贷款1.8万（公积金贷款）房贷，还款6年3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：1.8万
还款月数：6年3个月
每月还款：260.29元
利息总额：1521.54元
本息合计：1.95万
| 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 | 260.29 | 39.00 | 221.29 | 17778.71 |
| 2 | 2025-08 | 260.29 | 38.52 | 221.77 | 17556.95 |
| 3 | 2025-09 | 260.29 | 38.04 | 222.25 | 17334.70 |
| 4 | 2025-10 | 260.29 | 37.56 | 222.73 | 17111.97 |
| 5 | 2025-11 | 260.29 | 37.08 | 223.21 | 16888.76 |
| 6 | 2025-12 | 260.29 | 36.59 | 223.69 | 16665.06 |
| 7 | 2026-01 | 260.29 | 36.11 | 224.18 | 16440.88 |
| 8 | 2026-02 | 260.29 | 35.62 | 224.67 | 16216.22 |
| 9 | 2026-03 | 260.29 | 35.14 | 225.15 | 15991.07 |
| 10 | 2026-04 | 260.29 | 34.65 | 225.64 | 15765.43 |
| 11 | 2026-05 | 260.29 | 34.16 | 226.13 | 15539.30 |
| 12 | 2026-06 | 260.29 | 33.67 | 226.62 | 15312.68 |
| 13 | 2026-07 | 260.29 | 33.18 | 227.11 | 15085.57 |
| 14 | 2026-08 | 260.29 | 32.69 | 227.60 | 14857.97 |
| 15 | 2026-09 | 260.29 | 32.19 | 228.09 | 14629.87 |
| 16 | 2026-10 | 260.29 | 31.70 | 228.59 | 14401.28 |
| 17 | 2026-11 | 260.29 | 31.20 | 229.08 | 14172.20 |
| 18 | 2026-12 | 260.29 | 30.71 | 229.58 | 13942.62 |
| 19 | 2027-01 | 260.29 | 30.21 | 230.08 | 13712.54 |
| 20 | 2027-02 | 260.29 | 29.71 | 230.58 | 13481.96 |
| 21 | 2027-03 | 260.29 | 29.21 | 231.08 | 13250.89 |
| 22 | 2027-04 | 260.29 | 28.71 | 231.58 | 13019.31 |
| 23 | 2027-05 | 260.29 | 28.21 | 232.08 | 12787.23 |
| 24 | 2027-06 | 260.29 | 27.71 | 232.58 | 12554.65 |
| 25 | 2027-07 | 260.29 | 27.20 | 233.09 | 12321.56 |
| 26 | 2027-08 | 260.29 | 26.70 | 233.59 | 12087.97 |
| 27 | 2027-09 | 260.29 | 26.19 | 234.10 | 11853.88 |
| 28 | 2027-10 | 260.29 | 25.68 | 234.60 | 11619.27 |
| 29 | 2027-11 | 260.29 | 25.18 | 235.11 | 11384.16 |
| 30 | 2027-12 | 260.29 | 24.67 | 235.62 | 11148.54 |
| 31 | 2028-01 | 260.29 | 24.16 | 236.13 | 10912.41 |
| 32 | 2028-02 | 260.29 | 23.64 | 236.64 | 10675.76 |
| 33 | 2028-03 | 260.29 | 23.13 | 237.16 | 10438.61 |
| 34 | 2028-04 | 260.29 | 22.62 | 237.67 | 10200.94 |
| 35 | 2028-05 | 260.29 | 22.10 | 238.19 | 9962.75 |
| 36 | 2028-06 | 260.29 | 21.59 | 238.70 | 9724.05 |
| 37 | 2028-07 | 260.29 | 21.07 | 239.22 | 9484.83 |
| 38 | 2028-08 | 260.29 | 20.55 | 239.74 | 9245.10 |
| 39 | 2028-09 | 260.29 | 20.03 | 240.26 | 9004.84 |
| 40 | 2028-10 | 260.29 | 19.51 | 240.78 | 8764.06 |
| 41 | 2028-11 | 260.29 | 18.99 | 241.30 | 8522.76 |
| 42 | 2028-12 | 260.29 | 18.47 | 241.82 | 8280.94 |
| 43 | 2029-01 | 260.29 | 17.94 | 242.35 | 8038.60 |
| 44 | 2029-02 | 260.29 | 17.42 | 242.87 | 7795.73 |
| 45 | 2029-03 | 260.29 | 16.89 | 243.40 | 7552.33 |
| 46 | 2029-04 | 260.29 | 16.36 | 243.92 | 7308.41 |
| 47 | 2029-05 | 260.29 | 15.83 | 244.45 | 7063.96 |
| 48 | 2029-06 | 260.29 | 15.31 | 244.98 | 6818.97 |
| 49 | 2029-07 | 260.29 | 14.77 | 245.51 | 6573.46 |
| 50 | 2029-08 | 260.29 | 14.24 | 246.04 | 6327.42 |
| 51 | 2029-09 | 260.29 | 13.71 | 246.58 | 6080.84 |
| 52 | 2029-10 | 260.29 | 13.18 | 247.11 | 5833.73 |
| 53 | 2029-11 | 260.29 | 12.64 | 247.65 | 5586.08 |
| 54 | 2029-12 | 260.29 | 12.10 | 248.18 | 5337.89 |
| 55 | 2030-01 | 260.29 | 11.57 | 248.72 | 5089.17 |
| 56 | 2030-02 | 260.29 | 11.03 | 249.26 | 4839.91 |
| 57 | 2030-03 | 260.29 | 10.49 | 249.80 | 4590.11 |
| 58 | 2030-04 | 260.29 | 9.95 | 250.34 | 4339.77 |
| 59 | 2030-05 | 260.29 | 9.40 | 250.88 | 4088.88 |
| 60 | 2030-06 | 260.29 | 8.86 | 251.43 | 3837.46 |
| 61 | 2030-07 | 260.29 | 8.31 | 251.97 | 3585.48 |
| 62 | 2030-08 | 260.29 | 7.77 | 252.52 | 3332.97 |
| 63 | 2030-09 | 260.29 | 7.22 | 253.07 | 3079.90 |
| 64 | 2030-10 | 260.29 | 6.67 | 253.61 | 2826.29 |
| 65 | 2030-11 | 260.29 | 6.12 | 254.16 | 2572.12 |
| 66 | 2030-12 | 260.29 | 5.57 | 254.71 | 2317.41 |
| 67 | 2031-01 | 260.29 | 5.02 | 255.27 | 2062.14 |
| 68 | 2031-02 | 260.29 | 4.47 | 255.82 | 1806.32 |
| 69 | 2031-03 | 260.29 | 3.91 | 256.37 | 1549.95 |
| 70 | 2031-04 | 260.29 | 3.36 | 256.93 | 1293.02 |
| 71 | 2031-05 | 260.29 | 2.80 | 257.49 | 1035.53 |
| 72 | 2031-06 | 260.29 | 2.24 | 258.04 | 777.49 |
| 73 | 2031-07 | 260.29 | 1.68 | 258.60 | 518.89 |
| 74 | 2031-08 | 260.29 | 1.12 | 259.16 | 259.72 |
| 75 | 2031-09 | 260.29 | 0.56 | 259.72 | 0.00 |
等额本金还款方式：
贷款总额：1.8万
还款月数：6年3个月
首月还款：279元
每月递减：0.52元
利息总额：1482元
本息合计：1.95万
节省利息：39.54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 | 279.00 | 39.00 | 240.00 | 17760.00 |
| 2 | 2025-08 | 278.48 | 38.48 | 240.00 | 17520.00 |
| 3 | 2025-09 | 277.96 | 37.96 | 240.00 | 17280.00 |
| 4 | 2025-10 | 277.44 | 37.44 | 240.00 | 17040.00 |
| 5 | 2025-11 | 276.92 | 36.92 | 240.00 | 16800.00 |
| 6 | 2025-12 | 276.40 | 36.40 | 240.00 | 16560.00 |
| 7 | 2026-01 | 275.88 | 35.88 | 240.00 | 16320.00 |
| 8 | 2026-02 | 275.36 | 35.36 | 240.00 | 16080.00 |
| 9 | 2026-03 | 274.84 | 34.84 | 240.00 | 15840.00 |
| 10 | 2026-04 | 274.32 | 34.32 | 240.00 | 15600.00 |
| 11 | 2026-05 | 273.80 | 33.80 | 240.00 | 15360.00 |
| 12 | 2026-06 | 273.28 | 33.28 | 240.00 | 15120.00 |
| 13 | 2026-07 | 272.76 | 32.76 | 240.00 | 14880.00 |
| 14 | 2026-08 | 272.24 | 32.24 | 240.00 | 14640.00 |
| 15 | 2026-09 | 271.72 | 31.72 | 240.00 | 14400.00 |
| 16 | 2026-10 | 271.20 | 31.20 | 240.00 | 14160.00 |
| 17 | 2026-11 | 270.68 | 30.68 | 240.00 | 13920.00 |
| 18 | 2026-12 | 270.16 | 30.16 | 240.00 | 13680.00 |
| 19 | 2027-01 | 269.64 | 29.64 | 240.00 | 13440.00 |
| 20 | 2027-02 | 269.12 | 29.12 | 240.00 | 13200.00 |
| 21 | 2027-03 | 268.60 | 28.60 | 240.00 | 12960.00 |
| 22 | 2027-04 | 268.08 | 28.08 | 240.00 | 12720.00 |
| 23 | 2027-05 | 267.56 | 27.56 | 240.00 | 12480.00 |
| 24 | 2027-06 | 267.04 | 27.04 | 240.00 | 12240.00 |
| 25 | 2027-07 | 266.52 | 26.52 | 240.00 | 12000.00 |
| 26 | 2027-08 | 266.00 | 26.00 | 240.00 | 11760.00 |
| 27 | 2027-09 | 265.48 | 25.48 | 240.00 | 11520.00 |
| 28 | 2027-10 | 264.96 | 24.96 | 240.00 | 11280.00 |
| 29 | 2027-11 | 264.44 | 24.44 | 240.00 | 11040.00 |
| 30 | 2027-12 | 263.92 | 23.92 | 240.00 | 10800.00 |
| 31 | 2028-01 | 263.40 | 23.40 | 240.00 | 10560.00 |
| 32 | 2028-02 | 262.88 | 22.88 | 240.00 | 10320.00 |
| 33 | 2028-03 | 262.36 | 22.36 | 240.00 | 10080.00 |
| 34 | 2028-04 | 261.84 | 21.84 | 240.00 | 9840.00 |
| 35 | 2028-05 | 261.32 | 21.32 | 240.00 | 9600.00 |
| 36 | 2028-06 | 260.80 | 20.80 | 240.00 | 9360.00 |
| 37 | 2028-07 | 260.28 | 20.28 | 240.00 | 9120.00 |
| 38 | 2028-08 | 259.76 | 19.76 | 240.00 | 8880.00 |
| 39 | 2028-09 | 259.24 | 19.24 | 240.00 | 8640.00 |
| 40 | 2028-10 | 258.72 | 18.72 | 240.00 | 8400.00 |
| 41 | 2028-11 | 258.20 | 18.20 | 240.00 | 8160.00 |
| 42 | 2028-12 | 257.68 | 17.68 | 240.00 | 7920.00 |
| 43 | 2029-01 | 257.16 | 17.16 | 240.00 | 7680.00 |
| 44 | 2029-02 | 256.64 | 16.64 | 240.00 | 7440.00 |
| 45 | 2029-03 | 256.12 | 16.12 | 240.00 | 7200.00 |
| 46 | 2029-04 | 255.60 | 15.60 | 240.00 | 6960.00 |
| 47 | 2029-05 | 255.08 | 15.08 | 240.00 | 6720.00 |
| 48 | 2029-06 | 254.56 | 14.56 | 240.00 | 6480.00 |
| 49 | 2029-07 | 254.04 | 14.04 | 240.00 | 6240.00 |
| 50 | 2029-08 | 253.52 | 13.52 | 240.00 | 6000.00 |
| 51 | 2029-09 | 253.00 | 13.00 | 240.00 | 5760.00 |
| 52 | 2029-10 | 252.48 | 12.48 | 240.00 | 5520.00 |
| 53 | 2029-11 | 251.96 | 11.96 | 240.00 | 5280.00 |
| 54 | 2029-12 | 251.44 | 11.44 | 240.00 | 5040.00 |
| 55 | 2030-01 | 250.92 | 10.92 | 240.00 | 4800.00 |
| 56 | 2030-02 | 250.40 | 10.40 | 240.00 | 4560.00 |
| 57 | 2030-03 | 249.88 | 9.88 | 240.00 | 4320.00 |
| 58 | 2030-04 | 249.36 | 9.36 | 240.00 | 4080.00 |
| 59 | 2030-05 | 248.84 | 8.84 | 240.00 | 3840.00 |
| 60 | 2030-06 | 248.32 | 8.32 | 240.00 | 3600.00 |
| 61 | 2030-07 | 247.80 | 7.80 | 240.00 | 3360.00 |
| 62 | 2030-08 | 247.28 | 7.28 | 240.00 | 3120.00 |
| 63 | 2030-09 | 246.76 | 6.76 | 240.00 | 2880.00 |
| 64 | 2030-10 | 246.24 | 6.24 | 240.00 | 2640.00 |
| 65 | 2030-11 | 245.72 | 5.72 | 240.00 | 2400.00 |
| 66 | 2030-12 | 245.20 | 5.20 | 240.00 | 2160.00 |
| 67 | 2031-01 | 244.68 | 4.68 | 240.00 | 1920.00 |
| 68 | 2031-02 | 244.16 | 4.16 | 240.00 | 1680.00 |
| 69 | 2031-03 | 243.64 | 3.64 | 240.00 | 1440.00 |
| 70 | 2031-04 | 243.12 | 3.12 | 240.00 | 1200.00 |
| 71 | 2031-05 | 242.60 | 2.60 | 240.00 | 960.00 |
| 72 | 2031-06 | 242.08 | 2.08 | 240.00 | 720.00 |
| 73 | 2031-07 | 241.56 | 1.56 | 240.00 | 480.00 |
| 74 | 2031-08 | 241.04 | 1.04 | 240.00 | 240.00 |
| 75 | 2031-09 | 240.52 | 0.52 | 240.00 | 0.00 |