贷款1.72万（公积金贷款）房贷，还款6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：1.72万
还款月数：6年4个月
每月还款：245.38元
利息总额：1471.62元
本息合计：1.86万
| 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 | 245.38 | 37.22 | 208.16 | 16969.19 |
| 2 | 2025-06 | 245.38 | 36.77 | 208.61 | 16760.57 |
| 3 | 2025-07 | 245.38 | 36.31 | 209.07 | 16551.50 |
| 4 | 2025-08 | 245.38 | 35.86 | 209.52 | 16341.99 |
| 5 | 2025-09 | 245.38 | 35.41 | 209.97 | 16132.01 |
| 6 | 2025-10 | 245.38 | 34.95 | 210.43 | 15921.58 |
| 7 | 2025-11 | 245.38 | 34.50 | 210.88 | 15710.70 |
| 8 | 2025-12 | 245.38 | 34.04 | 211.34 | 15499.36 |
| 9 | 2026-01 | 245.38 | 33.58 | 211.80 | 15287.56 |
| 10 | 2026-02 | 245.38 | 33.12 | 212.26 | 15075.30 |
| 11 | 2026-03 | 245.38 | 32.66 | 212.72 | 14862.58 |
| 12 | 2026-04 | 245.38 | 32.20 | 213.18 | 14649.40 |
| 13 | 2026-05 | 245.38 | 31.74 | 213.64 | 14435.76 |
| 14 | 2026-06 | 245.38 | 31.28 | 214.10 | 14221.66 |
| 15 | 2026-07 | 245.38 | 30.81 | 214.57 | 14007.09 |
| 16 | 2026-08 | 245.38 | 30.35 | 215.03 | 13792.06 |
| 17 | 2026-09 | 245.38 | 29.88 | 215.50 | 13576.56 |
| 18 | 2026-10 | 245.38 | 29.42 | 215.97 | 13360.59 |
| 19 | 2026-11 | 245.38 | 28.95 | 216.43 | 13144.16 |
| 20 | 2026-12 | 245.38 | 28.48 | 216.90 | 12927.26 |
| 21 | 2027-01 | 245.38 | 28.01 | 217.37 | 12709.89 |
| 22 | 2027-02 | 245.38 | 27.54 | 217.84 | 12492.04 |
| 23 | 2027-03 | 245.38 | 27.07 | 218.32 | 12273.73 |
| 24 | 2027-04 | 245.38 | 26.59 | 218.79 | 12054.94 |
| 25 | 2027-05 | 245.38 | 26.12 | 219.26 | 11835.68 |
| 26 | 2027-06 | 245.38 | 25.64 | 219.74 | 11615.94 |
| 27 | 2027-07 | 245.38 | 25.17 | 220.21 | 11395.73 |
| 28 | 2027-08 | 245.38 | 24.69 | 220.69 | 11175.04 |
| 29 | 2027-09 | 245.38 | 24.21 | 221.17 | 10953.87 |
| 30 | 2027-10 | 245.38 | 23.73 | 221.65 | 10732.22 |
| 31 | 2027-11 | 245.38 | 23.25 | 222.13 | 10510.09 |
| 32 | 2027-12 | 245.38 | 22.77 | 222.61 | 10287.48 |
| 33 | 2028-01 | 245.38 | 22.29 | 223.09 | 10064.39 |
| 34 | 2028-02 | 245.38 | 21.81 | 223.58 | 9840.82 |
| 35 | 2028-03 | 245.38 | 21.32 | 224.06 | 9616.76 |
| 36 | 2028-04 | 245.38 | 20.84 | 224.54 | 9392.21 |
| 37 | 2028-05 | 245.38 | 20.35 | 225.03 | 9167.18 |
| 38 | 2028-06 | 245.38 | 19.86 | 225.52 | 8941.66 |
| 39 | 2028-07 | 245.38 | 19.37 | 226.01 | 8715.65 |
| 40 | 2028-08 | 245.38 | 18.88 | 226.50 | 8489.16 |
| 41 | 2028-09 | 245.38 | 18.39 | 226.99 | 8262.17 |
| 42 | 2028-10 | 245.38 | 17.90 | 227.48 | 8034.69 |
| 43 | 2028-11 | 245.38 | 17.41 | 227.97 | 7806.71 |
| 44 | 2028-12 | 245.38 | 16.91 | 228.47 | 7578.25 |
| 45 | 2029-01 | 245.38 | 16.42 | 228.96 | 7349.29 |
| 46 | 2029-02 | 245.38 | 15.92 | 229.46 | 7119.83 |
| 47 | 2029-03 | 245.38 | 15.43 | 229.95 | 6889.87 |
| 48 | 2029-04 | 245.38 | 14.93 | 230.45 | 6659.42 |
| 49 | 2029-05 | 245.38 | 14.43 | 230.95 | 6428.47 |
| 50 | 2029-06 | 245.38 | 13.93 | 231.45 | 6197.02 |
| 51 | 2029-07 | 245.38 | 13.43 | 231.95 | 5965.06 |
| 52 | 2029-08 | 245.38 | 12.92 | 232.46 | 5732.60 |
| 53 | 2029-09 | 245.38 | 12.42 | 232.96 | 5499.64 |
| 54 | 2029-10 | 245.38 | 11.92 | 233.47 | 5266.18 |
| 55 | 2029-11 | 245.38 | 11.41 | 233.97 | 5032.21 |
| 56 | 2029-12 | 245.38 | 10.90 | 234.48 | 4797.73 |
| 57 | 2030-01 | 245.38 | 10.40 | 234.99 | 4562.74 |
| 58 | 2030-02 | 245.38 | 9.89 | 235.50 | 4327.25 |
| 59 | 2030-03 | 245.38 | 9.38 | 236.01 | 4091.24 |
| 60 | 2030-04 | 245.38 | 8.86 | 236.52 | 3854.72 |
| 61 | 2030-05 | 245.38 | 8.35 | 237.03 | 3617.70 |
| 62 | 2030-06 | 245.38 | 7.84 | 237.54 | 3380.15 |
| 63 | 2030-07 | 245.38 | 7.32 | 238.06 | 3142.09 |
| 64 | 2030-08 | 245.38 | 6.81 | 238.57 | 2903.52 |
| 65 | 2030-09 | 245.38 | 6.29 | 239.09 | 2664.43 |
| 66 | 2030-10 | 245.38 | 5.77 | 239.61 | 2424.82 |
| 67 | 2030-11 | 245.38 | 5.25 | 240.13 | 2184.70 |
| 68 | 2030-12 | 245.38 | 4.73 | 240.65 | 1944.05 |
| 69 | 2031-01 | 245.38 | 4.21 | 241.17 | 1702.88 |
| 70 | 2031-02 | 245.38 | 3.69 | 241.69 | 1461.19 |
| 71 | 2031-03 | 245.38 | 3.17 | 242.22 | 1218.97 |
| 72 | 2031-04 | 245.38 | 2.64 | 242.74 | 976.23 |
| 73 | 2031-05 | 245.38 | 2.12 | 243.27 | 732.97 |
| 74 | 2031-06 | 245.38 | 1.59 | 243.79 | 489.17 |
| 75 | 2031-07 | 245.38 | 1.06 | 244.32 | 244.85 |
| 76 | 2031-08 | 245.38 | 0.53 | 244.85 | 0.00 |
等额本金还款方式：
贷款总额：1.72万
还款月数：6年4个月
首月还款：263.24元
每月递减：0.49元
利息总额：1432.88元
本息合计：1.86万
节省利息：38.75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 | 263.24 | 37.22 | 226.02 | 16951.33 |
| 2 | 2025-06 | 262.75 | 36.73 | 226.02 | 16725.31 |
| 3 | 2025-07 | 262.26 | 36.24 | 226.02 | 16499.30 |
| 4 | 2025-08 | 261.77 | 35.75 | 226.02 | 16273.28 |
| 5 | 2025-09 | 261.28 | 35.26 | 226.02 | 16047.26 |
| 6 | 2025-10 | 260.79 | 34.77 | 226.02 | 15821.24 |
| 7 | 2025-11 | 260.30 | 34.28 | 226.02 | 15595.23 |
| 8 | 2025-12 | 259.81 | 33.79 | 226.02 | 15369.21 |
| 9 | 2026-01 | 259.32 | 33.30 | 226.02 | 15143.19 |
| 10 | 2026-02 | 258.83 | 32.81 | 226.02 | 14917.17 |
| 11 | 2026-03 | 258.34 | 32.32 | 226.02 | 14691.15 |
| 12 | 2026-04 | 257.85 | 31.83 | 226.02 | 14465.14 |
| 13 | 2026-05 | 257.36 | 31.34 | 226.02 | 14239.12 |
| 14 | 2026-06 | 256.87 | 30.85 | 226.02 | 14013.10 |
| 15 | 2026-07 | 256.38 | 30.36 | 226.02 | 13787.08 |
| 16 | 2026-08 | 255.89 | 29.87 | 226.02 | 13561.07 |
| 17 | 2026-09 | 255.40 | 29.38 | 226.02 | 13335.05 |
| 18 | 2026-10 | 254.91 | 28.89 | 226.02 | 13109.03 |
| 19 | 2026-11 | 254.42 | 28.40 | 226.02 | 12883.01 |
| 20 | 2026-12 | 253.93 | 27.91 | 226.02 | 12656.99 |
| 21 | 2027-01 | 253.44 | 27.42 | 226.02 | 12430.98 |
| 22 | 2027-02 | 252.95 | 26.93 | 226.02 | 12204.96 |
| 23 | 2027-03 | 252.46 | 26.44 | 226.02 | 11978.94 |
| 24 | 2027-04 | 251.97 | 25.95 | 226.02 | 11752.92 |
| 25 | 2027-05 | 251.48 | 25.46 | 226.02 | 11526.91 |
| 26 | 2027-06 | 250.99 | 24.97 | 226.02 | 11300.89 |
| 27 | 2027-07 | 250.50 | 24.49 | 226.02 | 11074.87 |
| 28 | 2027-08 | 250.01 | 24.00 | 226.02 | 10848.85 |
| 29 | 2027-09 | 249.52 | 23.51 | 226.02 | 10622.83 |
| 30 | 2027-10 | 249.03 | 23.02 | 226.02 | 10396.82 |
| 31 | 2027-11 | 248.54 | 22.53 | 226.02 | 10170.80 |
| 32 | 2027-12 | 248.05 | 22.04 | 226.02 | 9944.78 |
| 33 | 2028-01 | 247.56 | 21.55 | 226.02 | 9718.76 |
| 34 | 2028-02 | 247.08 | 21.06 | 226.02 | 9492.75 |
| 35 | 2028-03 | 246.59 | 20.57 | 226.02 | 9266.73 |
| 36 | 2028-04 | 246.10 | 20.08 | 226.02 | 9040.71 |
| 37 | 2028-05 | 245.61 | 19.59 | 226.02 | 8814.69 |
| 38 | 2028-06 | 245.12 | 19.10 | 226.02 | 8588.67 |
| 39 | 2028-07 | 244.63 | 18.61 | 226.02 | 8362.66 |
| 40 | 2028-08 | 244.14 | 18.12 | 226.02 | 8136.64 |
| 41 | 2028-09 | 243.65 | 17.63 | 226.02 | 7910.62 |
| 42 | 2028-10 | 243.16 | 17.14 | 226.02 | 7684.60 |
| 43 | 2028-11 | 242.67 | 16.65 | 226.02 | 7458.59 |
| 44 | 2028-12 | 242.18 | 16.16 | 226.02 | 7232.57 |
| 45 | 2029-01 | 241.69 | 15.67 | 226.02 | 7006.55 |
| 46 | 2029-02 | 241.20 | 15.18 | 226.02 | 6780.53 |
| 47 | 2029-03 | 240.71 | 14.69 | 226.02 | 6554.52 |
| 48 | 2029-04 | 240.22 | 14.20 | 226.02 | 6328.50 |
| 49 | 2029-05 | 239.73 | 13.71 | 226.02 | 6102.48 |
| 50 | 2029-06 | 239.24 | 13.22 | 226.02 | 5876.46 |
| 51 | 2029-07 | 238.75 | 12.73 | 226.02 | 5650.44 |
| 52 | 2029-08 | 238.26 | 12.24 | 226.02 | 5424.43 |
| 53 | 2029-09 | 237.77 | 11.75 | 226.02 | 5198.41 |
| 54 | 2029-10 | 237.28 | 11.26 | 226.02 | 4972.39 |
| 55 | 2029-11 | 236.79 | 10.77 | 226.02 | 4746.37 |
| 56 | 2029-12 | 236.30 | 10.28 | 226.02 | 4520.36 |
| 57 | 2030-01 | 235.81 | 9.79 | 226.02 | 4294.34 |
| 58 | 2030-02 | 235.32 | 9.30 | 226.02 | 4068.32 |
| 59 | 2030-03 | 234.83 | 8.81 | 226.02 | 3842.30 |
| 60 | 2030-04 | 234.34 | 8.32 | 226.02 | 3616.28 |
| 61 | 2030-05 | 233.85 | 7.84 | 226.02 | 3390.27 |
| 62 | 2030-06 | 233.36 | 7.35 | 226.02 | 3164.25 |
| 63 | 2030-07 | 232.87 | 6.86 | 226.02 | 2938.23 |
| 64 | 2030-08 | 232.38 | 6.37 | 226.02 | 2712.21 |
| 65 | 2030-09 | 231.89 | 5.88 | 226.02 | 2486.20 |
| 66 | 2030-10 | 231.40 | 5.39 | 226.02 | 2260.18 |
| 67 | 2030-11 | 230.91 | 4.90 | 226.02 | 2034.16 |
| 68 | 2030-12 | 230.43 | 4.41 | 226.02 | 1808.14 |
| 69 | 2031-01 | 229.94 | 3.92 | 226.02 | 1582.12 |
| 70 | 2031-02 | 229.45 | 3.43 | 226.02 | 1356.11 |
| 71 | 2031-03 | 228.96 | 2.94 | 226.02 | 1130.09 |
| 72 | 2031-04 | 228.47 | 2.45 | 226.02 | 904.07 |
| 73 | 2031-05 | 227.98 | 1.96 | 226.02 | 678.05 |
| 74 | 2031-06 | 227.49 | 1.47 | 226.02 | 452.04 |
| 75 | 2031-07 | 227.00 | 0.98 | 226.02 | 226.02 |
| 76 | 2031-08 | 226.51 | 0.49 | 226.02 | 0.00 |