贷款4.52万（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：4.52万
还款月数：8年4个月
每月还款：508.28元
利息总额：5632.54元
本息合计：5.08万
| 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 | 508.28 | 107.34 | 400.94 | 44794.06 |
| 2 | 2025-06 | 508.28 | 106.39 | 401.89 | 44392.17 |
| 3 | 2025-07 | 508.28 | 105.43 | 402.84 | 43989.33 |
| 4 | 2025-08 | 508.28 | 104.47 | 403.80 | 43585.53 |
| 5 | 2025-09 | 508.28 | 103.52 | 404.76 | 43180.77 |
| 6 | 2025-10 | 508.28 | 102.55 | 405.72 | 42775.05 |
| 7 | 2025-11 | 508.28 | 101.59 | 406.68 | 42368.36 |
| 8 | 2025-12 | 508.28 | 100.62 | 407.65 | 41960.71 |
| 9 | 2026-01 | 508.28 | 99.66 | 408.62 | 41552.09 |
| 10 | 2026-02 | 508.28 | 98.69 | 409.59 | 41142.50 |
| 11 | 2026-03 | 508.28 | 97.71 | 410.56 | 40731.94 |
| 12 | 2026-04 | 508.28 | 96.74 | 411.54 | 40320.41 |
| 13 | 2026-05 | 508.28 | 95.76 | 412.51 | 39907.89 |
| 14 | 2026-06 | 508.28 | 94.78 | 413.49 | 39494.40 |
| 15 | 2026-07 | 508.28 | 93.80 | 414.48 | 39079.92 |
| 16 | 2026-08 | 508.28 | 92.81 | 415.46 | 38664.46 |
| 17 | 2026-09 | 508.28 | 91.83 | 416.45 | 38248.01 |
| 18 | 2026-10 | 508.28 | 90.84 | 417.44 | 37830.58 |
| 19 | 2026-11 | 508.28 | 89.85 | 418.43 | 37412.15 |
| 20 | 2026-12 | 508.28 | 88.85 | 419.42 | 36992.73 |
| 21 | 2027-01 | 508.28 | 87.86 | 420.42 | 36572.31 |
| 22 | 2027-02 | 508.28 | 86.86 | 421.42 | 36150.89 |
| 23 | 2027-03 | 508.28 | 85.86 | 422.42 | 35728.48 |
| 24 | 2027-04 | 508.28 | 84.86 | 423.42 | 35305.06 |
| 25 | 2027-05 | 508.28 | 83.85 | 424.43 | 34880.63 |
| 26 | 2027-06 | 508.28 | 82.84 | 425.43 | 34455.20 |
| 27 | 2027-07 | 508.28 | 81.83 | 426.44 | 34028.75 |
| 28 | 2027-08 | 508.28 | 80.82 | 427.46 | 33601.29 |
| 29 | 2027-09 | 508.28 | 79.80 | 428.47 | 33172.82 |
| 30 | 2027-10 | 508.28 | 78.79 | 429.49 | 32743.33 |
| 31 | 2027-11 | 508.28 | 77.77 | 430.51 | 32312.82 |
| 32 | 2027-12 | 508.28 | 76.74 | 431.53 | 31881.29 |
| 33 | 2028-01 | 508.28 | 75.72 | 432.56 | 31448.73 |
| 34 | 2028-02 | 508.28 | 74.69 | 433.58 | 31015.15 |
| 35 | 2028-03 | 508.28 | 73.66 | 434.61 | 30580.53 |
| 36 | 2028-04 | 508.28 | 72.63 | 435.65 | 30144.89 |
| 37 | 2028-05 | 508.28 | 71.59 | 436.68 | 29708.20 |
| 38 | 2028-06 | 508.28 | 70.56 | 437.72 | 29270.49 |
| 39 | 2028-07 | 508.28 | 69.52 | 438.76 | 28831.73 |
| 40 | 2028-08 | 508.28 | 68.48 | 439.80 | 28391.93 |
| 41 | 2028-09 | 508.28 | 67.43 | 440.84 | 27951.08 |
| 42 | 2028-10 | 508.28 | 66.38 | 441.89 | 27509.19 |
| 43 | 2028-11 | 508.28 | 65.33 | 442.94 | 27066.25 |
| 44 | 2028-12 | 508.28 | 64.28 | 443.99 | 26622.26 |
| 45 | 2029-01 | 508.28 | 63.23 | 445.05 | 26177.21 |
| 46 | 2029-02 | 508.28 | 62.17 | 446.10 | 25731.11 |
| 47 | 2029-03 | 508.28 | 61.11 | 447.16 | 25283.94 |
| 48 | 2029-04 | 508.28 | 60.05 | 448.23 | 24835.72 |
| 49 | 2029-05 | 508.28 | 58.98 | 449.29 | 24386.42 |
| 50 | 2029-06 | 508.28 | 57.92 | 450.36 | 23936.07 |
| 51 | 2029-07 | 508.28 | 56.85 | 451.43 | 23484.64 |
| 52 | 2029-08 | 508.28 | 55.78 | 452.50 | 23032.14 |
| 53 | 2029-09 | 508.28 | 54.70 | 453.57 | 22578.57 |
| 54 | 2029-10 | 508.28 | 53.62 | 454.65 | 22123.91 |
| 55 | 2029-11 | 508.28 | 52.54 | 455.73 | 21668.18 |
| 56 | 2029-12 | 508.28 | 51.46 | 456.81 | 21211.37 |
| 57 | 2030-01 | 508.28 | 50.38 | 457.90 | 20753.47 |
| 58 | 2030-02 | 508.28 | 49.29 | 458.99 | 20294.49 |
| 59 | 2030-03 | 508.28 | 48.20 | 460.08 | 19834.41 |
| 60 | 2030-04 | 508.28 | 47.11 | 461.17 | 19373.24 |
| 61 | 2030-05 | 508.28 | 46.01 | 462.26 | 18910.98 |
| 62 | 2030-06 | 508.28 | 44.91 | 463.36 | 18447.62 |
| 63 | 2030-07 | 508.28 | 43.81 | 464.46 | 17983.15 |
| 64 | 2030-08 | 508.28 | 42.71 | 465.57 | 17517.59 |
| 65 | 2030-09 | 508.28 | 41.60 | 466.67 | 17050.92 |
| 66 | 2030-10 | 508.28 | 40.50 | 467.78 | 16583.14 |
| 67 | 2030-11 | 508.28 | 39.38 | 468.89 | 16114.25 |
| 68 | 2030-12 | 508.28 | 38.27 | 470.00 | 15644.24 |
| 69 | 2031-01 | 508.28 | 37.16 | 471.12 | 15173.12 |
| 70 | 2031-02 | 508.28 | 36.04 | 472.24 | 14700.88 |
| 71 | 2031-03 | 508.28 | 34.91 | 473.36 | 14227.52 |
| 72 | 2031-04 | 508.28 | 33.79 | 474.49 | 13753.04 |
| 73 | 2031-05 | 508.28 | 32.66 | 475.61 | 13277.42 |
| 74 | 2031-06 | 508.28 | 31.53 | 476.74 | 12800.68 |
| 75 | 2031-07 | 508.28 | 30.40 | 477.87 | 12322.81 |
| 76 | 2031-08 | 508.28 | 29.27 | 479.01 | 11843.80 |
| 77 | 2031-09 | 508.28 | 28.13 | 480.15 | 11363.65 |
| 78 | 2031-10 | 508.28 | 26.99 | 481.29 | 10882.37 |
| 79 | 2031-11 | 508.28 | 25.85 | 482.43 | 10399.94 |
| 80 | 2031-12 | 508.28 | 24.70 | 483.58 | 9916.36 |
| 81 | 2032-01 | 508.28 | 23.55 | 484.72 | 9431.64 |
| 82 | 2032-02 | 508.28 | 22.40 | 485.88 | 8945.76 |
| 83 | 2032-03 | 508.28 | 21.25 | 487.03 | 8458.73 |
| 84 | 2032-04 | 508.28 | 20.09 | 488.19 | 7970.55 |
| 85 | 2032-05 | 508.28 | 18.93 | 489.35 | 7481.20 |
| 86 | 2032-06 | 508.28 | 17.77 | 490.51 | 6990.69 |
| 87 | 2032-07 | 508.28 | 16.60 | 491.67 | 6499.02 |
| 88 | 2032-08 | 508.28 | 15.44 | 492.84 | 6006.18 |
| 89 | 2032-09 | 508.28 | 14.26 | 494.01 | 5512.17 |
| 90 | 2032-10 | 508.28 | 13.09 | 495.18 | 5016.99 |
| 91 | 2032-11 | 508.28 | 11.92 | 496.36 | 4520.63 |
| 92 | 2032-12 | 508.28 | 10.74 | 497.54 | 4023.09 |
| 93 | 2033-01 | 508.28 | 9.55 | 498.72 | 3524.37 |
| 94 | 2033-02 | 508.28 | 8.37 | 499.91 | 3024.46 |
| 95 | 2033-03 | 508.28 | 7.18 | 501.09 | 2523.37 |
| 96 | 2033-04 | 508.28 | 5.99 | 502.28 | 2021.09 |
| 97 | 2033-05 | 508.28 | 4.80 | 503.48 | 1517.61 |
| 98 | 2033-06 | 508.28 | 3.60 | 504.67 | 1012.94 |
| 99 | 2033-07 | 508.28 | 2.41 | 505.87 | 507.07 |
| 100 | 2033-08 | 508.28 | 1.20 | 507.07 | 0.00 |
等额本金还款方式：
贷款总额：4.52万
还款月数：8年4个月
首月还款：559.29元
每月递减：1.07元
利息总额：5420.58元
本息合计：5.06万
节省利息：211.97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 | 559.29 | 107.34 | 451.95 | 44743.05 |
| 2 | 2025-06 | 558.21 | 106.26 | 451.95 | 44291.10 |
| 3 | 2025-07 | 557.14 | 105.19 | 451.95 | 43839.15 |
| 4 | 2025-08 | 556.07 | 104.12 | 451.95 | 43387.20 |
| 5 | 2025-09 | 554.99 | 103.04 | 451.95 | 42935.25 |
| 6 | 2025-10 | 553.92 | 101.97 | 451.95 | 42483.30 |
| 7 | 2025-11 | 552.85 | 100.90 | 451.95 | 42031.35 |
| 8 | 2025-12 | 551.77 | 99.82 | 451.95 | 41579.40 |
| 9 | 2026-01 | 550.70 | 98.75 | 451.95 | 41127.45 |
| 10 | 2026-02 | 549.63 | 97.68 | 451.95 | 40675.50 |
| 11 | 2026-03 | 548.55 | 96.60 | 451.95 | 40223.55 |
| 12 | 2026-04 | 547.48 | 95.53 | 451.95 | 39771.60 |
| 13 | 2026-05 | 546.41 | 94.46 | 451.95 | 39319.65 |
| 14 | 2026-06 | 545.33 | 93.38 | 451.95 | 38867.70 |
| 15 | 2026-07 | 544.26 | 92.31 | 451.95 | 38415.75 |
| 16 | 2026-08 | 543.19 | 91.24 | 451.95 | 37963.80 |
| 17 | 2026-09 | 542.11 | 90.16 | 451.95 | 37511.85 |
| 18 | 2026-10 | 541.04 | 89.09 | 451.95 | 37059.90 |
| 19 | 2026-11 | 539.97 | 88.02 | 451.95 | 36607.95 |
| 20 | 2026-12 | 538.89 | 86.94 | 451.95 | 36156.00 |
| 21 | 2027-01 | 537.82 | 85.87 | 451.95 | 35704.05 |
| 22 | 2027-02 | 536.75 | 84.80 | 451.95 | 35252.10 |
| 23 | 2027-03 | 535.67 | 83.72 | 451.95 | 34800.15 |
| 24 | 2027-04 | 534.60 | 82.65 | 451.95 | 34348.20 |
| 25 | 2027-05 | 533.53 | 81.58 | 451.95 | 33896.25 |
| 26 | 2027-06 | 532.45 | 80.50 | 451.95 | 33444.30 |
| 27 | 2027-07 | 531.38 | 79.43 | 451.95 | 32992.35 |
| 28 | 2027-08 | 530.31 | 78.36 | 451.95 | 32540.40 |
| 29 | 2027-09 | 529.23 | 77.28 | 451.95 | 32088.45 |
| 30 | 2027-10 | 528.16 | 76.21 | 451.95 | 31636.50 |
| 31 | 2027-11 | 527.09 | 75.14 | 451.95 | 31184.55 |
| 32 | 2027-12 | 526.01 | 74.06 | 451.95 | 30732.60 |
| 33 | 2028-01 | 524.94 | 72.99 | 451.95 | 30280.65 |
| 34 | 2028-02 | 523.87 | 71.92 | 451.95 | 29828.70 |
| 35 | 2028-03 | 522.79 | 70.84 | 451.95 | 29376.75 |
| 36 | 2028-04 | 521.72 | 69.77 | 451.95 | 28924.80 |
| 37 | 2028-05 | 520.65 | 68.70 | 451.95 | 28472.85 |
| 38 | 2028-06 | 519.57 | 67.62 | 451.95 | 28020.90 |
| 39 | 2028-07 | 518.50 | 66.55 | 451.95 | 27568.95 |
| 40 | 2028-08 | 517.43 | 65.48 | 451.95 | 27117.00 |
| 41 | 2028-09 | 516.35 | 64.40 | 451.95 | 26665.05 |
| 42 | 2028-10 | 515.28 | 63.33 | 451.95 | 26213.10 |
| 43 | 2028-11 | 514.21 | 62.26 | 451.95 | 25761.15 |
| 44 | 2028-12 | 513.13 | 61.18 | 451.95 | 25309.20 |
| 45 | 2029-01 | 512.06 | 60.11 | 451.95 | 24857.25 |
| 46 | 2029-02 | 510.99 | 59.04 | 451.95 | 24405.30 |
| 47 | 2029-03 | 509.91 | 57.96 | 451.95 | 23953.35 |
| 48 | 2029-04 | 508.84 | 56.89 | 451.95 | 23501.40 |
| 49 | 2029-05 | 507.77 | 55.82 | 451.95 | 23049.45 |
| 50 | 2029-06 | 506.69 | 54.74 | 451.95 | 22597.50 |
| 51 | 2029-07 | 505.62 | 53.67 | 451.95 | 22145.55 |
| 52 | 2029-08 | 504.55 | 52.60 | 451.95 | 21693.60 |
| 53 | 2029-09 | 503.47 | 51.52 | 451.95 | 21241.65 |
| 54 | 2029-10 | 502.40 | 50.45 | 451.95 | 20789.70 |
| 55 | 2029-11 | 501.33 | 49.38 | 451.95 | 20337.75 |
| 56 | 2029-12 | 500.25 | 48.30 | 451.95 | 19885.80 |
| 57 | 2030-01 | 499.18 | 47.23 | 451.95 | 19433.85 |
| 58 | 2030-02 | 498.11 | 46.16 | 451.95 | 18981.90 |
| 59 | 2030-03 | 497.03 | 45.08 | 451.95 | 18529.95 |
| 60 | 2030-04 | 495.96 | 44.01 | 451.95 | 18078.00 |
| 61 | 2030-05 | 494.89 | 42.94 | 451.95 | 17626.05 |
| 62 | 2030-06 | 493.81 | 41.86 | 451.95 | 17174.10 |
| 63 | 2030-07 | 492.74 | 40.79 | 451.95 | 16722.15 |
| 64 | 2030-08 | 491.67 | 39.72 | 451.95 | 16270.20 |
| 65 | 2030-09 | 490.59 | 38.64 | 451.95 | 15818.25 |
| 66 | 2030-10 | 489.52 | 37.57 | 451.95 | 15366.30 |
| 67 | 2030-11 | 488.44 | 36.49 | 451.95 | 14914.35 |
| 68 | 2030-12 | 487.37 | 35.42 | 451.95 | 14462.40 |
| 69 | 2031-01 | 486.30 | 34.35 | 451.95 | 14010.45 |
| 70 | 2031-02 | 485.22 | 33.27 | 451.95 | 13558.50 |
| 71 | 2031-03 | 484.15 | 32.20 | 451.95 | 13106.55 |
| 72 | 2031-04 | 483.08 | 31.13 | 451.95 | 12654.60 |
| 73 | 2031-05 | 482.00 | 30.05 | 451.95 | 12202.65 |
| 74 | 2031-06 | 480.93 | 28.98 | 451.95 | 11750.70 |
| 75 | 2031-07 | 479.86 | 27.91 | 451.95 | 11298.75 |
| 76 | 2031-08 | 478.78 | 26.83 | 451.95 | 10846.80 |
| 77 | 2031-09 | 477.71 | 25.76 | 451.95 | 10394.85 |
| 78 | 2031-10 | 476.64 | 24.69 | 451.95 | 9942.90 |
| 79 | 2031-11 | 475.56 | 23.61 | 451.95 | 9490.95 |
| 80 | 2031-12 | 474.49 | 22.54 | 451.95 | 9039.00 |
| 81 | 2032-01 | 473.42 | 21.47 | 451.95 | 8587.05 |
| 82 | 2032-02 | 472.34 | 20.39 | 451.95 | 8135.10 |
| 83 | 2032-03 | 471.27 | 19.32 | 451.95 | 7683.15 |
| 84 | 2032-04 | 470.20 | 18.25 | 451.95 | 7231.20 |
| 85 | 2032-05 | 469.12 | 17.17 | 451.95 | 6779.25 |
| 86 | 2032-06 | 468.05 | 16.10 | 451.95 | 6327.30 |
| 87 | 2032-07 | 466.98 | 15.03 | 451.95 | 5875.35 |
| 88 | 2032-08 | 465.90 | 13.95 | 451.95 | 5423.40 |
| 89 | 2032-09 | 464.83 | 12.88 | 451.95 | 4971.45 |
| 90 | 2032-10 | 463.76 | 11.81 | 451.95 | 4519.50 |
| 91 | 2032-11 | 462.68 | 10.73 | 451.95 | 4067.55 |
| 92 | 2032-12 | 461.61 | 9.66 | 451.95 | 3615.60 |
| 93 | 2033-01 | 460.54 | 8.59 | 451.95 | 3163.65 |
| 94 | 2033-02 | 459.46 | 7.51 | 451.95 | 2711.70 |
| 95 | 2033-03 | 458.39 | 6.44 | 451.95 | 2259.75 |
| 96 | 2033-04 | 457.32 | 5.37 | 451.95 | 1807.80 |
| 97 | 2033-05 | 456.24 | 4.29 | 451.95 | 1355.85 |
| 98 | 2033-06 | 455.17 | 3.22 | 451.95 | 903.90 |
| 99 | 2033-07 | 454.10 | 2.15 | 451.95 | 451.95 |
| 100 | 2033-08 | 453.02 | 1.07 | 451.95 | 0.00 |