贷款2.69万（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：2.69万
还款月数：6年4个月
每月还款：384.97元
利息总额：2308.78元
本息合计：2.93万
| 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 | 58.39 | 326.58 | 26622.34 |
| 2 | 2025-06 | 384.97 | 57.68 | 327.29 | 26295.05 |
| 3 | 2025-07 | 384.97 | 56.97 | 328.00 | 25967.05 |
| 4 | 2025-08 | 384.97 | 56.26 | 328.71 | 25638.35 |
| 5 | 2025-09 | 384.97 | 55.55 | 329.42 | 25308.93 |
| 6 | 2025-10 | 384.97 | 54.84 | 330.13 | 24978.79 |
| 7 | 2025-11 | 384.97 | 54.12 | 330.85 | 24647.94 |
| 8 | 2025-12 | 384.97 | 53.40 | 331.57 | 24316.38 |
| 9 | 2026-01 | 384.97 | 52.69 | 332.28 | 23984.09 |
| 10 | 2026-02 | 384.97 | 51.97 | 333.00 | 23651.09 |
| 11 | 2026-03 | 384.97 | 51.24 | 333.73 | 23317.36 |
| 12 | 2026-04 | 384.97 | 50.52 | 334.45 | 22982.92 |
| 13 | 2026-05 | 384.97 | 49.80 | 335.17 | 22647.74 |
| 14 | 2026-06 | 384.97 | 49.07 | 335.90 | 22311.84 |
| 15 | 2026-07 | 384.97 | 48.34 | 336.63 | 21975.21 |
| 16 | 2026-08 | 384.97 | 47.61 | 337.36 | 21637.86 |
| 17 | 2026-09 | 384.97 | 46.88 | 338.09 | 21299.77 |
| 18 | 2026-10 | 384.97 | 46.15 | 338.82 | 20960.95 |
| 19 | 2026-11 | 384.97 | 45.42 | 339.55 | 20621.40 |
| 20 | 2026-12 | 384.97 | 44.68 | 340.29 | 20281.11 |
| 21 | 2027-01 | 384.97 | 43.94 | 341.03 | 19940.08 |
| 22 | 2027-02 | 384.97 | 43.20 | 341.77 | 19598.31 |
| 23 | 2027-03 | 384.97 | 42.46 | 342.51 | 19255.81 |
| 24 | 2027-04 | 384.97 | 41.72 | 343.25 | 18912.56 |
| 25 | 2027-05 | 384.97 | 40.98 | 343.99 | 18568.56 |
| 26 | 2027-06 | 384.97 | 40.23 | 344.74 | 18223.83 |
| 27 | 2027-07 | 384.97 | 39.48 | 345.48 | 17878.34 |
| 28 | 2027-08 | 384.97 | 38.74 | 346.23 | 17532.11 |
| 29 | 2027-09 | 384.97 | 37.99 | 346.98 | 17185.12 |
| 30 | 2027-10 | 384.97 | 37.23 | 347.74 | 16837.39 |
| 31 | 2027-11 | 384.97 | 36.48 | 348.49 | 16488.90 |
| 32 | 2027-12 | 384.97 | 35.73 | 349.24 | 16139.66 |
| 33 | 2028-01 | 384.97 | 34.97 | 350.00 | 15789.66 |
| 34 | 2028-02 | 384.97 | 34.21 | 350.76 | 15438.90 |
| 35 | 2028-03 | 384.97 | 33.45 | 351.52 | 15087.38 |
| 36 | 2028-04 | 384.97 | 32.69 | 352.28 | 14735.10 |
| 37 | 2028-05 | 384.97 | 31.93 | 353.04 | 14382.06 |
| 38 | 2028-06 | 384.97 | 31.16 | 353.81 | 14028.25 |
| 39 | 2028-07 | 384.97 | 30.39 | 354.58 | 13673.67 |
| 40 | 2028-08 | 384.97 | 29.63 | 355.34 | 13318.33 |
| 41 | 2028-09 | 384.97 | 28.86 | 356.11 | 12962.21 |
| 42 | 2028-10 | 384.97 | 28.08 | 356.88 | 12605.33 |
| 43 | 2028-11 | 384.97 | 27.31 | 357.66 | 12247.67 |
| 44 | 2028-12 | 384.97 | 26.54 | 358.43 | 11889.24 |
| 45 | 2029-01 | 384.97 | 25.76 | 359.21 | 11530.03 |
| 46 | 2029-02 | 384.97 | 24.98 | 359.99 | 11170.04 |
| 47 | 2029-03 | 384.97 | 24.20 | 360.77 | 10809.27 |
| 48 | 2029-04 | 384.97 | 23.42 | 361.55 | 10447.72 |
| 49 | 2029-05 | 384.97 | 22.64 | 362.33 | 10085.39 |
| 50 | 2029-06 | 384.97 | 21.85 | 363.12 | 9722.27 |
| 51 | 2029-07 | 384.97 | 21.06 | 363.90 | 9358.37 |
| 52 | 2029-08 | 384.97 | 20.28 | 364.69 | 8993.67 |
| 53 | 2029-09 | 384.97 | 19.49 | 365.48 | 8628.19 |
| 54 | 2029-10 | 384.97 | 18.69 | 366.28 | 8261.92 |
| 55 | 2029-11 | 384.97 | 17.90 | 367.07 | 7894.85 |
| 56 | 2029-12 | 384.97 | 17.11 | 367.86 | 7526.98 |
| 57 | 2030-01 | 384.97 | 16.31 | 368.66 | 7158.32 |
| 58 | 2030-02 | 384.97 | 15.51 | 369.46 | 6788.86 |
| 59 | 2030-03 | 384.97 | 14.71 | 370.26 | 6418.60 |
| 60 | 2030-04 | 384.97 | 13.91 | 371.06 | 6047.54 |
| 61 | 2030-05 | 384.97 | 13.10 | 371.87 | 5675.67 |
| 62 | 2030-06 | 384.97 | 12.30 | 372.67 | 5303.00 |
| 63 | 2030-07 | 384.97 | 11.49 | 373.48 | 4929.52 |
| 64 | 2030-08 | 384.97 | 10.68 | 374.29 | 4555.23 |
| 65 | 2030-09 | 384.97 | 9.87 | 375.10 | 4180.13 |
| 66 | 2030-10 | 384.97 | 9.06 | 375.91 | 3804.22 |
| 67 | 2030-11 | 384.97 | 8.24 | 376.73 | 3427.49 |
| 68 | 2030-12 | 384.97 | 7.43 | 377.54 | 3049.95 |
| 69 | 2031-01 | 384.97 | 6.61 | 378.36 | 2671.58 |
| 70 | 2031-02 | 384.97 | 5.79 | 379.18 | 2292.40 |
| 71 | 2031-03 | 384.97 | 4.97 | 380.00 | 1912.40 |
| 72 | 2031-04 | 384.97 | 4.14 | 380.83 | 1531.57 |
| 73 | 2031-05 | 384.97 | 3.32 | 381.65 | 1149.92 |
| 74 | 2031-06 | 384.97 | 2.49 | 382.48 | 767.44 |
| 75 | 2031-07 | 384.97 | 1.66 | 383.31 | 384.14 |
| 76 | 2031-08 | 384.97 | 0.83 | 384.14 | 0.00 |
等额本金还款方式：
贷款总额：2.69万
还款月数：6年4个月
首月还款：412.98元
每月递减：0.77元
利息总额：2247.99元
本息合计：2.92万
节省利息：60.79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 | 412.98 | 58.39 | 354.59 | 26594.33 |
| 2 | 2025-06 | 412.21 | 57.62 | 354.59 | 26239.74 |
| 3 | 2025-07 | 411.44 | 56.85 | 354.59 | 25885.15 |
| 4 | 2025-08 | 410.68 | 56.08 | 354.59 | 25530.56 |
| 5 | 2025-09 | 409.91 | 55.32 | 354.59 | 25175.96 |
| 6 | 2025-10 | 409.14 | 54.55 | 354.59 | 24821.37 |
| 7 | 2025-11 | 408.37 | 53.78 | 354.59 | 24466.78 |
| 8 | 2025-12 | 407.60 | 53.01 | 354.59 | 24112.19 |
| 9 | 2026-01 | 406.83 | 52.24 | 354.59 | 23757.60 |
| 10 | 2026-02 | 406.07 | 51.47 | 354.59 | 23403.01 |
| 11 | 2026-03 | 405.30 | 50.71 | 354.59 | 23048.42 |
| 12 | 2026-04 | 404.53 | 49.94 | 354.59 | 22693.83 |
| 13 | 2026-05 | 403.76 | 49.17 | 354.59 | 22339.24 |
| 14 | 2026-06 | 402.99 | 48.40 | 354.59 | 21984.65 |
| 15 | 2026-07 | 402.22 | 47.63 | 354.59 | 21630.05 |
| 16 | 2026-08 | 401.46 | 46.87 | 354.59 | 21275.46 |
| 17 | 2026-09 | 400.69 | 46.10 | 354.59 | 20920.87 |
| 18 | 2026-10 | 399.92 | 45.33 | 354.59 | 20566.28 |
| 19 | 2026-11 | 399.15 | 44.56 | 354.59 | 20211.69 |
| 20 | 2026-12 | 398.38 | 43.79 | 354.59 | 19857.10 |
| 21 | 2027-01 | 397.61 | 43.02 | 354.59 | 19502.51 |
| 22 | 2027-02 | 396.85 | 42.26 | 354.59 | 19147.92 |
| 23 | 2027-03 | 396.08 | 41.49 | 354.59 | 18793.33 |
| 24 | 2027-04 | 395.31 | 40.72 | 354.59 | 18438.73 |
| 25 | 2027-05 | 394.54 | 39.95 | 354.59 | 18084.14 |
| 26 | 2027-06 | 393.77 | 39.18 | 354.59 | 17729.55 |
| 27 | 2027-07 | 393.01 | 38.41 | 354.59 | 17374.96 |
| 28 | 2027-08 | 392.24 | 37.65 | 354.59 | 17020.37 |
| 29 | 2027-09 | 391.47 | 36.88 | 354.59 | 16665.78 |
| 30 | 2027-10 | 390.70 | 36.11 | 354.59 | 16311.19 |
| 31 | 2027-11 | 389.93 | 35.34 | 354.59 | 15956.60 |
| 32 | 2027-12 | 389.16 | 34.57 | 354.59 | 15602.01 |
| 33 | 2028-01 | 388.40 | 33.80 | 354.59 | 15247.42 |
| 34 | 2028-02 | 387.63 | 33.04 | 354.59 | 14892.82 |
| 35 | 2028-03 | 386.86 | 32.27 | 354.59 | 14538.23 |
| 36 | 2028-04 | 386.09 | 31.50 | 354.59 | 14183.64 |
| 37 | 2028-05 | 385.32 | 30.73 | 354.59 | 13829.05 |
| 38 | 2028-06 | 384.55 | 29.96 | 354.59 | 13474.46 |
| 39 | 2028-07 | 383.79 | 29.19 | 354.59 | 13119.87 |
| 40 | 2028-08 | 383.02 | 28.43 | 354.59 | 12765.28 |
| 41 | 2028-09 | 382.25 | 27.66 | 354.59 | 12410.69 |
| 42 | 2028-10 | 381.48 | 26.89 | 354.59 | 12056.10 |
| 43 | 2028-11 | 380.71 | 26.12 | 354.59 | 11701.50 |
| 44 | 2028-12 | 379.94 | 25.35 | 354.59 | 11346.91 |
| 45 | 2029-01 | 379.18 | 24.58 | 354.59 | 10992.32 |
| 46 | 2029-02 | 378.41 | 23.82 | 354.59 | 10637.73 |
| 47 | 2029-03 | 377.64 | 23.05 | 354.59 | 10283.14 |
| 48 | 2029-04 | 376.87 | 22.28 | 354.59 | 9928.55 |
| 49 | 2029-05 | 376.10 | 21.51 | 354.59 | 9573.96 |
| 50 | 2029-06 | 375.33 | 20.74 | 354.59 | 9219.37 |
| 51 | 2029-07 | 374.57 | 19.98 | 354.59 | 8864.78 |
| 52 | 2029-08 | 373.80 | 19.21 | 354.59 | 8510.19 |
| 53 | 2029-09 | 373.03 | 18.44 | 354.59 | 8155.59 |
| 54 | 2029-10 | 372.26 | 17.67 | 354.59 | 7801.00 |
| 55 | 2029-11 | 371.49 | 16.90 | 354.59 | 7446.41 |
| 56 | 2029-12 | 370.72 | 16.13 | 354.59 | 7091.82 |
| 57 | 2030-01 | 369.96 | 15.37 | 354.59 | 6737.23 |
| 58 | 2030-02 | 369.19 | 14.60 | 354.59 | 6382.64 |
| 59 | 2030-03 | 368.42 | 13.83 | 354.59 | 6028.05 |
| 60 | 2030-04 | 367.65 | 13.06 | 354.59 | 5673.46 |
| 61 | 2030-05 | 366.88 | 12.29 | 354.59 | 5318.87 |
| 62 | 2030-06 | 366.12 | 11.52 | 354.59 | 4964.27 |
| 63 | 2030-07 | 365.35 | 10.76 | 354.59 | 4609.68 |
| 64 | 2030-08 | 364.58 | 9.99 | 354.59 | 4255.09 |
| 65 | 2030-09 | 363.81 | 9.22 | 354.59 | 3900.50 |
| 66 | 2030-10 | 363.04 | 8.45 | 354.59 | 3545.91 |
| 67 | 2030-11 | 362.27 | 7.68 | 354.59 | 3191.32 |
| 68 | 2030-12 | 361.51 | 6.91 | 354.59 | 2836.73 |
| 69 | 2031-01 | 360.74 | 6.15 | 354.59 | 2482.14 |
| 70 | 2031-02 | 359.97 | 5.38 | 354.59 | 2127.55 |
| 71 | 2031-03 | 359.20 | 4.61 | 354.59 | 1772.96 |
| 72 | 2031-04 | 358.43 | 3.84 | 354.59 | 1418.36 |
| 73 | 2031-05 | 357.66 | 3.07 | 354.59 | 1063.77 |
| 74 | 2031-06 | 356.90 | 2.30 | 354.59 | 709.18 |
| 75 | 2031-07 | 356.13 | 1.54 | 354.59 | 354.59 |
| 76 | 2031-08 | 355.36 | 0.77 | 354.59 | 0.00 |