贷款1.6万（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：1.6万
还款月数：8年4个月
每月还款：179.94元
利息总额：1994.04元
本息合计：1.8万
| 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 | 179.94 | 38.00 | 141.94 | 15858.06 |
| 2 | 2025-06 | 179.94 | 37.66 | 142.28 | 15715.78 |
| 3 | 2025-07 | 179.94 | 37.32 | 142.62 | 15573.17 |
| 4 | 2025-08 | 179.94 | 36.99 | 142.95 | 15430.21 |
| 5 | 2025-09 | 179.94 | 36.65 | 143.29 | 15286.92 |
| 6 | 2025-10 | 179.94 | 36.31 | 143.63 | 15143.28 |
| 7 | 2025-11 | 179.94 | 35.97 | 143.98 | 14999.31 |
| 8 | 2025-12 | 179.94 | 35.62 | 144.32 | 14854.99 |
| 9 | 2026-01 | 179.94 | 35.28 | 144.66 | 14710.33 |
| 10 | 2026-02 | 179.94 | 34.94 | 145.00 | 14565.33 |
| 11 | 2026-03 | 179.94 | 34.59 | 145.35 | 14419.98 |
| 12 | 2026-04 | 179.94 | 34.25 | 145.69 | 14274.29 |
| 13 | 2026-05 | 179.94 | 33.90 | 146.04 | 14128.25 |
| 14 | 2026-06 | 179.94 | 33.55 | 146.39 | 13981.86 |
| 15 | 2026-07 | 179.94 | 33.21 | 146.73 | 13835.13 |
| 16 | 2026-08 | 179.94 | 32.86 | 147.08 | 13688.05 |
| 17 | 2026-09 | 179.94 | 32.51 | 147.43 | 13540.62 |
| 18 | 2026-10 | 179.94 | 32.16 | 147.78 | 13392.84 |
| 19 | 2026-11 | 179.94 | 31.81 | 148.13 | 13244.70 |
| 20 | 2026-12 | 179.94 | 31.46 | 148.48 | 13096.22 |
| 21 | 2027-01 | 179.94 | 31.10 | 148.84 | 12947.38 |
| 22 | 2027-02 | 179.94 | 30.75 | 149.19 | 12798.19 |
| 23 | 2027-03 | 179.94 | 30.40 | 149.54 | 12648.65 |
| 24 | 2027-04 | 179.94 | 30.04 | 149.90 | 12498.75 |
| 25 | 2027-05 | 179.94 | 29.68 | 150.26 | 12348.49 |
| 26 | 2027-06 | 179.94 | 29.33 | 150.61 | 12197.88 |
| 27 | 2027-07 | 179.94 | 28.97 | 150.97 | 12046.91 |
| 28 | 2027-08 | 179.94 | 28.61 | 151.33 | 11895.58 |
| 29 | 2027-09 | 179.94 | 28.25 | 151.69 | 11743.89 |
| 30 | 2027-10 | 179.94 | 27.89 | 152.05 | 11591.84 |
| 31 | 2027-11 | 179.94 | 27.53 | 152.41 | 11439.43 |
| 32 | 2027-12 | 179.94 | 27.17 | 152.77 | 11286.66 |
| 33 | 2028-01 | 179.94 | 26.81 | 153.13 | 11133.53 |
| 34 | 2028-02 | 179.94 | 26.44 | 153.50 | 10980.03 |
| 35 | 2028-03 | 179.94 | 26.08 | 153.86 | 10826.16 |
| 36 | 2028-04 | 179.94 | 25.71 | 154.23 | 10671.94 |
| 37 | 2028-05 | 179.94 | 25.35 | 154.59 | 10517.34 |
| 38 | 2028-06 | 179.94 | 24.98 | 154.96 | 10362.38 |
| 39 | 2028-07 | 179.94 | 24.61 | 155.33 | 10207.05 |
| 40 | 2028-08 | 179.94 | 24.24 | 155.70 | 10051.35 |
| 41 | 2028-09 | 179.94 | 23.87 | 156.07 | 9895.28 |
| 42 | 2028-10 | 179.94 | 23.50 | 156.44 | 9738.84 |
| 43 | 2028-11 | 179.94 | 23.13 | 156.81 | 9582.03 |
| 44 | 2028-12 | 179.94 | 22.76 | 157.18 | 9424.85 |
| 45 | 2029-01 | 179.94 | 22.38 | 157.56 | 9267.29 |
| 46 | 2029-02 | 179.94 | 22.01 | 157.93 | 9109.36 |
| 47 | 2029-03 | 179.94 | 21.63 | 158.31 | 8951.06 |
| 48 | 2029-04 | 179.94 | 21.26 | 158.68 | 8792.38 |
| 49 | 2029-05 | 179.94 | 20.88 | 159.06 | 8633.32 |
| 50 | 2029-06 | 179.94 | 20.50 | 159.44 | 8473.88 |
| 51 | 2029-07 | 179.94 | 20.13 | 159.81 | 8314.07 |
| 52 | 2029-08 | 179.94 | 19.75 | 160.19 | 8153.87 |
| 53 | 2029-09 | 179.94 | 19.37 | 160.57 | 7993.30 |
| 54 | 2029-10 | 179.94 | 18.98 | 160.96 | 7832.34 |
| 55 | 2029-11 | 179.94 | 18.60 | 161.34 | 7671.00 |
| 56 | 2029-12 | 179.94 | 18.22 | 161.72 | 7509.28 |
| 57 | 2030-01 | 179.94 | 17.83 | 162.11 | 7347.17 |
| 58 | 2030-02 | 179.94 | 17.45 | 162.49 | 7184.68 |
| 59 | 2030-03 | 179.94 | 17.06 | 162.88 | 7021.81 |
| 60 | 2030-04 | 179.94 | 16.68 | 163.26 | 6858.54 |
| 61 | 2030-05 | 179.94 | 16.29 | 163.65 | 6694.89 |
| 62 | 2030-06 | 179.94 | 15.90 | 164.04 | 6530.85 |
| 63 | 2030-07 | 179.94 | 15.51 | 164.43 | 6366.42 |
| 64 | 2030-08 | 179.94 | 15.12 | 164.82 | 6201.60 |
| 65 | 2030-09 | 179.94 | 14.73 | 165.21 | 6036.39 |
| 66 | 2030-10 | 179.94 | 14.34 | 165.60 | 5870.79 |
| 67 | 2030-11 | 179.94 | 13.94 | 166.00 | 5704.79 |
| 68 | 2030-12 | 179.94 | 13.55 | 166.39 | 5538.40 |
| 69 | 2031-01 | 179.94 | 13.15 | 166.79 | 5371.61 |
| 70 | 2031-02 | 179.94 | 12.76 | 167.18 | 5204.43 |
| 71 | 2031-03 | 179.94 | 12.36 | 167.58 | 5036.85 |
| 72 | 2031-04 | 179.94 | 11.96 | 167.98 | 4868.87 |
| 73 | 2031-05 | 179.94 | 11.56 | 168.38 | 4700.49 |
| 74 | 2031-06 | 179.94 | 11.16 | 168.78 | 4531.72 |
| 75 | 2031-07 | 179.94 | 10.76 | 169.18 | 4362.54 |
| 76 | 2031-08 | 179.94 | 10.36 | 169.58 | 4192.96 |
| 77 | 2031-09 | 179.94 | 9.96 | 169.98 | 4022.98 |
| 78 | 2031-10 | 179.94 | 9.55 | 170.39 | 3852.59 |
| 79 | 2031-11 | 179.94 | 9.15 | 170.79 | 3681.80 |
| 80 | 2031-12 | 179.94 | 8.74 | 171.20 | 3510.60 |
| 81 | 2032-01 | 179.94 | 8.34 | 171.60 | 3339.00 |
| 82 | 2032-02 | 179.94 | 7.93 | 172.01 | 3166.99 |
| 83 | 2032-03 | 179.94 | 7.52 | 172.42 | 2994.57 |
| 84 | 2032-04 | 179.94 | 7.11 | 172.83 | 2821.74 |
| 85 | 2032-05 | 179.94 | 6.70 | 173.24 | 2648.51 |
| 86 | 2032-06 | 179.94 | 6.29 | 173.65 | 2474.86 |
| 87 | 2032-07 | 179.94 | 5.88 | 174.06 | 2300.79 |
| 88 | 2032-08 | 179.94 | 5.46 | 174.48 | 2126.32 |
| 89 | 2032-09 | 179.94 | 5.05 | 174.89 | 1951.43 |
| 90 | 2032-10 | 179.94 | 4.63 | 175.31 | 1776.12 |
| 91 | 2032-11 | 179.94 | 4.22 | 175.72 | 1600.40 |
| 92 | 2032-12 | 179.94 | 3.80 | 176.14 | 1424.26 |
| 93 | 2033-01 | 179.94 | 3.38 | 176.56 | 1247.70 |
| 94 | 2033-02 | 179.94 | 2.96 | 176.98 | 1070.72 |
| 95 | 2033-03 | 179.94 | 2.54 | 177.40 | 893.33 |
| 96 | 2033-04 | 179.94 | 2.12 | 177.82 | 715.51 |
| 97 | 2033-05 | 179.94 | 1.70 | 178.24 | 537.27 |
| 98 | 2033-06 | 179.94 | 1.28 | 178.66 | 358.60 |
| 99 | 2033-07 | 179.94 | 0.85 | 179.09 | 179.51 |
| 100 | 2033-08 | 179.94 | 0.43 | 179.51 | 0.00 |
等额本金还款方式：
贷款总额：1.6万
还款月数：8年4个月
首月还款：198元
每月递减：0.38元
利息总额：1919元
本息合计：1.79万
节省利息：75.04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 | 198.00 | 38.00 | 160.00 | 15840.00 |
| 2 | 2025-06 | 197.62 | 37.62 | 160.00 | 15680.00 |
| 3 | 2025-07 | 197.24 | 37.24 | 160.00 | 15520.00 |
| 4 | 2025-08 | 196.86 | 36.86 | 160.00 | 15360.00 |
| 5 | 2025-09 | 196.48 | 36.48 | 160.00 | 15200.00 |
| 6 | 2025-10 | 196.10 | 36.10 | 160.00 | 15040.00 |
| 7 | 2025-11 | 195.72 | 35.72 | 160.00 | 14880.00 |
| 8 | 2025-12 | 195.34 | 35.34 | 160.00 | 14720.00 |
| 9 | 2026-01 | 194.96 | 34.96 | 160.00 | 14560.00 |
| 10 | 2026-02 | 194.58 | 34.58 | 160.00 | 14400.00 |
| 11 | 2026-03 | 194.20 | 34.20 | 160.00 | 14240.00 |
| 12 | 2026-04 | 193.82 | 33.82 | 160.00 | 14080.00 |
| 13 | 2026-05 | 193.44 | 33.44 | 160.00 | 13920.00 |
| 14 | 2026-06 | 193.06 | 33.06 | 160.00 | 13760.00 |
| 15 | 2026-07 | 192.68 | 32.68 | 160.00 | 13600.00 |
| 16 | 2026-08 | 192.30 | 32.30 | 160.00 | 13440.00 |
| 17 | 2026-09 | 191.92 | 31.92 | 160.00 | 13280.00 |
| 18 | 2026-10 | 191.54 | 31.54 | 160.00 | 13120.00 |
| 19 | 2026-11 | 191.16 | 31.16 | 160.00 | 12960.00 |
| 20 | 2026-12 | 190.78 | 30.78 | 160.00 | 12800.00 |
| 21 | 2027-01 | 190.40 | 30.40 | 160.00 | 12640.00 |
| 22 | 2027-02 | 190.02 | 30.02 | 160.00 | 12480.00 |
| 23 | 2027-03 | 189.64 | 29.64 | 160.00 | 12320.00 |
| 24 | 2027-04 | 189.26 | 29.26 | 160.00 | 12160.00 |
| 25 | 2027-05 | 188.88 | 28.88 | 160.00 | 12000.00 |
| 26 | 2027-06 | 188.50 | 28.50 | 160.00 | 11840.00 |
| 27 | 2027-07 | 188.12 | 28.12 | 160.00 | 11680.00 |
| 28 | 2027-08 | 187.74 | 27.74 | 160.00 | 11520.00 |
| 29 | 2027-09 | 187.36 | 27.36 | 160.00 | 11360.00 |
| 30 | 2027-10 | 186.98 | 26.98 | 160.00 | 11200.00 |
| 31 | 2027-11 | 186.60 | 26.60 | 160.00 | 11040.00 |
| 32 | 2027-12 | 186.22 | 26.22 | 160.00 | 10880.00 |
| 33 | 2028-01 | 185.84 | 25.84 | 160.00 | 10720.00 |
| 34 | 2028-02 | 185.46 | 25.46 | 160.00 | 10560.00 |
| 35 | 2028-03 | 185.08 | 25.08 | 160.00 | 10400.00 |
| 36 | 2028-04 | 184.70 | 24.70 | 160.00 | 10240.00 |
| 37 | 2028-05 | 184.32 | 24.32 | 160.00 | 10080.00 |
| 38 | 2028-06 | 183.94 | 23.94 | 160.00 | 9920.00 |
| 39 | 2028-07 | 183.56 | 23.56 | 160.00 | 9760.00 |
| 40 | 2028-08 | 183.18 | 23.18 | 160.00 | 9600.00 |
| 41 | 2028-09 | 182.80 | 22.80 | 160.00 | 9440.00 |
| 42 | 2028-10 | 182.42 | 22.42 | 160.00 | 9280.00 |
| 43 | 2028-11 | 182.04 | 22.04 | 160.00 | 9120.00 |
| 44 | 2028-12 | 181.66 | 21.66 | 160.00 | 8960.00 |
| 45 | 2029-01 | 181.28 | 21.28 | 160.00 | 8800.00 |
| 46 | 2029-02 | 180.90 | 20.90 | 160.00 | 8640.00 |
| 47 | 2029-03 | 180.52 | 20.52 | 160.00 | 8480.00 |
| 48 | 2029-04 | 180.14 | 20.14 | 160.00 | 8320.00 |
| 49 | 2029-05 | 179.76 | 19.76 | 160.00 | 8160.00 |
| 50 | 2029-06 | 179.38 | 19.38 | 160.00 | 8000.00 |
| 51 | 2029-07 | 179.00 | 19.00 | 160.00 | 7840.00 |
| 52 | 2029-08 | 178.62 | 18.62 | 160.00 | 7680.00 |
| 53 | 2029-09 | 178.24 | 18.24 | 160.00 | 7520.00 |
| 54 | 2029-10 | 177.86 | 17.86 | 160.00 | 7360.00 |
| 55 | 2029-11 | 177.48 | 17.48 | 160.00 | 7200.00 |
| 56 | 2029-12 | 177.10 | 17.10 | 160.00 | 7040.00 |
| 57 | 2030-01 | 176.72 | 16.72 | 160.00 | 6880.00 |
| 58 | 2030-02 | 176.34 | 16.34 | 160.00 | 6720.00 |
| 59 | 2030-03 | 175.96 | 15.96 | 160.00 | 6560.00 |
| 60 | 2030-04 | 175.58 | 15.58 | 160.00 | 6400.00 |
| 61 | 2030-05 | 175.20 | 15.20 | 160.00 | 6240.00 |
| 62 | 2030-06 | 174.82 | 14.82 | 160.00 | 6080.00 |
| 63 | 2030-07 | 174.44 | 14.44 | 160.00 | 5920.00 |
| 64 | 2030-08 | 174.06 | 14.06 | 160.00 | 5760.00 |
| 65 | 2030-09 | 173.68 | 13.68 | 160.00 | 5600.00 |
| 66 | 2030-10 | 173.30 | 13.30 | 160.00 | 5440.00 |
| 67 | 2030-11 | 172.92 | 12.92 | 160.00 | 5280.00 |
| 68 | 2030-12 | 172.54 | 12.54 | 160.00 | 5120.00 |
| 69 | 2031-01 | 172.16 | 12.16 | 160.00 | 4960.00 |
| 70 | 2031-02 | 171.78 | 11.78 | 160.00 | 4800.00 |
| 71 | 2031-03 | 171.40 | 11.40 | 160.00 | 4640.00 |
| 72 | 2031-04 | 171.02 | 11.02 | 160.00 | 4480.00 |
| 73 | 2031-05 | 170.64 | 10.64 | 160.00 | 4320.00 |
| 74 | 2031-06 | 170.26 | 10.26 | 160.00 | 4160.00 |
| 75 | 2031-07 | 169.88 | 9.88 | 160.00 | 4000.00 |
| 76 | 2031-08 | 169.50 | 9.50 | 160.00 | 3840.00 |
| 77 | 2031-09 | 169.12 | 9.12 | 160.00 | 3680.00 |
| 78 | 2031-10 | 168.74 | 8.74 | 160.00 | 3520.00 |
| 79 | 2031-11 | 168.36 | 8.36 | 160.00 | 3360.00 |
| 80 | 2031-12 | 167.98 | 7.98 | 160.00 | 3200.00 |
| 81 | 2032-01 | 167.60 | 7.60 | 160.00 | 3040.00 |
| 82 | 2032-02 | 167.22 | 7.22 | 160.00 | 2880.00 |
| 83 | 2032-03 | 166.84 | 6.84 | 160.00 | 2720.00 |
| 84 | 2032-04 | 166.46 | 6.46 | 160.00 | 2560.00 |
| 85 | 2032-05 | 166.08 | 6.08 | 160.00 | 2400.00 |
| 86 | 2032-06 | 165.70 | 5.70 | 160.00 | 2240.00 |
| 87 | 2032-07 | 165.32 | 5.32 | 160.00 | 2080.00 |
| 88 | 2032-08 | 164.94 | 4.94 | 160.00 | 1920.00 |
| 89 | 2032-09 | 164.56 | 4.56 | 160.00 | 1760.00 |
| 90 | 2032-10 | 164.18 | 4.18 | 160.00 | 1600.00 |
| 91 | 2032-11 | 163.80 | 3.80 | 160.00 | 1440.00 |
| 92 | 2032-12 | 163.42 | 3.42 | 160.00 | 1280.00 |
| 93 | 2033-01 | 163.04 | 3.04 | 160.00 | 1120.00 |
| 94 | 2033-02 | 162.66 | 2.66 | 160.00 | 960.00 |
| 95 | 2033-03 | 162.28 | 2.28 | 160.00 | 800.00 |
| 96 | 2033-04 | 161.90 | 1.90 | 160.00 | 640.00 |
| 97 | 2033-05 | 161.52 | 1.52 | 160.00 | 480.00 |
| 98 | 2033-06 | 161.14 | 1.14 | 160.00 | 320.00 |
| 99 | 2033-07 | 160.76 | 0.76 | 160.00 | 160.00 |
| 100 | 2033-08 | 160.38 | 0.38 | 160.00 | 0.00 |