-01 | 1425.33 | 149.34 | 1275.99 | 52620.81 |
| 58 | 2030-02 | 1425.33 | 145.80 | 1279.53 | 51341.28 |
| 59 | 2030-03 | 1425.33 | 142.26 | 1283.07 | 50058.20 |
| 60 | 2030-04 | 1425.33 | 138.70 | 1286.63 | 48771.57 |
| 61 | 2030-05 | 1425.33 | 135.14 | 1290.19 | 47481.38 |
| 62 | 2030-06 | 1425.33 | 131.56 | 1293.77 | 46187.61 |
| 63 | 2030-07 | 1425.33 | 127.98 | 1297.35 | 44890.26 |
| 64 | 2030-08 | 1425.33 | 124.38 | 1300.95 | 43589.31 |
| 65 | 2030-09 | 1425.33 | 120.78 | 1304.55 | 42284.75 |
| 66 | 2030-10 | 1425.33 | 117.16 | 1308.17 | 40976.58 |
| 67 | 2030-11 | 1425.33 | 113.54 | 1311.79 | 39664.79 |
| 68 | 2030-12 | 1425.33 | 109.90 | 1315.43 | 38349.36 |
| 69 | 2031-01 | 1425.33 | 106.26 | 1319.07 | 37030.29 |
| 70 | 2031-02 | 1425.33 | 102.60 | 1322.73 | 35707.56 |
| 71 | 2031-03 | 1425.33 | 98.94 | 1326.39 | 34381.17 |
| 72 | 2031-04 | 1425.33 | 95.26 | 1330.07 | 33051.10 |
| 73 | 2031-05 | 1425.33 | 91.58 | 1333.75 | 31717.35 |
| 74 | 2031-06 | 1425.33 | 87.88 | 1337.45 | 30379.90 |
| 75 | 2031-07 | 1425.33 | 84.18 | 1341.15 | 29038.74 |
| 76 | 2031-08 | 1425.33 | 80.46 | 1344.87 | 27693.87 |
| 77 | 2031-09 | 1425.33 | 76.74 | 1348.60 | 26345.28 |
| 78 | 2031-10 | 1425.33 | 73.00 | 1352.33 | 24992.94 |
| 79 | 2031-11 | 1425.33 | 69.25 | 1356.08 | 23636.86 |
| 80 | 2031-12 | 1425.33 | 65.49 | 1359.84 | 22277.02 |
| 81 | 2032-01 | 1425.33 | 61.73 | 1363.61 | 20913.41 |
| 82 | 2032-02 | 1425.33 | 57.95 | 1367.38 | 19546.03 |
| 83 | 2032-03 | 1425.33 | 54.16 | 1371.17 | 18174.86 |
| 84 | 2032-04 | 1425.33 | 50.36 | 1374.97 | 16799.88 |
| 85 | 2032-05 | 1425.33 | 46.55 | 1378.78 | 15421.10 |
| 86 | 2032-06 | 1425.33 | 42.73 | 1382.60 | 14038.50 |
| 87 | 2032-07 | 1425.33 | 38.90 | 1386.43 | 12652.06 |
| 88 | 2032-08 | 1425.33 | 35.06 | 1390.28 | 11261.79 |
| 89 | 2032-09 | 1425.33 | 31.20 | 1394.13 | 9867.66 |
| 90 | 2032-10 | 1425.33 | 27.34 | 1397.99 | 8469.67 |
| 91 | 2032-11 | 1425.33 | 23.47 | 1401.86 | 7067.80 |
| 92 | 2032-12 | 1425.33 | 19.58 | 1405.75 | 5662.05 |
| 93 | 2033-01 | 1425.33 | 15.69 | 1409.64 | 4252.41 |
| 94 | 2033-02 | 1425.33 | 11.78 | 1413.55 | 2838.86 |
| 95 | 2033-03 | 1425.33 | 7.87 | 1417.47 | 1421.39 |
| 96 | 2033-04 | 1425.33 | 3.94 | 1421.39 | 0.00 |
等额本金还款方式：
贷款总额：12万
还款月数：8年
首月还款：1582.5元
每月递减：3.46元
利息总额：1.61万
本息合计：13.61万
节省利息：705.68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 | 1582.50 | 332.50 | 1250.00 | 118750.00 |
| 2 | 2025-06 | 1579.04 | 329.04 | 1250.00 | 117500.00 |
| 3 | 2025-07 | 1575.57 | 325.57 | 1250.00 | 116250.00 |
| 4 | 2025-08 | 1572.11 | 322.11 | 1250.00 | 115000.00 |
| 5 | 2025-09 | 1568.65 | 318.65 | 1250.00 | 113750.00 |
| 6 | 2025-10 | 1565.18 | 315.18 | 1250.00 | 112500.00 |
| 7 | 2025-11 | 1561.72 | 311.72 | 1250.00 | 111250.00 |
| 8 | 2025-12 | 1558.26 | 308.26 | 1250.00 | 110000.00 |
| 9 | 2026-01 | 1554.79 | 304.79 | 1250.00 | 108750.00 |
| 10 | 2026-02 | 1551.33 | 301.33 | 1250.00 | 107500.00 |
| 11 | 2026-03 | 1547.86 | 297.86 | 1250.00 | 106250.00 |
| 12 | 2026-04 | 1544.40 | 294.40 | 1250.00 | 105000.00 |
| 13 | 2026-05 | 1540.94 | 290.94 | 1250.00 | 103750.00 |
| 14 | 2026-06 | 1537.47 | 287.47 | 1250.00 | 102500.00 |
| 15 | 2026-07 | 1534.01 | 284.01 | 1250.00 | 101250.00 |
| 16 | 2026-08 | 1530.55 | 280.55 | 1250.00 | 100000.00 |
| 17 | 2026-09 | 1527.08 | 277.08 | 1250.00 | 98750.00 |
| 18 | 2026-10 | 1523.62 | 273.62 | 1250.00 | 97500.00 |
| 19 | 2026-11 | 1520.16 | 270.16 | 1250.00 | 96250.00 |
| 20 | 2026-12 | 1516.69 | 266.69 | 1250.00 | 95000.00 |
| 21 | 2027-01 | 1513.23 | 263.23 | 1250.00 | 93750.00 |
| 22 | 2027-02 | 1509.77 | 259.77 | 1250.00 | 92500.00 |
| 23 | 2027-03 | 1506.30 | 256.30 | 1250.00 | 91250.00 |
| 24 | 2027-04 | 1502.84 | 252.84 | 1250.00 | 90000.00 |
| 25 | 2027-05 | 1499.38 | 249.38 | 1250.00 | 88750.00 |
| 26 | 2027-06 | 1495.91 | 245.91 | 1250.00 | 87500.00 |
| 27 | 2027-07 | 1492.45 | 242.45 | 1250.00 | 86250.00 |
| 28 | 2027-08 | 1488.98 | 238.98 | 1250.00 | 85000.00 |
| 29 | 2027-09 | 1485.52 | 235.52 | 1250.00 | 83750.00 |
| 30 | 2027-10 | 1482.06 | 232.06 | 1250.00 | 82500.00 |
| 31 | 2027-11 | 1478.59 | 228.59 | 1250.00 | 81250.00 |
| 32 | 2027-12 | 1475.13 | 225.13 | 1250.00 | 80000.00 |
| 33 | 2028-01 | 1471.67 | 221.67 | 1250.00 | 78750.00 |
| 34 | 2028-02 | 1468.20 | 218.20 | 1250.00 | 77500.00 |
| 35 | 2028-03 | 1464.74 | 214.74 | 1250.00 | 76250.00 |
| 36 | 2028-04 | 1461.28 | 211.28 | 1250.00 | 75000.00 |
| 37 | 2028-05 | 1457.81 | 207.81 | 1250.00 | 73750.00 |
| 38 | 2028-06 | 1454.35 | 204.35 | 1250.00 | 72500.00 |
| 39 | 2028-07 | 1450.89 | 200.89 | 1250.00 | 71250.00 |
| 40 | 2028-08 | 1447.42 | 197.42 | 1250.00 | 70000.00 |
| 41 | 2028-09 | 1443.96 | 193.96 | 1250.00 | 68750.00 |
| 42 | 2028-10 | 1440.49 | 190.49 | 1250.00 | 67500.00 |
| 43 | 2028-11 | 1437.03 | 187.03 | 1250.00 | 66250.00 |
| 44 | 2028-12 | 1433.57 | 183.57 | 1250.00 | 65000.00 |
| 45 | 2029-01 | 1430.10 | 180.10 | 1250.00 | 63750.00 |
| 46 | 2029-02 | 1426.64 | 176.64 | 1250.00 | 62500.00 |
| 47 | 2029-03 | 1423.18 | 173.18 | 1250.00 | 61250.00 |
| 48 | 2029-04 | 1419.71 | 169.71 | 1250.00 | 60000.00 |
| 49 | 2029-05 | 1416.25 | 166.25 | 1250.00 | 58750.00 |
| 50 | 2029-06 | 1412.79 | 162.79 | 1250.00 | 57500.00 |
| 51 | 2029-07 | 1409.32 | 159.32 | 1250.00 | 56250.00 |
| 52 | 2029-08 | 1405.86 | 155.86 | 1250.00 | 55000.00 |
| 53 | 2029-09 | 1402.40 | 152.40 | 1250.00 | 53750.00 |
| 54 | 2029-10 | 1398.93 | 148.93 | 1250.00 | 52500.00 |
| 55 | 2029-11 | 1395.47 | 145.47 | 1250.00 | 51250.00 |
| 56 | 2029-12 | 1392.01 | 142.01 | 1250.00 | 50000.00 |
| 57 | 2030-01 | 1388.54 | 138.54 | 1250.00 | 48750.00 |
| 58 | 2030-02 | 1385.08 | 135.08 | 1250.00 | 47500.00 |
| 59 | 2030-03 | 1381.61 | 131.61 | 1250.00 | 46250.00 |
| 60 | 2030-04 | 1378.15 | 128.15 | 1250.00 | 45000.00 |
| 61 | 2030-05 | 1374.69 | 124.69 | 1250.00 | 43750.00 |
| 62 | 2030-06 | 1371.22 | 121.22 | 1250.00 | 42500.00 |
| 63 | 2030-07 | 1367.76 | 117.76 | 1250.00 | 41250.00 |
| 64 | 2030-08 | 1364.30 | 114.30 | 1250.00 | 40000.00 |
| 65 | 2030-09 | 1360.83 | 110.83 | 1250.00 | 38750.00 |
| 66 | 2030-10 | 1357.37 | 107.37 | 1250.00 | 37500.00 |
| 67 | 2030-11 | 1353.91 | 103.91 | 1250.00 | 36250.00 |
| 68 | 2030-12 | 1350.44 | 100.44 | 1250.00 | 35000.00 |
| 69 | 2031-01 | 1346.98 | 96.98 | 1250.00 | 33750.00 |
| 70 | 2031-02 | 1343.52 | 93.52 | 1250.00 | 32500.00 |
| 71 | 2031-03 | 1340.05 | 90.05 | 1250.00 | 31250.00 |
| 72 | 2031-04 | 1336.59 | 86.59 | 1250.00 | 30000.00 |
| 73 | 2031-05 | 1333.13 | 83.13 | 1250.00 | 28750.00 |
| 74 | 2031-06 | 1329.66 | 79.66 | 1250.00 | 27500.00 |
| 75 | 2031-07 | 1326.20 | 76.20 | 1250.00 | 26250.00 |
| 76 | 2031-08 | 1322.73 | 72.73 | 1250.00 | 25000.00 |
| 77 | 2031-09 | 1319.27 | 69.27 | 1250.00 | 23750.00 |
| 78 | 2031-10 | 1315.81 | 65.81 | 1250.00 | 22500.00 |
| 79 | 2031-11 | 1312.34 | 62.34 | 1250.00 | 21250.00 |
| 80 | 2031-12 | 1308.88 | 58.88 | 1250.00 | 20000.00 |
| 81 | 2032-01 | 1305.42 | 55.42 | 1250.00 | 18750.00 |
| 82 | 2032-02 | 1301.95 | 51.95 | 1250.00 | 17500.00 |
| 83 | 2032-03 | 1298.49 | 48.49 | 1250.00 | 16250.00 |
| 84 | 2032-04 | 1295.03 | 45.03 | 1250.00 | 15000.00 |
| 85 | 2032-05 | 1291.56 | 41.56 | 1250.00 | 13750.00 |
| 86 | 2032-06 | 1288.10 | 38.10 | 1250.00 | 12500.00 |
| 87 | 2032-07 | 1284.64 | 34.64 | 1250.00 | 11250.00 |
| 88 | 2032-08 | 1281.17 | 31.17 | 1250.00 | 10000.00 |
| 89 | 2032-09 | 1277.71 | 27.71 | 1250.00 | 8750.00 |
| 90 | 2032-10 | 1274.24 | 24.24 | 1250.00 | 7500.00 |
| 91 | 2032-11 | 1270.78 | 20.78 | 1250.00 | 6250.00 |
| 92 | 2032-12 | 1267.32 | 17.32 | 1250.00 | 5000.00 |
| 93 | 2033-01 | 1263.85 | 13.85 | 1250.00 | 3750.00 |
| 94 | 2033-02 | 1260.39 | 10.39 | 1250.00 | 2500.00 |
| 95 | 2033-03 | 1256.93 | 6.93 | 1250.00 | 1250.00 |
| 96 | 2033-04 | 1253.46 | 3.46 | 1250.00 | 0.00 |