深圳贷款138万（公积金贷款）房贷，还款10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：138万
还款月数：10年
每月还款：13485.23元
利息总额：23.82万
本息合计：161.82万
| 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 | 13485.23 | 3737.50 | 9747.73 | 1370252.27 |
| 2 | 2025-07 | 13485.23 | 3711.10 | 9774.13 | 1360478.15 |
| 3 | 2025-08 | 13485.23 | 3684.63 | 9800.60 | 1350677.55 |
| 4 | 2025-09 | 13485.23 | 3658.09 | 9827.14 | 1340850.41 |
| 5 | 2025-10 | 13485.23 | 3631.47 | 9853.76 | 1330996.65 |
| 6 | 2025-11 | 13485.23 | 3604.78 | 9880.44 | 1321116.21 |
| 7 | 2025-12 | 13485.23 | 3578.02 | 9907.20 | 1311209.01 |
| 8 | 2026-01 | 13485.23 | 3551.19 | 9934.03 | 1301274.97 |
| 9 | 2026-02 | 13485.23 | 3524.29 | 9960.94 | 1291314.03 |
| 10 | 2026-03 | 13485.23 | 3497.31 | 9987.92 | 1281326.12 |
| 11 | 2026-04 | 13485.23 | 3470.26 | 10014.97 | 1271311.15 |
| 12 | 2026-05 | 13485.23 | 3443.13 | 10042.09 | 1261269.06 |
| 13 | 2026-06 | 13485.23 | 3415.94 | 10069.29 | 1251199.77 |
| 14 | 2026-07 | 13485.23 | 3388.67 | 10096.56 | 1241103.21 |
| 15 | 2026-08 | 13485.23 | 3361.32 | 10123.90 | 1230979.30 |
| 16 | 2026-09 | 13485.23 | 3333.90 | 10151.32 | 1220827.98 |
| 17 | 2026-10 | 13485.23 | 3306.41 | 10178.82 | 1210649.16 |
| 18 | 2026-11 | 13485.23 | 3278.84 | 10206.38 | 1200442.78 |
| 19 | 2026-12 | 13485.23 | 3251.20 | 10234.03 | 1190208.75 |
| 20 | 2027-01 | 13485.23 | 3223.48 | 10261.74 | 1179947.01 |
| 21 | 2027-02 | 13485.23 | 3195.69 | 10289.54 | 1169657.47 |
| 22 | 2027-03 | 13485.23 | 3167.82 | 10317.40 | 1159340.07 |
| 23 | 2027-04 | 13485.23 | 3139.88 | 10345.35 | 1148994.72 |
| 24 | 2027-05 | 13485.23 | 3111.86 | 10373.37 | 1138621.35 |
| 25 | 2027-06 | 13485.23 | 3083.77 | 10401.46 | 1128219.89 |
| 26 | 2027-07 | 13485.23 | 3055.60 | 10429.63 | 1117790.26 |
| 27 | 2027-08 | 13485.23 | 3027.35 | 10457.88 | 1107332.39 |
| 28 | 2027-09 | 13485.23 | 2999.03 | 10486.20 | 1096846.19 |
| 29 | 2027-10 | 13485.23 | 2970.63 | 10514.60 | 1086331.58 |
| 30 | 2027-11 | 13485.23 | 2942.15 | 10543.08 | 1075788.51 |
| 31 | 2027-12 | 13485.23 | 2913.59 | 10571.63 | 1065216.87 |
| 32 | 2028-01 | 13485.23 | 2884.96 | 10600.26 | 1054616.61 |
| 33 | 2028-02 | 13485.23 | 2856.25 | 10628.97 | 1043987.64 |
| 34 | 2028-03 | 13485.23 | 2827.47 | 10657.76 | 1033329.88 |
| 35 | 2028-04 | 13485.23 | 2798.60 | 10686.62 | 1022643.25 |
| 36 | 2028-05 | 13485.23 | 2769.66 | 10715.57 | 1011927.69 |
| 37 | 2028-06 | 13485.23 | 2740.64 | 10744.59 | 1001183.10 |
| 38 | 2028-07 | 13485.23 | 2711.54 | 10773.69 | 990409.41 |
| 39 | 2028-08 | 13485.23 | 2682.36 | 10802.87 | 979606.54 |
| 40 | 2028-09 | 13485.23 | 2653.10 | 10832.12 | 968774.42 |
| 41 | 2028-10 | 13485.23 | 2623.76 | 10861.46 | 957912.96 |
| 42 | 2028-11 | 13485.23 | 2594.35 | 10890.88 | 947022.08 |
| 43 | 2028-12 | 13485.23 | 2564.85 | 10920.37 | 936101.70 |
| 44 | 2029-01 | 13485.23 | 2535.28 | 10949.95 | 925151.75 |
| 45 | 2029-02 | 13485.23 | 2505.62 | 10979.61 | 914172.15 |
| 46 | 2029-03 | 13485.23 | 2475.88 | 11009.34 | 903162.80 |
| 47 | 2029-04 | 13485.23 | 2446.07 | 11039.16 | 892123.64 |
| 48 | 2029-05 | 13485.23 | 2416.17 | 11069.06 | 881054.59 |
| 49 | 2029-06 | 13485.23 | 2386.19 | 11099.04 | 869955.55 |
| 50 | 2029-07 | 13485.23 | 2356.13 | 11129.10 | 858826.45 |
| 51 | 2029-08 | 13485.23 | 2325.99 | 11159.24 | 847667.21 |
| 52 | 2029-09 | 13485.23 | 2295.77 | 11189.46 | 836477.75 |
| 53 | 2029-10 | 13485.23 | 2265.46 | 11219.77 | 825257.99 |
| 54 | 2029-11 | 13485.23 | 2235.07 | 11250.15 | 814007.84 |
| 55 | 2029-12 | 13485.23 | 2204.60 | 11280.62 | 802727.22 |
| 56 | 2030-01 | 13485.23 | 2174.05 | 11311.17 | 791416.04 |
| 57 | 2030-02 | 13485.23 | 2143.42 | 11341.81 | 780074.23 |
| 58 | 2030-03 | 13485.23 | 2112.70 | 11372.52 | 768701.71 |
| 59 | 2030-04 | 13485.23 | 2081.90 | 11403.33 | 757298.38 |
| 60 | 2030-05 | 13485.23 | 2051.02 | 11434.21 | 745864.17 |
| 61 | 2030-06 | 13485.23 | 2020.05 | 11465.18 | 734399.00 |
| 62 | 2030-07 | 13485.23 | 1989.00 | 11496.23 | 722902.77 |
| 63 | 2030-08 | 13485.23 | 1957.86 | 11527.36 | 711375.40 |
| 64 | 2030-09 | 13485.23 | 1926.64 | 11558.58 | 699816.82 |
| 65 | 2030-10 | 13485.23 | 1895.34 | 11589.89 | 688226.93 |
| 66 | 2030-11 | 13485.23 | 1863.95 | 11621.28 | 676605.65 |
| 67 | 2030-12 | 13485.23 | 1832.47 | 11652.75 | 664952.90 |
| 68 | 2031-01 | 13485.23 | 1800.91 | 11684.31 | 653268.59 |
| 69 | 2031-02 | 13485.23 | 1769.27 | 11715.96 | 641552.63 |
| 70 | 2031-03 | 13485.23 | 1737.54 | 11747.69 | 629804.94 |
| 71 | 2031-04 | 13485.23 | 1705.72 | 11779.50 | 618025.44 |
| 72 | 2031-05 | 13485.23 | 1673.82 | 11811.41 | 606214.03 |
| 73 | 2031-06 | 13485.23 | 1641.83 | 11843.40 | 594370.64 |
| 74 | 2031-07 | 13485.23 | 1609.75 | 11875.47 | 582495.16 |
| 75 | 2031-08 | 13485.23 | 1577.59 | 11907.63 | 570587.53 |
| 76 | 2031-09 | 13485.23 | 1545.34 | 11939.88 | 558647.64 |
| 77 | 2031-10 | 13485.23 | 1513.00 | 11972.22 | 546675.42 |
| 78 | 2031-11 | 13485.23 | 1480.58 | 12004.65 | 534670.78 |
| 79 | 2031-12 | 13485.23 | 1448.07 | 12037.16 | 522633.62 |
| 80 | 2032-01 | 13485.23 | 1415.47 | 12069.76 | 510563.86 |
| 81 | 2032-02 | 13485.23 | 1382.78 | 12102.45 | 498461.41 |
| 82 | 2032-03 | 13485.23 | 1350.00 | 12135.23 | 486326.18 |
| 83 | 2032-04 | 13485.23 | 1317.13 | 12168.09 | 474158.09 |
| 84 | 2032-05 | 13485.23 | 1284.18 | 12201.05 | 461957.04 |
| 85 | 2032-06 | 13485.23 | 1251.13 | 12234.09 | 449722.95 |
| 86 | 2032-07 | 13485.23 | 1218.00 | 12267.23 | 437455.72 |
| 87 | 2032-08 | 13485.23 | 1184.78 | 12300.45 | 425155.27 |
| 88 | 2032-09 | 13485.23 | 1151.46 | 12333.76 | 412821.51 |
| 89 | 2032-10 | 13485.23 | 1118.06 | 12367.17 | 400454.34 |
| 90 | 2032-11 | 13485.23 | 1084.56 | 12400.66 | 388053.68 |
| 91 | 2032-12 | 13485.23 | 1050.98 | 12434.25 | 375619.43 |
| 92 | 2033-01 | 13485.23 | 1017.30 | 12467.92 | 363151.51 |
| 93 | 2033-02 | 13485.23 | 983.54 | 12501.69 | 350649.82 |
| 94 | 2033-03 | 13485.23 | 949.68 | 12535.55 | 338114.27 |
| 95 | 2033-04 | 13485.23 | 915.73 | 12569.50 | 325544.77 |
| 96 | 2033-05 | 13485.23 | 881.68 | 12603.54 | 312941.23 |
| 97 | 2033-06 | 13485.23 | 847.55 | 12637.68 | 300303.55 |
| 98 | 2033-07 | 13485.23 | 813.32 | 12671.90 | 287631.65 |
| 99 | 2033-08 | 13485.23 | 779.00 | 12706.22 | 274925.42 |
| 100 | 2033-09 | 13485.23 | 744.59 | 12740.64 | 262184.79 |
| 101 | 2033-10 | 13485.23 | 710.08 | 12775.14 | 249409.64 |
| 102 | 2033-11 | 13485.23 | 675.48 | 12809.74 | 236599.90 |
| 103 | 2033-12 | 13485.23 | 640.79 | 12844.43 | 223755.47 |
| 104 | 2034-01 | 13485.23 | 606.00 | 12879.22 | 210876.25 |
| 105 | 2034-02 | 13485.23 | 571.12 | 12914.10 | 197962.14 |
| 106 | 2034-03 | 13485.23 | 536.15 | 12949.08 | 185013.06 |
| 107 | 2034-04 | 13485.23 | 501.08 | 12984.15 | 172028.91 |
| 108 | 2034-05 | 13485.23 | 465.91 | 13019.31 | 159009.60 |
| 109 | 2034-06 | 13485.23 | 430.65 | 13054.57 | 145955.03 |
| 110 | 2034-07 | 13485.23 | 395.29 | 13089.93 | 132865.09 |
| 111 | 2034-08 | 13485.23 | 359.84 | 13125.38 | 119739.71 |
| 112 | 2034-09 | 13485.23 | 324.30 | 13160.93 | 106578.78 |
| 113 | 2034-10 | 13485.23 | 288.65 | 13196.58 | 93382.21 |
| 114 | 2034-11 | 13485.23 | 252.91 | 13232.32 | 80149.89 |
| 115 | 2034-12 | 13485.23 | 217.07 | 13268.15 | 66881.74 |
| 116 | 2035-01 | 13485.23 | 181.14 | 13304.09 | 53577.65 |
| 117 | 2035-02 | 13485.23 | 145.11 | 13340.12 | 40237.53 |
| 118 | 2035-03 | 13485.23 | 108.98 | 13376.25 | 26861.28 |
| 119 | 2035-04 | 13485.23 | 72.75 | 13412.48 | 13448.80 |
| 120 | 2035-05 | 13485.23 | 36.42 | 13448.80 | 0.00 |
等额本金还款方式：
贷款总额：138万
还款月数：10年
首月还款：15237.5元
每月递减：31.15元
利息总额：22.61万
本息合计：160.61万
节省利息：12108.37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 | 15237.50 | 3737.50 | 11500.00 | 1368500.00 |
| 2 | 2025-07 | 15206.35 | 3706.35 | 11500.00 | 1357000.00 |
| 3 | 2025-08 | 15175.21 | 3675.21 | 11500.00 | 1345500.00 |
| 4 | 2025-09 | 15144.06 | 3644.06 | 11500.00 | 1334000.00 |
| 5 | 2025-10 | 15112.92 | 3612.92 | 11500.00 | 1322500.00 |
| 6 | 2025-11 | 15081.77 | 3581.77 | 11500.00 | 1311000.00 |
| 7 | 2025-12 | 15050.63 | 3550.63 | 11500.00 | 1299500.00 |
| 8 | 2026-01 | 15019.48 | 3519.48 | 11500.00 | 1288000.00 |
| 9 | 2026-02 | 14988.33 | 3488.33 | 11500.00 | 1276500.00 |
| 10 | 2026-03 | 14957.19 | 3457.19 | 11500.00 | 1265000.00 |
| 11 | 2026-04 | 14926.04 | 3426.04 | 11500.00 | 1253500.00 |
| 12 | 2026-05 | 14894.90 | 3394.90 | 11500.00 | 1242000.00 |
| 13 | 2026-06 | 14863.75 | 3363.75 | 11500.00 | 1230500.00 |
| 14 | 2026-07 | 14832.60 | 3332.60 | 11500.00 | 1219000.00 |
| 15 | 2026-08 | 14801.46 | 3301.46 | 11500.00 | 1207500.00 |
| 16 | 2026-09 | 14770.31 | 3270.31 | 11500.00 | 1196000.00 |
| 17 | 2026-10 | 14739.17 | 3239.17 | 11500.00 | 1184500.00 |
| 18 | 2026-11 | 14708.02 | 3208.02 | 11500.00 | 1173000.00 |
| 19 | 2026-12 | 14676.88 | 3176.88 | 11500.00 | 1161500.00 |
| 20 | 2027-01 | 14645.73 | 3145.73 | 11500.00 | 1150000.00 |
| 21 | 2027-02 | 14614.58 | 3114.58 | 11500.00 | 1138500.00 |
| 22 | 2027-03 | 14583.44 | 3083.44 | 11500.00 | 1127000.00 |
| 23 | 2027-04 | 14552.29 | 3052.29 | 11500.00 | 1115500.00 |
| 24 | 2027-05 | 14521.15 | 3021.15 | 11500.00 | 1104000.00 |
| 25 | 2027-06 | 14490.00 | 2990.00 | 11500.00 | 1092500.00 |
| 26 | 2027-07 | 14458.85 | 2958.85 | 11500.00 | 1081000.00 |
| 27 | 2027-08 | 14427.71 | 2927.71 | 11500.00 | 1069500.00 |
| 28 | 2027-09 | 14396.56 | 2896.56 | 11500.00 | 1058000.00 |
| 29 | 2027-10 | 14365.42 | 2865.42 | 11500.00 | 1046500.00 |
| 30 | 2027-11 | 14334.27 | 2834.27 | 11500.00 | 1035000.00 |
| 31 | 2027-12 | 14303.13 | 2803.13 | 11500.00 | 1023500.00 |
| 32 | 2028-01 | 14271.98 | 2771.98 | 11500.00 | 1012000.00 |
| 33 | 2028-02 | 14240.83 | 2740.83 | 11500.00 | 1000500.00 |
| 34 | 2028-03 | 14209.69 | 2709.69 | 11500.00 | 989000.00 |
| 35 | 2028-04 | 14178.54 | 2678.54 | 11500.00 | 977500.00 |
| 36 | 2028-05 | 14147.40 | 2647.40 | 11500.00 | 966000.00 |
| 37 | 2028-06 | 14116.25 | 2616.25 | 11500.00 | 954500.00 |
| 38 | 2028-07 | 14085.10 | 2585.10 | 11500.00 | 943000.00 |
| 39 | 2028-08 | 14053.96 | 2553.96 | 11500.00 | 931500.00 |
| 40 | 2028-09 | 14022.81 | 2522.81 | 11500.00 | 920000.00 |
| 41 | 2028-10 | 13991.67 | 2491.67 | 11500.00 | 908500.00 |
| 42 | 2028-11 | 13960.52 | 2460.52 | 11500.00 | 897000.00 |
| 43 | 2028-12 | 13929.38 | 2429.38 | 11500.00 | 885500.00 |
| 44 | 2029-01 | 13898.23 | 2398.23 | 11500.00 | 874000.00 |
| 45 | 2029-02 | 13867.08 | 2367.08 | 11500.00 | 862500.00 |
| 46 | 2029-03 | 13835.94 | 2335.94 | 11500.00 | 851000.00 |
| 47 | 2029-04 | 13804.79 | 2304.79 | 11500.00 | 839500.00 |
| 48 | 2029-05 | 13773.65 | 2273.65 | 11500.00 | 828000.00 |
| 49 | 2029-06 | 13742.50 | 2242.50 | 11500.00 | 816500.00 |
| 50 | 2029-07 | 13711.35 | 2211.35 | 11500.00 | 805000.00 |
| 51 | 2029-08 | 13680.21 | 2180.21 | 11500.00 | 793500.00 |
| 52 | 2029-09 | 13649.06 | 2149.06 | 11500.00 | 782000.00 |
| 53 | 2029-10 | 13617.92 | 2117.92 | 11500.00 | 770500.00 |
| 54 | 2029-11 | 13586.77 | 2086.77 | 11500.00 | 759000.00 |
| 55 | 2029-12 | 13555.63 | 2055.63 | 11500.00 | 747500.00 |
| 56 | 2030-01 | 13524.48 | 2024.48 | 11500.00 | 736000.00 |
| 57 | 2030-02 | 13493.33 | 1993.33 | 11500.00 | 724500.00 |
| 58 | 2030-03 | 13462.19 | 1962.19 | 11500.00 | 713000.00 |
| 59 | 2030-04 | 13431.04 | 1931.04 | 11500.00 | 701500.00 |
| 60 | 2030-05 | 13399.90 | 1899.90 | 11500.00 | 690000.00 |
| 61 | 2030-06 | 13368.75 | 1868.75 | 11500.00 | 678500.00 |
| 62 | 2030-07 | 13337.60 | 1837.60 | 11500.00 | 667000.00 |
| 63 | 2030-08 | 13306.46 | 1806.46 | 11500.00 | 655500.00 |
| 64 | 2030-09 | 13275.31 | 1775.31 | 11500.00 | 644000.00 |
| 65 | 2030-10 | 13244.17 | 1744.17 | 11500.00 | 632500.00 |
| 66 | 2030-11 | 13213.02 | 1713.02 | 11500.00 | 621000.00 |
| 67 | 2030-12 | 13181.88 | 1681.88 | 11500.00 | 609500.00 |
| 68 | 2031-01 | 13150.73 | 1650.73 | 11500.00 | 598000.00 |
| 69 | 2031-02 | 13119.58 | 1619.58 | 11500.00 | 586500.00 |
| 70 | 2031-03 | 13088.44 | 1588.44 | 11500.00 | 575000.00 |
| 71 | 2031-04 | 13057.29 | 1557.29 | 11500.00 | 563500.00 |
| 72 | 2031-05 | 13026.15 | 1526.15 | 11500.00 | 552000.00 |
| 73 | 2031-06 | 12995.00 | 1495.00 | 11500.00 | 540500.00 |
| 74 | 2031-07 | 12963.85 | 1463.85 | 11500.00 | 529000.00 |
| 75 | 2031-08 | 12932.71 | 1432.71 | 11500.00 | 517500.00 |
| 76 | 2031-09 | 12901.56 | 1401.56 | 11500.00 | 506000.00 |
| 77 | 2031-10 | 12870.42 | 1370.42 | 11500.00 | 494500.00 |
| 78 | 2031-11 | 12839.27 | 1339.27 | 11500.00 | 483000.00 |
| 79 | 2031-12 | 12808.13 | 1308.13 | 11500.00 | 471500.00 |
| 80 | 2032-01 | 12776.98 | 1276.98 | 11500.00 | 460000.00 |
| 81 | 2032-02 | 12745.83 | 1245.83 | 11500.00 | 448500.00 |
| 82 | 2032-03 | 12714.69 | 1214.69 | 11500.00 | 437000.00 |
| 83 | 2032-04 | 12683.54 | 1183.54 | 11500.00 | 425500.00 |
| 84 | 2032-05 | 12652.40 | 1152.40 | 11500.00 | 414000.00 |
| 85 | 2032-06 | 12621.25 | 1121.25 | 11500.00 | 402500.00 |
| 86 | 2032-07 | 12590.10 | 1090.10 | 11500.00 | 391000.00 |
| 87 | 2032-08 | 12558.96 | 1058.96 | 11500.00 | 379500.00 |
| 88 | 2032-09 | 12527.81 | 1027.81 | 11500.00 | 368000.00 |
| 89 | 2032-10 | 12496.67 | 996.67 | 11500.00 | 356500.00 |
| 90 | 2032-11 | 12465.52 | 965.52 | 11500.00 | 345000.00 |
| 91 | 2032-12 | 12434.38 | 934.38 | 11500.00 | 333500.00 |
| 92 | 2033-01 | 12403.23 | 903.23 | 11500.00 | 322000.00 |
| 93 | 2033-02 | 12372.08 | 872.08 | 11500.00 | 310500.00 |
| 94 | 2033-03 | 12340.94 | 840.94 | 11500.00 | 299000.00 |
| 95 | 2033-04 | 12309.79 | 809.79 | 11500.00 | 287500.00 |
| 96 | 2033-05 | 12278.65 | 778.65 | 11500.00 | 276000.00 |
| 97 | 2033-06 | 12247.50 | 747.50 | 11500.00 | 264500.00 |
| 98 | 2033-07 | 12216.35 | 716.35 | 11500.00 | 253000.00 |
| 99 | 2033-08 | 12185.21 | 685.21 | 11500.00 | 241500.00 |
| 100 | 2033-09 | 12154.06 | 654.06 | 11500.00 | 230000.00 |
| 101 | 2033-10 | 12122.92 | 622.92 | 11500.00 | 218500.00 |
| 102 | 2033-11 | 12091.77 | 591.77 | 11500.00 | 207000.00 |
| 103 | 2033-12 | 12060.63 | 560.63 | 11500.00 | 195500.00 |
| 104 | 2034-01 | 12029.48 | 529.48 | 11500.00 | 184000.00 |
| 105 | 2034-02 | 11998.33 | 498.33 | 11500.00 | 172500.00 |
| 106 | 2034-03 | 11967.19 | 467.19 | 11500.00 | 161000.00 |
| 107 | 2034-04 | 11936.04 | 436.04 | 11500.00 | 149500.00 |
| 108 | 2034-05 | 11904.90 | 404.90 | 11500.00 | 138000.00 |
| 109 | 2034-06 | 11873.75 | 373.75 | 11500.00 | 126500.00 |
| 110 | 2034-07 | 11842.60 | 342.60 | 11500.00 | 115000.00 |
| 111 | 2034-08 | 11811.46 | 311.46 | 11500.00 | 103500.00 |
| 112 | 2034-09 | 11780.31 | 280.31 | 11500.00 | 92000.00 |
| 113 | 2034-10 | 11749.17 | 249.17 | 11500.00 | 80500.00 |
| 114 | 2034-11 | 11718.02 | 218.02 | 11500.00 | 69000.00 |
| 115 | 2034-12 | 11686.88 | 186.88 | 11500.00 | 57500.00 |
| 116 | 2035-01 | 11655.73 | 155.73 | 11500.00 | 46000.00 |
| 117 | 2035-02 | 11624.58 | 124.58 | 11500.00 | 34500.00 |
| 118 | 2035-03 | 11593.44 | 93.44 | 11500.00 | 23000.00 |
| 119 | 2035-04 | 11562.29 | 62.29 | 11500.00 | 11500.00 |
| 120 | 2035-05 | 11531.15 | 31.15 | 11500.00 | 0.00 |