贷款2.39万（公积金贷款）房贷，还款6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：2.39万
还款月数：6年4个月
每月还款：340.86元
利息总额：2044.22元
本息合计：2.59万
| 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 | 340.86 | 51.70 | 289.16 | 23571.75 |
| 2 | 2025-08 | 340.86 | 51.07 | 289.78 | 23281.97 |
| 3 | 2025-09 | 340.86 | 50.44 | 290.41 | 22991.55 |
| 4 | 2025-10 | 340.86 | 49.82 | 291.04 | 22700.51 |
| 5 | 2025-11 | 340.86 | 49.18 | 291.67 | 22408.84 |
| 6 | 2025-12 | 340.86 | 48.55 | 292.30 | 22116.54 |
| 7 | 2026-01 | 340.86 | 47.92 | 292.94 | 21823.60 |
| 8 | 2026-02 | 340.86 | 47.28 | 293.57 | 21530.02 |
| 9 | 2026-03 | 340.86 | 46.65 | 294.21 | 21235.82 |
| 10 | 2026-04 | 340.86 | 46.01 | 294.85 | 20940.97 |
| 11 | 2026-05 | 340.86 | 45.37 | 295.48 | 20645.49 |
| 12 | 2026-06 | 340.86 | 44.73 | 296.13 | 20349.36 |
| 13 | 2026-07 | 340.86 | 44.09 | 296.77 | 20052.59 |
| 14 | 2026-08 | 340.86 | 43.45 | 297.41 | 19755.18 |
| 15 | 2026-09 | 340.86 | 42.80 | 298.05 | 19457.13 |
| 16 | 2026-10 | 340.86 | 42.16 | 298.70 | 19158.43 |
| 17 | 2026-11 | 340.86 | 41.51 | 299.35 | 18859.08 |
| 18 | 2026-12 | 340.86 | 40.86 | 300.00 | 18559.09 |
| 19 | 2027-01 | 340.86 | 40.21 | 300.65 | 18258.44 |
| 20 | 2027-02 | 340.86 | 39.56 | 301.30 | 17957.14 |
| 21 | 2027-03 | 340.86 | 38.91 | 301.95 | 17655.19 |
| 22 | 2027-04 | 340.86 | 38.25 | 302.60 | 17352.59 |
| 23 | 2027-05 | 340.86 | 37.60 | 303.26 | 17049.33 |
| 24 | 2027-06 | 340.86 | 36.94 | 303.92 | 16745.41 |
| 25 | 2027-07 | 340.86 | 36.28 | 304.58 | 16440.84 |
| 26 | 2027-08 | 340.86 | 35.62 | 305.24 | 16135.60 |
| 27 | 2027-09 | 340.86 | 34.96 | 305.90 | 15829.71 |
| 28 | 2027-10 | 340.86 | 34.30 | 306.56 | 15523.15 |
| 29 | 2027-11 | 340.86 | 33.63 | 307.22 | 15215.92 |
| 30 | 2027-12 | 340.86 | 32.97 | 307.89 | 14908.03 |
| 31 | 2028-01 | 340.86 | 32.30 | 308.56 | 14599.48 |
| 32 | 2028-02 | 340.86 | 31.63 | 309.22 | 14290.25 |
| 33 | 2028-03 | 340.86 | 30.96 | 309.89 | 13980.36 |
| 34 | 2028-04 | 340.86 | 30.29 | 310.57 | 13669.79 |
| 35 | 2028-05 | 340.86 | 29.62 | 311.24 | 13358.55 |
| 36 | 2028-06 | 340.86 | 28.94 | 311.91 | 13046.64 |
| 37 | 2028-07 | 340.86 | 28.27 | 312.59 | 12734.05 |
| 38 | 2028-08 | 340.86 | 27.59 | 313.27 | 12420.78 |
| 39 | 2028-09 | 340.86 | 26.91 | 313.95 | 12106.84 |
| 40 | 2028-10 | 340.86 | 26.23 | 314.63 | 11792.21 |
| 41 | 2028-11 | 340.86 | 25.55 | 315.31 | 11476.91 |
| 42 | 2028-12 | 340.86 | 24.87 | 315.99 | 11160.92 |
| 43 | 2029-01 | 340.86 | 24.18 | 316.68 | 10844.24 |
| 44 | 2029-02 | 340.86 | 23.50 | 317.36 | 10526.88 |
| 45 | 2029-03 | 340.86 | 22.81 | 318.05 | 10208.83 |
| 46 | 2029-04 | 340.86 | 22.12 | 318.74 | 9890.09 |
| 47 | 2029-05 | 340.86 | 21.43 | 319.43 | 9570.66 |
| 48 | 2029-06 | 340.86 | 20.74 | 320.12 | 9250.54 |
| 49 | 2029-07 | 340.86 | 20.04 | 320.81 | 8929.73 |
| 50 | 2029-08 | 340.86 | 19.35 | 321.51 | 8608.22 |
| 51 | 2029-09 | 340.86 | 18.65 | 322.21 | 8286.02 |
| 52 | 2029-10 | 340.86 | 17.95 | 322.90 | 7963.11 |
| 53 | 2029-11 | 340.86 | 17.25 | 323.60 | 7639.51 |
| 54 | 2029-12 | 340.86 | 16.55 | 324.30 | 7315.20 |
| 55 | 2030-01 | 340.86 | 15.85 | 325.01 | 6990.20 |
| 56 | 2030-02 | 340.86 | 15.15 | 325.71 | 6664.48 |
| 57 | 2030-03 | 340.86 | 14.44 | 326.42 | 6338.07 |
| 58 | 2030-04 | 340.86 | 13.73 | 327.12 | 6010.94 |
| 59 | 2030-05 | 340.86 | 13.02 | 327.83 | 5683.11 |
| 60 | 2030-06 | 340.86 | 12.31 | 328.54 | 5354.57 |
| 61 | 2030-07 | 340.86 | 11.60 | 329.26 | 5025.31 |
| 62 | 2030-08 | 340.86 | 10.89 | 329.97 | 4695.34 |
| 63 | 2030-09 | 340.86 | 10.17 | 330.68 | 4364.66 |
| 64 | 2030-10 | 340.86 | 9.46 | 331.40 | 4033.26 |
| 65 | 2030-11 | 340.86 | 8.74 | 332.12 | 3701.14 |
| 66 | 2030-12 | 340.86 | 8.02 | 332.84 | 3368.30 |
| 67 | 2031-01 | 340.86 | 7.30 | 333.56 | 3034.74 |
| 68 | 2031-02 | 340.86 | 6.58 | 334.28 | 2700.46 |
| 69 | 2031-03 | 340.86 | 5.85 | 335.01 | 2365.45 |
| 70 | 2031-04 | 340.86 | 5.13 | 335.73 | 2029.72 |
| 71 | 2031-05 | 340.86 | 4.40 | 336.46 | 1693.26 |
| 72 | 2031-06 | 340.86 | 3.67 | 337.19 | 1356.07 |
| 73 | 2031-07 | 340.86 | 2.94 | 337.92 | 1018.16 |
| 74 | 2031-08 | 340.86 | 2.21 | 338.65 | 679.50 |
| 75 | 2031-09 | 340.86 | 1.47 | 339.38 | 340.12 |
| 76 | 2031-10 | 340.86 | 0.74 | 340.12 | 0.00 |
等额本金还款方式：
贷款总额：2.39万
还款月数：6年4个月
首月还款：365.66元
每月递减：0.68元
利息总额：1990.4元
本息合计：2.59万
节省利息：53.82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 | 365.66 | 51.70 | 313.96 | 23546.95 |
| 2 | 2025-08 | 364.98 | 51.02 | 313.96 | 23232.99 |
| 3 | 2025-09 | 364.30 | 50.34 | 313.96 | 22919.03 |
| 4 | 2025-10 | 363.62 | 49.66 | 313.96 | 22605.07 |
| 5 | 2025-11 | 362.94 | 48.98 | 313.96 | 22291.11 |
| 6 | 2025-12 | 362.26 | 48.30 | 313.96 | 21977.15 |
| 7 | 2026-01 | 361.58 | 47.62 | 313.96 | 21663.19 |
| 8 | 2026-02 | 360.90 | 46.94 | 313.96 | 21349.24 |
| 9 | 2026-03 | 360.22 | 46.26 | 313.96 | 21035.28 |
| 10 | 2026-04 | 359.54 | 45.58 | 313.96 | 20721.32 |
| 11 | 2026-05 | 358.86 | 44.90 | 313.96 | 20407.36 |
| 12 | 2026-06 | 358.18 | 44.22 | 313.96 | 20093.40 |
| 13 | 2026-07 | 357.50 | 43.54 | 313.96 | 19779.44 |
| 14 | 2026-08 | 356.81 | 42.86 | 313.96 | 19465.48 |
| 15 | 2026-09 | 356.13 | 42.18 | 313.96 | 19151.52 |
| 16 | 2026-10 | 355.45 | 41.49 | 313.96 | 18837.56 |
| 17 | 2026-11 | 354.77 | 40.81 | 313.96 | 18523.60 |
| 18 | 2026-12 | 354.09 | 40.13 | 313.96 | 18209.64 |
| 19 | 2027-01 | 353.41 | 39.45 | 313.96 | 17895.68 |
| 20 | 2027-02 | 352.73 | 38.77 | 313.96 | 17581.72 |
| 21 | 2027-03 | 352.05 | 38.09 | 313.96 | 17267.76 |
| 22 | 2027-04 | 351.37 | 37.41 | 313.96 | 16953.80 |
| 23 | 2027-05 | 350.69 | 36.73 | 313.96 | 16639.85 |
| 24 | 2027-06 | 350.01 | 36.05 | 313.96 | 16325.89 |
| 25 | 2027-07 | 349.33 | 35.37 | 313.96 | 16011.93 |
| 26 | 2027-08 | 348.65 | 34.69 | 313.96 | 15697.97 |
| 27 | 2027-09 | 347.97 | 34.01 | 313.96 | 15384.01 |
| 28 | 2027-10 | 347.29 | 33.33 | 313.96 | 15070.05 |
| 29 | 2027-11 | 346.61 | 32.65 | 313.96 | 14756.09 |
| 30 | 2027-12 | 345.93 | 31.97 | 313.96 | 14442.13 |
| 31 | 2028-01 | 345.25 | 31.29 | 313.96 | 14128.17 |
| 32 | 2028-02 | 344.57 | 30.61 | 313.96 | 13814.21 |
| 33 | 2028-03 | 343.89 | 29.93 | 313.96 | 13500.25 |
| 34 | 2028-04 | 343.21 | 29.25 | 313.96 | 13186.29 |
| 35 | 2028-05 | 342.53 | 28.57 | 313.96 | 12872.33 |
| 36 | 2028-06 | 341.85 | 27.89 | 313.96 | 12558.37 |
| 37 | 2028-07 | 341.17 | 27.21 | 313.96 | 12244.41 |
| 38 | 2028-08 | 340.49 | 26.53 | 313.96 | 11930.45 |
| 39 | 2028-09 | 339.81 | 25.85 | 313.96 | 11616.50 |
| 40 | 2028-10 | 339.13 | 25.17 | 313.96 | 11302.54 |
| 41 | 2028-11 | 338.45 | 24.49 | 313.96 | 10988.58 |
| 42 | 2028-12 | 337.77 | 23.81 | 313.96 | 10674.62 |
| 43 | 2029-01 | 337.09 | 23.13 | 313.96 | 10360.66 |
| 44 | 2029-02 | 336.41 | 22.45 | 313.96 | 10046.70 |
| 45 | 2029-03 | 335.73 | 21.77 | 313.96 | 9732.74 |
| 46 | 2029-04 | 335.05 | 21.09 | 313.96 | 9418.78 |
| 47 | 2029-05 | 334.37 | 20.41 | 313.96 | 9104.82 |
| 48 | 2029-06 | 333.69 | 19.73 | 313.96 | 8790.86 |
| 49 | 2029-07 | 333.01 | 19.05 | 313.96 | 8476.90 |
| 50 | 2029-08 | 332.33 | 18.37 | 313.96 | 8162.94 |
| 51 | 2029-09 | 331.65 | 17.69 | 313.96 | 7848.98 |
| 52 | 2029-10 | 330.97 | 17.01 | 313.96 | 7535.02 |
| 53 | 2029-11 | 330.29 | 16.33 | 313.96 | 7221.06 |
| 54 | 2029-12 | 329.60 | 15.65 | 313.96 | 6907.11 |
| 55 | 2030-01 | 328.92 | 14.97 | 313.96 | 6593.15 |
| 56 | 2030-02 | 328.24 | 14.29 | 313.96 | 6279.19 |
| 57 | 2030-03 | 327.56 | 13.60 | 313.96 | 5965.23 |
| 58 | 2030-04 | 326.88 | 12.92 | 313.96 | 5651.27 |
| 59 | 2030-05 | 326.20 | 12.24 | 313.96 | 5337.31 |
| 60 | 2030-06 | 325.52 | 11.56 | 313.96 | 5023.35 |
| 61 | 2030-07 | 324.84 | 10.88 | 313.96 | 4709.39 |
| 62 | 2030-08 | 324.16 | 10.20 | 313.96 | 4395.43 |
| 63 | 2030-09 | 323.48 | 9.52 | 313.96 | 4081.47 |
| 64 | 2030-10 | 322.80 | 8.84 | 313.96 | 3767.51 |
| 65 | 2030-11 | 322.12 | 8.16 | 313.96 | 3453.55 |
| 66 | 2030-12 | 321.44 | 7.48 | 313.96 | 3139.59 |
| 67 | 2031-01 | 320.76 | 6.80 | 313.96 | 2825.63 |
| 68 | 2031-02 | 320.08 | 6.12 | 313.96 | 2511.67 |
| 69 | 2031-03 | 319.40 | 5.44 | 313.96 | 2197.72 |
| 70 | 2031-04 | 318.72 | 4.76 | 313.96 | 1883.76 |
| 71 | 2031-05 | 318.04 | 4.08 | 313.96 | 1569.80 |
| 72 | 2031-06 | 317.36 | 3.40 | 313.96 | 1255.84 |
| 73 | 2031-07 | 316.68 | 2.72 | 313.96 | 941.88 |
| 74 | 2031-08 | 316.00 | 2.04 | 313.96 | 627.92 |
| 75 | 2031-09 | 315.32 | 1.36 | 313.96 | 313.96 |
| 76 | 2031-10 | 314.64 | 0.68 | 313.96 | 0.00 |