贷款6400元（公积金贷款）房贷，还款5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：6400元
还款月数：5年4个月
每月还款：107.2元
利息总额：460.9元
本息合计：6860.9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 | 107.20 | 13.87 | 93.33 | 6306.67 |
| 2 | 2025-08 | 107.20 | 13.66 | 93.54 | 6213.13 |
| 3 | 2025-09 | 107.20 | 13.46 | 93.74 | 6119.39 |
| 4 | 2025-10 | 107.20 | 13.26 | 93.94 | 6025.44 |
| 5 | 2025-11 | 107.20 | 13.06 | 94.15 | 5931.30 |
| 6 | 2025-12 | 107.20 | 12.85 | 94.35 | 5836.95 |
| 7 | 2026-01 | 107.20 | 12.65 | 94.55 | 5742.39 |
| 8 | 2026-02 | 107.20 | 12.44 | 94.76 | 5647.63 |
| 9 | 2026-03 | 107.20 | 12.24 | 94.97 | 5552.67 |
| 10 | 2026-04 | 107.20 | 12.03 | 95.17 | 5457.50 |
| 11 | 2026-05 | 107.20 | 11.82 | 95.38 | 5362.12 |
| 12 | 2026-06 | 107.20 | 11.62 | 95.58 | 5266.54 |
| 13 | 2026-07 | 107.20 | 11.41 | 95.79 | 5170.75 |
| 14 | 2026-08 | 107.20 | 11.20 | 96.00 | 5074.75 |
| 15 | 2026-09 | 107.20 | 11.00 | 96.21 | 4978.54 |
| 16 | 2026-10 | 107.20 | 10.79 | 96.41 | 4882.13 |
| 17 | 2026-11 | 107.20 | 10.58 | 96.62 | 4785.50 |
| 18 | 2026-12 | 107.20 | 10.37 | 96.83 | 4688.67 |
| 19 | 2027-01 | 107.20 | 10.16 | 97.04 | 4591.63 |
| 20 | 2027-02 | 107.20 | 9.95 | 97.25 | 4494.37 |
| 21 | 2027-03 | 107.20 | 9.74 | 97.46 | 4396.91 |
| 22 | 2027-04 | 107.20 | 9.53 | 97.68 | 4299.23 |
| 23 | 2027-05 | 107.20 | 9.32 | 97.89 | 4201.35 |
| 24 | 2027-06 | 107.20 | 9.10 | 98.10 | 4103.25 |
| 25 | 2027-07 | 107.20 | 8.89 | 98.31 | 4004.94 |
| 26 | 2027-08 | 107.20 | 8.68 | 98.52 | 3906.41 |
| 27 | 2027-09 | 107.20 | 8.46 | 98.74 | 3807.68 |
| 28 | 2027-10 | 107.20 | 8.25 | 98.95 | 3708.72 |
| 29 | 2027-11 | 107.20 | 8.04 | 99.17 | 3609.56 |
| 30 | 2027-12 | 107.20 | 7.82 | 99.38 | 3510.18 |
| 31 | 2028-01 | 107.20 | 7.61 | 99.60 | 3410.58 |
| 32 | 2028-02 | 107.20 | 7.39 | 99.81 | 3310.77 |
| 33 | 2028-03 | 107.20 | 7.17 | 100.03 | 3210.74 |
| 34 | 2028-04 | 107.20 | 6.96 | 100.25 | 3110.50 |
| 35 | 2028-05 | 107.20 | 6.74 | 100.46 | 3010.03 |
| 36 | 2028-06 | 107.20 | 6.52 | 100.68 | 2909.35 |
| 37 | 2028-07 | 107.20 | 6.30 | 100.90 | 2808.46 |
| 38 | 2028-08 | 107.20 | 6.08 | 101.12 | 2707.34 |
| 39 | 2028-09 | 107.20 | 5.87 | 101.34 | 2606.00 |
| 40 | 2028-10 | 107.20 | 5.65 | 101.56 | 2504.45 |
| 41 | 2028-11 | 107.20 | 5.43 | 101.78 | 2402.67 |
| 42 | 2028-12 | 107.20 | 5.21 | 102.00 | 2300.68 |
| 43 | 2029-01 | 107.20 | 4.98 | 102.22 | 2198.46 |
| 44 | 2029-02 | 107.20 | 4.76 | 102.44 | 2096.02 |
| 45 | 2029-03 | 107.20 | 4.54 | 102.66 | 1993.36 |
| 46 | 2029-04 | 107.20 | 4.32 | 102.88 | 1890.48 |
| 47 | 2029-05 | 107.20 | 4.10 | 103.11 | 1787.37 |
| 48 | 2029-06 | 107.20 | 3.87 | 103.33 | 1684.04 |
| 49 | 2029-07 | 107.20 | 3.65 | 103.55 | 1580.49 |
| 50 | 2029-08 | 107.20 | 3.42 | 103.78 | 1476.71 |
| 51 | 2029-09 | 107.20 | 3.20 | 104.00 | 1372.71 |
| 52 | 2029-10 | 107.20 | 2.97 | 104.23 | 1268.48 |
| 53 | 2029-11 | 107.20 | 2.75 | 104.45 | 1164.03 |
| 54 | 2029-12 | 107.20 | 2.52 | 104.68 | 1059.35 |
| 55 | 2030-01 | 107.20 | 2.30 | 104.91 | 954.45 |
| 56 | 2030-02 | 107.20 | 2.07 | 105.13 | 849.31 |
| 57 | 2030-03 | 107.20 | 1.84 | 105.36 | 743.95 |
| 58 | 2030-04 | 107.20 | 1.61 | 105.59 | 638.36 |
| 59 | 2030-05 | 107.20 | 1.38 | 105.82 | 532.54 |
| 60 | 2030-06 | 107.20 | 1.15 | 106.05 | 426.49 |
| 61 | 2030-07 | 107.20 | 0.92 | 106.28 | 320.22 |
| 62 | 2030-08 | 107.20 | 0.69 | 106.51 | 213.71 |
| 63 | 2030-09 | 107.20 | 0.46 | 106.74 | 106.97 |
| 64 | 2030-10 | 107.20 | 0.23 | 106.97 | 0.00 |
等额本金还款方式：
贷款总额：6400元
还款月数：5年4个月
首月还款：113.87元
每月递减：0.22元
利息总额：450.67元
本息合计：6850.67元
节省利息：10.24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 | 113.87 | 13.87 | 100.00 | 6300.00 |
| 2 | 2025-08 | 113.65 | 13.65 | 100.00 | 6200.00 |
| 3 | 2025-09 | 113.43 | 13.43 | 100.00 | 6100.00 |
| 4 | 2025-10 | 113.22 | 13.22 | 100.00 | 6000.00 |
| 5 | 2025-11 | 113.00 | 13.00 | 100.00 | 5900.00 |
| 6 | 2025-12 | 112.78 | 12.78 | 100.00 | 5800.00 |
| 7 | 2026-01 | 112.57 | 12.57 | 100.00 | 5700.00 |
| 8 | 2026-02 | 112.35 | 12.35 | 100.00 | 5600.00 |
| 9 | 2026-03 | 112.13 | 12.13 | 100.00 | 5500.00 |
| 10 | 2026-04 | 111.92 | 11.92 | 100.00 | 5400.00 |
| 11 | 2026-05 | 111.70 | 11.70 | 100.00 | 5300.00 |
| 12 | 2026-06 | 111.48 | 11.48 | 100.00 | 5200.00 |
| 13 | 2026-07 | 111.27 | 11.27 | 100.00 | 5100.00 |
| 14 | 2026-08 | 111.05 | 11.05 | 100.00 | 5000.00 |
| 15 | 2026-09 | 110.83 | 10.83 | 100.00 | 4900.00 |
| 16 | 2026-10 | 110.62 | 10.62 | 100.00 | 4800.00 |
| 17 | 2026-11 | 110.40 | 10.40 | 100.00 | 4700.00 |
| 18 | 2026-12 | 110.18 | 10.18 | 100.00 | 4600.00 |
| 19 | 2027-01 | 109.97 | 9.97 | 100.00 | 4500.00 |
| 20 | 2027-02 | 109.75 | 9.75 | 100.00 | 4400.00 |
| 21 | 2027-03 | 109.53 | 9.53 | 100.00 | 4300.00 |
| 22 | 2027-04 | 109.32 | 9.32 | 100.00 | 4200.00 |
| 23 | 2027-05 | 109.10 | 9.10 | 100.00 | 4100.00 |
| 24 | 2027-06 | 108.88 | 8.88 | 100.00 | 4000.00 |
| 25 | 2027-07 | 108.67 | 8.67 | 100.00 | 3900.00 |
| 26 | 2027-08 | 108.45 | 8.45 | 100.00 | 3800.00 |
| 27 | 2027-09 | 108.23 | 8.23 | 100.00 | 3700.00 |
| 28 | 2027-10 | 108.02 | 8.02 | 100.00 | 3600.00 |
| 29 | 2027-11 | 107.80 | 7.80 | 100.00 | 3500.00 |
| 30 | 2027-12 | 107.58 | 7.58 | 100.00 | 3400.00 |
| 31 | 2028-01 | 107.37 | 7.37 | 100.00 | 3300.00 |
| 32 | 2028-02 | 107.15 | 7.15 | 100.00 | 3200.00 |
| 33 | 2028-03 | 106.93 | 6.93 | 100.00 | 3100.00 |
| 34 | 2028-04 | 106.72 | 6.72 | 100.00 | 3000.00 |
| 35 | 2028-05 | 106.50 | 6.50 | 100.00 | 2900.00 |
| 36 | 2028-06 | 106.28 | 6.28 | 100.00 | 2800.00 |
| 37 | 2028-07 | 106.07 | 6.07 | 100.00 | 2700.00 |
| 38 | 2028-08 | 105.85 | 5.85 | 100.00 | 2600.00 |
| 39 | 2028-09 | 105.63 | 5.63 | 100.00 | 2500.00 |
| 40 | 2028-10 | 105.42 | 5.42 | 100.00 | 2400.00 |
| 41 | 2028-11 | 105.20 | 5.20 | 100.00 | 2300.00 |
| 42 | 2028-12 | 104.98 | 4.98 | 100.00 | 2200.00 |
| 43 | 2029-01 | 104.77 | 4.77 | 100.00 | 2100.00 |
| 44 | 2029-02 | 104.55 | 4.55 | 100.00 | 2000.00 |
| 45 | 2029-03 | 104.33 | 4.33 | 100.00 | 1900.00 |
| 46 | 2029-04 | 104.12 | 4.12 | 100.00 | 1800.00 |
| 47 | 2029-05 | 103.90 | 3.90 | 100.00 | 1700.00 |
| 48 | 2029-06 | 103.68 | 3.68 | 100.00 | 1600.00 |
| 49 | 2029-07 | 103.47 | 3.47 | 100.00 | 1500.00 |
| 50 | 2029-08 | 103.25 | 3.25 | 100.00 | 1400.00 |
| 51 | 2029-09 | 103.03 | 3.03 | 100.00 | 1300.00 |
| 52 | 2029-10 | 102.82 | 2.82 | 100.00 | 1200.00 |
| 53 | 2029-11 | 102.60 | 2.60 | 100.00 | 1100.00 |
| 54 | 2029-12 | 102.38 | 2.38 | 100.00 | 1000.00 |
| 55 | 2030-01 | 102.17 | 2.17 | 100.00 | 900.00 |
| 56 | 2030-02 | 101.95 | 1.95 | 100.00 | 800.00 |
| 57 | 2030-03 | 101.73 | 1.73 | 100.00 | 700.00 |
| 58 | 2030-04 | 101.52 | 1.52 | 100.00 | 600.00 |
| 59 | 2030-05 | 101.30 | 1.30 | 100.00 | 500.00 |
| 60 | 2030-06 | 101.08 | 1.08 | 100.00 | 400.00 |
| 61 | 2030-07 | 100.87 | 0.87 | 100.00 | 300.00 |
| 62 | 2030-08 | 100.65 | 0.65 | 100.00 | 200.00 |
| 63 | 2030-09 | 100.43 | 0.43 | 100.00 | 100.00 |
| 64 | 2030-10 | 100.22 | 0.22 | 100.00 | 0.00 |