贷款1.5万（公积金贷款）房贷，还款6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：1.5万
还款月数：6年
每月还款：225.23元
利息总额：1216.62元
本息合计：1.62万
| 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 | 225.23 | 32.50 | 192.73 | 14807.27 |
| 2 | 2025-06 | 225.23 | 32.08 | 193.15 | 14614.12 |
| 3 | 2025-07 | 225.23 | 31.66 | 193.57 | 14420.55 |
| 4 | 2025-08 | 225.23 | 31.24 | 193.99 | 14226.57 |
| 5 | 2025-09 | 225.23 | 30.82 | 194.41 | 14032.16 |
| 6 | 2025-10 | 225.23 | 30.40 | 194.83 | 13837.33 |
| 7 | 2025-11 | 225.23 | 29.98 | 195.25 | 13642.08 |
| 8 | 2025-12 | 225.23 | 29.56 | 195.67 | 13446.41 |
| 9 | 2026-01 | 225.23 | 29.13 | 196.10 | 13250.31 |
| 10 | 2026-02 | 225.23 | 28.71 | 196.52 | 13053.79 |
| 11 | 2026-03 | 225.23 | 28.28 | 196.95 | 12856.84 |
| 12 | 2026-04 | 225.23 | 27.86 | 197.37 | 12659.47 |
| 13 | 2026-05 | 225.23 | 27.43 | 197.80 | 12461.67 |
| 14 | 2026-06 | 225.23 | 27.00 | 198.23 | 12263.44 |
| 15 | 2026-07 | 225.23 | 26.57 | 198.66 | 12064.78 |
| 16 | 2026-08 | 225.23 | 26.14 | 199.09 | 11865.69 |
| 17 | 2026-09 | 225.23 | 25.71 | 199.52 | 11666.16 |
| 18 | 2026-10 | 225.23 | 25.28 | 199.95 | 11466.21 |
| 19 | 2026-11 | 225.23 | 24.84 | 200.39 | 11265.82 |
| 20 | 2026-12 | 225.23 | 24.41 | 200.82 | 11065.00 |
| 21 | 2027-01 | 225.23 | 23.97 | 201.26 | 10863.75 |
| 22 | 2027-02 | 225.23 | 23.54 | 201.69 | 10662.05 |
| 23 | 2027-03 | 225.23 | 23.10 | 202.13 | 10459.92 |
| 24 | 2027-04 | 225.23 | 22.66 | 202.57 | 10257.36 |
| 25 | 2027-05 | 225.23 | 22.22 | 203.01 | 10054.35 |
| 26 | 2027-06 | 225.23 | 21.78 | 203.45 | 9850.90 |
| 27 | 2027-07 | 225.23 | 21.34 | 203.89 | 9647.01 |
| 28 | 2027-08 | 225.23 | 20.90 | 204.33 | 9442.69 |
| 29 | 2027-09 | 225.23 | 20.46 | 204.77 | 9237.91 |
| 30 | 2027-10 | 225.23 | 20.02 | 205.22 | 9032.70 |
| 31 | 2027-11 | 225.23 | 19.57 | 205.66 | 8827.04 |
| 32 | 2027-12 | 225.23 | 19.13 | 206.11 | 8620.93 |
| 33 | 2028-01 | 225.23 | 18.68 | 206.55 | 8414.38 |
| 34 | 2028-02 | 225.23 | 18.23 | 207.00 | 8207.38 |
| 35 | 2028-03 | 225.23 | 17.78 | 207.45 | 7999.93 |
| 36 | 2028-04 | 225.23 | 17.33 | 207.90 | 7792.04 |
| 37 | 2028-05 | 225.23 | 16.88 | 208.35 | 7583.69 |
| 38 | 2028-06 | 225.23 | 16.43 | 208.80 | 7374.89 |
| 39 | 2028-07 | 225.23 | 15.98 | 209.25 | 7165.64 |
| 40 | 2028-08 | 225.23 | 15.53 | 209.71 | 6955.93 |
| 41 | 2028-09 | 225.23 | 15.07 | 210.16 | 6745.77 |
| 42 | 2028-10 | 225.23 | 14.62 | 210.61 | 6535.16 |
| 43 | 2028-11 | 225.23 | 14.16 | 211.07 | 6324.09 |
| 44 | 2028-12 | 225.23 | 13.70 | 211.53 | 6112.56 |
| 45 | 2029-01 | 225.23 | 13.24 | 211.99 | 5900.57 |
| 46 | 2029-02 | 225.23 | 12.78 | 212.45 | 5688.12 |
| 47 | 2029-03 | 225.23 | 12.32 | 212.91 | 5475.22 |
| 48 | 2029-04 | 225.23 | 11.86 | 213.37 | 5261.85 |
| 49 | 2029-05 | 225.23 | 11.40 | 213.83 | 5048.02 |
| 50 | 2029-06 | 225.23 | 10.94 | 214.29 | 4833.73 |
| 51 | 2029-07 | 225.23 | 10.47 | 214.76 | 4618.97 |
| 52 | 2029-08 | 225.23 | 10.01 | 215.22 | 4403.74 |
| 53 | 2029-09 | 225.23 | 9.54 | 215.69 | 4188.06 |
| 54 | 2029-10 | 225.23 | 9.07 | 216.16 | 3971.90 |
| 55 | 2029-11 | 225.23 | 8.61 | 216.63 | 3755.27 |
| 56 | 2029-12 | 225.23 | 8.14 | 217.09 | 3538.18 |
| 57 | 2030-01 | 225.23 | 7.67 | 217.56 | 3320.61 |
| 58 | 2030-02 | 225.23 | 7.19 | 218.04 | 3102.58 |
| 59 | 2030-03 | 225.23 | 6.72 | 218.51 | 2884.07 |
| 60 | 2030-04 | 225.23 | 6.25 | 218.98 | 2665.09 |
| 61 | 2030-05 | 225.23 | 5.77 | 219.46 | 2445.63 |
| 62 | 2030-06 | 225.23 | 5.30 | 219.93 | 2225.70 |
| 63 | 2030-07 | 225.23 | 4.82 | 220.41 | 2005.29 |
| 64 | 2030-08 | 225.23 | 4.34 | 220.89 | 1784.40 |
| 65 | 2030-09 | 225.23 | 3.87 | 221.36 | 1563.04 |
| 66 | 2030-10 | 225.23 | 3.39 | 221.84 | 1341.20 |
| 67 | 2030-11 | 225.23 | 2.91 | 222.32 | 1118.87 |
| 68 | 2030-12 | 225.23 | 2.42 | 222.81 | 896.06 |
| 69 | 2031-01 | 225.23 | 1.94 | 223.29 | 672.77 |
| 70 | 2031-02 | 225.23 | 1.46 | 223.77 | 449.00 |
| 71 | 2031-03 | 225.23 | 0.97 | 224.26 | 224.74 |
| 72 | 2031-04 | 225.23 | 0.49 | 224.74 | 0.00 |
等额本金还款方式：
贷款总额：1.5万
还款月数：6年
首月还款：240.83元
每月递减：0.45元
利息总额：1186.25元
本息合计：1.62万
节省利息：30.37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 | 240.83 | 32.50 | 208.33 | 14791.67 |
| 2 | 2025-06 | 240.38 | 32.05 | 208.33 | 14583.33 |
| 3 | 2025-07 | 239.93 | 31.60 | 208.33 | 14375.00 |
| 4 | 2025-08 | 239.48 | 31.15 | 208.33 | 14166.67 |
| 5 | 2025-09 | 239.03 | 30.69 | 208.33 | 13958.33 |
| 6 | 2025-10 | 238.58 | 30.24 | 208.33 | 13750.00 |
| 7 | 2025-11 | 238.13 | 29.79 | 208.33 | 13541.67 |
| 8 | 2025-12 | 237.67 | 29.34 | 208.33 | 13333.33 |
| 9 | 2026-01 | 237.22 | 28.89 | 208.33 | 13125.00 |
| 10 | 2026-02 | 236.77 | 28.44 | 208.33 | 12916.67 |
| 11 | 2026-03 | 236.32 | 27.99 | 208.33 | 12708.33 |
| 12 | 2026-04 | 235.87 | 27.53 | 208.33 | 12500.00 |
| 13 | 2026-05 | 235.42 | 27.08 | 208.33 | 12291.67 |
| 14 | 2026-06 | 234.97 | 26.63 | 208.33 | 12083.33 |
| 15 | 2026-07 | 234.51 | 26.18 | 208.33 | 11875.00 |
| 16 | 2026-08 | 234.06 | 25.73 | 208.33 | 11666.67 |
| 17 | 2026-09 | 233.61 | 25.28 | 208.33 | 11458.33 |
| 18 | 2026-10 | 233.16 | 24.83 | 208.33 | 11250.00 |
| 19 | 2026-11 | 232.71 | 24.38 | 208.33 | 11041.67 |
| 20 | 2026-12 | 232.26 | 23.92 | 208.33 | 10833.33 |
| 21 | 2027-01 | 231.81 | 23.47 | 208.33 | 10625.00 |
| 22 | 2027-02 | 231.35 | 23.02 | 208.33 | 10416.67 |
| 23 | 2027-03 | 230.90 | 22.57 | 208.33 | 10208.33 |
| 24 | 2027-04 | 230.45 | 22.12 | 208.33 | 10000.00 |
| 25 | 2027-05 | 230.00 | 21.67 | 208.33 | 9791.67 |
| 26 | 2027-06 | 229.55 | 21.22 | 208.33 | 9583.33 |
| 27 | 2027-07 | 229.10 | 20.76 | 208.33 | 9375.00 |
| 28 | 2027-08 | 228.65 | 20.31 | 208.33 | 9166.67 |
| 29 | 2027-09 | 228.19 | 19.86 | 208.33 | 8958.33 |
| 30 | 2027-10 | 227.74 | 19.41 | 208.33 | 8750.00 |
| 31 | 2027-11 | 227.29 | 18.96 | 208.33 | 8541.67 |
| 32 | 2027-12 | 226.84 | 18.51 | 208.33 | 8333.33 |
| 33 | 2028-01 | 226.39 | 18.06 | 208.33 | 8125.00 |
| 34 | 2028-02 | 225.94 | 17.60 | 208.33 | 7916.67 |
| 35 | 2028-03 | 225.49 | 17.15 | 208.33 | 7708.33 |
| 36 | 2028-04 | 225.03 | 16.70 | 208.33 | 7500.00 |
| 37 | 2028-05 | 224.58 | 16.25 | 208.33 | 7291.67 |
| 38 | 2028-06 | 224.13 | 15.80 | 208.33 | 7083.33 |
| 39 | 2028-07 | 223.68 | 15.35 | 208.33 | 6875.00 |
| 40 | 2028-08 | 223.23 | 14.90 | 208.33 | 6666.67 |
| 41 | 2028-09 | 222.78 | 14.44 | 208.33 | 6458.33 |
| 42 | 2028-10 | 222.33 | 13.99 | 208.33 | 6250.00 |
| 43 | 2028-11 | 221.88 | 13.54 | 208.33 | 6041.67 |
| 44 | 2028-12 | 221.42 | 13.09 | 208.33 | 5833.33 |
| 45 | 2029-01 | 220.97 | 12.64 | 208.33 | 5625.00 |
| 46 | 2029-02 | 220.52 | 12.19 | 208.33 | 5416.67 |
| 47 | 2029-03 | 220.07 | 11.74 | 208.33 | 5208.33 |
| 48 | 2029-04 | 219.62 | 11.28 | 208.33 | 5000.00 |
| 49 | 2029-05 | 219.17 | 10.83 | 208.33 | 4791.67 |
| 50 | 2029-06 | 218.72 | 10.38 | 208.33 | 4583.33 |
| 51 | 2029-07 | 218.26 | 9.93 | 208.33 | 4375.00 |
| 52 | 2029-08 | 217.81 | 9.48 | 208.33 | 4166.67 |
| 53 | 2029-09 | 217.36 | 9.03 | 208.33 | 3958.33 |
| 54 | 2029-10 | 216.91 | 8.58 | 208.33 | 3750.00 |
| 55 | 2029-11 | 216.46 | 8.13 | 208.33 | 3541.67 |
| 56 | 2029-12 | 216.01 | 7.67 | 208.33 | 3333.33 |
| 57 | 2030-01 | 215.56 | 7.22 | 208.33 | 3125.00 |
| 58 | 2030-02 | 215.10 | 6.77 | 208.33 | 2916.67 |
| 59 | 2030-03 | 214.65 | 6.32 | 208.33 | 2708.33 |
| 60 | 2030-04 | 214.20 | 5.87 | 208.33 | 2500.00 |
| 61 | 2030-05 | 213.75 | 5.42 | 208.33 | 2291.67 |
| 62 | 2030-06 | 213.30 | 4.97 | 208.33 | 2083.33 |
| 63 | 2030-07 | 212.85 | 4.51 | 208.33 | 1875.00 |
| 64 | 2030-08 | 212.40 | 4.06 | 208.33 | 1666.67 |
| 65 | 2030-09 | 211.94 | 3.61 | 208.33 | 1458.33 |
| 66 | 2030-10 | 211.49 | 3.16 | 208.33 | 1250.00 |
| 67 | 2030-11 | 211.04 | 2.71 | 208.33 | 1041.67 |
| 68 | 2030-12 | 210.59 | 2.26 | 208.33 | 833.33 |
| 69 | 2031-01 | 210.14 | 1.81 | 208.33 | 625.00 |
| 70 | 2031-02 | 209.69 | 1.35 | 208.33 | 416.67 |
| 71 | 2031-03 | 209.24 | 0.90 | 208.33 | 208.33 |
| 72 | 2031-04 | 208.78 | 0.45 | 208.33 | 0.00 |