贷款2.08万（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：2.08万
还款月数：7年4个月
每月还款：260.02元
利息总额：2069.56元
本息合计：2.29万
| 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 | 260.02 | 45.09 | 214.93 | 20597.07 |
| 2 | 2025-06 | 260.02 | 44.63 | 215.39 | 20381.68 |
| 3 | 2025-07 | 260.02 | 44.16 | 215.86 | 20165.83 |
| 4 | 2025-08 | 260.02 | 43.69 | 216.33 | 19949.50 |
| 5 | 2025-09 | 260.02 | 43.22 | 216.79 | 19732.71 |
| 6 | 2025-10 | 260.02 | 42.75 | 217.26 | 19515.44 |
| 7 | 2025-11 | 260.02 | 42.28 | 217.73 | 19297.71 |
| 8 | 2025-12 | 260.02 | 41.81 | 218.21 | 19079.50 |
| 9 | 2026-01 | 260.02 | 41.34 | 218.68 | 18860.83 |
| 10 | 2026-02 | 260.02 | 40.87 | 219.15 | 18641.67 |
| 11 | 2026-03 | 260.02 | 40.39 | 219.63 | 18422.05 |
| 12 | 2026-04 | 260.02 | 39.91 | 220.10 | 18201.94 |
| 13 | 2026-05 | 260.02 | 39.44 | 220.58 | 17981.36 |
| 14 | 2026-06 | 260.02 | 38.96 | 221.06 | 17760.30 |
| 15 | 2026-07 | 260.02 | 38.48 | 221.54 | 17538.77 |
| 16 | 2026-08 | 260.02 | 38.00 | 222.02 | 17316.75 |
| 17 | 2026-09 | 260.02 | 37.52 | 222.50 | 17094.25 |
| 18 | 2026-10 | 260.02 | 37.04 | 222.98 | 16871.27 |
| 19 | 2026-11 | 260.02 | 36.55 | 223.46 | 16647.81 |
| 20 | 2026-12 | 260.02 | 36.07 | 223.95 | 16423.86 |
| 21 | 2027-01 | 260.02 | 35.59 | 224.43 | 16199.43 |
| 22 | 2027-02 | 260.02 | 35.10 | 224.92 | 15974.51 |
| 23 | 2027-03 | 260.02 | 34.61 | 225.41 | 15749.10 |
| 24 | 2027-04 | 260.02 | 34.12 | 225.89 | 15523.21 |
| 25 | 2027-05 | 260.02 | 33.63 | 226.38 | 15296.82 |
| 26 | 2027-06 | 260.02 | 33.14 | 226.87 | 15069.95 |
| 27 | 2027-07 | 260.02 | 32.65 | 227.37 | 14842.58 |
| 28 | 2027-08 | 260.02 | 32.16 | 227.86 | 14614.72 |
| 29 | 2027-09 | 260.02 | 31.67 | 228.35 | 14386.37 |
| 30 | 2027-10 | 260.02 | 31.17 | 228.85 | 14157.52 |
| 31 | 2027-11 | 260.02 | 30.67 | 229.34 | 13928.18 |
| 32 | 2027-12 | 260.02 | 30.18 | 229.84 | 13698.34 |
| 33 | 2028-01 | 260.02 | 29.68 | 230.34 | 13468.00 |
| 34 | 2028-02 | 260.02 | 29.18 | 230.84 | 13237.17 |
| 35 | 2028-03 | 260.02 | 28.68 | 231.34 | 13005.83 |
| 36 | 2028-04 | 260.02 | 28.18 | 231.84 | 12773.99 |
| 37 | 2028-05 | 260.02 | 27.68 | 232.34 | 12541.65 |
| 38 | 2028-06 | 260.02 | 27.17 | 232.84 | 12308.81 |
| 39 | 2028-07 | 260.02 | 26.67 | 233.35 | 12075.46 |
| 40 | 2028-08 | 260.02 | 26.16 | 233.85 | 11841.60 |
| 41 | 2028-09 | 260.02 | 25.66 | 234.36 | 11607.24 |
| 42 | 2028-10 | 260.02 | 25.15 | 234.87 | 11372.37 |
| 43 | 2028-11 | 260.02 | 24.64 | 235.38 | 11137.00 |
| 44 | 2028-12 | 260.02 | 24.13 | 235.89 | 10901.11 |
| 45 | 2029-01 | 260.02 | 23.62 | 236.40 | 10664.71 |
| 46 | 2029-02 | 260.02 | 23.11 | 236.91 | 10427.80 |
| 47 | 2029-03 | 260.02 | 22.59 | 237.42 | 10190.38 |
| 48 | 2029-04 | 260.02 | 22.08 | 237.94 | 9952.44 |
| 49 | 2029-05 | 260.02 | 21.56 | 238.45 | 9713.98 |
| 50 | 2029-06 | 260.02 | 21.05 | 238.97 | 9475.01 |
| 51 | 2029-07 | 260.02 | 20.53 | 239.49 | 9235.52 |
| 52 | 2029-08 | 260.02 | 20.01 | 240.01 | 8995.52 |
| 53 | 2029-09 | 260.02 | 19.49 | 240.53 | 8754.99 |
| 54 | 2029-10 | 260.02 | 18.97 | 241.05 | 8513.94 |
| 55 | 2029-11 | 260.02 | 18.45 | 241.57 | 8272.37 |
| 56 | 2029-12 | 260.02 | 17.92 | 242.09 | 8030.27 |
| 57 | 2030-01 | 260.02 | 17.40 | 242.62 | 7787.66 |
| 58 | 2030-02 | 260.02 | 16.87 | 243.14 | 7544.51 |
| 59 | 2030-03 | 260.02 | 16.35 | 243.67 | 7300.84 |
| 60 | 2030-04 | 260.02 | 15.82 | 244.20 | 7056.64 |
| 61 | 2030-05 | 260.02 | 15.29 | 244.73 | 6811.91 |
| 62 | 2030-06 | 260.02 | 14.76 | 245.26 | 6566.65 |
| 63 | 2030-07 | 260.02 | 14.23 | 245.79 | 6320.86 |
| 64 | 2030-08 | 260.02 | 13.70 | 246.32 | 6074.54 |
| 65 | 2030-09 | 260.02 | 13.16 | 246.86 | 5827.69 |
| 66 | 2030-10 | 260.02 | 12.63 | 247.39 | 5580.29 |
| 67 | 2030-11 | 260.02 | 12.09 | 247.93 | 5332.37 |
| 68 | 2030-12 | 260.02 | 11.55 | 248.46 | 5083.90 |
| 69 | 2031-01 | 260.02 | 11.02 | 249.00 | 4834.90 |
| 70 | 2031-02 | 260.02 | 10.48 | 249.54 | 4585.36 |
| 71 | 2031-03 | 260.02 | 9.93 | 250.08 | 4335.28 |
| 72 | 2031-04 | 260.02 | 9.39 | 250.62 | 4084.65 |
| 73 | 2031-05 | 260.02 | 8.85 | 251.17 | 3833.48 |
| 74 | 2031-06 | 260.02 | 8.31 | 251.71 | 3581.77 |
| 75 | 2031-07 | 260.02 | 7.76 | 252.26 | 3329.51 |
| 76 | 2031-08 | 260.02 | 7.21 | 252.80 | 3076.71 |
| 77 | 2031-09 | 260.02 | 6.67 | 253.35 | 2823.36 |
| 78 | 2031-10 | 260.02 | 6.12 | 253.90 | 2569.46 |
| 79 | 2031-11 | 260.02 | 5.57 | 254.45 | 2315.01 |
| 80 | 2031-12 | 260.02 | 5.02 | 255.00 | 2060.01 |
| 81 | 2032-01 | 260.02 | 4.46 | 255.55 | 1804.45 |
| 82 | 2032-02 | 260.02 | 3.91 | 256.11 | 1548.34 |
| 83 | 2032-03 | 260.02 | 3.35 | 256.66 | 1291.68 |
| 84 | 2032-04 | 260.02 | 2.80 | 257.22 | 1034.46 |
| 85 | 2032-05 | 260.02 | 2.24 | 257.78 | 776.69 |
| 86 | 2032-06 | 260.02 | 1.68 | 258.33 | 518.35 |
| 87 | 2032-07 | 260.02 | 1.12 | 258.89 | 259.46 |
| 88 | 2032-08 | 260.02 | 0.56 | 259.46 | 0.00 |
等额本金还款方式：
贷款总额：2.08万
还款月数：7年4个月
首月还款：281.59元
每月递减：0.51元
利息总额：2006.62元
本息合计：2.28万
节省利息：62.94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 | 281.59 | 45.09 | 236.50 | 20575.50 |
| 2 | 2025-06 | 281.08 | 44.58 | 236.50 | 20339.00 |
| 3 | 2025-07 | 280.57 | 44.07 | 236.50 | 20102.50 |
| 4 | 2025-08 | 280.06 | 43.56 | 236.50 | 19866.00 |
| 5 | 2025-09 | 279.54 | 43.04 | 236.50 | 19629.50 |
| 6 | 2025-10 | 279.03 | 42.53 | 236.50 | 19393.00 |
| 7 | 2025-11 | 278.52 | 42.02 | 236.50 | 19156.50 |
| 8 | 2025-12 | 278.01 | 41.51 | 236.50 | 18920.00 |
| 9 | 2026-01 | 277.49 | 40.99 | 236.50 | 18683.50 |
| 10 | 2026-02 | 276.98 | 40.48 | 236.50 | 18447.00 |
| 11 | 2026-03 | 276.47 | 39.97 | 236.50 | 18210.50 |
| 12 | 2026-04 | 275.96 | 39.46 | 236.50 | 17974.00 |
| 13 | 2026-05 | 275.44 | 38.94 | 236.50 | 17737.50 |
| 14 | 2026-06 | 274.93 | 38.43 | 236.50 | 17501.00 |
| 15 | 2026-07 | 274.42 | 37.92 | 236.50 | 17264.50 |
| 16 | 2026-08 | 273.91 | 37.41 | 236.50 | 17028.00 |
| 17 | 2026-09 | 273.39 | 36.89 | 236.50 | 16791.50 |
| 18 | 2026-10 | 272.88 | 36.38 | 236.50 | 16555.00 |
| 19 | 2026-11 | 272.37 | 35.87 | 236.50 | 16318.50 |
| 20 | 2026-12 | 271.86 | 35.36 | 236.50 | 16082.00 |
| 21 | 2027-01 | 271.34 | 34.84 | 236.50 | 15845.50 |
| 22 | 2027-02 | 270.83 | 34.33 | 236.50 | 15609.00 |
| 23 | 2027-03 | 270.32 | 33.82 | 236.50 | 15372.50 |
| 24 | 2027-04 | 269.81 | 33.31 | 236.50 | 15136.00 |
| 25 | 2027-05 | 269.29 | 32.79 | 236.50 | 14899.50 |
| 26 | 2027-06 | 268.78 | 32.28 | 236.50 | 14663.00 |
| 27 | 2027-07 | 268.27 | 31.77 | 236.50 | 14426.50 |
| 28 | 2027-08 | 267.76 | 31.26 | 236.50 | 14190.00 |
| 29 | 2027-09 | 267.25 | 30.75 | 236.50 | 13953.50 |
| 30 | 2027-10 | 266.73 | 30.23 | 236.50 | 13717.00 |
| 31 | 2027-11 | 266.22 | 29.72 | 236.50 | 13480.50 |
| 32 | 2027-12 | 265.71 | 29.21 | 236.50 | 13244.00 |
| 33 | 2028-01 | 265.20 | 28.70 | 236.50 | 13007.50 |
| 34 | 2028-02 | 264.68 | 28.18 | 236.50 | 12771.00 |
| 35 | 2028-03 | 264.17 | 27.67 | 236.50 | 12534.50 |
| 36 | 2028-04 | 263.66 | 27.16 | 236.50 | 12298.00 |
| 37 | 2028-05 | 263.15 | 26.65 | 236.50 | 12061.50 |
| 38 | 2028-06 | 262.63 | 26.13 | 236.50 | 11825.00 |
| 39 | 2028-07 | 262.12 | 25.62 | 236.50 | 11588.50 |
| 40 | 2028-08 | 261.61 | 25.11 | 236.50 | 11352.00 |
| 41 | 2028-09 | 261.10 | 24.60 | 236.50 | 11115.50 |
| 42 | 2028-10 | 260.58 | 24.08 | 236.50 | 10879.00 |
| 43 | 2028-11 | 260.07 | 23.57 | 236.50 | 10642.50 |
| 44 | 2028-12 | 259.56 | 23.06 | 236.50 | 10406.00 |
| 45 | 2029-01 | 259.05 | 22.55 | 236.50 | 10169.50 |
| 46 | 2029-02 | 258.53 | 22.03 | 236.50 | 9933.00 |
| 47 | 2029-03 | 258.02 | 21.52 | 236.50 | 9696.50 |
| 48 | 2029-04 | 257.51 | 21.01 | 236.50 | 9460.00 |
| 49 | 2029-05 | 257.00 | 20.50 | 236.50 | 9223.50 |
| 50 | 2029-06 | 256.48 | 19.98 | 236.50 | 8987.00 |
| 51 | 2029-07 | 255.97 | 19.47 | 236.50 | 8750.50 |
| 52 | 2029-08 | 255.46 | 18.96 | 236.50 | 8514.00 |
| 53 | 2029-09 | 254.95 | 18.45 | 236.50 | 8277.50 |
| 54 | 2029-10 | 254.43 | 17.93 | 236.50 | 8041.00 |
| 55 | 2029-11 | 253.92 | 17.42 | 236.50 | 7804.50 |
| 56 | 2029-12 | 253.41 | 16.91 | 236.50 | 7568.00 |
| 57 | 2030-01 | 252.90 | 16.40 | 236.50 | 7331.50 |
| 58 | 2030-02 | 252.38 | 15.88 | 236.50 | 7095.00 |
| 59 | 2030-03 | 251.87 | 15.37 | 236.50 | 6858.50 |
| 60 | 2030-04 | 251.36 | 14.86 | 236.50 | 6622.00 |
| 61 | 2030-05 | 250.85 | 14.35 | 236.50 | 6385.50 |
| 62 | 2030-06 | 250.34 | 13.84 | 236.50 | 6149.00 |
| 63 | 2030-07 | 249.82 | 13.32 | 236.50 | 5912.50 |
| 64 | 2030-08 | 249.31 | 12.81 | 236.50 | 5676.00 |
| 65 | 2030-09 | 248.80 | 12.30 | 236.50 | 5439.50 |
| 66 | 2030-10 | 248.29 | 11.79 | 236.50 | 5203.00 |
| 67 | 2030-11 | 247.77 | 11.27 | 236.50 | 4966.50 |
| 68 | 2030-12 | 247.26 | 10.76 | 236.50 | 4730.00 |
| 69 | 2031-01 | 246.75 | 10.25 | 236.50 | 4493.50 |
| 70 | 2031-02 | 246.24 | 9.74 | 236.50 | 4257.00 |
| 71 | 2031-03 | 245.72 | 9.22 | 236.50 | 4020.50 |
| 72 | 2031-04 | 245.21 | 8.71 | 236.50 | 3784.00 |
| 73 | 2031-05 | 244.70 | 8.20 | 236.50 | 3547.50 |
| 74 | 2031-06 | 244.19 | 7.69 | 236.50 | 3311.00 |
| 75 | 2031-07 | 243.67 | 7.17 | 236.50 | 3074.50 |
| 76 | 2031-08 | 243.16 | 6.66 | 236.50 | 2838.00 |
| 77 | 2031-09 | 242.65 | 6.15 | 236.50 | 2601.50 |
| 78 | 2031-10 | 242.14 | 5.64 | 236.50 | 2365.00 |
| 79 | 2031-11 | 241.62 | 5.12 | 236.50 | 2128.50 |
| 80 | 2031-12 | 241.11 | 4.61 | 236.50 | 1892.00 |
| 81 | 2032-01 | 240.60 | 4.10 | 236.50 | 1655.50 |
| 82 | 2032-02 | 240.09 | 3.59 | 236.50 | 1419.00 |
| 83 | 2032-03 | 239.57 | 3.07 | 236.50 | 1182.50 |
| 84 | 2032-04 | 239.06 | 2.56 | 236.50 | 946.00 |
| 85 | 2032-05 | 238.55 | 2.05 | 236.50 | 709.50 |
| 86 | 2032-06 | 238.04 | 1.54 | 236.50 | 473.00 |
| 87 | 2032-07 | 237.52 | 1.02 | 236.50 | 236.50 |
| 88 | 2032-08 | 237.01 | 0.51 | 236.50 | 0.00 |