贷款8000元（公积金贷款）房贷，还款6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：8000元
还款月数：6年
每月还款：120.12元
利息总额：648.86元
本息合计：8648.86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 | 120.12 | 17.33 | 102.79 | 7897.21 |
| 2 | 2025-08 | 120.12 | 17.11 | 103.01 | 7794.20 |
| 3 | 2025-09 | 120.12 | 16.89 | 103.24 | 7690.96 |
| 4 | 2025-10 | 120.12 | 16.66 | 103.46 | 7587.50 |
| 5 | 2025-11 | 120.12 | 16.44 | 103.68 | 7483.82 |
| 6 | 2025-12 | 120.12 | 16.21 | 103.91 | 7379.91 |
| 7 | 2026-01 | 120.12 | 15.99 | 104.13 | 7275.78 |
| 8 | 2026-02 | 120.12 | 15.76 | 104.36 | 7171.42 |
| 9 | 2026-03 | 120.12 | 15.54 | 104.59 | 7066.83 |
| 10 | 2026-04 | 120.12 | 15.31 | 104.81 | 6962.02 |
| 11 | 2026-05 | 120.12 | 15.08 | 105.04 | 6856.98 |
| 12 | 2026-06 | 120.12 | 14.86 | 105.27 | 6751.72 |
| 13 | 2026-07 | 120.12 | 14.63 | 105.49 | 6646.22 |
| 14 | 2026-08 | 120.12 | 14.40 | 105.72 | 6540.50 |
| 15 | 2026-09 | 120.12 | 14.17 | 105.95 | 6434.55 |
| 16 | 2026-10 | 120.12 | 13.94 | 106.18 | 6328.37 |
| 17 | 2026-11 | 120.12 | 13.71 | 106.41 | 6221.95 |
| 18 | 2026-12 | 120.12 | 13.48 | 106.64 | 6115.31 |
| 19 | 2027-01 | 120.12 | 13.25 | 106.87 | 6008.44 |
| 20 | 2027-02 | 120.12 | 13.02 | 107.10 | 5901.33 |
| 21 | 2027-03 | 120.12 | 12.79 | 107.34 | 5794.00 |
| 22 | 2027-04 | 120.12 | 12.55 | 107.57 | 5686.43 |
| 23 | 2027-05 | 120.12 | 12.32 | 107.80 | 5578.63 |
| 24 | 2027-06 | 120.12 | 12.09 | 108.04 | 5470.59 |
| 25 | 2027-07 | 120.12 | 11.85 | 108.27 | 5362.32 |
| 26 | 2027-08 | 120.12 | 11.62 | 108.50 | 5253.81 |
| 27 | 2027-09 | 120.12 | 11.38 | 108.74 | 5145.07 |
| 28 | 2027-10 | 120.12 | 11.15 | 108.98 | 5036.10 |
| 29 | 2027-11 | 120.12 | 10.91 | 109.21 | 4926.89 |
| 30 | 2027-12 | 120.12 | 10.67 | 109.45 | 4817.44 |
| 31 | 2028-01 | 120.12 | 10.44 | 109.69 | 4707.75 |
| 32 | 2028-02 | 120.12 | 10.20 | 109.92 | 4597.83 |
| 33 | 2028-03 | 120.12 | 9.96 | 110.16 | 4487.67 |
| 34 | 2028-04 | 120.12 | 9.72 | 110.40 | 4377.27 |
| 35 | 2028-05 | 120.12 | 9.48 | 110.64 | 4266.63 |
| 36 | 2028-06 | 120.12 | 9.24 | 110.88 | 4155.75 |
| 37 | 2028-07 | 120.12 | 9.00 | 111.12 | 4044.63 |
| 38 | 2028-08 | 120.12 | 8.76 | 111.36 | 3933.27 |
| 39 | 2028-09 | 120.12 | 8.52 | 111.60 | 3821.67 |
| 40 | 2028-10 | 120.12 | 8.28 | 111.84 | 3709.83 |
| 41 | 2028-11 | 120.12 | 8.04 | 112.09 | 3597.74 |
| 42 | 2028-12 | 120.12 | 7.80 | 112.33 | 3485.42 |
| 43 | 2029-01 | 120.12 | 7.55 | 112.57 | 3372.85 |
| 44 | 2029-02 | 120.12 | 7.31 | 112.82 | 3260.03 |
| 45 | 2029-03 | 120.12 | 7.06 | 113.06 | 3146.97 |
| 46 | 2029-04 | 120.12 | 6.82 | 113.30 | 3033.67 |
| 47 | 2029-05 | 120.12 | 6.57 | 113.55 | 2920.12 |
| 48 | 2029-06 | 120.12 | 6.33 | 113.80 | 2806.32 |
| 49 | 2029-07 | 120.12 | 6.08 | 114.04 | 2692.28 |
| 50 | 2029-08 | 120.12 | 5.83 | 114.29 | 2577.99 |
| 51 | 2029-09 | 120.12 | 5.59 | 114.54 | 2463.45 |
| 52 | 2029-10 | 120.12 | 5.34 | 114.79 | 2348.66 |
| 53 | 2029-11 | 120.12 | 5.09 | 115.03 | 2233.63 |
| 54 | 2029-12 | 120.12 | 4.84 | 115.28 | 2118.35 |
| 55 | 2030-01 | 120.12 | 4.59 | 115.53 | 2002.81 |
| 56 | 2030-02 | 120.12 | 4.34 | 115.78 | 1887.03 |
| 57 | 2030-03 | 120.12 | 4.09 | 116.03 | 1770.99 |
| 58 | 2030-04 | 120.12 | 3.84 | 116.29 | 1654.71 |
| 59 | 2030-05 | 120.12 | 3.59 | 116.54 | 1538.17 |
| 60 | 2030-06 | 120.12 | 3.33 | 116.79 | 1421.38 |
| 61 | 2030-07 | 120.12 | 3.08 | 117.04 | 1304.34 |
| 62 | 2030-08 | 120.12 | 2.83 | 117.30 | 1187.04 |
| 63 | 2030-09 | 120.12 | 2.57 | 117.55 | 1069.49 |
| 64 | 2030-10 | 120.12 | 2.32 | 117.81 | 951.68 |
| 65 | 2030-11 | 120.12 | 2.06 | 118.06 | 833.62 |
| 66 | 2030-12 | 120.12 | 1.81 | 118.32 | 715.30 |
| 67 | 2031-01 | 120.12 | 1.55 | 118.57 | 596.73 |
| 68 | 2031-02 | 120.12 | 1.29 | 118.83 | 477.90 |
| 69 | 2031-03 | 120.12 | 1.04 | 119.09 | 358.81 |
| 70 | 2031-04 | 120.12 | 0.78 | 119.35 | 239.47 |
| 71 | 2031-05 | 120.12 | 0.52 | 119.60 | 119.86 |
| 72 | 2031-06 | 120.12 | 0.26 | 119.86 | 0.00 |
等额本金还款方式：
贷款总额：8000元
还款月数：6年
首月还款：128.44元
每月递减：0.24元
利息总额：632.67元
本息合计：8632.67元
节省利息：16.2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 | 128.44 | 17.33 | 111.11 | 7888.89 |
| 2 | 2025-08 | 128.20 | 17.09 | 111.11 | 7777.78 |
| 3 | 2025-09 | 127.96 | 16.85 | 111.11 | 7666.67 |
| 4 | 2025-10 | 127.72 | 16.61 | 111.11 | 7555.56 |
| 5 | 2025-11 | 127.48 | 16.37 | 111.11 | 7444.44 |
| 6 | 2025-12 | 127.24 | 16.13 | 111.11 | 7333.33 |
| 7 | 2026-01 | 127.00 | 15.89 | 111.11 | 7222.22 |
| 8 | 2026-02 | 126.76 | 15.65 | 111.11 | 7111.11 |
| 9 | 2026-03 | 126.52 | 15.41 | 111.11 | 7000.00 |
| 10 | 2026-04 | 126.28 | 15.17 | 111.11 | 6888.89 |
| 11 | 2026-05 | 126.04 | 14.93 | 111.11 | 6777.78 |
| 12 | 2026-06 | 125.80 | 14.69 | 111.11 | 6666.67 |
| 13 | 2026-07 | 125.56 | 14.44 | 111.11 | 6555.56 |
| 14 | 2026-08 | 125.31 | 14.20 | 111.11 | 6444.44 |
| 15 | 2026-09 | 125.07 | 13.96 | 111.11 | 6333.33 |
| 16 | 2026-10 | 124.83 | 13.72 | 111.11 | 6222.22 |
| 17 | 2026-11 | 124.59 | 13.48 | 111.11 | 6111.11 |
| 18 | 2026-12 | 124.35 | 13.24 | 111.11 | 6000.00 |
| 19 | 2027-01 | 124.11 | 13.00 | 111.11 | 5888.89 |
| 20 | 2027-02 | 123.87 | 12.76 | 111.11 | 5777.78 |
| 21 | 2027-03 | 123.63 | 12.52 | 111.11 | 5666.67 |
| 22 | 2027-04 | 123.39 | 12.28 | 111.11 | 5555.56 |
| 23 | 2027-05 | 123.15 | 12.04 | 111.11 | 5444.44 |
| 24 | 2027-06 | 122.91 | 11.80 | 111.11 | 5333.33 |
| 25 | 2027-07 | 122.67 | 11.56 | 111.11 | 5222.22 |
| 26 | 2027-08 | 122.43 | 11.31 | 111.11 | 5111.11 |
| 27 | 2027-09 | 122.19 | 11.07 | 111.11 | 5000.00 |
| 28 | 2027-10 | 121.94 | 10.83 | 111.11 | 4888.89 |
| 29 | 2027-11 | 121.70 | 10.59 | 111.11 | 4777.78 |
| 30 | 2027-12 | 121.46 | 10.35 | 111.11 | 4666.67 |
| 31 | 2028-01 | 121.22 | 10.11 | 111.11 | 4555.56 |
| 32 | 2028-02 | 120.98 | 9.87 | 111.11 | 4444.44 |
| 33 | 2028-03 | 120.74 | 9.63 | 111.11 | 4333.33 |
| 34 | 2028-04 | 120.50 | 9.39 | 111.11 | 4222.22 |
| 35 | 2028-05 | 120.26 | 9.15 | 111.11 | 4111.11 |
| 36 | 2028-06 | 120.02 | 8.91 | 111.11 | 4000.00 |
| 37 | 2028-07 | 119.78 | 8.67 | 111.11 | 3888.89 |
| 38 | 2028-08 | 119.54 | 8.43 | 111.11 | 3777.78 |
| 39 | 2028-09 | 119.30 | 8.19 | 111.11 | 3666.67 |
| 40 | 2028-10 | 119.06 | 7.94 | 111.11 | 3555.56 |
| 41 | 2028-11 | 118.81 | 7.70 | 111.11 | 3444.44 |
| 42 | 2028-12 | 118.57 | 7.46 | 111.11 | 3333.33 |
| 43 | 2029-01 | 118.33 | 7.22 | 111.11 | 3222.22 |
| 44 | 2029-02 | 118.09 | 6.98 | 111.11 | 3111.11 |
| 45 | 2029-03 | 117.85 | 6.74 | 111.11 | 3000.00 |
| 46 | 2029-04 | 117.61 | 6.50 | 111.11 | 2888.89 |
| 47 | 2029-05 | 117.37 | 6.26 | 111.11 | 2777.78 |
| 48 | 2029-06 | 117.13 | 6.02 | 111.11 | 2666.67 |
| 49 | 2029-07 | 116.89 | 5.78 | 111.11 | 2555.56 |
| 50 | 2029-08 | 116.65 | 5.54 | 111.11 | 2444.44 |
| 51 | 2029-09 | 116.41 | 5.30 | 111.11 | 2333.33 |
| 52 | 2029-10 | 116.17 | 5.06 | 111.11 | 2222.22 |
| 53 | 2029-11 | 115.93 | 4.81 | 111.11 | 2111.11 |
| 54 | 2029-12 | 115.69 | 4.57 | 111.11 | 2000.00 |
| 55 | 2030-01 | 115.44 | 4.33 | 111.11 | 1888.89 |
| 56 | 2030-02 | 115.20 | 4.09 | 111.11 | 1777.78 |
| 57 | 2030-03 | 114.96 | 3.85 | 111.11 | 1666.67 |
| 58 | 2030-04 | 114.72 | 3.61 | 111.11 | 1555.56 |
| 59 | 2030-05 | 114.48 | 3.37 | 111.11 | 1444.44 |
| 60 | 2030-06 | 114.24 | 3.13 | 111.11 | 1333.33 |
| 61 | 2030-07 | 114.00 | 2.89 | 111.11 | 1222.22 |
| 62 | 2030-08 | 113.76 | 2.65 | 111.11 | 1111.11 |
| 63 | 2030-09 | 113.52 | 2.41 | 111.11 | 1000.00 |
| 64 | 2030-10 | 113.28 | 2.17 | 111.11 | 888.89 |
| 65 | 2030-11 | 113.04 | 1.93 | 111.11 | 777.78 |
| 66 | 2030-12 | 112.80 | 1.69 | 111.11 | 666.67 |
| 67 | 2031-01 | 112.56 | 1.44 | 111.11 | 555.56 |
| 68 | 2031-02 | 112.31 | 1.20 | 111.11 | 444.44 |
| 69 | 2031-03 | 112.07 | 0.96 | 111.11 | 333.33 |
| 70 | 2031-04 | 111.83 | 0.72 | 111.11 | 222.22 |
| 71 | 2031-05 | 111.59 | 0.48 | 111.11 | 111.11 |
| 72 | 2031-06 | 111.35 | 0.24 | 111.11 | 0.00 |