贷款3.08万（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：3.08万
还款月数：7年4个月
每月还款：384.97元
利息总额：3064.09元
本息合计：3.39万
| 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 | 384.97 | 66.76 | 318.21 | 30495.04 |
| 2 | 2025-06 | 384.97 | 66.07 | 318.90 | 30176.15 |
| 3 | 2025-07 | 384.97 | 65.38 | 319.59 | 29856.56 |
| 4 | 2025-08 | 384.97 | 64.69 | 320.28 | 29536.28 |
| 5 | 2025-09 | 384.97 | 64.00 | 320.97 | 29215.30 |
| 6 | 2025-10 | 384.97 | 63.30 | 321.67 | 28893.63 |
| 7 | 2025-11 | 384.97 | 62.60 | 322.37 | 28571.27 |
| 8 | 2025-12 | 384.97 | 61.90 | 323.07 | 28248.20 |
| 9 | 2026-01 | 384.97 | 61.20 | 323.77 | 27924.43 |
| 10 | 2026-02 | 384.97 | 60.50 | 324.47 | 27599.97 |
| 11 | 2026-03 | 384.97 | 59.80 | 325.17 | 27274.80 |
| 12 | 2026-04 | 384.97 | 59.10 | 325.87 | 26948.92 |
| 13 | 2026-05 | 384.97 | 58.39 | 326.58 | 26622.34 |
| 14 | 2026-06 | 384.97 | 57.68 | 327.29 | 26295.05 |
| 15 | 2026-07 | 384.97 | 56.97 | 328.00 | 25967.06 |
| 16 | 2026-08 | 384.97 | 56.26 | 328.71 | 25638.35 |
| 17 | 2026-09 | 384.97 | 55.55 | 329.42 | 25308.93 |
| 18 | 2026-10 | 384.97 | 54.84 | 330.13 | 24978.80 |
| 19 | 2026-11 | 384.97 | 54.12 | 330.85 | 24647.95 |
| 20 | 2026-12 | 384.97 | 53.40 | 331.57 | 24316.38 |
| 21 | 2027-01 | 384.97 | 52.69 | 332.28 | 23984.10 |
| 22 | 2027-02 | 384.97 | 51.97 | 333.00 | 23651.09 |
| 23 | 2027-03 | 384.97 | 51.24 | 333.73 | 23317.37 |
| 24 | 2027-04 | 384.97 | 50.52 | 334.45 | 22982.92 |
| 25 | 2027-05 | 384.97 | 49.80 | 335.17 | 22647.74 |
| 26 | 2027-06 | 384.97 | 49.07 | 335.90 | 22311.85 |
| 27 | 2027-07 | 384.97 | 48.34 | 336.63 | 21975.22 |
| 28 | 2027-08 | 384.97 | 47.61 | 337.36 | 21637.86 |
| 29 | 2027-09 | 384.97 | 46.88 | 338.09 | 21299.77 |
| 30 | 2027-10 | 384.97 | 46.15 | 338.82 | 20960.95 |
| 31 | 2027-11 | 384.97 | 45.42 | 339.55 | 20621.40 |
| 32 | 2027-12 | 384.97 | 44.68 | 340.29 | 20281.11 |
| 33 | 2028-01 | 384.97 | 43.94 | 341.03 | 19940.08 |
| 34 | 2028-02 | 384.97 | 43.20 | 341.77 | 19598.31 |
| 35 | 2028-03 | 384.97 | 42.46 | 342.51 | 19255.81 |
| 36 | 2028-04 | 384.97 | 41.72 | 343.25 | 18912.56 |
| 37 | 2028-05 | 384.97 | 40.98 | 343.99 | 18568.57 |
| 38 | 2028-06 | 384.97 | 40.23 | 344.74 | 18223.83 |
| 39 | 2028-07 | 384.97 | 39.48 | 345.48 | 17878.34 |
| 40 | 2028-08 | 384.97 | 38.74 | 346.23 | 17532.11 |
| 41 | 2028-09 | 384.97 | 37.99 | 346.98 | 17185.13 |
| 42 | 2028-10 | 384.97 | 37.23 | 347.74 | 16837.39 |
| 43 | 2028-11 | 384.97 | 36.48 | 348.49 | 16488.90 |
| 44 | 2028-12 | 384.97 | 35.73 | 349.24 | 16139.66 |
| 45 | 2029-01 | 384.97 | 34.97 | 350.00 | 15789.66 |
| 46 | 2029-02 | 384.97 | 34.21 | 350.76 | 15438.90 |
| 47 | 2029-03 | 384.97 | 33.45 | 351.52 | 15087.38 |
| 48 | 2029-04 | 384.97 | 32.69 | 352.28 | 14735.10 |
| 49 | 2029-05 | 384.97 | 31.93 | 353.04 | 14382.06 |
| 50 | 2029-06 | 384.97 | 31.16 | 353.81 | 14028.25 |
| 51 | 2029-07 | 384.97 | 30.39 | 354.58 | 13673.67 |
| 52 | 2029-08 | 384.97 | 29.63 | 355.34 | 13318.33 |
| 53 | 2029-09 | 384.97 | 28.86 | 356.11 | 12962.22 |
| 54 | 2029-10 | 384.97 | 28.08 | 356.88 | 12605.33 |
| 55 | 2029-11 | 384.97 | 27.31 | 357.66 | 12247.67 |
| 56 | 2029-12 | 384.97 | 26.54 | 358.43 | 11889.24 |
| 57 | 2030-01 | 384.97 | 25.76 | 359.21 | 11530.03 |
| 58 | 2030-02 | 384.97 | 24.98 | 359.99 | 11170.04 |
| 59 | 2030-03 | 384.97 | 24.20 | 360.77 | 10809.27 |
| 60 | 2030-04 | 384.97 | 23.42 | 361.55 | 10447.72 |
| 61 | 2030-05 | 384.97 | 22.64 | 362.33 | 10085.39 |
| 62 | 2030-06 | 384.97 | 21.85 | 363.12 | 9722.27 |
| 63 | 2030-07 | 384.97 | 21.06 | 363.90 | 9358.37 |
| 64 | 2030-08 | 384.97 | 20.28 | 364.69 | 8993.67 |
| 65 | 2030-09 | 384.97 | 19.49 | 365.48 | 8628.19 |
| 66 | 2030-10 | 384.97 | 18.69 | 366.28 | 8261.92 |
| 67 | 2030-11 | 384.97 | 17.90 | 367.07 | 7894.85 |
| 68 | 2030-12 | 384.97 | 17.11 | 367.86 | 7526.98 |
| 69 | 2031-01 | 384.97 | 16.31 | 368.66 | 7158.32 |
| 70 | 2031-02 | 384.97 | 15.51 | 369.46 | 6788.86 |
| 71 | 2031-03 | 384.97 | 14.71 | 370.26 | 6418.60 |
| 72 | 2031-04 | 384.97 | 13.91 | 371.06 | 6047.54 |
| 73 | 2031-05 | 384.97 | 13.10 | 371.87 | 5675.67 |
| 74 | 2031-06 | 384.97 | 12.30 | 372.67 | 5303.00 |
| 75 | 2031-07 | 384.97 | 11.49 | 373.48 | 4929.52 |
| 76 | 2031-08 | 384.97 | 10.68 | 374.29 | 4555.23 |
| 77 | 2031-09 | 384.97 | 9.87 | 375.10 | 4180.13 |
| 78 | 2031-10 | 384.97 | 9.06 | 375.91 | 3804.22 |
| 79 | 2031-11 | 384.97 | 8.24 | 376.73 | 3427.49 |
| 80 | 2031-12 | 384.97 | 7.43 | 377.54 | 3049.95 |
| 81 | 2032-01 | 384.97 | 6.61 | 378.36 | 2671.58 |
| 82 | 2032-02 | 384.97 | 5.79 | 379.18 | 2292.40 |
| 83 | 2032-03 | 384.97 | 4.97 | 380.00 | 1912.40 |
| 84 | 2032-04 | 384.97 | 4.14 | 380.83 | 1531.57 |
| 85 | 2032-05 | 384.97 | 3.32 | 381.65 | 1149.92 |
| 86 | 2032-06 | 384.97 | 2.49 | 382.48 | 767.44 |
| 87 | 2032-07 | 384.97 | 1.66 | 383.31 | 384.14 |
| 88 | 2032-08 | 384.97 | 0.83 | 384.14 | 0.00 |
等额本金还款方式：
贷款总额：3.08万
还款月数：7年4个月
首月还款：416.91元
每月递减：0.76元
利息总额：2970.91元
本息合计：3.38万
节省利息：93.18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 | 416.91 | 66.76 | 350.15 | 30463.10 |
| 2 | 2025-06 | 416.15 | 66.00 | 350.15 | 30112.95 |
| 3 | 2025-07 | 415.40 | 65.24 | 350.15 | 29762.80 |
| 4 | 2025-08 | 414.64 | 64.49 | 350.15 | 29412.65 |
| 5 | 2025-09 | 413.88 | 63.73 | 350.15 | 29062.50 |
| 6 | 2025-10 | 413.12 | 62.97 | 350.15 | 28712.35 |
| 7 | 2025-11 | 412.36 | 62.21 | 350.15 | 28362.20 |
| 8 | 2025-12 | 411.60 | 61.45 | 350.15 | 28012.05 |
| 9 | 2026-01 | 410.84 | 60.69 | 350.15 | 27661.89 |
| 10 | 2026-02 | 410.08 | 59.93 | 350.15 | 27311.74 |
| 11 | 2026-03 | 409.33 | 59.18 | 350.15 | 26961.59 |
| 12 | 2026-04 | 408.57 | 58.42 | 350.15 | 26611.44 |
| 13 | 2026-05 | 407.81 | 57.66 | 350.15 | 26261.29 |
| 14 | 2026-06 | 407.05 | 56.90 | 350.15 | 25911.14 |
| 15 | 2026-07 | 406.29 | 56.14 | 350.15 | 25560.99 |
| 16 | 2026-08 | 405.53 | 55.38 | 350.15 | 25210.84 |
| 17 | 2026-09 | 404.77 | 54.62 | 350.15 | 24860.69 |
| 18 | 2026-10 | 404.02 | 53.86 | 350.15 | 24510.54 |
| 19 | 2026-11 | 403.26 | 53.11 | 350.15 | 24160.39 |
| 20 | 2026-12 | 402.50 | 52.35 | 350.15 | 23810.24 |
| 21 | 2027-01 | 401.74 | 51.59 | 350.15 | 23460.09 |
| 22 | 2027-02 | 400.98 | 50.83 | 350.15 | 23109.94 |
| 23 | 2027-03 | 400.22 | 50.07 | 350.15 | 22759.79 |
| 24 | 2027-04 | 399.46 | 49.31 | 350.15 | 22409.64 |
| 25 | 2027-05 | 398.70 | 48.55 | 350.15 | 22059.49 |
| 26 | 2027-06 | 397.95 | 47.80 | 350.15 | 21709.34 |
| 27 | 2027-07 | 397.19 | 47.04 | 350.15 | 21359.18 |
| 28 | 2027-08 | 396.43 | 46.28 | 350.15 | 21009.03 |
| 29 | 2027-09 | 395.67 | 45.52 | 350.15 | 20658.88 |
| 30 | 2027-10 | 394.91 | 44.76 | 350.15 | 20308.73 |
| 31 | 2027-11 | 394.15 | 44.00 | 350.15 | 19958.58 |
| 32 | 2027-12 | 393.39 | 43.24 | 350.15 | 19608.43 |
| 33 | 2028-01 | 392.64 | 42.48 | 350.15 | 19258.28 |
| 34 | 2028-02 | 391.88 | 41.73 | 350.15 | 18908.13 |
| 35 | 2028-03 | 391.12 | 40.97 | 350.15 | 18557.98 |
| 36 | 2028-04 | 390.36 | 40.21 | 350.15 | 18207.83 |
| 37 | 2028-05 | 389.60 | 39.45 | 350.15 | 17857.68 |
| 38 | 2028-06 | 388.84 | 38.69 | 350.15 | 17507.53 |
| 39 | 2028-07 | 388.08 | 37.93 | 350.15 | 17157.38 |
| 40 | 2028-08 | 387.32 | 37.17 | 350.15 | 16807.23 |
| 41 | 2028-09 | 386.57 | 36.42 | 350.15 | 16457.08 |
| 42 | 2028-10 | 385.81 | 35.66 | 350.15 | 16106.93 |
| 43 | 2028-11 | 385.05 | 34.90 | 350.15 | 15756.78 |
| 44 | 2028-12 | 384.29 | 34.14 | 350.15 | 15406.63 |
| 45 | 2029-01 | 383.53 | 33.38 | 350.15 | 15056.47 |
| 46 | 2029-02 | 382.77 | 32.62 | 350.15 | 14706.32 |
| 47 | 2029-03 | 382.01 | 31.86 | 350.15 | 14356.17 |
| 48 | 2029-04 | 381.26 | 31.11 | 350.15 | 14006.02 |
| 49 | 2029-05 | 380.50 | 30.35 | 350.15 | 13655.87 |
| 50 | 2029-06 | 379.74 | 29.59 | 350.15 | 13305.72 |
| 51 | 2029-07 | 378.98 | 28.83 | 350.15 | 12955.57 |
| 52 | 2029-08 | 378.22 | 28.07 | 350.15 | 12605.42 |
| 53 | 2029-09 | 377.46 | 27.31 | 350.15 | 12255.27 |
| 54 | 2029-10 | 376.70 | 26.55 | 350.15 | 11905.12 |
| 55 | 2029-11 | 375.94 | 25.79 | 350.15 | 11554.97 |
| 56 | 2029-12 | 375.19 | 25.04 | 350.15 | 11204.82 |
| 57 | 2030-01 | 374.43 | 24.28 | 350.15 | 10854.67 |
| 58 | 2030-02 | 373.67 | 23.52 | 350.15 | 10504.52 |
| 59 | 2030-03 | 372.91 | 22.76 | 350.15 | 10154.37 |
| 60 | 2030-04 | 372.15 | 22.00 | 350.15 | 9804.22 |
| 61 | 2030-05 | 371.39 | 21.24 | 350.15 | 9454.07 |
| 62 | 2030-06 | 370.63 | 20.48 | 350.15 | 9103.91 |
| 63 | 2030-07 | 369.88 | 19.73 | 350.15 | 8753.76 |
| 64 | 2030-08 | 369.12 | 18.97 | 350.15 | 8403.61 |
| 65 | 2030-09 | 368.36 | 18.21 | 350.15 | 8053.46 |
| 66 | 2030-10 | 367.60 | 17.45 | 350.15 | 7703.31 |
| 67 | 2030-11 | 366.84 | 16.69 | 350.15 | 7353.16 |
| 68 | 2030-12 | 366.08 | 15.93 | 350.15 | 7003.01 |
| 69 | 2031-01 | 365.32 | 15.17 | 350.15 | 6652.86 |
| 70 | 2031-02 | 364.57 | 14.41 | 350.15 | 6302.71 |
| 71 | 2031-03 | 363.81 | 13.66 | 350.15 | 5952.56 |
| 72 | 2031-04 | 363.05 | 12.90 | 350.15 | 5602.41 |
| 73 | 2031-05 | 362.29 | 12.14 | 350.15 | 5252.26 |
| 74 | 2031-06 | 361.53 | 11.38 | 350.15 | 4902.11 |
| 75 | 2031-07 | 360.77 | 10.62 | 350.15 | 4551.96 |
| 76 | 2031-08 | 360.01 | 9.86 | 350.15 | 4201.81 |
| 77 | 2031-09 | 359.25 | 9.10 | 350.15 | 3851.66 |
| 78 | 2031-10 | 358.50 | 8.35 | 350.15 | 3501.51 |
| 79 | 2031-11 | 357.74 | 7.59 | 350.15 | 3151.36 |
| 80 | 2031-12 | 356.98 | 6.83 | 350.15 | 2801.20 |
| 81 | 2032-01 | 356.22 | 6.07 | 350.15 | 2451.05 |
| 82 | 2032-02 | 355.46 | 5.31 | 350.15 | 2100.90 |
| 83 | 2032-03 | 354.70 | 4.55 | 350.15 | 1750.75 |
| 84 | 2032-04 | 353.94 | 3.79 | 350.15 | 1400.60 |
| 85 | 2032-05 | 353.19 | 3.03 | 350.15 | 1050.45 |
| 86 | 2032-06 | 352.43 | 2.28 | 350.15 | 700.30 |
| 87 | 2032-07 | 351.67 | 1.52 | 350.15 | 350.15 |
| 88 | 2032-08 | 350.91 | 0.76 | 350.15 | 0.00 |