贷款2.91万（公积金贷款）房贷，还款7年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：2.91万
还款月数：7年
每月还款：379.53元
利息总额：2761.61元
本息合计：3.19万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 379.53 | 63.09 | 316.44 | 28802.56 |
| 2 | 2025-07 | 379.53 | 62.41 | 317.13 | 28485.43 |
| 3 | 2025-08 | 379.53 | 61.72 | 317.81 | 28167.62 |
| 4 | 2025-09 | 379.53 | 61.03 | 318.50 | 27849.12 |
| 5 | 2025-10 | 379.53 | 60.34 | 319.19 | 27529.93 |
| 6 | 2025-11 | 379.53 | 59.65 | 319.88 | 27210.05 |
| 7 | 2025-12 | 379.53 | 58.96 | 320.58 | 26889.47 |
| 8 | 2026-01 | 379.53 | 58.26 | 321.27 | 26568.20 |
| 9 | 2026-02 | 379.53 | 57.56 | 321.97 | 26246.23 |
| 10 | 2026-03 | 379.53 | 56.87 | 322.66 | 25923.57 |
| 11 | 2026-04 | 379.53 | 56.17 | 323.36 | 25600.21 |
| 12 | 2026-05 | 379.53 | 55.47 | 324.06 | 25276.14 |
| 13 | 2026-06 | 379.53 | 54.76 | 324.77 | 24951.38 |
| 14 | 2026-07 | 379.53 | 54.06 | 325.47 | 24625.91 |
| 15 | 2026-08 | 379.53 | 53.36 | 326.17 | 24299.73 |
| 16 | 2026-09 | 379.53 | 52.65 | 326.88 | 23972.85 |
| 17 | 2026-10 | 379.53 | 51.94 | 327.59 | 23645.26 |
| 18 | 2026-11 | 379.53 | 51.23 | 328.30 | 23316.96 |
| 19 | 2026-12 | 379.53 | 50.52 | 329.01 | 22987.95 |
| 20 | 2027-01 | 379.53 | 49.81 | 329.72 | 22658.22 |
| 21 | 2027-02 | 379.53 | 49.09 | 330.44 | 22327.79 |
| 22 | 2027-03 | 379.53 | 48.38 | 331.15 | 21996.63 |
| 23 | 2027-04 | 379.53 | 47.66 | 331.87 | 21664.76 |
| 24 | 2027-05 | 379.53 | 46.94 | 332.59 | 21332.17 |
| 25 | 2027-06 | 379.53 | 46.22 | 333.31 | 20998.86 |
| 26 | 2027-07 | 379.53 | 45.50 | 334.03 | 20664.83 |
| 27 | 2027-08 | 379.53 | 44.77 | 334.76 | 20330.07 |
| 28 | 2027-09 | 379.53 | 44.05 | 335.48 | 19994.59 |
| 29 | 2027-10 | 379.53 | 43.32 | 336.21 | 19658.38 |
| 30 | 2027-11 | 379.53 | 42.59 | 336.94 | 19321.44 |
| 31 | 2027-12 | 379.53 | 41.86 | 337.67 | 18983.77 |
| 32 | 2028-01 | 379.53 | 41.13 | 338.40 | 18645.37 |
| 33 | 2028-02 | 379.53 | 40.40 | 339.13 | 18306.24 |
| 34 | 2028-03 | 379.53 | 39.66 | 339.87 | 17966.37 |
| 35 | 2028-04 | 379.53 | 38.93 | 340.60 | 17625.77 |
| 36 | 2028-05 | 379.53 | 38.19 | 341.34 | 17284.42 |
| 37 | 2028-06 | 379.53 | 37.45 | 342.08 | 16942.34 |
| 38 | 2028-07 | 379.53 | 36.71 | 342.82 | 16599.52 |
| 39 | 2028-08 | 379.53 | 35.97 | 343.57 | 16255.95 |
| 40 | 2028-09 | 379.53 | 35.22 | 344.31 | 15911.64 |
| 41 | 2028-10 | 379.53 | 34.48 | 345.06 | 15566.59 |
| 42 | 2028-11 | 379.53 | 33.73 | 345.80 | 15220.79 |
| 43 | 2028-12 | 379.53 | 32.98 | 346.55 | 14874.23 |
| 44 | 2029-01 | 379.53 | 32.23 | 347.30 | 14526.93 |
| 45 | 2029-02 | 379.53 | 31.48 | 348.06 | 14178.87 |
| 46 | 2029-03 | 379.53 | 30.72 | 348.81 | 13830.06 |
| 47 | 2029-04 | 379.53 | 29.97 | 349.57 | 13480.50 |
| 48 | 2029-05 | 379.53 | 29.21 | 350.32 | 13130.17 |
| 49 | 2029-06 | 379.53 | 28.45 | 351.08 | 12779.09 |
| 50 | 2029-07 | 379.53 | 27.69 | 351.84 | 12427.25 |
| 51 | 2029-08 | 379.53 | 26.93 | 352.61 | 12074.64 |
| 52 | 2029-09 | 379.53 | 26.16 | 353.37 | 11721.27 |
| 53 | 2029-10 | 379.53 | 25.40 | 354.13 | 11367.14 |
| 54 | 2029-11 | 379.53 | 24.63 | 354.90 | 11012.24 |
| 55 | 2029-12 | 379.53 | 23.86 | 355.67 | 10656.56 |
| 56 | 2030-01 | 379.53 | 23.09 | 356.44 | 10300.12 |
| 57 | 2030-02 | 379.53 | 22.32 | 357.21 | 9942.91 |
| 58 | 2030-03 | 379.53 | 21.54 | 357.99 | 9584.92 |
| 59 | 2030-04 | 379.53 | 20.77 | 358.76 | 9226.16 |
| 60 | 2030-05 | 379.53 | 19.99 | 359.54 | 8866.62 |
| 61 | 2030-06 | 379.53 | 19.21 | 360.32 | 8506.30 |
| 62 | 2030-07 | 379.53 | 18.43 | 361.10 | 8145.20 |
| 63 | 2030-08 | 379.53 | 17.65 | 361.88 | 7783.31 |
| 64 | 2030-09 | 379.53 | 16.86 | 362.67 | 7420.64 |
| 65 | 2030-10 | 379.53 | 16.08 | 363.45 | 7057.19 |
| 66 | 2030-11 | 379.53 | 15.29 | 364.24 | 6692.95 |
| 67 | 2030-12 | 379.53 | 14.50 | 365.03 | 6327.92 |
| 68 | 2031-01 | 379.53 | 13.71 | 365.82 | 5962.10 |
| 69 | 2031-02 | 379.53 | 12.92 | 366.61 | 5595.49 |
| 70 | 2031-03 | 379.53 | 12.12 | 367.41 | 5228.08 |
| 71 | 2031-04 | 379.53 | 11.33 | 368.20 | 4859.88 |
| 72 | 2031-05 | 379.53 | 10.53 | 369.00 | 4490.88 |
| 73 | 2031-06 | 379.53 | 9.73 | 369.80 | 4121.07 |
| 74 | 2031-07 | 379.53 | 8.93 | 370.60 | 3750.47 |
| 75 | 2031-08 | 379.53 | 8.13 | 371.41 | 3379.07 |
| 76 | 2031-09 | 379.53 | 7.32 | 372.21 | 3006.86 |
| 77 | 2031-10 | 379.53 | 6.51 | 373.02 | 2633.84 |
| 78 | 2031-11 | 379.53 | 5.71 | 373.82 | 2260.02 |
| 79 | 2031-12 | 379.53 | 4.90 | 374.63 | 1885.38 |
| 80 | 2032-01 | 379.53 | 4.08 | 375.45 | 1509.94 |
| 81 | 2032-02 | 379.53 | 3.27 | 376.26 | 1133.68 |
| 82 | 2032-03 | 379.53 | 2.46 | 377.07 | 756.60 |
| 83 | 2032-04 | 379.53 | 1.64 | 377.89 | 378.71 |
| 84 | 2032-05 | 379.53 | 0.82 | 378.71 | 0.00 |
等额本金还款方式：
贷款总额：2.91万
还款月数：7年
首月还款：409.75元
每月递减：0.75元
利息总额：2681.37元
本息合计：3.18万
节省利息：80.24元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 409.75 | 63.09 | 346.65 | 28772.35 |
| 2 | 2025-07 | 408.99 | 62.34 | 346.65 | 28425.69 |
| 3 | 2025-08 | 408.24 | 61.59 | 346.65 | 28079.04 |
| 4 | 2025-09 | 407.49 | 60.84 | 346.65 | 27732.38 |
| 5 | 2025-10 | 406.74 | 60.09 | 346.65 | 27385.73 |
| 6 | 2025-11 | 405.99 | 59.34 | 346.65 | 27039.07 |
| 7 | 2025-12 | 405.24 | 58.58 | 346.65 | 26692.42 |
| 8 | 2026-01 | 404.49 | 57.83 | 346.65 | 26345.76 |
| 9 | 2026-02 | 403.74 | 57.08 | 346.65 | 25999.11 |
| 10 | 2026-03 | 402.99 | 56.33 | 346.65 | 25652.45 |
| 11 | 2026-04 | 402.24 | 55.58 | 346.65 | 25305.80 |
| 12 | 2026-05 | 401.48 | 54.83 | 346.65 | 24959.14 |
| 13 | 2026-06 | 400.73 | 54.08 | 346.65 | 24612.49 |
| 14 | 2026-07 | 399.98 | 53.33 | 346.65 | 24265.83 |
| 15 | 2026-08 | 399.23 | 52.58 | 346.65 | 23919.18 |
| 16 | 2026-09 | 398.48 | 51.82 | 346.65 | 23572.52 |
| 17 | 2026-10 | 397.73 | 51.07 | 346.65 | 23225.87 |
| 18 | 2026-11 | 396.98 | 50.32 | 346.65 | 22879.21 |
| 19 | 2026-12 | 396.23 | 49.57 | 346.65 | 22532.56 |
| 20 | 2027-01 | 395.48 | 48.82 | 346.65 | 22185.90 |
| 21 | 2027-02 | 394.72 | 48.07 | 346.65 | 21839.25 |
| 22 | 2027-03 | 393.97 | 47.32 | 346.65 | 21492.60 |
| 23 | 2027-04 | 393.22 | 46.57 | 346.65 | 21145.94 |
| 24 | 2027-05 | 392.47 | 45.82 | 346.65 | 20799.29 |
| 25 | 2027-06 | 391.72 | 45.07 | 346.65 | 20452.63 |
| 26 | 2027-07 | 390.97 | 44.31 | 346.65 | 20105.98 |
| 27 | 2027-08 | 390.22 | 43.56 | 346.65 | 19759.32 |
| 28 | 2027-09 | 389.47 | 42.81 | 346.65 | 19412.67 |
| 29 | 2027-10 | 388.72 | 42.06 | 346.65 | 19066.01 |
| 30 | 2027-11 | 387.96 | 41.31 | 346.65 | 18719.36 |
| 31 | 2027-12 | 387.21 | 40.56 | 346.65 | 18372.70 |
| 32 | 2028-01 | 386.46 | 39.81 | 346.65 | 18026.05 |
| 33 | 2028-02 | 385.71 | 39.06 | 346.65 | 17679.39 |
| 34 | 2028-03 | 384.96 | 38.31 | 346.65 | 17332.74 |
| 35 | 2028-04 | 384.21 | 37.55 | 346.65 | 16986.08 |
| 36 | 2028-05 | 383.46 | 36.80 | 346.65 | 16639.43 |
| 37 | 2028-06 | 382.71 | 36.05 | 346.65 | 16292.77 |
| 38 | 2028-07 | 381.96 | 35.30 | 346.65 | 15946.12 |
| 39 | 2028-08 | 381.20 | 34.55 | 346.65 | 15599.46 |
| 40 | 2028-09 | 380.45 | 33.80 | 346.65 | 15252.81 |
| 41 | 2028-10 | 379.70 | 33.05 | 346.65 | 14906.15 |
| 42 | 2028-11 | 378.95 | 32.30 | 346.65 | 14559.50 |
| 43 | 2028-12 | 378.20 | 31.55 | 346.65 | 14212.85 |
| 44 | 2029-01 | 377.45 | 30.79 | 346.65 | 13866.19 |
| 45 | 2029-02 | 376.70 | 30.04 | 346.65 | 13519.54 |
| 46 | 2029-03 | 375.95 | 29.29 | 346.65 | 13172.88 |
| 47 | 2029-04 | 375.20 | 28.54 | 346.65 | 12826.23 |
| 48 | 2029-05 | 374.44 | 27.79 | 346.65 | 12479.57 |
| 49 | 2029-06 | 373.69 | 27.04 | 346.65 | 12132.92 |
| 50 | 2029-07 | 372.94 | 26.29 | 346.65 | 11786.26 |
| 51 | 2029-08 | 372.19 | 25.54 | 346.65 | 11439.61 |
| 52 | 2029-09 | 371.44 | 24.79 | 346.65 | 11092.95 |
| 53 | 2029-10 | 370.69 | 24.03 | 346.65 | 10746.30 |
| 54 | 2029-11 | 369.94 | 23.28 | 346.65 | 10399.64 |
| 55 | 2029-12 | 369.19 | 22.53 | 346.65 | 10052.99 |
| 56 | 2030-01 | 368.44 | 21.78 | 346.65 | 9706.33 |
| 57 | 2030-02 | 367.69 | 21.03 | 346.65 | 9359.68 |
| 58 | 2030-03 | 366.93 | 20.28 | 346.65 | 9013.02 |
| 59 | 2030-04 | 366.18 | 19.53 | 346.65 | 8666.37 |
| 60 | 2030-05 | 365.43 | 18.78 | 346.65 | 8319.71 |
| 61 | 2030-06 | 364.68 | 18.03 | 346.65 | 7973.06 |
| 62 | 2030-07 | 363.93 | 17.27 | 346.65 | 7626.40 |
| 63 | 2030-08 | 363.18 | 16.52 | 346.65 | 7279.75 |
| 64 | 2030-09 | 362.43 | 15.77 | 346.65 | 6933.10 |
| 65 | 2030-10 | 361.68 | 15.02 | 346.65 | 6586.44 |
| 66 | 2030-11 | 360.93 | 14.27 | 346.65 | 6239.79 |
| 67 | 2030-12 | 360.17 | 13.52 | 346.65 | 5893.13 |
| 68 | 2031-01 | 359.42 | 12.77 | 346.65 | 5546.48 |
| 69 | 2031-02 | 358.67 | 12.02 | 346.65 | 5199.82 |
| 70 | 2031-03 | 357.92 | 11.27 | 346.65 | 4853.17 |
| 71 | 2031-04 | 357.17 | 10.52 | 346.65 | 4506.51 |
| 72 | 2031-05 | 356.42 | 9.76 | 346.65 | 4159.86 |
| 73 | 2031-06 | 355.67 | 9.01 | 346.65 | 3813.20 |
| 74 | 2031-07 | 354.92 | 8.26 | 346.65 | 3466.55 |
| 75 | 2031-08 | 354.17 | 7.51 | 346.65 | 3119.89 |
| 76 | 2031-09 | 353.41 | 6.76 | 346.65 | 2773.24 |
| 77 | 2031-10 | 352.66 | 6.01 | 346.65 | 2426.58 |
| 78 | 2031-11 | 351.91 | 5.26 | 346.65 | 2079.93 |
| 79 | 2031-12 | 351.16 | 4.51 | 346.65 | 1733.27 |
| 80 | 2032-01 | 350.41 | 3.76 | 346.65 | 1386.62 |
| 81 | 2032-02 | 349.66 | 3.00 | 346.65 | 1039.96 |
| 82 | 2032-03 | 348.91 | 2.25 | 346.65 | 693.31 |
| 83 | 2032-04 | 348.16 | 1.50 | 346.65 | 346.65 |
| 84 | 2032-05 | 347.41 | 0.75 | 346.65 | 0.00 |