贷款4.52万（公积金贷款）房贷，还款8年2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：4.52万
还款月数：8年2个月
每月还款：518.06元
利息总额：5523.15元
本息合计：5.08万
| 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 | 518.06 | 107.46 | 410.60 | 44836.24 |
| 2 | 2025-08 | 518.06 | 106.49 | 411.58 | 44424.67 |
| 3 | 2025-09 | 518.06 | 105.51 | 412.55 | 44012.11 |
| 4 | 2025-10 | 518.06 | 104.53 | 413.53 | 43598.58 |
| 5 | 2025-11 | 518.06 | 103.55 | 414.51 | 43184.07 |
| 6 | 2025-12 | 518.06 | 102.56 | 415.50 | 42768.57 |
| 7 | 2026-01 | 518.06 | 101.58 | 416.49 | 42352.08 |
| 8 | 2026-02 | 518.06 | 100.59 | 417.47 | 41934.61 |
| 9 | 2026-03 | 518.06 | 99.59 | 418.47 | 41516.14 |
| 10 | 2026-04 | 518.06 | 98.60 | 419.46 | 41096.68 |
| 11 | 2026-05 | 518.06 | 97.60 | 420.46 | 40676.22 |
| 12 | 2026-06 | 518.06 | 96.61 | 421.46 | 40254.77 |
| 13 | 2026-07 | 518.06 | 95.61 | 422.46 | 39832.31 |
| 14 | 2026-08 | 518.06 | 94.60 | 423.46 | 39408.85 |
| 15 | 2026-09 | 518.06 | 93.60 | 424.47 | 38984.39 |
| 16 | 2026-10 | 518.06 | 92.59 | 425.47 | 38558.91 |
| 17 | 2026-11 | 518.06 | 91.58 | 426.48 | 38132.43 |
| 18 | 2026-12 | 518.06 | 90.56 | 427.50 | 37704.93 |
| 19 | 2027-01 | 518.06 | 89.55 | 428.51 | 37276.42 |
| 20 | 2027-02 | 518.06 | 88.53 | 429.53 | 36846.89 |
| 21 | 2027-03 | 518.06 | 87.51 | 430.55 | 36416.34 |
| 22 | 2027-04 | 518.06 | 86.49 | 431.57 | 35984.77 |
| 23 | 2027-05 | 518.06 | 85.46 | 432.60 | 35552.17 |
| 24 | 2027-06 | 518.06 | 84.44 | 433.62 | 35118.55 |
| 25 | 2027-07 | 518.06 | 83.41 | 434.65 | 34683.89 |
| 26 | 2027-08 | 518.06 | 82.37 | 435.69 | 34248.21 |
| 27 | 2027-09 | 518.06 | 81.34 | 436.72 | 33811.49 |
| 28 | 2027-10 | 518.06 | 80.30 | 437.76 | 33373.73 |
| 29 | 2027-11 | 518.06 | 79.26 | 438.80 | 32934.93 |
| 30 | 2027-12 | 518.06 | 78.22 | 439.84 | 32495.09 |
| 31 | 2028-01 | 518.06 | 77.18 | 440.89 | 32054.20 |
| 32 | 2028-02 | 518.06 | 76.13 | 441.93 | 31612.27 |
| 33 | 2028-03 | 518.06 | 75.08 | 442.98 | 31169.29 |
| 34 | 2028-04 | 518.06 | 74.03 | 444.03 | 30725.25 |
| 35 | 2028-05 | 518.06 | 72.97 | 445.09 | 30280.17 |
| 36 | 2028-06 | 518.06 | 71.92 | 446.15 | 29834.02 |
| 37 | 2028-07 | 518.06 | 70.86 | 447.21 | 29386.82 |
| 38 | 2028-08 | 518.06 | 69.79 | 448.27 | 28938.55 |
| 39 | 2028-09 | 518.06 | 68.73 | 449.33 | 28489.22 |
| 40 | 2028-10 | 518.06 | 67.66 | 450.40 | 28038.82 |
| 41 | 2028-11 | 518.06 | 66.59 | 451.47 | 27587.35 |
| 42 | 2028-12 | 518.06 | 65.52 | 452.54 | 27134.81 |
| 43 | 2029-01 | 518.06 | 64.45 | 453.62 | 26681.19 |
| 44 | 2029-02 | 518.06 | 63.37 | 454.69 | 26226.50 |
| 45 | 2029-03 | 518.06 | 62.29 | 455.77 | 25770.72 |
| 46 | 2029-04 | 518.06 | 61.21 | 456.86 | 25313.87 |
| 47 | 2029-05 | 518.06 | 60.12 | 457.94 | 24855.93 |
| 48 | 2029-06 | 518.06 | 59.03 | 459.03 | 24396.90 |
| 49 | 2029-07 | 518.06 | 57.94 | 460.12 | 23936.78 |
| 50 | 2029-08 | 518.06 | 56.85 | 461.21 | 23475.57 |
| 51 | 2029-09 | 518.06 | 55.75 | 462.31 | 23013.26 |
| 52 | 2029-10 | 518.06 | 54.66 | 463.40 | 22549.86 |
| 53 | 2029-11 | 518.06 | 53.56 | 464.51 | 22085.35 |
| 54 | 2029-12 | 518.06 | 52.45 | 465.61 | 21619.75 |
| 55 | 2030-01 | 518.06 | 51.35 | 466.71 | 21153.03 |
| 56 | 2030-02 | 518.06 | 50.24 | 467.82 | 20685.21 |
| 57 | 2030-03 | 518.06 | 49.13 | 468.93 | 20216.27 |
| 58 | 2030-04 | 518.06 | 48.01 | 470.05 | 19746.23 |
| 59 | 2030-05 | 518.06 | 46.90 | 471.16 | 19275.06 |
| 60 | 2030-06 | 518.06 | 45.78 | 472.28 | 18802.78 |
| 61 | 2030-07 | 518.06 | 44.66 | 473.40 | 18329.38 |
| 62 | 2030-08 | 518.06 | 43.53 | 474.53 | 17854.85 |
| 63 | 2030-09 | 518.06 | 42.41 | 475.66 | 17379.19 |
| 64 | 2030-10 | 518.06 | 41.28 | 476.79 | 16902.41 |
| 65 | 2030-11 | 518.06 | 40.14 | 477.92 | 16424.49 |
| 66 | 2030-12 | 518.06 | 39.01 | 479.05 | 15945.44 |
| 67 | 2031-01 | 518.06 | 37.87 | 480.19 | 15465.24 |
| 68 | 2031-02 | 518.06 | 36.73 | 481.33 | 14983.91 |
| 69 | 2031-03 | 518.06 | 35.59 | 482.47 | 14501.44 |
| 70 | 2031-04 | 518.06 | 34.44 | 483.62 | 14017.82 |
| 71 | 2031-05 | 518.06 | 33.29 | 484.77 | 13533.05 |
| 72 | 2031-06 | 518.06 | 32.14 | 485.92 | 13047.13 |
| 73 | 2031-07 | 518.06 | 30.99 | 487.07 | 12560.06 |
| 74 | 2031-08 | 518.06 | 29.83 | 488.23 | 12071.82 |
| 75 | 2031-09 | 518.06 | 28.67 | 489.39 | 11582.43 |
| 76 | 2031-10 | 518.06 | 27.51 | 490.55 | 11091.88 |
| 77 | 2031-11 | 518.06 | 26.34 | 491.72 | 10600.16 |
| 78 | 2031-12 | 518.06 | 25.18 | 492.89 | 10107.28 |
| 79 | 2032-01 | 518.06 | 24.00 | 494.06 | 9613.22 |
| 80 | 2032-02 | 518.06 | 22.83 | 495.23 | 9117.99 |
| 81 | 2032-03 | 518.06 | 21.66 | 496.41 | 8621.59 |
| 82 | 2032-04 | 518.06 | 20.48 | 497.58 | 8124.00 |
| 83 | 2032-05 | 518.06 | 19.29 | 498.77 | 7625.23 |
| 84 | 2032-06 | 518.06 | 18.11 | 499.95 | 7125.28 |
| 85 | 2032-07 | 518.06 | 16.92 | 501.14 | 6624.15 |
| 86 | 2032-08 | 518.06 | 15.73 | 502.33 | 6121.82 |
| 87 | 2032-09 | 518.06 | 14.54 | 503.52 | 5618.29 |
| 88 | 2032-10 | 518.06 | 13.34 | 504.72 | 5113.58 |
| 89 | 2032-11 | 518.06 | 12.14 | 505.92 | 4607.66 |
| 90 | 2032-12 | 518.06 | 10.94 | 507.12 | 4100.54 |
| 91 | 2033-01 | 518.06 | 9.74 | 508.32 | 3592.22 |
| 92 | 2033-02 | 518.06 | 8.53 | 509.53 | 3082.69 |
| 93 | 2033-03 | 518.06 | 7.32 | 510.74 | 2571.95 |
| 94 | 2033-04 | 518.06 | 6.11 | 511.95 | 2060.00 |
| 95 | 2033-05 | 518.06 | 4.89 | 513.17 | 1546.83 |
| 96 | 2033-06 | 518.06 | 3.67 | 514.39 | 1032.44 |
| 97 | 2033-07 | 518.06 | 2.45 | 515.61 | 516.83 |
| 98 | 2033-08 | 518.06 | 1.23 | 516.83 | 0.00 |
等额本金还款方式：
贷款总额：4.52万
还款月数：8年2个月
首月还款：569.16元
每月递减：1.1元
利息总额：5319.33元
本息合计：5.06万
节省利息：203.81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 | 569.16 | 107.46 | 461.70 | 44785.14 |
| 2 | 2025-08 | 568.07 | 106.36 | 461.70 | 44323.44 |
| 3 | 2025-09 | 566.97 | 105.27 | 461.70 | 43861.73 |
| 4 | 2025-10 | 565.87 | 104.17 | 461.70 | 43400.03 |
| 5 | 2025-11 | 564.78 | 103.08 | 461.70 | 42938.33 |
| 6 | 2025-12 | 563.68 | 101.98 | 461.70 | 42476.63 |
| 7 | 2026-01 | 562.58 | 100.88 | 461.70 | 42014.92 |
| 8 | 2026-02 | 561.49 | 99.79 | 461.70 | 41553.22 |
| 9 | 2026-03 | 560.39 | 98.69 | 461.70 | 41091.52 |
| 10 | 2026-04 | 559.29 | 97.59 | 461.70 | 40629.82 |
| 11 | 2026-05 | 558.20 | 96.50 | 461.70 | 40168.11 |
| 12 | 2026-06 | 557.10 | 95.40 | 461.70 | 39706.41 |
| 13 | 2026-07 | 556.01 | 94.30 | 461.70 | 39244.71 |
| 14 | 2026-08 | 554.91 | 93.21 | 461.70 | 38783.01 |
| 15 | 2026-09 | 553.81 | 92.11 | 461.70 | 38321.30 |
| 16 | 2026-10 | 552.72 | 91.01 | 461.70 | 37859.60 |
| 17 | 2026-11 | 551.62 | 89.92 | 461.70 | 37397.90 |
| 18 | 2026-12 | 550.52 | 88.82 | 461.70 | 36936.20 |
| 19 | 2027-01 | 549.43 | 87.72 | 461.70 | 36474.49 |
| 20 | 2027-02 | 548.33 | 86.63 | 461.70 | 36012.79 |
| 21 | 2027-03 | 547.23 | 85.53 | 461.70 | 35551.09 |
| 22 | 2027-04 | 546.14 | 84.43 | 461.70 | 35089.39 |
| 23 | 2027-05 | 545.04 | 83.34 | 461.70 | 34627.68 |
| 24 | 2027-06 | 543.94 | 82.24 | 461.70 | 34165.98 |
| 25 | 2027-07 | 542.85 | 81.14 | 461.70 | 33704.28 |
| 26 | 2027-08 | 541.75 | 80.05 | 461.70 | 33242.58 |
| 27 | 2027-09 | 540.65 | 78.95 | 461.70 | 32780.87 |
| 28 | 2027-10 | 539.56 | 77.85 | 461.70 | 32319.17 |
| 29 | 2027-11 | 538.46 | 76.76 | 461.70 | 31857.47 |
| 30 | 2027-12 | 537.36 | 75.66 | 461.70 | 31395.77 |
| 31 | 2028-01 | 536.27 | 74.56 | 461.70 | 30934.06 |
| 32 | 2028-02 | 535.17 | 73.47 | 461.70 | 30472.36 |
| 33 | 2028-03 | 534.07 | 72.37 | 461.70 | 30010.66 |
| 34 | 2028-04 | 532.98 | 71.28 | 461.70 | 29548.96 |
| 35 | 2028-05 | 531.88 | 70.18 | 461.70 | 29087.25 |
| 36 | 2028-06 | 530.78 | 69.08 | 461.70 | 28625.55 |
| 37 | 2028-07 | 529.69 | 67.99 | 461.70 | 28163.85 |
| 38 | 2028-08 | 528.59 | 66.89 | 461.70 | 27702.15 |
| 39 | 2028-09 | 527.50 | 65.79 | 461.70 | 27240.44 |
| 40 | 2028-10 | 526.40 | 64.70 | 461.70 | 26778.74 |
| 41 | 2028-11 | 525.30 | 63.60 | 461.70 | 26317.04 |
| 42 | 2028-12 | 524.21 | 62.50 | 461.70 | 25855.34 |
| 43 | 2029-01 | 523.11 | 61.41 | 461.70 | 25393.63 |
| 44 | 2029-02 | 522.01 | 60.31 | 461.70 | 24931.93 |
| 45 | 2029-03 | 520.92 | 59.21 | 461.70 | 24470.23 |
| 46 | 2029-04 | 519.82 | 58.12 | 461.70 | 24008.53 |
| 47 | 2029-05 | 518.72 | 57.02 | 461.70 | 23546.82 |
| 48 | 2029-06 | 517.63 | 55.92 | 461.70 | 23085.12 |
| 49 | 2029-07 | 516.53 | 54.83 | 461.70 | 22623.42 |
| 50 | 2029-08 | 515.43 | 53.73 | 461.70 | 22161.72 |
| 51 | 2029-09 | 514.34 | 52.63 | 461.70 | 21700.02 |
| 52 | 2029-10 | 513.24 | 51.54 | 461.70 | 21238.31 |
| 53 | 2029-11 | 512.14 | 50.44 | 461.70 | 20776.61 |
| 54 | 2029-12 | 511.05 | 49.34 | 461.70 | 20314.91 |
| 55 | 2030-01 | 509.95 | 48.25 | 461.70 | 19853.21 |
| 56 | 2030-02 | 508.85 | 47.15 | 461.70 | 19391.50 |
| 57 | 2030-03 | 507.76 | 46.05 | 461.70 | 18929.80 |
| 58 | 2030-04 | 506.66 | 44.96 | 461.70 | 18468.10 |
| 59 | 2030-05 | 505.56 | 43.86 | 461.70 | 18006.40 |
| 60 | 2030-06 | 504.47 | 42.77 | 461.70 | 17544.69 |
| 61 | 2030-07 | 503.37 | 41.67 | 461.70 | 17082.99 |
| 62 | 2030-08 | 502.27 | 40.57 | 461.70 | 16621.29 |
| 63 | 2030-09 | 501.18 | 39.48 | 461.70 | 16159.59 |
| 64 | 2030-10 | 500.08 | 38.38 | 461.70 | 15697.88 |
| 65 | 2030-11 | 498.98 | 37.28 | 461.70 | 15236.18 |
| 66 | 2030-12 | 497.89 | 36.19 | 461.70 | 14774.48 |
| 67 | 2031-01 | 496.79 | 35.09 | 461.70 | 14312.78 |
| 68 | 2031-02 | 495.70 | 33.99 | 461.70 | 13851.07 |
| 69 | 2031-03 | 494.60 | 32.90 | 461.70 | 13389.37 |
| 70 | 2031-04 | 493.50 | 31.80 | 461.70 | 12927.67 |
| 71 | 2031-05 | 492.41 | 30.70 | 461.70 | 12465.97 |
| 72 | 2031-06 | 491.31 | 29.61 | 461.70 | 12004.26 |
| 73 | 2031-07 | 490.21 | 28.51 | 461.70 | 11542.56 |
| 74 | 2031-08 | 489.12 | 27.41 | 461.70 | 11080.86 |
| 75 | 2031-09 | 488.02 | 26.32 | 461.70 | 10619.16 |
| 76 | 2031-10 | 486.92 | 25.22 | 461.70 | 10157.45 |
| 77 | 2031-11 | 485.83 | 24.12 | 461.70 | 9695.75 |
| 78 | 2031-12 | 484.73 | 23.03 | 461.70 | 9234.05 |
| 79 | 2032-01 | 483.63 | 21.93 | 461.70 | 8772.35 |
| 80 | 2032-02 | 482.54 | 20.83 | 461.70 | 8310.64 |
| 81 | 2032-03 | 481.44 | 19.74 | 461.70 | 7848.94 |
| 82 | 2032-04 | 480.34 | 18.64 | 461.70 | 7387.24 |
| 83 | 2032-05 | 479.25 | 17.54 | 461.70 | 6925.54 |
| 84 | 2032-06 | 478.15 | 16.45 | 461.70 | 6463.83 |
| 85 | 2032-07 | 477.05 | 15.35 | 461.70 | 6002.13 |
| 86 | 2032-08 | 475.96 | 14.26 | 461.70 | 5540.43 |
| 87 | 2032-09 | 474.86 | 13.16 | 461.70 | 5078.73 |
| 88 | 2032-10 | 473.76 | 12.06 | 461.70 | 4617.02 |
| 89 | 2032-11 | 472.67 | 10.97 | 461.70 | 4155.32 |
| 90 | 2032-12 | 471.57 | 9.87 | 461.70 | 3693.62 |
| 91 | 2033-01 | 470.47 | 8.77 | 461.70 | 3231.92 |
| 92 | 2033-02 | 469.38 | 7.68 | 461.70 | 2770.21 |
| 93 | 2033-03 | 468.28 | 6.58 | 461.70 | 2308.51 |
| 94 | 2033-04 | 467.19 | 5.48 | 461.70 | 1846.81 |
| 95 | 2033-05 | 466.09 | 4.39 | 461.70 | 1385.11 |
| 96 | 2033-06 | 464.99 | 3.29 | 461.70 | 923.40 |
| 97 | 2033-07 | 463.90 | 2.19 | 461.70 | 461.70 |
| 98 | 2033-08 | 462.80 | 1.10 | 461.70 | 0.00 |