贷款3.04万（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：3.04万
还款月数：7年4个月
每月还款：379.9元
利息总额：3023.7元
本息合计：3.34万
| 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 | 379.90 | 65.88 | 314.01 | 30093.10 |
| 2 | 2025-06 | 379.90 | 65.20 | 314.69 | 29778.40 |
| 3 | 2025-07 | 379.90 | 64.52 | 315.38 | 29463.03 |
| 4 | 2025-08 | 379.90 | 63.84 | 316.06 | 29146.97 |
| 5 | 2025-09 | 379.90 | 63.15 | 316.74 | 28830.22 |
| 6 | 2025-10 | 379.90 | 62.47 | 317.43 | 28512.79 |
| 7 | 2025-11 | 379.90 | 61.78 | 318.12 | 28194.68 |
| 8 | 2025-12 | 379.90 | 61.09 | 318.81 | 27875.87 |
| 9 | 2026-01 | 379.90 | 60.40 | 319.50 | 27556.37 |
| 10 | 2026-02 | 379.90 | 59.71 | 320.19 | 27236.18 |
| 11 | 2026-03 | 379.90 | 59.01 | 320.88 | 26915.30 |
| 12 | 2026-04 | 379.90 | 58.32 | 321.58 | 26593.72 |
| 13 | 2026-05 | 379.90 | 57.62 | 322.28 | 26271.44 |
| 14 | 2026-06 | 379.90 | 56.92 | 322.97 | 25948.47 |
| 15 | 2026-07 | 379.90 | 56.22 | 323.67 | 25624.79 |
| 16 | 2026-08 | 379.90 | 55.52 | 324.38 | 25300.42 |
| 17 | 2026-09 | 379.90 | 54.82 | 325.08 | 24975.34 |
| 18 | 2026-10 | 379.90 | 54.11 | 325.78 | 24649.56 |
| 19 | 2026-11 | 379.90 | 53.41 | 326.49 | 24323.07 |
| 20 | 2026-12 | 379.90 | 52.70 | 327.20 | 23995.87 |
| 21 | 2027-01 | 379.90 | 51.99 | 327.90 | 23667.97 |
| 22 | 2027-02 | 379.90 | 51.28 | 328.61 | 23339.35 |
| 23 | 2027-03 | 379.90 | 50.57 | 329.33 | 23010.03 |
| 24 | 2027-04 | 379.90 | 49.86 | 330.04 | 22679.99 |
| 25 | 2027-05 | 379.90 | 49.14 | 330.76 | 22349.23 |
| 26 | 2027-06 | 379.90 | 48.42 | 331.47 | 22017.76 |
| 27 | 2027-07 | 379.90 | 47.71 | 332.19 | 21685.57 |
| 28 | 2027-08 | 379.90 | 46.99 | 332.91 | 21352.66 |
| 29 | 2027-09 | 379.90 | 46.26 | 333.63 | 21019.03 |
| 30 | 2027-10 | 379.90 | 45.54 | 334.35 | 20684.67 |
| 31 | 2027-11 | 379.90 | 44.82 | 335.08 | 20349.59 |
| 32 | 2027-12 | 379.90 | 44.09 | 335.80 | 20013.79 |
| 33 | 2028-01 | 379.90 | 43.36 | 336.53 | 19677.26 |
| 34 | 2028-02 | 379.90 | 42.63 | 337.26 | 19340.00 |
| 35 | 2028-03 | 379.90 | 41.90 | 337.99 | 19002.00 |
| 36 | 2028-04 | 379.90 | 41.17 | 338.72 | 18663.28 |
| 37 | 2028-05 | 379.90 | 40.44 | 339.46 | 18323.82 |
| 38 | 2028-06 | 379.90 | 39.70 | 340.19 | 17983.63 |
| 39 | 2028-07 | 379.90 | 38.96 | 340.93 | 17642.69 |
| 40 | 2028-08 | 379.90 | 38.23 | 341.67 | 17301.03 |
| 41 | 2028-09 | 379.90 | 37.49 | 342.41 | 16958.62 |
| 42 | 2028-10 | 379.90 | 36.74 | 343.15 | 16615.46 |
| 43 | 2028-11 | 379.90 | 36.00 | 343.90 | 16271.57 |
| 44 | 2028-12 | 379.90 | 35.26 | 344.64 | 15926.93 |
| 45 | 2029-01 | 379.90 | 34.51 | 345.39 | 15581.54 |
| 46 | 2029-02 | 379.90 | 33.76 | 346.14 | 15235.40 |
| 47 | 2029-03 | 379.90 | 33.01 | 346.89 | 14888.52 |
| 48 | 2029-04 | 379.90 | 32.26 | 347.64 | 14540.88 |
| 49 | 2029-05 | 379.90 | 31.51 | 348.39 | 14192.49 |
| 50 | 2029-06 | 379.90 | 30.75 | 349.15 | 13843.35 |
| 51 | 2029-07 | 379.90 | 29.99 | 349.90 | 13493.44 |
| 52 | 2029-08 | 379.90 | 29.24 | 350.66 | 13142.78 |
| 53 | 2029-09 | 379.90 | 28.48 | 351.42 | 12791.37 |
| 54 | 2029-10 | 379.90 | 27.71 | 352.18 | 12439.18 |
| 55 | 2029-11 | 379.90 | 26.95 | 352.94 | 12086.24 |
| 56 | 2029-12 | 379.90 | 26.19 | 353.71 | 11732.53 |
| 57 | 2030-01 | 379.90 | 25.42 | 354.48 | 11378.06 |
| 58 | 2030-02 | 379.90 | 24.65 | 355.24 | 11022.81 |
| 59 | 2030-03 | 379.90 | 23.88 | 356.01 | 10666.80 |
| 60 | 2030-04 | 379.90 | 23.11 | 356.78 | 10310.02 |
| 61 | 2030-05 | 379.90 | 22.34 | 357.56 | 9952.46 |
| 62 | 2030-06 | 379.90 | 21.56 | 358.33 | 9594.13 |
| 63 | 2030-07 | 379.90 | 20.79 | 359.11 | 9235.02 |
| 64 | 2030-08 | 379.90 | 20.01 | 359.89 | 8875.13 |
| 65 | 2030-09 | 379.90 | 19.23 | 360.67 | 8514.47 |
| 66 | 2030-10 | 379.90 | 18.45 | 361.45 | 8153.02 |
| 67 | 2030-11 | 379.90 | 17.66 | 362.23 | 7790.79 |
| 68 | 2030-12 | 379.90 | 16.88 | 363.02 | 7427.77 |
| 69 | 2031-01 | 379.90 | 16.09 | 363.80 | 7063.97 |
| 70 | 2031-02 | 379.90 | 15.31 | 364.59 | 6699.38 |
| 71 | 2031-03 | 379.90 | 14.52 | 365.38 | 6334.00 |
| 72 | 2031-04 | 379.90 | 13.72 | 366.17 | 5967.83 |
| 73 | 2031-05 | 379.90 | 12.93 | 366.97 | 5600.86 |
| 74 | 2031-06 | 379.90 | 12.14 | 367.76 | 5233.10 |
| 75 | 2031-07 | 379.90 | 11.34 | 368.56 | 4864.54 |
| 76 | 2031-08 | 379.90 | 10.54 | 369.36 | 4495.19 |
| 77 | 2031-09 | 379.90 | 9.74 | 370.16 | 4125.03 |
| 78 | 2031-10 | 379.90 | 8.94 | 370.96 | 3754.07 |
| 79 | 2031-11 | 379.90 | 8.13 | 371.76 | 3382.31 |
| 80 | 2031-12 | 379.90 | 7.33 | 372.57 | 3009.75 |
| 81 | 2032-01 | 379.90 | 6.52 | 373.37 | 2636.37 |
| 82 | 2032-02 | 379.90 | 5.71 | 374.18 | 2262.19 |
| 83 | 2032-03 | 379.90 | 4.90 | 374.99 | 1887.19 |
| 84 | 2032-04 | 379.90 | 4.09 | 375.81 | 1511.39 |
| 85 | 2032-05 | 379.90 | 3.27 | 376.62 | 1134.77 |
| 86 | 2032-06 | 379.90 | 2.46 | 377.44 | 757.33 |
| 87 | 2032-07 | 379.90 | 1.64 | 378.25 | 379.07 |
| 88 | 2032-08 | 379.90 | 0.82 | 379.07 | 0.00 |
等额本金还款方式：
贷款总额：3.04万
还款月数：7年4个月
首月还款：411.42元
每月递减：0.75元
利息总额：2931.75元
本息合计：3.33万
节省利息：91.95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 | 411.42 | 65.88 | 345.54 | 30061.57 |
| 2 | 2025-06 | 410.67 | 65.13 | 345.54 | 29716.04 |
| 3 | 2025-07 | 409.92 | 64.38 | 345.54 | 29370.50 |
| 4 | 2025-08 | 409.17 | 63.64 | 345.54 | 29024.97 |
| 5 | 2025-09 | 408.42 | 62.89 | 345.54 | 28679.43 |
| 6 | 2025-10 | 407.67 | 62.14 | 345.54 | 28333.90 |
| 7 | 2025-11 | 406.93 | 61.39 | 345.54 | 27988.36 |
| 8 | 2025-12 | 406.18 | 60.64 | 345.54 | 27642.83 |
| 9 | 2026-01 | 405.43 | 59.89 | 345.54 | 27297.29 |
| 10 | 2026-02 | 404.68 | 59.14 | 345.54 | 26951.76 |
| 11 | 2026-03 | 403.93 | 58.40 | 345.54 | 26606.22 |
| 12 | 2026-04 | 403.18 | 57.65 | 345.54 | 26260.69 |
| 13 | 2026-05 | 402.43 | 56.90 | 345.54 | 25915.15 |
| 14 | 2026-06 | 401.68 | 56.15 | 345.54 | 25569.62 |
| 15 | 2026-07 | 400.94 | 55.40 | 345.54 | 25224.08 |
| 16 | 2026-08 | 400.19 | 54.65 | 345.54 | 24878.54 |
| 17 | 2026-09 | 399.44 | 53.90 | 345.54 | 24533.01 |
| 18 | 2026-10 | 398.69 | 53.15 | 345.54 | 24187.47 |
| 19 | 2026-11 | 397.94 | 52.41 | 345.54 | 23841.94 |
| 20 | 2026-12 | 397.19 | 51.66 | 345.54 | 23496.40 |
| 21 | 2027-01 | 396.44 | 50.91 | 345.54 | 23150.87 |
| 22 | 2027-02 | 395.70 | 50.16 | 345.54 | 22805.33 |
| 23 | 2027-03 | 394.95 | 49.41 | 345.54 | 22459.80 |
| 24 | 2027-04 | 394.20 | 48.66 | 345.54 | 22114.26 |
| 25 | 2027-05 | 393.45 | 47.91 | 345.54 | 21768.73 |
| 26 | 2027-06 | 392.70 | 47.17 | 345.54 | 21423.19 |
| 27 | 2027-07 | 391.95 | 46.42 | 345.54 | 21077.66 |
| 28 | 2027-08 | 391.20 | 45.67 | 345.54 | 20732.12 |
| 29 | 2027-09 | 390.45 | 44.92 | 345.54 | 20386.59 |
| 30 | 2027-10 | 389.71 | 44.17 | 345.54 | 20041.05 |
| 31 | 2027-11 | 388.96 | 43.42 | 345.54 | 19695.51 |
| 32 | 2027-12 | 388.21 | 42.67 | 345.54 | 19349.98 |
| 33 | 2028-01 | 387.46 | 41.92 | 345.54 | 19004.44 |
| 34 | 2028-02 | 386.71 | 41.18 | 345.54 | 18658.91 |
| 35 | 2028-03 | 385.96 | 40.43 | 345.54 | 18313.37 |
| 36 | 2028-04 | 385.21 | 39.68 | 345.54 | 17967.84 |
| 37 | 2028-05 | 384.47 | 38.93 | 345.54 | 17622.30 |
| 38 | 2028-06 | 383.72 | 38.18 | 345.54 | 17276.77 |
| 39 | 2028-07 | 382.97 | 37.43 | 345.54 | 16931.23 |
| 40 | 2028-08 | 382.22 | 36.68 | 345.54 | 16585.70 |
| 41 | 2028-09 | 381.47 | 35.94 | 345.54 | 16240.16 |
| 42 | 2028-10 | 380.72 | 35.19 | 345.54 | 15894.63 |
| 43 | 2028-11 | 379.97 | 34.44 | 345.54 | 15549.09 |
| 44 | 2028-12 | 379.23 | 33.69 | 345.54 | 15203.56 |
| 45 | 2029-01 | 378.48 | 32.94 | 345.54 | 14858.02 |
| 46 | 2029-02 | 377.73 | 32.19 | 345.54 | 14512.48 |
| 47 | 2029-03 | 376.98 | 31.44 | 345.54 | 14166.95 |
| 48 | 2029-04 | 376.23 | 30.70 | 345.54 | 13821.41 |
| 49 | 2029-05 | 375.48 | 29.95 | 345.54 | 13475.88 |
| 50 | 2029-06 | 374.73 | 29.20 | 345.54 | 13130.34 |
| 51 | 2029-07 | 373.98 | 28.45 | 345.54 | 12784.81 |
| 52 | 2029-08 | 373.24 | 27.70 | 345.54 | 12439.27 |
| 53 | 2029-09 | 372.49 | 26.95 | 345.54 | 12093.74 |
| 54 | 2029-10 | 371.74 | 26.20 | 345.54 | 11748.20 |
| 55 | 2029-11 | 370.99 | 25.45 | 345.54 | 11402.67 |
| 56 | 2029-12 | 370.24 | 24.71 | 345.54 | 11057.13 |
| 57 | 2030-01 | 369.49 | 23.96 | 345.54 | 10711.60 |
| 58 | 2030-02 | 368.74 | 23.21 | 345.54 | 10366.06 |
| 59 | 2030-03 | 368.00 | 22.46 | 345.54 | 10020.52 |
| 60 | 2030-04 | 367.25 | 21.71 | 345.54 | 9674.99 |
| 61 | 2030-05 | 366.50 | 20.96 | 345.54 | 9329.45 |
| 62 | 2030-06 | 365.75 | 20.21 | 345.54 | 8983.92 |
| 63 | 2030-07 | 365.00 | 19.47 | 345.54 | 8638.38 |
| 64 | 2030-08 | 364.25 | 18.72 | 345.54 | 8292.85 |
| 65 | 2030-09 | 363.50 | 17.97 | 345.54 | 7947.31 |
| 66 | 2030-10 | 362.75 | 17.22 | 345.54 | 7601.78 |
| 67 | 2030-11 | 362.01 | 16.47 | 345.54 | 7256.24 |
| 68 | 2030-12 | 361.26 | 15.72 | 345.54 | 6910.71 |
| 69 | 2031-01 | 360.51 | 14.97 | 345.54 | 6565.17 |
| 70 | 2031-02 | 359.76 | 14.22 | 345.54 | 6219.64 |
| 71 | 2031-03 | 359.01 | 13.48 | 345.54 | 5874.10 |
| 72 | 2031-04 | 358.26 | 12.73 | 345.54 | 5528.57 |
| 73 | 2031-05 | 357.51 | 11.98 | 345.54 | 5183.03 |
| 74 | 2031-06 | 356.77 | 11.23 | 345.54 | 4837.49 |
| 75 | 2031-07 | 356.02 | 10.48 | 345.54 | 4491.96 |
| 76 | 2031-08 | 355.27 | 9.73 | 345.54 | 4146.42 |
| 77 | 2031-09 | 354.52 | 8.98 | 345.54 | 3800.89 |
| 78 | 2031-10 | 353.77 | 8.24 | 345.54 | 3455.35 |
| 79 | 2031-11 | 353.02 | 7.49 | 345.54 | 3109.82 |
| 80 | 2031-12 | 352.27 | 6.74 | 345.54 | 2764.28 |
| 81 | 2032-01 | 351.52 | 5.99 | 345.54 | 2418.75 |
| 82 | 2032-02 | 350.78 | 5.24 | 345.54 | 2073.21 |
| 83 | 2032-03 | 350.03 | 4.49 | 345.54 | 1727.68 |
| 84 | 2032-04 | 349.28 | 3.74 | 345.54 | 1382.14 |
| 85 | 2032-05 | 348.53 | 2.99 | 345.54 | 1036.61 |
| 86 | 2032-06 | 347.78 | 2.25 | 345.54 | 691.07 |
| 87 | 2032-07 | 347.03 | 1.50 | 345.54 | 345.54 |
| 88 | 2032-08 | 346.28 | 0.75 | 345.54 | 0.00 |