贷款8300元（公积金贷款）房贷，还款5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：8300元
还款月数：5年4个月
每月还款：139.03元
利息总额：597.74元
本息合计：8897.74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 | 139.03 | 17.98 | 121.04 | 8178.96 |
| 2 | 2025-06 | 139.03 | 17.72 | 121.31 | 8057.65 |
| 3 | 2025-07 | 139.03 | 17.46 | 121.57 | 7936.08 |
| 4 | 2025-08 | 139.03 | 17.19 | 121.83 | 7814.25 |
| 5 | 2025-09 | 139.03 | 16.93 | 122.10 | 7692.15 |
| 6 | 2025-10 | 139.03 | 16.67 | 122.36 | 7569.79 |
| 7 | 2025-11 | 139.03 | 16.40 | 122.63 | 7447.17 |
| 8 | 2025-12 | 139.03 | 16.14 | 122.89 | 7324.27 |
| 9 | 2026-01 | 139.03 | 15.87 | 123.16 | 7201.12 |
| 10 | 2026-02 | 139.03 | 15.60 | 123.42 | 7077.69 |
| 11 | 2026-03 | 139.03 | 15.33 | 123.69 | 6954.00 |
| 12 | 2026-04 | 139.03 | 15.07 | 123.96 | 6830.04 |
| 13 | 2026-05 | 139.03 | 14.80 | 124.23 | 6705.81 |
| 14 | 2026-06 | 139.03 | 14.53 | 124.50 | 6581.31 |
| 15 | 2026-07 | 139.03 | 14.26 | 124.77 | 6456.55 |
| 16 | 2026-08 | 139.03 | 13.99 | 125.04 | 6331.51 |
| 17 | 2026-09 | 139.03 | 13.72 | 125.31 | 6206.20 |
| 18 | 2026-10 | 139.03 | 13.45 | 125.58 | 6080.62 |
| 19 | 2026-11 | 139.03 | 13.17 | 125.85 | 5954.77 |
| 20 | 2026-12 | 139.03 | 12.90 | 126.13 | 5828.64 |
| 21 | 2027-01 | 139.03 | 12.63 | 126.40 | 5702.24 |
| 22 | 2027-02 | 139.03 | 12.35 | 126.67 | 5575.57 |
| 23 | 2027-03 | 139.03 | 12.08 | 126.95 | 5448.62 |
| 24 | 2027-04 | 139.03 | 11.81 | 127.22 | 5321.40 |
| 25 | 2027-05 | 139.03 | 11.53 | 127.50 | 5193.90 |
| 26 | 2027-06 | 139.03 | 11.25 | 127.77 | 5066.13 |
| 27 | 2027-07 | 139.03 | 10.98 | 128.05 | 4938.08 |
| 28 | 2027-08 | 139.03 | 10.70 | 128.33 | 4809.75 |
| 29 | 2027-09 | 139.03 | 10.42 | 128.61 | 4681.15 |
| 30 | 2027-10 | 139.03 | 10.14 | 128.88 | 4552.26 |
| 31 | 2027-11 | 139.03 | 9.86 | 129.16 | 4423.10 |
| 32 | 2027-12 | 139.03 | 9.58 | 129.44 | 4293.65 |
| 33 | 2028-01 | 139.03 | 9.30 | 129.72 | 4163.93 |
| 34 | 2028-02 | 139.03 | 9.02 | 130.01 | 4033.92 |
| 35 | 2028-03 | 139.03 | 8.74 | 130.29 | 3903.64 |
| 36 | 2028-04 | 139.03 | 8.46 | 130.57 | 3773.07 |
| 37 | 2028-05 | 139.03 | 8.17 | 130.85 | 3642.22 |
| 38 | 2028-06 | 139.03 | 7.89 | 131.14 | 3511.08 |
| 39 | 2028-07 | 139.03 | 7.61 | 131.42 | 3379.66 |
| 40 | 2028-08 | 139.03 | 7.32 | 131.70 | 3247.96 |
| 41 | 2028-09 | 139.03 | 7.04 | 131.99 | 3115.97 |
| 42 | 2028-10 | 139.03 | 6.75 | 132.28 | 2983.69 |
| 43 | 2028-11 | 139.03 | 6.46 | 132.56 | 2851.13 |
| 44 | 2028-12 | 139.03 | 6.18 | 132.85 | 2718.28 |
| 45 | 2029-01 | 139.03 | 5.89 | 133.14 | 2585.14 |
| 46 | 2029-02 | 139.03 | 5.60 | 133.43 | 2451.71 |
| 47 | 2029-03 | 139.03 | 5.31 | 133.72 | 2318.00 |
| 48 | 2029-04 | 139.03 | 5.02 | 134.00 | 2183.99 |
| 49 | 2029-05 | 139.03 | 4.73 | 134.30 | 2049.70 |
| 50 | 2029-06 | 139.03 | 4.44 | 134.59 | 1915.11 |
| 51 | 2029-07 | 139.03 | 4.15 | 134.88 | 1780.24 |
| 52 | 2029-08 | 139.03 | 3.86 | 135.17 | 1645.07 |
| 53 | 2029-09 | 139.03 | 3.56 | 135.46 | 1509.60 |
| 54 | 2029-10 | 139.03 | 3.27 | 135.76 | 1373.85 |
| 55 | 2029-11 | 139.03 | 2.98 | 136.05 | 1237.80 |
| 56 | 2029-12 | 139.03 | 2.68 | 136.35 | 1101.45 |
| 57 | 2030-01 | 139.03 | 2.39 | 136.64 | 964.81 |
| 58 | 2030-02 | 139.03 | 2.09 | 136.94 | 827.87 |
| 59 | 2030-03 | 139.03 | 1.79 | 137.23 | 690.64 |
| 60 | 2030-04 | 139.03 | 1.50 | 137.53 | 553.11 |
| 61 | 2030-05 | 139.03 | 1.20 | 137.83 | 415.28 |
| 62 | 2030-06 | 139.03 | 0.90 | 138.13 | 277.15 |
| 63 | 2030-07 | 139.03 | 0.60 | 138.43 | 138.73 |
| 64 | 2030-08 | 139.03 | 0.30 | 138.73 | 0.00 |
等额本金还款方式：
贷款总额：8300元
还款月数：5年4个月
首月还款：147.67元
每月递减：0.28元
利息总额：584.46元
本息合计：8884.46元
节省利息：13.28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 | 147.67 | 17.98 | 129.69 | 8170.31 |
| 2 | 2025-06 | 147.39 | 17.70 | 129.69 | 8040.63 |
| 3 | 2025-07 | 147.11 | 17.42 | 129.69 | 7910.94 |
| 4 | 2025-08 | 146.83 | 17.14 | 129.69 | 7781.25 |
| 5 | 2025-09 | 146.55 | 16.86 | 129.69 | 7651.56 |
| 6 | 2025-10 | 146.27 | 16.58 | 129.69 | 7521.88 |
| 7 | 2025-11 | 145.98 | 16.30 | 129.69 | 7392.19 |
| 8 | 2025-12 | 145.70 | 16.02 | 129.69 | 7262.50 |
| 9 | 2026-01 | 145.42 | 15.74 | 129.69 | 7132.81 |
| 10 | 2026-02 | 145.14 | 15.45 | 129.69 | 7003.13 |
| 11 | 2026-03 | 144.86 | 15.17 | 129.69 | 6873.44 |
| 12 | 2026-04 | 144.58 | 14.89 | 129.69 | 6743.75 |
| 13 | 2026-05 | 144.30 | 14.61 | 129.69 | 6614.06 |
| 14 | 2026-06 | 144.02 | 14.33 | 129.69 | 6484.38 |
| 15 | 2026-07 | 143.74 | 14.05 | 129.69 | 6354.69 |
| 16 | 2026-08 | 143.46 | 13.77 | 129.69 | 6225.00 |
| 17 | 2026-09 | 143.18 | 13.49 | 129.69 | 6095.31 |
| 18 | 2026-10 | 142.89 | 13.21 | 129.69 | 5965.63 |
| 19 | 2026-11 | 142.61 | 12.93 | 129.69 | 5835.94 |
| 20 | 2026-12 | 142.33 | 12.64 | 129.69 | 5706.25 |
| 21 | 2027-01 | 142.05 | 12.36 | 129.69 | 5576.56 |
| 22 | 2027-02 | 141.77 | 12.08 | 129.69 | 5446.88 |
| 23 | 2027-03 | 141.49 | 11.80 | 129.69 | 5317.19 |
| 24 | 2027-04 | 141.21 | 11.52 | 129.69 | 5187.50 |
| 25 | 2027-05 | 140.93 | 11.24 | 129.69 | 5057.81 |
| 26 | 2027-06 | 140.65 | 10.96 | 129.69 | 4928.13 |
| 27 | 2027-07 | 140.37 | 10.68 | 129.69 | 4798.44 |
| 28 | 2027-08 | 140.08 | 10.40 | 129.69 | 4668.75 |
| 29 | 2027-09 | 139.80 | 10.12 | 129.69 | 4539.06 |
| 30 | 2027-10 | 139.52 | 9.83 | 129.69 | 4409.38 |
| 31 | 2027-11 | 139.24 | 9.55 | 129.69 | 4279.69 |
| 32 | 2027-12 | 138.96 | 9.27 | 129.69 | 4150.00 |
| 33 | 2028-01 | 138.68 | 8.99 | 129.69 | 4020.31 |
| 34 | 2028-02 | 138.40 | 8.71 | 129.69 | 3890.63 |
| 35 | 2028-03 | 138.12 | 8.43 | 129.69 | 3760.94 |
| 36 | 2028-04 | 137.84 | 8.15 | 129.69 | 3631.25 |
| 37 | 2028-05 | 137.56 | 7.87 | 129.69 | 3501.56 |
| 38 | 2028-06 | 137.27 | 7.59 | 129.69 | 3371.88 |
| 39 | 2028-07 | 136.99 | 7.31 | 129.69 | 3242.19 |
| 40 | 2028-08 | 136.71 | 7.02 | 129.69 | 3112.50 |
| 41 | 2028-09 | 136.43 | 6.74 | 129.69 | 2982.81 |
| 42 | 2028-10 | 136.15 | 6.46 | 129.69 | 2853.13 |
| 43 | 2028-11 | 135.87 | 6.18 | 129.69 | 2723.44 |
| 44 | 2028-12 | 135.59 | 5.90 | 129.69 | 2593.75 |
| 45 | 2029-01 | 135.31 | 5.62 | 129.69 | 2464.06 |
| 46 | 2029-02 | 135.03 | 5.34 | 129.69 | 2334.38 |
| 47 | 2029-03 | 134.75 | 5.06 | 129.69 | 2204.69 |
| 48 | 2029-04 | 134.46 | 4.78 | 129.69 | 2075.00 |
| 49 | 2029-05 | 134.18 | 4.50 | 129.69 | 1945.31 |
| 50 | 2029-06 | 133.90 | 4.21 | 129.69 | 1815.63 |
| 51 | 2029-07 | 133.62 | 3.93 | 129.69 | 1685.94 |
| 52 | 2029-08 | 133.34 | 3.65 | 129.69 | 1556.25 |
| 53 | 2029-09 | 133.06 | 3.37 | 129.69 | 1426.56 |
| 54 | 2029-10 | 132.78 | 3.09 | 129.69 | 1296.88 |
| 55 | 2029-11 | 132.50 | 2.81 | 129.69 | 1167.19 |
| 56 | 2029-12 | 132.22 | 2.53 | 129.69 | 1037.50 |
| 57 | 2030-01 | 131.94 | 2.25 | 129.69 | 907.81 |
| 58 | 2030-02 | 131.65 | 1.97 | 129.69 | 778.13 |
| 59 | 2030-03 | 131.37 | 1.69 | 129.69 | 648.44 |
| 60 | 2030-04 | 131.09 | 1.40 | 129.69 | 518.75 |
| 61 | 2030-05 | 130.81 | 1.12 | 129.69 | 389.06 |
| 62 | 2030-06 | 130.53 | 0.84 | 129.69 | 259.38 |
| 63 | 2030-07 | 130.25 | 0.56 | 129.69 | 129.69 |
| 64 | 2030-08 | 129.97 | 0.28 | 129.69 | 0.00 |