贷款3.12万（公积金贷款）房贷，还款7年4个月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：3.12万
还款月数：7年4个月
每月还款：389.7元
利息总额：3101.73元
本息合计：3.43万
| 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 | 389.70 | 67.58 | 322.12 | 30869.66 |
| 2 | 2025-06 | 389.70 | 66.88 | 322.81 | 30546.85 |
| 3 | 2025-07 | 389.70 | 66.18 | 323.51 | 30223.33 |
| 4 | 2025-08 | 389.70 | 65.48 | 324.22 | 29899.12 |
| 5 | 2025-09 | 389.70 | 64.78 | 324.92 | 29574.20 |
| 6 | 2025-10 | 389.70 | 64.08 | 325.62 | 29248.58 |
| 7 | 2025-11 | 389.70 | 63.37 | 326.33 | 28922.25 |
| 8 | 2025-12 | 389.70 | 62.66 | 327.03 | 28595.22 |
| 9 | 2026-01 | 389.70 | 61.96 | 327.74 | 28267.48 |
| 10 | 2026-02 | 389.70 | 61.25 | 328.45 | 27939.02 |
| 11 | 2026-03 | 389.70 | 60.53 | 329.16 | 27609.86 |
| 12 | 2026-04 | 389.70 | 59.82 | 329.88 | 27279.98 |
| 13 | 2026-05 | 389.70 | 59.11 | 330.59 | 26949.39 |
| 14 | 2026-06 | 389.70 | 58.39 | 331.31 | 26618.08 |
| 15 | 2026-07 | 389.70 | 57.67 | 332.03 | 26286.05 |
| 16 | 2026-08 | 389.70 | 56.95 | 332.75 | 25953.31 |
| 17 | 2026-09 | 389.70 | 56.23 | 333.47 | 25619.84 |
| 18 | 2026-10 | 389.70 | 55.51 | 334.19 | 25285.65 |
| 19 | 2026-11 | 389.70 | 54.79 | 334.91 | 24950.74 |
| 20 | 2026-12 | 389.70 | 54.06 | 335.64 | 24615.10 |
| 21 | 2027-01 | 389.70 | 53.33 | 336.37 | 24278.73 |
| 22 | 2027-02 | 389.70 | 52.60 | 337.10 | 23941.64 |
| 23 | 2027-03 | 389.70 | 51.87 | 337.83 | 23603.81 |
| 24 | 2027-04 | 389.70 | 51.14 | 338.56 | 23265.26 |
| 25 | 2027-05 | 389.70 | 50.41 | 339.29 | 22925.96 |
| 26 | 2027-06 | 389.70 | 49.67 | 340.03 | 22585.94 |
| 27 | 2027-07 | 389.70 | 48.94 | 340.76 | 22245.18 |
| 28 | 2027-08 | 389.70 | 48.20 | 341.50 | 21903.67 |
| 29 | 2027-09 | 389.70 | 47.46 | 342.24 | 21561.43 |
| 30 | 2027-10 | 389.70 | 46.72 | 342.98 | 21218.45 |
| 31 | 2027-11 | 389.70 | 45.97 | 343.73 | 20874.73 |
| 32 | 2027-12 | 389.70 | 45.23 | 344.47 | 20530.25 |
| 33 | 2028-01 | 389.70 | 44.48 | 345.22 | 20185.04 |
| 34 | 2028-02 | 389.70 | 43.73 | 345.96 | 19839.07 |
| 35 | 2028-03 | 389.70 | 42.98 | 346.71 | 19492.36 |
| 36 | 2028-04 | 389.70 | 42.23 | 347.47 | 19144.89 |
| 37 | 2028-05 | 389.70 | 41.48 | 348.22 | 18796.67 |
| 38 | 2028-06 | 389.70 | 40.73 | 348.97 | 18447.70 |
| 39 | 2028-07 | 389.70 | 39.97 | 349.73 | 18097.97 |
| 40 | 2028-08 | 389.70 | 39.21 | 350.49 | 17747.49 |
| 41 | 2028-09 | 389.70 | 38.45 | 351.25 | 17396.24 |
| 42 | 2028-10 | 389.70 | 37.69 | 352.01 | 17044.23 |
| 43 | 2028-11 | 389.70 | 36.93 | 352.77 | 16691.46 |
| 44 | 2028-12 | 389.70 | 36.16 | 353.53 | 16337.93 |
| 45 | 2029-01 | 389.70 | 35.40 | 354.30 | 15983.63 |
| 46 | 2029-02 | 389.70 | 34.63 | 355.07 | 15628.56 |
| 47 | 2029-03 | 389.70 | 33.86 | 355.84 | 15272.72 |
| 48 | 2029-04 | 389.70 | 33.09 | 356.61 | 14916.12 |
| 49 | 2029-05 | 389.70 | 32.32 | 357.38 | 14558.74 |
| 50 | 2029-06 | 389.70 | 31.54 | 358.16 | 14200.58 |
| 51 | 2029-07 | 389.70 | 30.77 | 358.93 | 13841.65 |
| 52 | 2029-08 | 389.70 | 29.99 | 359.71 | 13481.94 |
| 53 | 2029-09 | 389.70 | 29.21 | 360.49 | 13121.45 |
| 54 | 2029-10 | 389.70 | 28.43 | 361.27 | 12760.18 |
| 55 | 2029-11 | 389.70 | 27.65 | 362.05 | 12398.13 |
| 56 | 2029-12 | 389.70 | 26.86 | 362.84 | 12035.29 |
| 57 | 2030-01 | 389.70 | 26.08 | 363.62 | 11671.67 |
| 58 | 2030-02 | 389.70 | 25.29 | 364.41 | 11307.26 |
| 59 | 2030-03 | 389.70 | 24.50 | 365.20 | 10942.06 |
| 60 | 2030-04 | 389.70 | 23.71 | 365.99 | 10576.07 |
| 61 | 2030-05 | 389.70 | 22.91 | 366.78 | 10209.29 |
| 62 | 2030-06 | 389.70 | 22.12 | 367.58 | 9841.71 |
| 63 | 2030-07 | 389.70 | 21.32 | 368.38 | 9473.33 |
| 64 | 2030-08 | 389.70 | 20.53 | 369.17 | 9104.16 |
| 65 | 2030-09 | 389.70 | 19.73 | 369.97 | 8734.19 |
| 66 | 2030-10 | 389.70 | 18.92 | 370.77 | 8363.41 |
| 67 | 2030-11 | 389.70 | 18.12 | 371.58 | 7991.83 |
| 68 | 2030-12 | 389.70 | 17.32 | 372.38 | 7619.45 |
| 69 | 2031-01 | 389.70 | 16.51 | 373.19 | 7246.26 |
| 70 | 2031-02 | 389.70 | 15.70 | 374.00 | 6872.26 |
| 71 | 2031-03 | 389.70 | 14.89 | 374.81 | 6497.45 |
| 72 | 2031-04 | 389.70 | 14.08 | 375.62 | 6121.83 |
| 73 | 2031-05 | 389.70 | 13.26 | 376.44 | 5745.40 |
| 74 | 2031-06 | 389.70 | 12.45 | 377.25 | 5368.14 |
| 75 | 2031-07 | 389.70 | 11.63 | 378.07 | 4990.08 |
| 76 | 2031-08 | 389.70 | 10.81 | 378.89 | 4611.19 |
| 77 | 2031-09 | 389.70 | 9.99 | 379.71 | 4231.48 |
| 78 | 2031-10 | 389.70 | 9.17 | 380.53 | 3850.95 |
| 79 | 2031-11 | 389.70 | 8.34 | 381.36 | 3469.60 |
| 80 | 2031-12 | 389.70 | 7.52 | 382.18 | 3087.41 |
| 81 | 2032-01 | 389.70 | 6.69 | 383.01 | 2704.40 |
| 82 | 2032-02 | 389.70 | 5.86 | 383.84 | 2320.56 |
| 83 | 2032-03 | 389.70 | 5.03 | 384.67 | 1935.89 |
| 84 | 2032-04 | 389.70 | 4.19 | 385.50 | 1550.39 |
| 85 | 2032-05 | 389.70 | 3.36 | 386.34 | 1164.05 |
| 86 | 2032-06 | 389.70 | 2.52 | 387.18 | 776.87 |
| 87 | 2032-07 | 389.70 | 1.68 | 388.02 | 388.86 |
| 88 | 2032-08 | 389.70 | 0.84 | 388.86 | 0.00 |
等额本金还款方式：
贷款总额：3.12万
还款月数：7年4个月
首月还款：422.03元
每月递减：0.77元
利息总额：3007.41元
本息合计：3.42万
节省利息：94.32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 | 422.03 | 67.58 | 354.45 | 30837.33 |
| 2 | 2025-06 | 421.27 | 66.81 | 354.45 | 30482.88 |
| 3 | 2025-07 | 420.50 | 66.05 | 354.45 | 30128.42 |
| 4 | 2025-08 | 419.73 | 65.28 | 354.45 | 29773.97 |
| 5 | 2025-09 | 418.96 | 64.51 | 354.45 | 29419.52 |
| 6 | 2025-10 | 418.19 | 63.74 | 354.45 | 29065.07 |
| 7 | 2025-11 | 417.43 | 62.97 | 354.45 | 28710.62 |
| 8 | 2025-12 | 416.66 | 62.21 | 354.45 | 28356.16 |
| 9 | 2026-01 | 415.89 | 61.44 | 354.45 | 28001.71 |
| 10 | 2026-02 | 415.12 | 60.67 | 354.45 | 27647.26 |
| 11 | 2026-03 | 414.35 | 59.90 | 354.45 | 27292.81 |
| 12 | 2026-04 | 413.59 | 59.13 | 354.45 | 26938.36 |
| 13 | 2026-05 | 412.82 | 58.37 | 354.45 | 26583.90 |
| 14 | 2026-06 | 412.05 | 57.60 | 354.45 | 26229.45 |
| 15 | 2026-07 | 411.28 | 56.83 | 354.45 | 25875.00 |
| 16 | 2026-08 | 410.51 | 56.06 | 354.45 | 25520.55 |
| 17 | 2026-09 | 409.75 | 55.29 | 354.45 | 25166.10 |
| 18 | 2026-10 | 408.98 | 54.53 | 354.45 | 24811.64 |
| 19 | 2026-11 | 408.21 | 53.76 | 354.45 | 24457.19 |
| 20 | 2026-12 | 407.44 | 52.99 | 354.45 | 24102.74 |
| 21 | 2027-01 | 406.67 | 52.22 | 354.45 | 23748.29 |
| 22 | 2027-02 | 405.91 | 51.45 | 354.45 | 23393.83 |
| 23 | 2027-03 | 405.14 | 50.69 | 354.45 | 23039.38 |
| 24 | 2027-04 | 404.37 | 49.92 | 354.45 | 22684.93 |
| 25 | 2027-05 | 403.60 | 49.15 | 354.45 | 22330.48 |
| 26 | 2027-06 | 402.83 | 48.38 | 354.45 | 21976.03 |
| 27 | 2027-07 | 402.07 | 47.61 | 354.45 | 21621.57 |
| 28 | 2027-08 | 401.30 | 46.85 | 354.45 | 21267.12 |
| 29 | 2027-09 | 400.53 | 46.08 | 354.45 | 20912.67 |
| 30 | 2027-10 | 399.76 | 45.31 | 354.45 | 20558.22 |
| 31 | 2027-11 | 398.99 | 44.54 | 354.45 | 20203.77 |
| 32 | 2027-12 | 398.23 | 43.77 | 354.45 | 19849.31 |
| 33 | 2028-01 | 397.46 | 43.01 | 354.45 | 19494.86 |
| 34 | 2028-02 | 396.69 | 42.24 | 354.45 | 19140.41 |
| 35 | 2028-03 | 395.92 | 41.47 | 354.45 | 18785.96 |
| 36 | 2028-04 | 395.15 | 40.70 | 354.45 | 18431.51 |
| 37 | 2028-05 | 394.39 | 39.93 | 354.45 | 18077.05 |
| 38 | 2028-06 | 393.62 | 39.17 | 354.45 | 17722.60 |
| 39 | 2028-07 | 392.85 | 38.40 | 354.45 | 17368.15 |
| 40 | 2028-08 | 392.08 | 37.63 | 354.45 | 17013.70 |
| 41 | 2028-09 | 391.32 | 36.86 | 354.45 | 16659.25 |
| 42 | 2028-10 | 390.55 | 36.10 | 354.45 | 16304.79 |
| 43 | 2028-11 | 389.78 | 35.33 | 354.45 | 15950.34 |
| 44 | 2028-12 | 389.01 | 34.56 | 354.45 | 15595.89 |
| 45 | 2029-01 | 388.24 | 33.79 | 354.45 | 15241.44 |
| 46 | 2029-02 | 387.48 | 33.02 | 354.45 | 14886.99 |
| 47 | 2029-03 | 386.71 | 32.26 | 354.45 | 14532.53 |
| 48 | 2029-04 | 385.94 | 31.49 | 354.45 | 14178.08 |
| 49 | 2029-05 | 385.17 | 30.72 | 354.45 | 13823.63 |
| 50 | 2029-06 | 384.40 | 29.95 | 354.45 | 13469.18 |
| 51 | 2029-07 | 383.64 | 29.18 | 354.45 | 13114.73 |
| 52 | 2029-08 | 382.87 | 28.42 | 354.45 | 12760.27 |
| 53 | 2029-09 | 382.10 | 27.65 | 354.45 | 12405.82 |
| 54 | 2029-10 | 381.33 | 26.88 | 354.45 | 12051.37 |
| 55 | 2029-11 | 380.56 | 26.11 | 354.45 | 11696.92 |
| 56 | 2029-12 | 379.80 | 25.34 | 354.45 | 11342.47 |
| 57 | 2030-01 | 379.03 | 24.58 | 354.45 | 10988.01 |
| 58 | 2030-02 | 378.26 | 23.81 | 354.45 | 10633.56 |
| 59 | 2030-03 | 377.49 | 23.04 | 354.45 | 10279.11 |
| 60 | 2030-04 | 376.72 | 22.27 | 354.45 | 9924.66 |
| 61 | 2030-05 | 375.96 | 21.50 | 354.45 | 9570.21 |
| 62 | 2030-06 | 375.19 | 20.74 | 354.45 | 9215.75 |
| 63 | 2030-07 | 374.42 | 19.97 | 354.45 | 8861.30 |
| 64 | 2030-08 | 373.65 | 19.20 | 354.45 | 8506.85 |
| 65 | 2030-09 | 372.88 | 18.43 | 354.45 | 8152.40 |
| 66 | 2030-10 | 372.12 | 17.66 | 354.45 | 7797.94 |
| 67 | 2030-11 | 371.35 | 16.90 | 354.45 | 7443.49 |
| 68 | 2030-12 | 370.58 | 16.13 | 354.45 | 7089.04 |
| 69 | 2031-01 | 369.81 | 15.36 | 354.45 | 6734.59 |
| 70 | 2031-02 | 369.04 | 14.59 | 354.45 | 6380.14 |
| 71 | 2031-03 | 368.28 | 13.82 | 354.45 | 6025.68 |
| 72 | 2031-04 | 367.51 | 13.06 | 354.45 | 5671.23 |
| 73 | 2031-05 | 366.74 | 12.29 | 354.45 | 5316.78 |
| 74 | 2031-06 | 365.97 | 11.52 | 354.45 | 4962.33 |
| 75 | 2031-07 | 365.20 | 10.75 | 354.45 | 4607.88 |
| 76 | 2031-08 | 364.44 | 9.98 | 354.45 | 4253.42 |
| 77 | 2031-09 | 363.67 | 9.22 | 354.45 | 3898.97 |
| 78 | 2031-10 | 362.90 | 8.45 | 354.45 | 3544.52 |
| 79 | 2031-11 | 362.13 | 7.68 | 354.45 | 3190.07 |
| 80 | 2031-12 | 361.36 | 6.91 | 354.45 | 2835.62 |
| 81 | 2032-01 | 360.60 | 6.14 | 354.45 | 2481.16 |
| 82 | 2032-02 | 359.83 | 5.38 | 354.45 | 2126.71 |
| 83 | 2032-03 | 359.06 | 4.61 | 354.45 | 1772.26 |
| 84 | 2032-04 | 358.29 | 3.84 | 354.45 | 1417.81 |
| 85 | 2032-05 | 357.52 | 3.07 | 354.45 | 1063.36 |
| 86 | 2032-06 | 356.76 | 2.30 | 354.45 | 708.90 |
| 87 | 2032-07 | 355.99 | 1.54 | 354.45 | 354.45 |
| 88 | 2032-08 | 355.22 | 0.77 | 354.45 | 0.00 |