贷款3.58万（公积金贷款）房贷，还款8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：3.58万
还款月数：8年4个月
每月还款：402.32元
利息总额：4458.43元
本息合计：4.02万
| 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 | 402.32 | 84.96 | 317.36 | 35456.64 |
| 2 | 2025-06 | 402.32 | 84.21 | 318.11 | 35138.52 |
| 3 | 2025-07 | 402.32 | 83.45 | 318.87 | 34819.65 |
| 4 | 2025-08 | 402.32 | 82.70 | 319.63 | 34500.03 |
| 5 | 2025-09 | 402.32 | 81.94 | 320.39 | 34179.64 |
| 6 | 2025-10 | 402.32 | 81.18 | 321.15 | 33858.49 |
| 7 | 2025-11 | 402.32 | 80.41 | 321.91 | 33536.58 |
| 8 | 2025-12 | 402.32 | 79.65 | 322.67 | 33213.91 |
| 9 | 2026-01 | 402.32 | 78.88 | 323.44 | 32890.47 |
| 10 | 2026-02 | 402.32 | 78.11 | 324.21 | 32566.26 |
| 11 | 2026-03 | 402.32 | 77.34 | 324.98 | 32241.28 |
| 12 | 2026-04 | 402.32 | 76.57 | 325.75 | 31915.53 |
| 13 | 2026-05 | 402.32 | 75.80 | 326.52 | 31589.00 |
| 14 | 2026-06 | 402.32 | 75.02 | 327.30 | 31261.70 |
| 15 | 2026-07 | 402.32 | 74.25 | 328.08 | 30933.62 |
| 16 | 2026-08 | 402.32 | 73.47 | 328.86 | 30604.77 |
| 17 | 2026-09 | 402.32 | 72.69 | 329.64 | 30275.13 |
| 18 | 2026-10 | 402.32 | 71.90 | 330.42 | 29944.71 |
| 19 | 2026-11 | 402.32 | 71.12 | 331.21 | 29613.50 |
| 20 | 2026-12 | 402.32 | 70.33 | 331.99 | 29281.51 |
| 21 | 2027-01 | 402.32 | 69.54 | 332.78 | 28948.73 |
| 22 | 2027-02 | 402.32 | 68.75 | 333.57 | 28615.16 |
| 23 | 2027-03 | 402.32 | 67.96 | 334.36 | 28280.79 |
| 24 | 2027-04 | 402.32 | 67.17 | 335.16 | 27945.64 |
| 25 | 2027-05 | 402.32 | 66.37 | 335.95 | 27609.68 |
| 26 | 2027-06 | 402.32 | 65.57 | 336.75 | 27272.93 |
| 27 | 2027-07 | 402.32 | 64.77 | 337.55 | 26935.38 |
| 28 | 2027-08 | 402.32 | 63.97 | 338.35 | 26597.03 |
| 29 | 2027-09 | 402.32 | 63.17 | 339.16 | 26257.87 |
| 30 | 2027-10 | 402.32 | 62.36 | 339.96 | 25917.91 |
| 31 | 2027-11 | 402.32 | 61.56 | 340.77 | 25577.14 |
| 32 | 2027-12 | 402.32 | 60.75 | 341.58 | 25235.56 |
| 33 | 2028-01 | 402.32 | 59.93 | 342.39 | 24893.17 |
| 34 | 2028-02 | 402.32 | 59.12 | 343.20 | 24549.97 |
| 35 | 2028-03 | 402.32 | 58.31 | 344.02 | 24205.95 |
| 36 | 2028-04 | 402.32 | 57.49 | 344.84 | 23861.12 |
| 37 | 2028-05 | 402.32 | 56.67 | 345.65 | 23515.46 |
| 38 | 2028-06 | 402.32 | 55.85 | 346.48 | 23168.99 |
| 39 | 2028-07 | 402.32 | 55.03 | 347.30 | 22821.69 |
| 40 | 2028-08 | 402.32 | 54.20 | 348.12 | 22473.57 |
| 41 | 2028-09 | 402.32 | 53.37 | 348.95 | 22124.62 |
| 42 | 2028-10 | 402.32 | 52.55 | 349.78 | 21774.84 |
| 43 | 2028-11 | 402.32 | 51.72 | 350.61 | 21424.23 |
| 44 | 2028-12 | 402.32 | 50.88 | 351.44 | 21072.79 |
| 45 | 2029-01 | 402.32 | 50.05 | 352.28 | 20720.51 |
| 46 | 2029-02 | 402.32 | 49.21 | 353.11 | 20367.40 |
| 47 | 2029-03 | 402.32 | 48.37 | 353.95 | 20013.45 |
| 48 | 2029-04 | 402.32 | 47.53 | 354.79 | 19658.65 |
| 49 | 2029-05 | 402.32 | 46.69 | 355.63 | 19303.02 |
| 50 | 2029-06 | 402.32 | 45.84 | 356.48 | 18946.54 |
| 51 | 2029-07 | 402.32 | 45.00 | 357.33 | 18589.21 |
| 52 | 2029-08 | 402.32 | 44.15 | 358.17 | 18231.04 |
| 53 | 2029-09 | 402.32 | 43.30 | 359.03 | 17872.01 |
| 54 | 2029-10 | 402.32 | 42.45 | 359.88 | 17512.13 |
| 55 | 2029-11 | 402.32 | 41.59 | 360.73 | 17151.40 |
| 56 | 2029-12 | 402.32 | 40.73 | 361.59 | 16789.81 |
| 57 | 2030-01 | 402.32 | 39.88 | 362.45 | 16427.36 |
| 58 | 2030-02 | 402.32 | 39.01 | 363.31 | 16064.05 |
| 59 | 2030-03 | 402.32 | 38.15 | 364.17 | 15699.88 |
| 60 | 2030-04 | 402.32 | 37.29 | 365.04 | 15334.85 |
| 61 | 2030-05 | 402.32 | 36.42 | 365.90 | 14968.94 |
| 62 | 2030-06 | 402.32 | 35.55 | 366.77 | 14602.17 |
| 63 | 2030-07 | 402.32 | 34.68 | 367.64 | 14234.52 |
| 64 | 2030-08 | 402.32 | 33.81 | 368.52 | 13866.01 |
| 65 | 2030-09 | 402.32 | 32.93 | 369.39 | 13496.61 |
| 66 | 2030-10 | 402.32 | 32.05 | 370.27 | 13126.34 |
| 67 | 2030-11 | 402.32 | 31.18 | 371.15 | 12755.20 |
| 68 | 2030-12 | 402.32 | 30.29 | 372.03 | 12383.16 |
| 69 | 2031-01 | 402.32 | 29.41 | 372.91 | 12010.25 |
| 70 | 2031-02 | 402.32 | 28.52 | 373.80 | 11636.45 |
| 71 | 2031-03 | 402.32 | 27.64 | 374.69 | 11261.76 |
| 72 | 2031-04 | 402.32 | 26.75 | 375.58 | 10886.18 |
| 73 | 2031-05 | 402.32 | 25.85 | 376.47 | 10509.72 |
| 74 | 2031-06 | 402.32 | 24.96 | 377.36 | 10132.35 |
| 75 | 2031-07 | 402.32 | 24.06 | 378.26 | 9754.09 |
| 76 | 2031-08 | 402.32 | 23.17 | 379.16 | 9374.93 |
| 77 | 2031-09 | 402.32 | 22.27 | 380.06 | 8994.87 |
| 78 | 2031-10 | 402.32 | 21.36 | 380.96 | 8613.91 |
| 79 | 2031-11 | 402.32 | 20.46 | 381.87 | 8232.05 |
| 80 | 2031-12 | 402.32 | 19.55 | 382.77 | 7849.27 |
| 81 | 2032-01 | 402.32 | 18.64 | 383.68 | 7465.59 |
| 82 | 2032-02 | 402.32 | 17.73 | 384.59 | 7081.00 |
| 83 | 2032-03 | 402.32 | 16.82 | 385.51 | 6695.49 |
| 84 | 2032-04 | 402.32 | 15.90 | 386.42 | 6309.07 |
| 85 | 2032-05 | 402.32 | 14.98 | 387.34 | 5921.73 |
| 86 | 2032-06 | 402.32 | 14.06 | 388.26 | 5533.47 |
| 87 | 2032-07 | 402.32 | 13.14 | 389.18 | 5144.29 |
| 88 | 2032-08 | 402.32 | 12.22 | 390.11 | 4754.18 |
| 89 | 2032-09 | 402.32 | 11.29 | 391.03 | 4363.15 |
| 90 | 2032-10 | 402.32 | 10.36 | 391.96 | 3971.18 |
| 91 | 2032-11 | 402.32 | 9.43 | 392.89 | 3578.29 |
| 92 | 2032-12 | 402.32 | 8.50 | 393.83 | 3184.47 |
| 93 | 2033-01 | 402.32 | 7.56 | 394.76 | 2789.70 |
| 94 | 2033-02 | 402.32 | 6.63 | 395.70 | 2394.01 |
| 95 | 2033-03 | 402.32 | 5.69 | 396.64 | 1997.37 |
| 96 | 2033-04 | 402.32 | 4.74 | 397.58 | 1599.79 |
| 97 | 2033-05 | 402.32 | 3.80 | 398.52 | 1201.26 |
| 98 | 2033-06 | 402.32 | 2.85 | 399.47 | 801.79 |
| 99 | 2033-07 | 402.32 | 1.90 | 400.42 | 401.37 |
| 100 | 2033-08 | 402.32 | 0.95 | 401.37 | 0.00 |
等额本金还款方式：
贷款总额：3.58万
还款月数：8年4个月
首月还款：442.7元
每月递减：0.85元
利息总额：4290.64元
本息合计：4.01万
节省利息：167.78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 | 442.70 | 84.96 | 357.74 | 35416.26 |
| 2 | 2025-06 | 441.85 | 84.11 | 357.74 | 35058.52 |
| 3 | 2025-07 | 441.00 | 83.26 | 357.74 | 34700.78 |
| 4 | 2025-08 | 440.15 | 82.41 | 357.74 | 34343.04 |
| 5 | 2025-09 | 439.30 | 81.56 | 357.74 | 33985.30 |
| 6 | 2025-10 | 438.46 | 80.72 | 357.74 | 33627.56 |
| 7 | 2025-11 | 437.61 | 79.87 | 357.74 | 33269.82 |
| 8 | 2025-12 | 436.76 | 79.02 | 357.74 | 32912.08 |
| 9 | 2026-01 | 435.91 | 78.17 | 357.74 | 32554.34 |
| 10 | 2026-02 | 435.06 | 77.32 | 357.74 | 32196.60 |
| 11 | 2026-03 | 434.21 | 76.47 | 357.74 | 31838.86 |
| 12 | 2026-04 | 433.36 | 75.62 | 357.74 | 31481.12 |
| 13 | 2026-05 | 432.51 | 74.77 | 357.74 | 31123.38 |
| 14 | 2026-06 | 431.66 | 73.92 | 357.74 | 30765.64 |
| 15 | 2026-07 | 430.81 | 73.07 | 357.74 | 30407.90 |
| 16 | 2026-08 | 429.96 | 72.22 | 357.74 | 30050.16 |
| 17 | 2026-09 | 429.11 | 71.37 | 357.74 | 29692.42 |
| 18 | 2026-10 | 428.26 | 70.52 | 357.74 | 29334.68 |
| 19 | 2026-11 | 427.41 | 69.67 | 357.74 | 28976.94 |
| 20 | 2026-12 | 426.56 | 68.82 | 357.74 | 28619.20 |
| 21 | 2027-01 | 425.71 | 67.97 | 357.74 | 28261.46 |
| 22 | 2027-02 | 424.86 | 67.12 | 357.74 | 27903.72 |
| 23 | 2027-03 | 424.01 | 66.27 | 357.74 | 27545.98 |
| 24 | 2027-04 | 423.16 | 65.42 | 357.74 | 27188.24 |
| 25 | 2027-05 | 422.31 | 64.57 | 357.74 | 26830.50 |
| 26 | 2027-06 | 421.46 | 63.72 | 357.74 | 26472.76 |
| 27 | 2027-07 | 420.61 | 62.87 | 357.74 | 26115.02 |
| 28 | 2027-08 | 419.76 | 62.02 | 357.74 | 25757.28 |
| 29 | 2027-09 | 418.91 | 61.17 | 357.74 | 25399.54 |
| 30 | 2027-10 | 418.06 | 60.32 | 357.74 | 25041.80 |
| 31 | 2027-11 | 417.21 | 59.47 | 357.74 | 24684.06 |
| 32 | 2027-12 | 416.36 | 58.62 | 357.74 | 24326.32 |
| 33 | 2028-01 | 415.52 | 57.78 | 357.74 | 23968.58 |
| 34 | 2028-02 | 414.67 | 56.93 | 357.74 | 23610.84 |
| 35 | 2028-03 | 413.82 | 56.08 | 357.74 | 23253.10 |
| 36 | 2028-04 | 412.97 | 55.23 | 357.74 | 22895.36 |
| 37 | 2028-05 | 412.12 | 54.38 | 357.74 | 22537.62 |
| 38 | 2028-06 | 411.27 | 53.53 | 357.74 | 22179.88 |
| 39 | 2028-07 | 410.42 | 52.68 | 357.74 | 21822.14 |
| 40 | 2028-08 | 409.57 | 51.83 | 357.74 | 21464.40 |
| 41 | 2028-09 | 408.72 | 50.98 | 357.74 | 21106.66 |
| 42 | 2028-10 | 407.87 | 50.13 | 357.74 | 20748.92 |
| 43 | 2028-11 | 407.02 | 49.28 | 357.74 | 20391.18 |
| 44 | 2028-12 | 406.17 | 48.43 | 357.74 | 20033.44 |
| 45 | 2029-01 | 405.32 | 47.58 | 357.74 | 19675.70 |
| 46 | 2029-02 | 404.47 | 46.73 | 357.74 | 19317.96 |
| 47 | 2029-03 | 403.62 | 45.88 | 357.74 | 18960.22 |
| 48 | 2029-04 | 402.77 | 45.03 | 357.74 | 18602.48 |
| 49 | 2029-05 | 401.92 | 44.18 | 357.74 | 18244.74 |
| 50 | 2029-06 | 401.07 | 43.33 | 357.74 | 17887.00 |
| 51 | 2029-07 | 400.22 | 42.48 | 357.74 | 17529.26 |
| 52 | 2029-08 | 399.37 | 41.63 | 357.74 | 17171.52 |
| 53 | 2029-09 | 398.52 | 40.78 | 357.74 | 16813.78 |
| 54 | 2029-10 | 397.67 | 39.93 | 357.74 | 16456.04 |
| 55 | 2029-11 | 396.82 | 39.08 | 357.74 | 16098.30 |
| 56 | 2029-12 | 395.97 | 38.23 | 357.74 | 15740.56 |
| 57 | 2030-01 | 395.12 | 37.38 | 357.74 | 15382.82 |
| 58 | 2030-02 | 394.27 | 36.53 | 357.74 | 15025.08 |
| 59 | 2030-03 | 393.42 | 35.68 | 357.74 | 14667.34 |
| 60 | 2030-04 | 392.57 | 34.83 | 357.74 | 14309.60 |
| 61 | 2030-05 | 391.73 | 33.99 | 357.74 | 13951.86 |
| 62 | 2030-06 | 390.88 | 33.14 | 357.74 | 13594.12 |
| 63 | 2030-07 | 390.03 | 32.29 | 357.74 | 13236.38 |
| 64 | 2030-08 | 389.18 | 31.44 | 357.74 | 12878.64 |
| 65 | 2030-09 | 388.33 | 30.59 | 357.74 | 12520.90 |
| 66 | 2030-10 | 387.48 | 29.74 | 357.74 | 12163.16 |
| 67 | 2030-11 | 386.63 | 28.89 | 357.74 | 11805.42 |
| 68 | 2030-12 | 385.78 | 28.04 | 357.74 | 11447.68 |
| 69 | 2031-01 | 384.93 | 27.19 | 357.74 | 11089.94 |
| 70 | 2031-02 | 384.08 | 26.34 | 357.74 | 10732.20 |
| 71 | 2031-03 | 383.23 | 25.49 | 357.74 | 10374.46 |
| 72 | 2031-04 | 382.38 | 24.64 | 357.74 | 10016.72 |
| 73 | 2031-05 | 381.53 | 23.79 | 357.74 | 9658.98 |
| 74 | 2031-06 | 380.68 | 22.94 | 357.74 | 9301.24 |
| 75 | 2031-07 | 379.83 | 22.09 | 357.74 | 8943.50 |
| 76 | 2031-08 | 378.98 | 21.24 | 357.74 | 8585.76 |
| 77 | 2031-09 | 378.13 | 20.39 | 357.74 | 8228.02 |
| 78 | 2031-10 | 377.28 | 19.54 | 357.74 | 7870.28 |
| 79 | 2031-11 | 376.43 | 18.69 | 357.74 | 7512.54 |
| 80 | 2031-12 | 375.58 | 17.84 | 357.74 | 7154.80 |
| 81 | 2032-01 | 374.73 | 16.99 | 357.74 | 6797.06 |
| 82 | 2032-02 | 373.88 | 16.14 | 357.74 | 6439.32 |
| 83 | 2032-03 | 373.03 | 15.29 | 357.74 | 6081.58 |
| 84 | 2032-04 | 372.18 | 14.44 | 357.74 | 5723.84 |
| 85 | 2032-05 | 371.33 | 13.59 | 357.74 | 5366.10 |
| 86 | 2032-06 | 370.48 | 12.74 | 357.74 | 5008.36 |
| 87 | 2032-07 | 369.63 | 11.89 | 357.74 | 4650.62 |
| 88 | 2032-08 | 368.79 | 11.05 | 357.74 | 4292.88 |
| 89 | 2032-09 | 367.94 | 10.20 | 357.74 | 3935.14 |
| 90 | 2032-10 | 367.09 | 9.35 | 357.74 | 3577.40 |
| 91 | 2032-11 | 366.24 | 8.50 | 357.74 | 3219.66 |
| 92 | 2032-12 | 365.39 | 7.65 | 357.74 | 2861.92 |
| 93 | 2033-01 | 364.54 | 6.80 | 357.74 | 2504.18 |
| 94 | 2033-02 | 363.69 | 5.95 | 357.74 | 2146.44 |
| 95 | 2033-03 | 362.84 | 5.10 | 357.74 | 1788.70 |
| 96 | 2033-04 | 361.99 | 4.25 | 357.74 | 1430.96 |
| 97 | 2033-05 | 361.14 | 3.40 | 357.74 | 1073.22 |
| 98 | 2033-06 | 360.29 | 2.55 | 357.74 | 715.48 |
| 99 | 2033-07 | 359.44 | 1.70 | 357.74 | 357.74 |
| 100 | 2033-08 | 358.59 | 0.85 | 357.74 | 0.00 |