贷款1.64万（公积金贷款）房贷，还款6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：1.64万
还款月数：6年4个月
每月还款：233.84元
利息总额：1402.38元
本息合计：1.78万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 233.84 | 35.47 | 198.37 | 16170.74 |
| 2 | 2025-08 | 233.84 | 35.04 | 198.80 | 15971.94 |
| 3 | 2025-09 | 233.84 | 34.61 | 199.23 | 15772.71 |
| 4 | 2025-10 | 233.84 | 34.17 | 199.66 | 15573.05 |
| 5 | 2025-11 | 233.84 | 33.74 | 200.09 | 15372.96 |
| 6 | 2025-12 | 233.84 | 33.31 | 200.53 | 15172.43 |
| 7 | 2026-01 | 233.84 | 32.87 | 200.96 | 14971.47 |
| 8 | 2026-02 | 233.84 | 32.44 | 201.40 | 14770.07 |
| 9 | 2026-03 | 233.84 | 32.00 | 201.83 | 14568.24 |
| 10 | 2026-04 | 233.84 | 31.56 | 202.27 | 14365.97 |
| 11 | 2026-05 | 233.84 | 31.13 | 202.71 | 14163.26 |
| 12 | 2026-06 | 233.84 | 30.69 | 203.15 | 13960.11 |
| 13 | 2026-07 | 233.84 | 30.25 | 203.59 | 13756.52 |
| 14 | 2026-08 | 233.84 | 29.81 | 204.03 | 13552.49 |
| 15 | 2026-09 | 233.84 | 29.36 | 204.47 | 13348.02 |
| 16 | 2026-10 | 233.84 | 28.92 | 204.91 | 13143.10 |
| 17 | 2026-11 | 233.84 | 28.48 | 205.36 | 12937.75 |
| 18 | 2026-12 | 233.84 | 28.03 | 205.80 | 12731.94 |
| 19 | 2027-01 | 233.84 | 27.59 | 206.25 | 12525.69 |
| 20 | 2027-02 | 233.84 | 27.14 | 206.70 | 12319.00 |
| 21 | 2027-03 | 233.84 | 26.69 | 207.14 | 12111.85 |
| 22 | 2027-04 | 233.84 | 26.24 | 207.59 | 11904.26 |
| 23 | 2027-05 | 233.84 | 25.79 | 208.04 | 11696.22 |
| 24 | 2027-06 | 233.84 | 25.34 | 208.49 | 11487.72 |
| 25 | 2027-07 | 233.84 | 24.89 | 208.95 | 11278.78 |
| 26 | 2027-08 | 233.84 | 24.44 | 209.40 | 11069.38 |
| 27 | 2027-09 | 233.84 | 23.98 | 209.85 | 10859.53 |
| 28 | 2027-10 | 233.84 | 23.53 | 210.31 | 10649.22 |
| 29 | 2027-11 | 233.84 | 23.07 | 210.76 | 10438.46 |
| 30 | 2027-12 | 233.84 | 22.62 | 211.22 | 10227.24 |
| 31 | 2028-01 | 233.84 | 22.16 | 211.68 | 10015.56 |
| 32 | 2028-02 | 233.84 | 21.70 | 212.14 | 9803.43 |
| 33 | 2028-03 | 233.84 | 21.24 | 212.59 | 9590.83 |
| 34 | 2028-04 | 233.84 | 20.78 | 213.06 | 9377.78 |
| 35 | 2028-05 | 233.84 | 20.32 | 213.52 | 9164.26 |
| 36 | 2028-06 | 233.84 | 19.86 | 213.98 | 8950.28 |
| 37 | 2028-07 | 233.84 | 19.39 | 214.44 | 8735.84 |
| 38 | 2028-08 | 233.84 | 18.93 | 214.91 | 8520.93 |
| 39 | 2028-09 | 233.84 | 18.46 | 215.37 | 8305.56 |
| 40 | 2028-10 | 233.84 | 18.00 | 215.84 | 8089.72 |
| 41 | 2028-11 | 233.84 | 17.53 | 216.31 | 7873.41 |
| 42 | 2028-12 | 233.84 | 17.06 | 216.78 | 7656.63 |
| 43 | 2029-01 | 233.84 | 16.59 | 217.25 | 7439.39 |
| 44 | 2029-02 | 233.84 | 16.12 | 217.72 | 7221.67 |
| 45 | 2029-03 | 233.84 | 15.65 | 218.19 | 7003.48 |
| 46 | 2029-04 | 233.84 | 15.17 | 218.66 | 6784.82 |
| 47 | 2029-05 | 233.84 | 14.70 | 219.13 | 6565.69 |
| 48 | 2029-06 | 233.84 | 14.23 | 219.61 | 6346.08 |
| 49 | 2029-07 | 233.84 | 13.75 | 220.09 | 6125.99 |
| 50 | 2029-08 | 233.84 | 13.27 | 220.56 | 5905.43 |
| 51 | 2029-09 | 233.84 | 12.80 | 221.04 | 5684.39 |
| 52 | 2029-10 | 233.84 | 12.32 | 221.52 | 5462.87 |
| 53 | 2029-11 | 233.84 | 11.84 | 222.00 | 5240.87 |
| 54 | 2029-12 | 233.84 | 11.36 | 222.48 | 5018.39 |
| 55 | 2030-01 | 233.84 | 10.87 | 222.96 | 4795.43 |
| 56 | 2030-02 | 233.84 | 10.39 | 223.45 | 4571.98 |
| 57 | 2030-03 | 233.84 | 9.91 | 223.93 | 4348.05 |
| 58 | 2030-04 | 233.84 | 9.42 | 224.41 | 4123.64 |
| 59 | 2030-05 | 233.84 | 8.93 | 224.90 | 3898.74 |
| 60 | 2030-06 | 233.84 | 8.45 | 225.39 | 3673.35 |
| 61 | 2030-07 | 233.84 | 7.96 | 225.88 | 3447.47 |
| 62 | 2030-08 | 233.84 | 7.47 | 226.37 | 3221.11 |
| 63 | 2030-09 | 233.84 | 6.98 | 226.86 | 2994.25 |
| 64 | 2030-10 | 233.84 | 6.49 | 227.35 | 2766.90 |
| 65 | 2030-11 | 233.84 | 5.99 | 227.84 | 2539.06 |
| 66 | 2030-12 | 233.84 | 5.50 | 228.33 | 2310.73 |
| 67 | 2031-01 | 233.84 | 5.01 | 228.83 | 2081.90 |
| 68 | 2031-02 | 233.84 | 4.51 | 229.32 | 1852.58 |
| 69 | 2031-03 | 233.84 | 4.01 | 229.82 | 1622.75 |
| 70 | 2031-04 | 233.84 | 3.52 | 230.32 | 1392.43 |
| 71 | 2031-05 | 233.84 | 3.02 | 230.82 | 1161.62 |
| 72 | 2031-06 | 233.84 | 2.52 | 231.32 | 930.30 |
| 73 | 2031-07 | 233.84 | 2.02 | 231.82 | 698.48 |
| 74 | 2031-08 | 233.84 | 1.51 | 232.32 | 466.16 |
| 75 | 2031-09 | 233.84 | 1.01 | 232.83 | 233.33 |
| 76 | 2031-10 | 233.84 | 0.51 | 233.33 | 0.00 |
等额本金还款方式：
贷款总额：1.64万
还款月数：6年4个月
首月还款：250.85元
每月递减：0.47元
利息总额：1365.46元
本息合计：1.77万
节省利息：36.92元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-07 | 250.85 | 35.47 | 215.38 | 16153.73 |
| 2 | 2025-08 | 250.38 | 35.00 | 215.38 | 15938.34 |
| 3 | 2025-09 | 249.92 | 34.53 | 215.38 | 15722.96 |
| 4 | 2025-10 | 249.45 | 34.07 | 215.38 | 15507.58 |
| 5 | 2025-11 | 248.98 | 33.60 | 215.38 | 15292.19 |
| 6 | 2025-12 | 248.52 | 33.13 | 215.38 | 15076.81 |
| 7 | 2026-01 | 248.05 | 32.67 | 215.38 | 14861.43 |
| 8 | 2026-02 | 247.58 | 32.20 | 215.38 | 14646.05 |
| 9 | 2026-03 | 247.12 | 31.73 | 215.38 | 14430.66 |
| 10 | 2026-04 | 246.65 | 31.27 | 215.38 | 14215.28 |
| 11 | 2026-05 | 246.18 | 30.80 | 215.38 | 13999.90 |
| 12 | 2026-06 | 245.72 | 30.33 | 215.38 | 13784.51 |
| 13 | 2026-07 | 245.25 | 29.87 | 215.38 | 13569.13 |
| 14 | 2026-08 | 244.78 | 29.40 | 215.38 | 13353.75 |
| 15 | 2026-09 | 244.32 | 28.93 | 215.38 | 13138.36 |
| 16 | 2026-10 | 243.85 | 28.47 | 215.38 | 12922.98 |
| 17 | 2026-11 | 243.38 | 28.00 | 215.38 | 12707.60 |
| 18 | 2026-12 | 242.92 | 27.53 | 215.38 | 12492.22 |
| 19 | 2027-01 | 242.45 | 27.07 | 215.38 | 12276.83 |
| 20 | 2027-02 | 241.98 | 26.60 | 215.38 | 12061.45 |
| 21 | 2027-03 | 241.52 | 26.13 | 215.38 | 11846.07 |
| 22 | 2027-04 | 241.05 | 25.67 | 215.38 | 11630.68 |
| 23 | 2027-05 | 240.58 | 25.20 | 215.38 | 11415.30 |
| 24 | 2027-06 | 240.12 | 24.73 | 215.38 | 11199.92 |
| 25 | 2027-07 | 239.65 | 24.27 | 215.38 | 10984.53 |
| 26 | 2027-08 | 239.18 | 23.80 | 215.38 | 10769.15 |
| 27 | 2027-09 | 238.72 | 23.33 | 215.38 | 10553.77 |
| 28 | 2027-10 | 238.25 | 22.87 | 215.38 | 10338.39 |
| 29 | 2027-11 | 237.78 | 22.40 | 215.38 | 10123.00 |
| 30 | 2027-12 | 237.32 | 21.93 | 215.38 | 9907.62 |
| 31 | 2028-01 | 236.85 | 21.47 | 215.38 | 9692.24 |
| 32 | 2028-02 | 236.38 | 21.00 | 215.38 | 9476.85 |
| 33 | 2028-03 | 235.92 | 20.53 | 215.38 | 9261.47 |
| 34 | 2028-04 | 235.45 | 20.07 | 215.38 | 9046.09 |
| 35 | 2028-05 | 234.98 | 19.60 | 215.38 | 8830.70 |
| 36 | 2028-06 | 234.52 | 19.13 | 215.38 | 8615.32 |
| 37 | 2028-07 | 234.05 | 18.67 | 215.38 | 8399.94 |
| 38 | 2028-08 | 233.58 | 18.20 | 215.38 | 8184.56 |
| 39 | 2028-09 | 233.12 | 17.73 | 215.38 | 7969.17 |
| 40 | 2028-10 | 232.65 | 17.27 | 215.38 | 7753.79 |
| 41 | 2028-11 | 232.18 | 16.80 | 215.38 | 7538.41 |
| 42 | 2028-12 | 231.72 | 16.33 | 215.38 | 7323.02 |
| 43 | 2029-01 | 231.25 | 15.87 | 215.38 | 7107.64 |
| 44 | 2029-02 | 230.78 | 15.40 | 215.38 | 6892.26 |
| 45 | 2029-03 | 230.32 | 14.93 | 215.38 | 6676.87 |
| 46 | 2029-04 | 229.85 | 14.47 | 215.38 | 6461.49 |
| 47 | 2029-05 | 229.38 | 14.00 | 215.38 | 6246.11 |
| 48 | 2029-06 | 228.92 | 13.53 | 215.38 | 6030.72 |
| 49 | 2029-07 | 228.45 | 13.07 | 215.38 | 5815.34 |
| 50 | 2029-08 | 227.98 | 12.60 | 215.38 | 5599.96 |
| 51 | 2029-09 | 227.52 | 12.13 | 215.38 | 5384.58 |
| 52 | 2029-10 | 227.05 | 11.67 | 215.38 | 5169.19 |
| 53 | 2029-11 | 226.58 | 11.20 | 215.38 | 4953.81 |
| 54 | 2029-12 | 226.12 | 10.73 | 215.38 | 4738.43 |
| 55 | 2030-01 | 225.65 | 10.27 | 215.38 | 4523.04 |
| 56 | 2030-02 | 225.18 | 9.80 | 215.38 | 4307.66 |
| 57 | 2030-03 | 224.72 | 9.33 | 215.38 | 4092.28 |
| 58 | 2030-04 | 224.25 | 8.87 | 215.38 | 3876.89 |
| 59 | 2030-05 | 223.78 | 8.40 | 215.38 | 3661.51 |
| 60 | 2030-06 | 223.32 | 7.93 | 215.38 | 3446.13 |
| 61 | 2030-07 | 222.85 | 7.47 | 215.38 | 3230.75 |
| 62 | 2030-08 | 222.38 | 7.00 | 215.38 | 3015.36 |
| 63 | 2030-09 | 221.92 | 6.53 | 215.38 | 2799.98 |
| 64 | 2030-10 | 221.45 | 6.07 | 215.38 | 2584.60 |
| 65 | 2030-11 | 220.98 | 5.60 | 215.38 | 2369.21 |
| 66 | 2030-12 | 220.52 | 5.13 | 215.38 | 2153.83 |
| 67 | 2031-01 | 220.05 | 4.67 | 215.38 | 1938.45 |
| 68 | 2031-02 | 219.58 | 4.20 | 215.38 | 1723.06 |
| 69 | 2031-03 | 219.12 | 3.73 | 215.38 | 1507.68 |
| 70 | 2031-04 | 218.65 | 3.27 | 215.38 | 1292.30 |
| 71 | 2031-05 | 218.18 | 2.80 | 215.38 | 1076.92 |
| 72 | 2031-06 | 217.72 | 2.33 | 215.38 | 861.53 |
| 73 | 2031-07 | 217.25 | 1.87 | 215.38 | 646.15 |
| 74 | 2031-08 | 216.78 | 1.40 | 215.38 | 430.77 |
| 75 | 2031-09 | 216.32 | 0.93 | 215.38 | 215.38 |
| 76 | 2031-10 | 215.85 | 0.47 | 215.38 | 0.00 |