贷款3.02万（公积金贷款）房贷，还款7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：3.02万
还款月数：7年4个月
每月还款：376.69元
利息总额：2998.16元
本息合计：3.31万
| 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 | 376.69 | 65.33 | 311.36 | 29838.93 |
| 2 | 2025-07 | 376.69 | 64.65 | 312.04 | 29526.89 |
| 3 | 2025-08 | 376.69 | 63.97 | 312.71 | 29214.18 |
| 4 | 2025-09 | 376.69 | 63.30 | 313.39 | 28900.79 |
| 5 | 2025-10 | 376.69 | 62.62 | 314.07 | 28586.72 |
| 6 | 2025-11 | 376.69 | 61.94 | 314.75 | 28271.97 |
| 7 | 2025-12 | 376.69 | 61.26 | 315.43 | 27956.54 |
| 8 | 2026-01 | 376.69 | 60.57 | 316.11 | 27640.43 |
| 9 | 2026-02 | 376.69 | 59.89 | 316.80 | 27323.63 |
| 10 | 2026-03 | 376.69 | 59.20 | 317.49 | 27006.14 |
| 11 | 2026-04 | 376.69 | 58.51 | 318.17 | 26687.97 |
| 12 | 2026-05 | 376.69 | 57.82 | 318.86 | 26369.11 |
| 13 | 2026-06 | 376.69 | 57.13 | 319.55 | 26049.55 |
| 14 | 2026-07 | 376.69 | 56.44 | 320.25 | 25729.31 |
| 15 | 2026-08 | 376.69 | 55.75 | 320.94 | 25408.37 |
| 16 | 2026-09 | 376.69 | 55.05 | 321.64 | 25086.73 |
| 17 | 2026-10 | 376.69 | 54.35 | 322.33 | 24764.40 |
| 18 | 2026-11 | 376.69 | 53.66 | 323.03 | 24441.37 |
| 19 | 2026-12 | 376.69 | 52.96 | 323.73 | 24117.64 |
| 20 | 2027-01 | 376.69 | 52.25 | 324.43 | 23793.20 |
| 21 | 2027-02 | 376.69 | 51.55 | 325.14 | 23468.07 |
| 22 | 2027-03 | 376.69 | 50.85 | 325.84 | 23142.23 |
| 23 | 2027-04 | 376.69 | 50.14 | 326.55 | 22815.68 |
| 24 | 2027-05 | 376.69 | 49.43 | 327.25 | 22488.43 |
| 25 | 2027-06 | 376.69 | 48.72 | 327.96 | 22160.47 |
| 26 | 2027-07 | 376.69 | 48.01 | 328.67 | 21831.80 |
| 27 | 2027-08 | 376.69 | 47.30 | 329.38 | 21502.41 |
| 28 | 2027-09 | 376.69 | 46.59 | 330.10 | 21172.31 |
| 29 | 2027-10 | 376.69 | 45.87 | 330.81 | 20841.50 |
| 30 | 2027-11 | 376.69 | 45.16 | 331.53 | 20509.97 |
| 31 | 2027-12 | 376.69 | 44.44 | 332.25 | 20177.72 |
| 32 | 2028-01 | 376.69 | 43.72 | 332.97 | 19844.75 |
| 33 | 2028-02 | 376.69 | 43.00 | 333.69 | 19511.06 |
| 34 | 2028-03 | 376.69 | 42.27 | 334.41 | 19176.65 |
| 35 | 2028-04 | 376.69 | 41.55 | 335.14 | 18841.51 |
| 36 | 2028-05 | 376.69 | 40.82 | 335.86 | 18505.65 |
| 37 | 2028-06 | 376.69 | 40.10 | 336.59 | 18169.06 |
| 38 | 2028-07 | 376.69 | 39.37 | 337.32 | 17831.74 |
| 39 | 2028-08 | 376.69 | 38.64 | 338.05 | 17493.68 |
| 40 | 2028-09 | 376.69 | 37.90 | 338.78 | 17154.90 |
| 41 | 2028-10 | 376.69 | 37.17 | 339.52 | 16815.38 |
| 42 | 2028-11 | 376.69 | 36.43 | 340.25 | 16475.13 |
| 43 | 2028-12 | 376.69 | 35.70 | 340.99 | 16134.14 |
| 44 | 2029-01 | 376.69 | 34.96 | 341.73 | 15792.41 |
| 45 | 2029-02 | 376.69 | 34.22 | 342.47 | 15449.94 |
| 46 | 2029-03 | 376.69 | 33.47 | 343.21 | 15106.73 |
| 47 | 2029-04 | 376.69 | 32.73 | 343.96 | 14762.77 |
| 48 | 2029-05 | 376.69 | 31.99 | 344.70 | 14418.07 |
| 49 | 2029-06 | 376.69 | 31.24 | 345.45 | 14072.62 |
| 50 | 2029-07 | 376.69 | 30.49 | 346.20 | 13726.42 |
| 51 | 2029-08 | 376.69 | 29.74 | 346.95 | 13379.48 |
| 52 | 2029-09 | 376.69 | 28.99 | 347.70 | 13031.78 |
| 53 | 2029-10 | 376.69 | 28.24 | 348.45 | 12683.33 |
| 54 | 2029-11 | 376.69 | 27.48 | 349.21 | 12334.12 |
| 55 | 2029-12 | 376.69 | 26.72 | 349.96 | 11984.16 |
| 56 | 2030-01 | 376.69 | 25.97 | 350.72 | 11633.44 |
| 57 | 2030-02 | 376.69 | 25.21 | 351.48 | 11281.96 |
| 58 | 2030-03 | 376.69 | 24.44 | 352.24 | 10929.71 |
| 59 | 2030-04 | 376.69 | 23.68 | 353.01 | 10576.71 |
| 60 | 2030-05 | 376.69 | 22.92 | 353.77 | 10222.94 |
| 61 | 2030-06 | 376.69 | 22.15 | 354.54 | 9868.40 |
| 62 | 2030-07 | 376.69 | 21.38 | 355.31 | 9513.09 |
| 63 | 2030-08 | 376.69 | 20.61 | 356.08 | 9157.02 |
| 64 | 2030-09 | 376.69 | 19.84 | 356.85 | 8800.17 |
| 65 | 2030-10 | 376.69 | 19.07 | 357.62 | 8442.55 |
| 66 | 2030-11 | 376.69 | 18.29 | 358.39 | 8084.16 |
| 67 | 2030-12 | 376.69 | 17.52 | 359.17 | 7724.99 |
| 68 | 2031-01 | 376.69 | 16.74 | 359.95 | 7365.04 |
| 69 | 2031-02 | 376.69 | 15.96 | 360.73 | 7004.31 |
| 70 | 2031-03 | 376.69 | 15.18 | 361.51 | 6642.80 |
| 71 | 2031-04 | 376.69 | 14.39 | 362.29 | 6280.50 |
| 72 | 2031-05 | 376.69 | 13.61 | 363.08 | 5917.42 |
| 73 | 2031-06 | 376.69 | 12.82 | 363.87 | 5553.56 |
| 74 | 2031-07 | 376.69 | 12.03 | 364.65 | 5188.90 |
| 75 | 2031-08 | 376.69 | 11.24 | 365.44 | 4823.46 |
| 76 | 2031-09 | 376.69 | 10.45 | 366.24 | 4457.22 |
| 77 | 2031-10 | 376.69 | 9.66 | 367.03 | 4090.19 |
| 78 | 2031-11 | 376.69 | 8.86 | 367.82 | 3722.37 |
| 79 | 2031-12 | 376.69 | 8.07 | 368.62 | 3353.75 |
| 80 | 2032-01 | 376.69 | 7.27 | 369.42 | 2984.33 |
| 81 | 2032-02 | 376.69 | 6.47 | 370.22 | 2614.10 |
| 82 | 2032-03 | 376.69 | 5.66 | 371.02 | 2243.08 |
| 83 | 2032-04 | 376.69 | 4.86 | 371.83 | 1871.25 |
| 84 | 2032-05 | 376.69 | 4.05 | 372.63 | 1498.62 |
| 85 | 2032-06 | 376.69 | 3.25 | 373.44 | 1125.18 |
| 86 | 2032-07 | 376.69 | 2.44 | 374.25 | 750.93 |
| 87 | 2032-08 | 376.69 | 1.63 | 375.06 | 375.87 |
| 88 | 2032-09 | 376.69 | 0.81 | 375.87 | 0.00 |
等额本金还款方式：
贷款总额：3.02万
还款月数：7年4个月
首月还款：407.94元
每月递减：0.74元
利息总额：2906.99元
本息合计：3.31万
节省利息：91.17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 | 407.94 | 65.33 | 342.62 | 29807.67 |
| 2 | 2025-07 | 407.20 | 64.58 | 342.62 | 29465.06 |
| 3 | 2025-08 | 406.46 | 63.84 | 342.62 | 29122.44 |
| 4 | 2025-09 | 405.72 | 63.10 | 342.62 | 28779.82 |
| 5 | 2025-10 | 404.97 | 62.36 | 342.62 | 28437.21 |
| 6 | 2025-11 | 404.23 | 61.61 | 342.62 | 28094.59 |
| 7 | 2025-12 | 403.49 | 60.87 | 342.62 | 27751.97 |
| 8 | 2026-01 | 402.75 | 60.13 | 342.62 | 27409.35 |
| 9 | 2026-02 | 402.00 | 59.39 | 342.62 | 27066.74 |
| 10 | 2026-03 | 401.26 | 58.64 | 342.62 | 26724.12 |
| 11 | 2026-04 | 400.52 | 57.90 | 342.62 | 26381.50 |
| 12 | 2026-05 | 399.78 | 57.16 | 342.62 | 26038.89 |
| 13 | 2026-06 | 399.03 | 56.42 | 342.62 | 25696.27 |
| 14 | 2026-07 | 398.29 | 55.68 | 342.62 | 25353.65 |
| 15 | 2026-08 | 397.55 | 54.93 | 342.62 | 25011.04 |
| 16 | 2026-09 | 396.81 | 54.19 | 342.62 | 24668.42 |
| 17 | 2026-10 | 396.07 | 53.45 | 342.62 | 24325.80 |
| 18 | 2026-11 | 395.32 | 52.71 | 342.62 | 23983.19 |
| 19 | 2026-12 | 394.58 | 51.96 | 342.62 | 23640.57 |
| 20 | 2027-01 | 393.84 | 51.22 | 342.62 | 23297.95 |
| 21 | 2027-02 | 393.10 | 50.48 | 342.62 | 22955.33 |
| 22 | 2027-03 | 392.35 | 49.74 | 342.62 | 22612.72 |
| 23 | 2027-04 | 391.61 | 48.99 | 342.62 | 22270.10 |
| 24 | 2027-05 | 390.87 | 48.25 | 342.62 | 21927.48 |
| 25 | 2027-06 | 390.13 | 47.51 | 342.62 | 21584.87 |
| 26 | 2027-07 | 389.38 | 46.77 | 342.62 | 21242.25 |
| 27 | 2027-08 | 388.64 | 46.02 | 342.62 | 20899.63 |
| 28 | 2027-09 | 387.90 | 45.28 | 342.62 | 20557.02 |
| 29 | 2027-10 | 387.16 | 44.54 | 342.62 | 20214.40 |
| 30 | 2027-11 | 386.41 | 43.80 | 342.62 | 19871.78 |
| 31 | 2027-12 | 385.67 | 43.06 | 342.62 | 19529.17 |
| 32 | 2028-01 | 384.93 | 42.31 | 342.62 | 19186.55 |
| 33 | 2028-02 | 384.19 | 41.57 | 342.62 | 18843.93 |
| 34 | 2028-03 | 383.45 | 40.83 | 342.62 | 18501.31 |
| 35 | 2028-04 | 382.70 | 40.09 | 342.62 | 18158.70 |
| 36 | 2028-05 | 381.96 | 39.34 | 342.62 | 17816.08 |
| 37 | 2028-06 | 381.22 | 38.60 | 342.62 | 17473.46 |
| 38 | 2028-07 | 380.48 | 37.86 | 342.62 | 17130.85 |
| 39 | 2028-08 | 379.73 | 37.12 | 342.62 | 16788.23 |
| 40 | 2028-09 | 378.99 | 36.37 | 342.62 | 16445.61 |
| 41 | 2028-10 | 378.25 | 35.63 | 342.62 | 16103.00 |
| 42 | 2028-11 | 377.51 | 34.89 | 342.62 | 15760.38 |
| 43 | 2028-12 | 376.76 | 34.15 | 342.62 | 15417.76 |
| 44 | 2029-01 | 376.02 | 33.41 | 342.62 | 15075.14 |
| 45 | 2029-02 | 375.28 | 32.66 | 342.62 | 14732.53 |
| 46 | 2029-03 | 374.54 | 31.92 | 342.62 | 14389.91 |
| 47 | 2029-04 | 373.80 | 31.18 | 342.62 | 14047.29 |
| 48 | 2029-05 | 373.05 | 30.44 | 342.62 | 13704.68 |
| 49 | 2029-06 | 372.31 | 29.69 | 342.62 | 13362.06 |
| 50 | 2029-07 | 371.57 | 28.95 | 342.62 | 13019.44 |
| 51 | 2029-08 | 370.83 | 28.21 | 342.62 | 12676.83 |
| 52 | 2029-09 | 370.08 | 27.47 | 342.62 | 12334.21 |
| 53 | 2029-10 | 369.34 | 26.72 | 342.62 | 11991.59 |
| 54 | 2029-11 | 368.60 | 25.98 | 342.62 | 11648.98 |
| 55 | 2029-12 | 367.86 | 25.24 | 342.62 | 11306.36 |
| 56 | 2030-01 | 367.11 | 24.50 | 342.62 | 10963.74 |
| 57 | 2030-02 | 366.37 | 23.75 | 342.62 | 10621.12 |
| 58 | 2030-03 | 365.63 | 23.01 | 342.62 | 10278.51 |
| 59 | 2030-04 | 364.89 | 22.27 | 342.62 | 9935.89 |
| 60 | 2030-05 | 364.14 | 21.53 | 342.62 | 9593.27 |
| 61 | 2030-06 | 363.40 | 20.79 | 342.62 | 9250.66 |
| 62 | 2030-07 | 362.66 | 20.04 | 342.62 | 8908.04 |
| 63 | 2030-08 | 361.92 | 19.30 | 342.62 | 8565.42 |
| 64 | 2030-09 | 361.18 | 18.56 | 342.62 | 8222.81 |
| 65 | 2030-10 | 360.43 | 17.82 | 342.62 | 7880.19 |
| 66 | 2030-11 | 359.69 | 17.07 | 342.62 | 7537.57 |
| 67 | 2030-12 | 358.95 | 16.33 | 342.62 | 7194.96 |
| 68 | 2031-01 | 358.21 | 15.59 | 342.62 | 6852.34 |
| 69 | 2031-02 | 357.46 | 14.85 | 342.62 | 6509.72 |
| 70 | 2031-03 | 356.72 | 14.10 | 342.62 | 6167.10 |
| 71 | 2031-04 | 355.98 | 13.36 | 342.62 | 5824.49 |
| 72 | 2031-05 | 355.24 | 12.62 | 342.62 | 5481.87 |
| 73 | 2031-06 | 354.49 | 11.88 | 342.62 | 5139.25 |
| 74 | 2031-07 | 353.75 | 11.14 | 342.62 | 4796.64 |
| 75 | 2031-08 | 353.01 | 10.39 | 342.62 | 4454.02 |
| 76 | 2031-09 | 352.27 | 9.65 | 342.62 | 4111.40 |
| 77 | 2031-10 | 351.52 | 8.91 | 342.62 | 3768.79 |
| 78 | 2031-11 | 350.78 | 8.17 | 342.62 | 3426.17 |
| 79 | 2031-12 | 350.04 | 7.42 | 342.62 | 3083.55 |
| 80 | 2032-01 | 349.30 | 6.68 | 342.62 | 2740.94 |
| 81 | 2032-02 | 348.56 | 5.94 | 342.62 | 2398.32 |
| 82 | 2032-03 | 347.81 | 5.20 | 342.62 | 2055.70 |
| 83 | 2032-04 | 347.07 | 4.45 | 342.62 | 1713.08 |
| 84 | 2032-05 | 346.33 | 3.71 | 342.62 | 1370.47 |
| 85 | 2032-06 | 345.59 | 2.97 | 342.62 | 1027.85 |
| 86 | 2032-07 | 344.84 | 2.23 | 342.62 | 685.23 |
| 87 | 2032-08 | 344.10 | 1.48 | 342.62 | 342.62 |
| 88 | 2032-09 | 343.36 | 0.74 | 342.62 | 0.00 |