贷款3.07万（公积金贷款）房贷，还款7年5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：3.07万
还款月数：7年5个月
每月还款：379.24元
利息总额：3084.9元
本息合计：3.38万
| 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 | 379.24 | 66.45 | 312.79 | 30354.31 |
| 2 | 2025-08 | 379.24 | 65.77 | 313.47 | 30040.84 |
| 3 | 2025-09 | 379.24 | 65.09 | 314.15 | 29726.69 |
| 4 | 2025-10 | 379.24 | 64.41 | 314.83 | 29411.87 |
| 5 | 2025-11 | 379.24 | 63.73 | 315.51 | 29096.36 |
| 6 | 2025-12 | 379.24 | 63.04 | 316.19 | 28780.16 |
| 7 | 2026-01 | 379.24 | 62.36 | 316.88 | 28463.28 |
| 8 | 2026-02 | 379.24 | 61.67 | 317.57 | 28145.72 |
| 9 | 2026-03 | 379.24 | 60.98 | 318.25 | 27827.46 |
| 10 | 2026-04 | 379.24 | 60.29 | 318.94 | 27508.52 |
| 11 | 2026-05 | 379.24 | 59.60 | 319.63 | 27188.89 |
| 12 | 2026-06 | 379.24 | 58.91 | 320.33 | 26868.56 |
| 13 | 2026-07 | 379.24 | 58.22 | 321.02 | 26547.54 |
| 14 | 2026-08 | 379.24 | 57.52 | 321.72 | 26225.82 |
| 15 | 2026-09 | 379.24 | 56.82 | 322.41 | 25903.41 |
| 16 | 2026-10 | 379.24 | 56.12 | 323.11 | 25580.30 |
| 17 | 2026-11 | 379.24 | 55.42 | 323.81 | 25256.49 |
| 18 | 2026-12 | 379.24 | 54.72 | 324.51 | 24931.97 |
| 19 | 2027-01 | 379.24 | 54.02 | 325.22 | 24606.76 |
| 20 | 2027-02 | 379.24 | 53.31 | 325.92 | 24280.83 |
| 21 | 2027-03 | 379.24 | 52.61 | 326.63 | 23954.21 |
| 22 | 2027-04 | 379.24 | 51.90 | 327.34 | 23626.87 |
| 23 | 2027-05 | 379.24 | 51.19 | 328.04 | 23298.83 |
| 24 | 2027-06 | 379.24 | 50.48 | 328.76 | 22970.07 |
| 25 | 2027-07 | 379.24 | 49.77 | 329.47 | 22640.60 |
| 26 | 2027-08 | 379.24 | 49.05 | 330.18 | 22310.42 |
| 27 | 2027-09 | 379.24 | 48.34 | 330.90 | 21979.53 |
| 28 | 2027-10 | 379.24 | 47.62 | 331.61 | 21647.91 |
| 29 | 2027-11 | 379.24 | 46.90 | 332.33 | 21315.58 |
| 30 | 2027-12 | 379.24 | 46.18 | 333.05 | 20982.53 |
| 31 | 2028-01 | 379.24 | 45.46 | 333.77 | 20648.75 |
| 32 | 2028-02 | 379.24 | 44.74 | 334.50 | 20314.26 |
| 33 | 2028-03 | 379.24 | 44.01 | 335.22 | 19979.04 |
| 34 | 2028-04 | 379.24 | 43.29 | 335.95 | 19643.09 |
| 35 | 2028-05 | 379.24 | 42.56 | 336.68 | 19306.41 |
| 36 | 2028-06 | 379.24 | 41.83 | 337.41 | 18969.01 |
| 37 | 2028-07 | 379.24 | 41.10 | 338.14 | 18630.87 |
| 38 | 2028-08 | 379.24 | 40.37 | 338.87 | 18292.00 |
| 39 | 2028-09 | 379.24 | 39.63 | 339.60 | 17952.40 |
| 40 | 2028-10 | 379.24 | 38.90 | 340.34 | 17612.06 |
| 41 | 2028-11 | 379.24 | 38.16 | 341.08 | 17270.98 |
| 42 | 2028-12 | 379.24 | 37.42 | 341.82 | 16929.17 |
| 43 | 2029-01 | 379.24 | 36.68 | 342.56 | 16586.61 |
| 44 | 2029-02 | 379.24 | 35.94 | 343.30 | 16243.31 |
| 45 | 2029-03 | 379.24 | 35.19 | 344.04 | 15899.27 |
| 46 | 2029-04 | 379.24 | 34.45 | 344.79 | 15554.48 |
| 47 | 2029-05 | 379.24 | 33.70 | 345.53 | 15208.95 |
| 48 | 2029-06 | 379.24 | 32.95 | 346.28 | 14862.67 |
| 49 | 2029-07 | 379.24 | 32.20 | 347.03 | 14515.63 |
| 50 | 2029-08 | 379.24 | 31.45 | 347.79 | 14167.85 |
| 51 | 2029-09 | 379.24 | 30.70 | 348.54 | 13819.31 |
| 52 | 2029-10 | 379.24 | 29.94 | 349.29 | 13470.01 |
| 53 | 2029-11 | 379.24 | 29.19 | 350.05 | 13119.96 |
| 54 | 2029-12 | 379.24 | 28.43 | 350.81 | 12769.15 |
| 55 | 2030-01 | 379.24 | 27.67 | 351.57 | 12417.58 |
| 56 | 2030-02 | 379.24 | 26.90 | 352.33 | 12065.25 |
| 57 | 2030-03 | 379.24 | 26.14 | 353.09 | 11712.16 |
| 58 | 2030-04 | 379.24 | 25.38 | 353.86 | 11358.30 |
| 59 | 2030-05 | 379.24 | 24.61 | 354.63 | 11003.67 |
| 60 | 2030-06 | 379.24 | 23.84 | 355.39 | 10648.28 |
| 61 | 2030-07 | 379.24 | 23.07 | 356.16 | 10292.11 |
| 62 | 2030-08 | 379.24 | 22.30 | 356.94 | 9935.18 |
| 63 | 2030-09 | 379.24 | 21.53 | 357.71 | 9577.47 |
| 64 | 2030-10 | 379.24 | 20.75 | 358.48 | 9218.98 |
| 65 | 2030-11 | 379.24 | 19.97 | 359.26 | 8859.72 |
| 66 | 2030-12 | 379.24 | 19.20 | 360.04 | 8499.68 |
| 67 | 2031-01 | 379.24 | 18.42 | 360.82 | 8138.86 |
| 68 | 2031-02 | 379.24 | 17.63 | 361.60 | 7777.26 |
| 69 | 2031-03 | 379.24 | 16.85 | 362.39 | 7414.87 |
| 70 | 2031-04 | 379.24 | 16.07 | 363.17 | 7051.70 |
| 71 | 2031-05 | 379.24 | 15.28 | 363.96 | 6687.75 |
| 72 | 2031-06 | 379.24 | 14.49 | 364.75 | 6323.00 |
| 73 | 2031-07 | 379.24 | 13.70 | 365.54 | 5957.46 |
| 74 | 2031-08 | 379.24 | 12.91 | 366.33 | 5591.14 |
| 75 | 2031-09 | 379.24 | 12.11 | 367.12 | 5224.01 |
| 76 | 2031-10 | 379.24 | 11.32 | 367.92 | 4856.10 |
| 77 | 2031-11 | 379.24 | 10.52 | 368.71 | 4487.38 |
| 78 | 2031-12 | 379.24 | 9.72 | 369.51 | 4117.87 |
| 79 | 2032-01 | 379.24 | 8.92 | 370.31 | 3747.56 |
| 80 | 2032-02 | 379.24 | 8.12 | 371.12 | 3376.44 |
| 81 | 2032-03 | 379.24 | 7.32 | 371.92 | 3004.52 |
| 82 | 2032-04 | 379.24 | 6.51 | 372.73 | 2631.79 |
| 83 | 2032-05 | 379.24 | 5.70 | 373.53 | 2258.26 |
| 84 | 2032-06 | 379.24 | 4.89 | 374.34 | 1883.92 |
| 85 | 2032-07 | 379.24 | 4.08 | 375.15 | 1508.76 |
| 86 | 2032-08 | 379.24 | 3.27 | 375.97 | 1132.80 |
| 87 | 2032-09 | 379.24 | 2.45 | 376.78 | 756.01 |
| 88 | 2032-10 | 379.24 | 1.64 | 377.60 | 378.42 |
| 89 | 2032-11 | 379.24 | 0.82 | 378.42 | 0.00 |
等额本金还款方式：
贷款总额：3.07万
还款月数：7年5个月
首月还款：411.02元
每月递减：0.75元
利息总额：2990.04元
本息合计：3.37万
节省利息：94.86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 | 411.02 | 66.45 | 344.57 | 30322.53 |
| 2 | 2025-08 | 410.27 | 65.70 | 344.57 | 29977.95 |
| 3 | 2025-09 | 409.53 | 64.95 | 344.57 | 29633.38 |
| 4 | 2025-10 | 408.78 | 64.21 | 344.57 | 29288.80 |
| 5 | 2025-11 | 408.03 | 63.46 | 344.57 | 28944.23 |
| 6 | 2025-12 | 407.29 | 62.71 | 344.57 | 28599.66 |
| 7 | 2026-01 | 406.54 | 61.97 | 344.57 | 28255.08 |
| 8 | 2026-02 | 405.79 | 61.22 | 344.57 | 27910.51 |
| 9 | 2026-03 | 405.05 | 60.47 | 344.57 | 27565.93 |
| 10 | 2026-04 | 404.30 | 59.73 | 344.57 | 27221.36 |
| 11 | 2026-05 | 403.55 | 58.98 | 344.57 | 26876.78 |
| 12 | 2026-06 | 402.81 | 58.23 | 344.57 | 26532.21 |
| 13 | 2026-07 | 402.06 | 57.49 | 344.57 | 26187.64 |
| 14 | 2026-08 | 401.31 | 56.74 | 344.57 | 25843.06 |
| 15 | 2026-09 | 400.57 | 55.99 | 344.57 | 25498.49 |
| 16 | 2026-10 | 399.82 | 55.25 | 344.57 | 25153.91 |
| 17 | 2026-11 | 399.07 | 54.50 | 344.57 | 24809.34 |
| 18 | 2026-12 | 398.33 | 53.75 | 344.57 | 24464.77 |
| 19 | 2027-01 | 397.58 | 53.01 | 344.57 | 24120.19 |
| 20 | 2027-02 | 396.83 | 52.26 | 344.57 | 23775.62 |
| 21 | 2027-03 | 396.09 | 51.51 | 344.57 | 23431.04 |
| 22 | 2027-04 | 395.34 | 50.77 | 344.57 | 23086.47 |
| 23 | 2027-05 | 394.59 | 50.02 | 344.57 | 22741.89 |
| 24 | 2027-06 | 393.85 | 49.27 | 344.57 | 22397.32 |
| 25 | 2027-07 | 393.10 | 48.53 | 344.57 | 22052.75 |
| 26 | 2027-08 | 392.36 | 47.78 | 344.57 | 21708.17 |
| 27 | 2027-09 | 391.61 | 47.03 | 344.57 | 21363.60 |
| 28 | 2027-10 | 390.86 | 46.29 | 344.57 | 21019.02 |
| 29 | 2027-11 | 390.12 | 45.54 | 344.57 | 20674.45 |
| 30 | 2027-12 | 389.37 | 44.79 | 344.57 | 20329.88 |
| 31 | 2028-01 | 388.62 | 44.05 | 344.57 | 19985.30 |
| 32 | 2028-02 | 387.88 | 43.30 | 344.57 | 19640.73 |
| 33 | 2028-03 | 387.13 | 42.55 | 344.57 | 19296.15 |
| 34 | 2028-04 | 386.38 | 41.81 | 344.57 | 18951.58 |
| 35 | 2028-05 | 385.64 | 41.06 | 344.57 | 18607.00 |
| 36 | 2028-06 | 384.89 | 40.32 | 344.57 | 18262.43 |
| 37 | 2028-07 | 384.14 | 39.57 | 344.57 | 17917.86 |
| 38 | 2028-08 | 383.40 | 38.82 | 344.57 | 17573.28 |
| 39 | 2028-09 | 382.65 | 38.08 | 344.57 | 17228.71 |
| 40 | 2028-10 | 381.90 | 37.33 | 344.57 | 16884.13 |
| 41 | 2028-11 | 381.16 | 36.58 | 344.57 | 16539.56 |
| 42 | 2028-12 | 380.41 | 35.84 | 344.57 | 16194.99 |
| 43 | 2029-01 | 379.66 | 35.09 | 344.57 | 15850.41 |
| 44 | 2029-02 | 378.92 | 34.34 | 344.57 | 15505.84 |
| 45 | 2029-03 | 378.17 | 33.60 | 344.57 | 15161.26 |
| 46 | 2029-04 | 377.42 | 32.85 | 344.57 | 14816.69 |
| 47 | 2029-05 | 376.68 | 32.10 | 344.57 | 14472.11 |
| 48 | 2029-06 | 375.93 | 31.36 | 344.57 | 14127.54 |
| 49 | 2029-07 | 375.18 | 30.61 | 344.57 | 13782.97 |
| 50 | 2029-08 | 374.44 | 29.86 | 344.57 | 13438.39 |
| 51 | 2029-09 | 373.69 | 29.12 | 344.57 | 13093.82 |
| 52 | 2029-10 | 372.94 | 28.37 | 344.57 | 12749.24 |
| 53 | 2029-11 | 372.20 | 27.62 | 344.57 | 12404.67 |
| 54 | 2029-12 | 371.45 | 26.88 | 344.57 | 12060.10 |
| 55 | 2030-01 | 370.70 | 26.13 | 344.57 | 11715.52 |
| 56 | 2030-02 | 369.96 | 25.38 | 344.57 | 11370.95 |
| 57 | 2030-03 | 369.21 | 24.64 | 344.57 | 11026.37 |
| 58 | 2030-04 | 368.46 | 23.89 | 344.57 | 10681.80 |
| 59 | 2030-05 | 367.72 | 23.14 | 344.57 | 10337.22 |
| 60 | 2030-06 | 366.97 | 22.40 | 344.57 | 9992.65 |
| 61 | 2030-07 | 366.22 | 21.65 | 344.57 | 9648.08 |
| 62 | 2030-08 | 365.48 | 20.90 | 344.57 | 9303.50 |
| 63 | 2030-09 | 364.73 | 20.16 | 344.57 | 8958.93 |
| 64 | 2030-10 | 363.99 | 19.41 | 344.57 | 8614.35 |
| 65 | 2030-11 | 363.24 | 18.66 | 344.57 | 8269.78 |
| 66 | 2030-12 | 362.49 | 17.92 | 344.57 | 7925.21 |
| 67 | 2031-01 | 361.75 | 17.17 | 344.57 | 7580.63 |
| 68 | 2031-02 | 361.00 | 16.42 | 344.57 | 7236.06 |
| 69 | 2031-03 | 360.25 | 15.68 | 344.57 | 6891.48 |
| 70 | 2031-04 | 359.51 | 14.93 | 344.57 | 6546.91 |
| 71 | 2031-05 | 358.76 | 14.18 | 344.57 | 6202.33 |
| 72 | 2031-06 | 358.01 | 13.44 | 344.57 | 5857.76 |
| 73 | 2031-07 | 357.27 | 12.69 | 344.57 | 5513.19 |
| 74 | 2031-08 | 356.52 | 11.95 | 344.57 | 5168.61 |
| 75 | 2031-09 | 355.77 | 11.20 | 344.57 | 4824.04 |
| 76 | 2031-10 | 355.03 | 10.45 | 344.57 | 4479.46 |
| 77 | 2031-11 | 354.28 | 9.71 | 344.57 | 4134.89 |
| 78 | 2031-12 | 353.53 | 8.96 | 344.57 | 3790.32 |
| 79 | 2032-01 | 352.79 | 8.21 | 344.57 | 3445.74 |
| 80 | 2032-02 | 352.04 | 7.47 | 344.57 | 3101.17 |
| 81 | 2032-03 | 351.29 | 6.72 | 344.57 | 2756.59 |
| 82 | 2032-04 | 350.55 | 5.97 | 344.57 | 2412.02 |
| 83 | 2032-05 | 349.80 | 5.23 | 344.57 | 2067.44 |
| 84 | 2032-06 | 349.05 | 4.48 | 344.57 | 1722.87 |
| 85 | 2032-07 | 348.31 | 3.73 | 344.57 | 1378.30 |
| 86 | 2032-08 | 347.56 | 2.99 | 344.57 | 1033.72 |
| 87 | 2032-09 | 346.81 | 2.24 | 344.57 | 689.15 |
| 88 | 2032-10 | 346.07 | 1.49 | 344.57 | 344.57 |
| 89 | 2032-11 | 345.32 | 0.75 | 344.57 | 0.00 |