贷款2.84万（公积金贷款）房贷，还款6年10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：2.84万
还款月数：6年10个月
每月还款：378.23元
利息总额：2627.1元
本息合计：3.1万
| 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 | 378.23 | 61.51 | 316.73 | 28071.27 |
| 2 | 2025-06 | 378.23 | 60.82 | 317.41 | 27753.86 |
| 3 | 2025-07 | 378.23 | 60.13 | 318.10 | 27435.76 |
| 4 | 2025-08 | 378.23 | 59.44 | 318.79 | 27116.97 |
| 5 | 2025-09 | 378.23 | 58.75 | 319.48 | 26797.49 |
| 6 | 2025-10 | 378.23 | 58.06 | 320.17 | 26477.32 |
| 7 | 2025-11 | 378.23 | 57.37 | 320.87 | 26156.46 |
| 8 | 2025-12 | 378.23 | 56.67 | 321.56 | 25834.90 |
| 9 | 2026-01 | 378.23 | 55.98 | 322.26 | 25512.64 |
| 10 | 2026-02 | 378.23 | 55.28 | 322.96 | 25189.68 |
| 11 | 2026-03 | 378.23 | 54.58 | 323.66 | 24866.03 |
| 12 | 2026-04 | 378.23 | 53.88 | 324.36 | 24541.67 |
| 13 | 2026-05 | 378.23 | 53.17 | 325.06 | 24216.61 |
| 14 | 2026-06 | 378.23 | 52.47 | 325.76 | 23890.85 |
| 15 | 2026-07 | 378.23 | 51.76 | 326.47 | 23564.38 |
| 16 | 2026-08 | 378.23 | 51.06 | 327.18 | 23237.20 |
| 17 | 2026-09 | 378.23 | 50.35 | 327.89 | 22909.32 |
| 18 | 2026-10 | 378.23 | 49.64 | 328.60 | 22580.72 |
| 19 | 2026-11 | 378.23 | 48.92 | 329.31 | 22251.41 |
| 20 | 2026-12 | 378.23 | 48.21 | 330.02 | 21921.39 |
| 21 | 2027-01 | 378.23 | 47.50 | 330.74 | 21590.66 |
| 22 | 2027-02 | 378.23 | 46.78 | 331.45 | 21259.20 |
| 23 | 2027-03 | 378.23 | 46.06 | 332.17 | 20927.03 |
| 24 | 2027-04 | 378.23 | 45.34 | 332.89 | 20594.14 |
| 25 | 2027-05 | 378.23 | 44.62 | 333.61 | 20260.53 |
| 26 | 2027-06 | 378.23 | 43.90 | 334.34 | 19926.19 |
| 27 | 2027-07 | 378.23 | 43.17 | 335.06 | 19591.13 |
| 28 | 2027-08 | 378.23 | 42.45 | 335.79 | 19255.35 |
| 29 | 2027-09 | 378.23 | 41.72 | 336.51 | 18918.84 |
| 30 | 2027-10 | 378.23 | 40.99 | 337.24 | 18581.59 |
| 31 | 2027-11 | 378.23 | 40.26 | 337.97 | 18243.62 |
| 32 | 2027-12 | 378.23 | 39.53 | 338.71 | 17904.92 |
| 33 | 2028-01 | 378.23 | 38.79 | 339.44 | 17565.48 |
| 34 | 2028-02 | 378.23 | 38.06 | 340.17 | 17225.30 |
| 35 | 2028-03 | 378.23 | 37.32 | 340.91 | 16884.39 |
| 36 | 2028-04 | 378.23 | 36.58 | 341.65 | 16542.74 |
| 37 | 2028-05 | 378.23 | 35.84 | 342.39 | 16200.35 |
| 38 | 2028-06 | 378.23 | 35.10 | 343.13 | 15857.22 |
| 39 | 2028-07 | 378.23 | 34.36 | 343.88 | 15513.34 |
| 40 | 2028-08 | 378.23 | 33.61 | 344.62 | 15168.72 |
| 41 | 2028-09 | 378.23 | 32.87 | 345.37 | 14823.36 |
| 42 | 2028-10 | 378.23 | 32.12 | 346.12 | 14477.24 |
| 43 | 2028-11 | 378.23 | 31.37 | 346.87 | 14130.37 |
| 44 | 2028-12 | 378.23 | 30.62 | 347.62 | 13782.76 |
| 45 | 2029-01 | 378.23 | 29.86 | 348.37 | 13434.39 |
| 46 | 2029-02 | 378.23 | 29.11 | 349.13 | 13085.26 |
| 47 | 2029-03 | 378.23 | 28.35 | 349.88 | 12735.38 |
| 48 | 2029-04 | 378.23 | 27.59 | 350.64 | 12384.74 |
| 49 | 2029-05 | 378.23 | 26.83 | 351.40 | 12033.34 |
| 50 | 2029-06 | 378.23 | 26.07 | 352.16 | 11681.18 |
| 51 | 2029-07 | 378.23 | 25.31 | 352.92 | 11328.26 |
| 52 | 2029-08 | 378.23 | 24.54 | 353.69 | 10974.57 |
| 53 | 2029-09 | 378.23 | 23.78 | 354.45 | 10620.11 |
| 54 | 2029-10 | 378.23 | 23.01 | 355.22 | 10264.89 |
| 55 | 2029-11 | 378.23 | 22.24 | 355.99 | 9908.90 |
| 56 | 2029-12 | 378.23 | 21.47 | 356.76 | 9552.14 |
| 57 | 2030-01 | 378.23 | 20.70 | 357.54 | 9194.60 |
| 58 | 2030-02 | 378.23 | 19.92 | 358.31 | 8836.29 |
| 59 | 2030-03 | 378.23 | 19.15 | 359.09 | 8477.20 |
| 60 | 2030-04 | 378.23 | 18.37 | 359.87 | 8117.33 |
| 61 | 2030-05 | 378.23 | 17.59 | 360.65 | 7756.69 |
| 62 | 2030-06 | 378.23 | 16.81 | 361.43 | 7395.26 |
| 63 | 2030-07 | 378.23 | 16.02 | 362.21 | 7033.05 |
| 64 | 2030-08 | 378.23 | 15.24 | 362.99 | 6670.06 |
| 65 | 2030-09 | 378.23 | 14.45 | 363.78 | 6306.28 |
| 66 | 2030-10 | 378.23 | 13.66 | 364.57 | 5941.71 |
| 67 | 2030-11 | 378.23 | 12.87 | 365.36 | 5576.35 |
| 68 | 2030-12 | 378.23 | 12.08 | 366.15 | 5210.20 |
| 69 | 2031-01 | 378.23 | 11.29 | 366.94 | 4843.25 |
| 70 | 2031-02 | 378.23 | 10.49 | 367.74 | 4475.51 |
| 71 | 2031-03 | 378.23 | 9.70 | 368.54 | 4106.98 |
| 72 | 2031-04 | 378.23 | 8.90 | 369.33 | 3737.64 |
| 73 | 2031-05 | 378.23 | 8.10 | 370.13 | 3367.51 |
| 74 | 2031-06 | 378.23 | 7.30 | 370.94 | 2996.57 |
| 75 | 2031-07 | 378.23 | 6.49 | 371.74 | 2624.83 |
| 76 | 2031-08 | 378.23 | 5.69 | 372.55 | 2252.29 |
| 77 | 2031-09 | 378.23 | 4.88 | 373.35 | 1878.93 |
| 78 | 2031-10 | 378.23 | 4.07 | 374.16 | 1504.77 |
| 79 | 2031-11 | 378.23 | 3.26 | 374.97 | 1129.80 |
| 80 | 2031-12 | 378.23 | 2.45 | 375.78 | 754.01 |
| 81 | 2032-01 | 378.23 | 1.63 | 376.60 | 377.42 |
| 82 | 2032-02 | 378.23 | 0.82 | 377.42 | 0.00 |
等额本金还款方式：
贷款总额：2.84万
还款月数：6年10个月
首月还款：407.7元
每月递减：0.75元
利息总额：2552.55元
本息合计：3.09万
节省利息：74.54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 | 407.70 | 61.51 | 346.20 | 28041.80 |
| 2 | 2025-06 | 406.95 | 60.76 | 346.20 | 27695.61 |
| 3 | 2025-07 | 406.20 | 60.01 | 346.20 | 27349.41 |
| 4 | 2025-08 | 405.45 | 59.26 | 346.20 | 27003.22 |
| 5 | 2025-09 | 404.70 | 58.51 | 346.20 | 26657.02 |
| 6 | 2025-10 | 403.95 | 57.76 | 346.20 | 26310.83 |
| 7 | 2025-11 | 403.20 | 57.01 | 346.20 | 25964.63 |
| 8 | 2025-12 | 402.45 | 56.26 | 346.20 | 25618.44 |
| 9 | 2026-01 | 401.70 | 55.51 | 346.20 | 25272.24 |
| 10 | 2026-02 | 400.95 | 54.76 | 346.20 | 24926.05 |
| 11 | 2026-03 | 400.20 | 54.01 | 346.20 | 24579.85 |
| 12 | 2026-04 | 399.45 | 53.26 | 346.20 | 24233.66 |
| 13 | 2026-05 | 398.70 | 52.51 | 346.20 | 23887.46 |
| 14 | 2026-06 | 397.95 | 51.76 | 346.20 | 23541.27 |
| 15 | 2026-07 | 397.20 | 51.01 | 346.20 | 23195.07 |
| 16 | 2026-08 | 396.45 | 50.26 | 346.20 | 22848.88 |
| 17 | 2026-09 | 395.70 | 49.51 | 346.20 | 22502.68 |
| 18 | 2026-10 | 394.95 | 48.76 | 346.20 | 22156.49 |
| 19 | 2026-11 | 394.20 | 48.01 | 346.20 | 21810.29 |
| 20 | 2026-12 | 393.45 | 47.26 | 346.20 | 21464.10 |
| 21 | 2027-01 | 392.70 | 46.51 | 346.20 | 21117.90 |
| 22 | 2027-02 | 391.95 | 45.76 | 346.20 | 20771.71 |
| 23 | 2027-03 | 391.20 | 45.01 | 346.20 | 20425.51 |
| 24 | 2027-04 | 390.45 | 44.26 | 346.20 | 20079.32 |
| 25 | 2027-05 | 389.70 | 43.51 | 346.20 | 19733.12 |
| 26 | 2027-06 | 388.95 | 42.76 | 346.20 | 19386.93 |
| 27 | 2027-07 | 388.20 | 42.01 | 346.20 | 19040.73 |
| 28 | 2027-08 | 387.45 | 41.25 | 346.20 | 18694.54 |
| 29 | 2027-09 | 386.70 | 40.50 | 346.20 | 18348.34 |
| 30 | 2027-10 | 385.95 | 39.75 | 346.20 | 18002.15 |
| 31 | 2027-11 | 385.20 | 39.00 | 346.20 | 17655.95 |
| 32 | 2027-12 | 384.45 | 38.25 | 346.20 | 17309.76 |
| 33 | 2028-01 | 383.70 | 37.50 | 346.20 | 16963.56 |
| 34 | 2028-02 | 382.95 | 36.75 | 346.20 | 16617.37 |
| 35 | 2028-03 | 382.20 | 36.00 | 346.20 | 16271.17 |
| 36 | 2028-04 | 381.45 | 35.25 | 346.20 | 15924.98 |
| 37 | 2028-05 | 380.70 | 34.50 | 346.20 | 15578.78 |
| 38 | 2028-06 | 379.95 | 33.75 | 346.20 | 15232.59 |
| 39 | 2028-07 | 379.20 | 33.00 | 346.20 | 14886.39 |
| 40 | 2028-08 | 378.45 | 32.25 | 346.20 | 14540.20 |
| 41 | 2028-09 | 377.70 | 31.50 | 346.20 | 14194.00 |
| 42 | 2028-10 | 376.95 | 30.75 | 346.20 | 13847.80 |
| 43 | 2028-11 | 376.20 | 30.00 | 346.20 | 13501.61 |
| 44 | 2028-12 | 375.45 | 29.25 | 346.20 | 13155.41 |
| 45 | 2029-01 | 374.70 | 28.50 | 346.20 | 12809.22 |
| 46 | 2029-02 | 373.95 | 27.75 | 346.20 | 12463.02 |
| 47 | 2029-03 | 373.20 | 27.00 | 346.20 | 12116.83 |
| 48 | 2029-04 | 372.45 | 26.25 | 346.20 | 11770.63 |
| 49 | 2029-05 | 371.70 | 25.50 | 346.20 | 11424.44 |
| 50 | 2029-06 | 370.95 | 24.75 | 346.20 | 11078.24 |
| 51 | 2029-07 | 370.20 | 24.00 | 346.20 | 10732.05 |
| 52 | 2029-08 | 369.45 | 23.25 | 346.20 | 10385.85 |
| 53 | 2029-09 | 368.70 | 22.50 | 346.20 | 10039.66 |
| 54 | 2029-10 | 367.95 | 21.75 | 346.20 | 9693.46 |
| 55 | 2029-11 | 367.20 | 21.00 | 346.20 | 9347.27 |
| 56 | 2029-12 | 366.45 | 20.25 | 346.20 | 9001.07 |
| 57 | 2030-01 | 365.70 | 19.50 | 346.20 | 8654.88 |
| 58 | 2030-02 | 364.95 | 18.75 | 346.20 | 8308.68 |
| 59 | 2030-03 | 364.20 | 18.00 | 346.20 | 7962.49 |
| 60 | 2030-04 | 363.45 | 17.25 | 346.20 | 7616.29 |
| 61 | 2030-05 | 362.70 | 16.50 | 346.20 | 7270.10 |
| 62 | 2030-06 | 361.95 | 15.75 | 346.20 | 6923.90 |
| 63 | 2030-07 | 361.20 | 15.00 | 346.20 | 6577.71 |
| 64 | 2030-08 | 360.45 | 14.25 | 346.20 | 6231.51 |
| 65 | 2030-09 | 359.70 | 13.50 | 346.20 | 5885.32 |
| 66 | 2030-10 | 358.95 | 12.75 | 346.20 | 5539.12 |
| 67 | 2030-11 | 358.20 | 12.00 | 346.20 | 5192.93 |
| 68 | 2030-12 | 357.45 | 11.25 | 346.20 | 4846.73 |
| 69 | 2031-01 | 356.70 | 10.50 | 346.20 | 4500.54 |
| 70 | 2031-02 | 355.95 | 9.75 | 346.20 | 4154.34 |
| 71 | 2031-03 | 355.20 | 9.00 | 346.20 | 3808.15 |
| 72 | 2031-04 | 354.45 | 8.25 | 346.20 | 3461.95 |
| 73 | 2031-05 | 353.70 | 7.50 | 346.20 | 3115.76 |
| 74 | 2031-06 | 352.95 | 6.75 | 346.20 | 2769.56 |
| 75 | 2031-07 | 352.20 | 6.00 | 346.20 | 2423.37 |
| 76 | 2031-08 | 351.45 | 5.25 | 346.20 | 2077.17 |
| 77 | 2031-09 | 350.70 | 4.50 | 346.20 | 1730.98 |
| 78 | 2031-10 | 349.95 | 3.75 | 346.20 | 1384.78 |
| 79 | 2031-11 | 349.20 | 3.00 | 346.20 | 1038.59 |
| 80 | 2031-12 | 348.45 | 2.25 | 346.20 | 692.39 |
| 81 | 2032-01 | 347.70 | 1.50 | 346.20 | 346.20 |
| 82 | 2032-02 | 346.95 | 0.75 | 346.20 | 0.00 |