贷款1.6万（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：1.6万
还款月数：6年3个月
每月还款：232.08元
利息总额：1356.67元
本息合计：1.74万
| 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 | 232.08 | 34.77 | 197.31 | 15852.27 |
| 2 | 2025-08 | 232.08 | 34.35 | 197.74 | 15654.53 |
| 3 | 2025-09 | 232.08 | 33.92 | 198.17 | 15456.37 |
| 4 | 2025-10 | 232.08 | 33.49 | 198.59 | 15257.77 |
| 5 | 2025-11 | 232.08 | 33.06 | 199.02 | 15058.75 |
| 6 | 2025-12 | 232.08 | 32.63 | 199.46 | 14859.29 |
| 7 | 2026-01 | 232.08 | 32.20 | 199.89 | 14659.40 |
| 8 | 2026-02 | 232.08 | 31.76 | 200.32 | 14459.08 |
| 9 | 2026-03 | 232.08 | 31.33 | 200.76 | 14258.33 |
| 10 | 2026-04 | 232.08 | 30.89 | 201.19 | 14057.14 |
| 11 | 2026-05 | 232.08 | 30.46 | 201.63 | 13855.51 |
| 12 | 2026-06 | 232.08 | 30.02 | 202.06 | 13653.45 |
| 13 | 2026-07 | 232.08 | 29.58 | 202.50 | 13450.95 |
| 14 | 2026-08 | 232.08 | 29.14 | 202.94 | 13248.01 |
| 15 | 2026-09 | 232.08 | 28.70 | 203.38 | 13044.63 |
| 16 | 2026-10 | 232.08 | 28.26 | 203.82 | 12840.81 |
| 17 | 2026-11 | 232.08 | 27.82 | 204.26 | 12636.55 |
| 18 | 2026-12 | 232.08 | 27.38 | 204.70 | 12431.84 |
| 19 | 2027-01 | 232.08 | 26.94 | 205.15 | 12226.70 |
| 20 | 2027-02 | 232.08 | 26.49 | 205.59 | 12021.10 |
| 21 | 2027-03 | 232.08 | 26.05 | 206.04 | 11815.07 |
| 22 | 2027-04 | 232.08 | 25.60 | 206.48 | 11608.58 |
| 23 | 2027-05 | 232.08 | 25.15 | 206.93 | 11401.65 |
| 24 | 2027-06 | 232.08 | 24.70 | 207.38 | 11194.27 |
| 25 | 2027-07 | 232.08 | 24.25 | 207.83 | 10986.44 |
| 26 | 2027-08 | 232.08 | 23.80 | 208.28 | 10778.16 |
| 27 | 2027-09 | 232.08 | 23.35 | 208.73 | 10569.43 |
| 28 | 2027-10 | 232.08 | 22.90 | 209.18 | 10360.25 |
| 29 | 2027-11 | 232.08 | 22.45 | 209.64 | 10150.61 |
| 30 | 2027-12 | 232.08 | 21.99 | 210.09 | 9940.52 |
| 31 | 2028-01 | 232.08 | 21.54 | 210.55 | 9729.98 |
| 32 | 2028-02 | 232.08 | 21.08 | 211.00 | 9518.97 |
| 33 | 2028-03 | 232.08 | 20.62 | 211.46 | 9307.52 |
| 34 | 2028-04 | 232.08 | 20.17 | 211.92 | 9095.60 |
| 35 | 2028-05 | 232.08 | 19.71 | 212.38 | 8883.22 |
| 36 | 2028-06 | 232.08 | 19.25 | 212.84 | 8670.39 |
| 37 | 2028-07 | 232.08 | 18.79 | 213.30 | 8457.09 |
| 38 | 2028-08 | 232.08 | 18.32 | 213.76 | 8243.33 |
| 39 | 2028-09 | 232.08 | 17.86 | 214.22 | 8029.11 |
| 40 | 2028-10 | 232.08 | 17.40 | 214.69 | 7814.42 |
| 41 | 2028-11 | 232.08 | 16.93 | 215.15 | 7599.27 |
| 42 | 2028-12 | 232.08 | 16.47 | 215.62 | 7383.65 |
| 43 | 2029-01 | 232.08 | 16.00 | 216.09 | 7167.56 |
| 44 | 2029-02 | 232.08 | 15.53 | 216.55 | 6951.01 |
| 45 | 2029-03 | 232.08 | 15.06 | 217.02 | 6733.99 |
| 46 | 2029-04 | 232.08 | 14.59 | 217.49 | 6516.49 |
| 47 | 2029-05 | 232.08 | 14.12 | 217.96 | 6298.53 |
| 48 | 2029-06 | 232.08 | 13.65 | 218.44 | 6080.09 |
| 49 | 2029-07 | 232.08 | 13.17 | 218.91 | 5861.18 |
| 50 | 2029-08 | 232.08 | 12.70 | 219.38 | 5641.80 |
| 51 | 2029-09 | 232.08 | 12.22 | 219.86 | 5421.94 |
| 52 | 2029-10 | 232.08 | 11.75 | 220.34 | 5201.60 |
| 53 | 2029-11 | 232.08 | 11.27 | 220.81 | 4980.79 |
| 54 | 2029-12 | 232.08 | 10.79 | 221.29 | 4759.50 |
| 55 | 2030-01 | 232.08 | 10.31 | 221.77 | 4537.73 |
| 56 | 2030-02 | 232.08 | 9.83 | 222.25 | 4315.48 |
| 57 | 2030-03 | 232.08 | 9.35 | 222.73 | 4092.74 |
| 58 | 2030-04 | 232.08 | 8.87 | 223.22 | 3869.53 |
| 59 | 2030-05 | 232.08 | 8.38 | 223.70 | 3645.83 |
| 60 | 2030-06 | 232.08 | 7.90 | 224.18 | 3421.64 |
| 61 | 2030-07 | 232.08 | 7.41 | 224.67 | 3196.97 |
| 62 | 2030-08 | 232.08 | 6.93 | 225.16 | 2971.82 |
| 63 | 2030-09 | 232.08 | 6.44 | 225.64 | 2746.17 |
| 64 | 2030-10 | 232.08 | 5.95 | 226.13 | 2520.04 |
| 65 | 2030-11 | 232.08 | 5.46 | 226.62 | 2293.42 |
| 66 | 2030-12 | 232.08 | 4.97 | 227.11 | 2066.30 |
| 67 | 2031-01 | 232.08 | 4.48 | 227.61 | 1838.69 |
| 68 | 2031-02 | 232.08 | 3.98 | 228.10 | 1610.59 |
| 69 | 2031-03 | 232.08 | 3.49 | 228.59 | 1382.00 |
| 70 | 2031-04 | 232.08 | 2.99 | 229.09 | 1152.91 |
| 71 | 2031-05 | 232.08 | 2.50 | 229.59 | 923.33 |
| 72 | 2031-06 | 232.08 | 2.00 | 230.08 | 693.24 |
| 73 | 2031-07 | 232.08 | 1.50 | 230.58 | 462.66 |
| 74 | 2031-08 | 232.08 | 1.00 | 231.08 | 231.58 |
| 75 | 2031-09 | 232.08 | 0.50 | 231.58 | 0.00 |
等额本金还款方式：
贷款总额：1.6万
还款月数：6年3个月
首月还款：248.77元
每月递减：0.46元
利息总额：1321.42元
本息合计：1.74万
节省利息：35.26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 | 248.77 | 34.77 | 213.99 | 15835.59 |
| 2 | 2025-08 | 248.30 | 34.31 | 213.99 | 15621.59 |
| 3 | 2025-09 | 247.84 | 33.85 | 213.99 | 15407.60 |
| 4 | 2025-10 | 247.38 | 33.38 | 213.99 | 15193.60 |
| 5 | 2025-11 | 246.91 | 32.92 | 213.99 | 14979.61 |
| 6 | 2025-12 | 246.45 | 32.46 | 213.99 | 14765.61 |
| 7 | 2026-01 | 245.99 | 31.99 | 213.99 | 14551.62 |
| 8 | 2026-02 | 245.52 | 31.53 | 213.99 | 14337.62 |
| 9 | 2026-03 | 245.06 | 31.06 | 213.99 | 14123.63 |
| 10 | 2026-04 | 244.60 | 30.60 | 213.99 | 13909.64 |
| 11 | 2026-05 | 244.13 | 30.14 | 213.99 | 13695.64 |
| 12 | 2026-06 | 243.67 | 29.67 | 213.99 | 13481.65 |
| 13 | 2026-07 | 243.20 | 29.21 | 213.99 | 13267.65 |
| 14 | 2026-08 | 242.74 | 28.75 | 213.99 | 13053.66 |
| 15 | 2026-09 | 242.28 | 28.28 | 213.99 | 12839.66 |
| 16 | 2026-10 | 241.81 | 27.82 | 213.99 | 12625.67 |
| 17 | 2026-11 | 241.35 | 27.36 | 213.99 | 12411.68 |
| 18 | 2026-12 | 240.89 | 26.89 | 213.99 | 12197.68 |
| 19 | 2027-01 | 240.42 | 26.43 | 213.99 | 11983.69 |
| 20 | 2027-02 | 239.96 | 25.96 | 213.99 | 11769.69 |
| 21 | 2027-03 | 239.50 | 25.50 | 213.99 | 11555.70 |
| 22 | 2027-04 | 239.03 | 25.04 | 213.99 | 11341.70 |
| 23 | 2027-05 | 238.57 | 24.57 | 213.99 | 11127.71 |
| 24 | 2027-06 | 238.10 | 24.11 | 213.99 | 10913.71 |
| 25 | 2027-07 | 237.64 | 23.65 | 213.99 | 10699.72 |
| 26 | 2027-08 | 237.18 | 23.18 | 213.99 | 10485.73 |
| 27 | 2027-09 | 236.71 | 22.72 | 213.99 | 10271.73 |
| 28 | 2027-10 | 236.25 | 22.26 | 213.99 | 10057.74 |
| 29 | 2027-11 | 235.79 | 21.79 | 213.99 | 9843.74 |
| 30 | 2027-12 | 235.32 | 21.33 | 213.99 | 9629.75 |
| 31 | 2028-01 | 234.86 | 20.86 | 213.99 | 9415.75 |
| 32 | 2028-02 | 234.40 | 20.40 | 213.99 | 9201.76 |
| 33 | 2028-03 | 233.93 | 19.94 | 213.99 | 8987.76 |
| 34 | 2028-04 | 233.47 | 19.47 | 213.99 | 8773.77 |
| 35 | 2028-05 | 233.00 | 19.01 | 213.99 | 8559.78 |
| 36 | 2028-06 | 232.54 | 18.55 | 213.99 | 8345.78 |
| 37 | 2028-07 | 232.08 | 18.08 | 213.99 | 8131.79 |
| 38 | 2028-08 | 231.61 | 17.62 | 213.99 | 7917.79 |
| 39 | 2028-09 | 231.15 | 17.16 | 213.99 | 7703.80 |
| 40 | 2028-10 | 230.69 | 16.69 | 213.99 | 7489.80 |
| 41 | 2028-11 | 230.22 | 16.23 | 213.99 | 7275.81 |
| 42 | 2028-12 | 229.76 | 15.76 | 213.99 | 7061.82 |
| 43 | 2029-01 | 229.29 | 15.30 | 213.99 | 6847.82 |
| 44 | 2029-02 | 228.83 | 14.84 | 213.99 | 6633.83 |
| 45 | 2029-03 | 228.37 | 14.37 | 213.99 | 6419.83 |
| 46 | 2029-04 | 227.90 | 13.91 | 213.99 | 6205.84 |
| 47 | 2029-05 | 227.44 | 13.45 | 213.99 | 5991.84 |
| 48 | 2029-06 | 226.98 | 12.98 | 213.99 | 5777.85 |
| 49 | 2029-07 | 226.51 | 12.52 | 213.99 | 5563.85 |
| 50 | 2029-08 | 226.05 | 12.06 | 213.99 | 5349.86 |
| 51 | 2029-09 | 225.59 | 11.59 | 213.99 | 5135.87 |
| 52 | 2029-10 | 225.12 | 11.13 | 213.99 | 4921.87 |
| 53 | 2029-11 | 224.66 | 10.66 | 213.99 | 4707.88 |
| 54 | 2029-12 | 224.19 | 10.20 | 213.99 | 4493.88 |
| 55 | 2030-01 | 223.73 | 9.74 | 213.99 | 4279.89 |
| 56 | 2030-02 | 223.27 | 9.27 | 213.99 | 4065.89 |
| 57 | 2030-03 | 222.80 | 8.81 | 213.99 | 3851.90 |
| 58 | 2030-04 | 222.34 | 8.35 | 213.99 | 3637.90 |
| 59 | 2030-05 | 221.88 | 7.88 | 213.99 | 3423.91 |
| 60 | 2030-06 | 221.41 | 7.42 | 213.99 | 3209.92 |
| 61 | 2030-07 | 220.95 | 6.95 | 213.99 | 2995.92 |
| 62 | 2030-08 | 220.49 | 6.49 | 213.99 | 2781.93 |
| 63 | 2030-09 | 220.02 | 6.03 | 213.99 | 2567.93 |
| 64 | 2030-10 | 219.56 | 5.56 | 213.99 | 2353.94 |
| 65 | 2030-11 | 219.09 | 5.10 | 213.99 | 2139.94 |
| 66 | 2030-12 | 218.63 | 4.64 | 213.99 | 1925.95 |
| 67 | 2031-01 | 218.17 | 4.17 | 213.99 | 1711.96 |
| 68 | 2031-02 | 217.70 | 3.71 | 213.99 | 1497.96 |
| 69 | 2031-03 | 217.24 | 3.25 | 213.99 | 1283.97 |
| 70 | 2031-04 | 216.78 | 2.78 | 213.99 | 1069.97 |
| 71 | 2031-05 | 216.31 | 2.32 | 213.99 | 855.98 |
| 72 | 2031-06 | 215.85 | 1.85 | 213.99 | 641.98 |
| 73 | 2031-07 | 215.39 | 1.39 | 213.99 | 427.99 |
| 74 | 2031-08 | 214.92 | 0.93 | 213.99 | 213.99 |
| 75 | 2031-09 | 214.46 | 0.46 | 213.99 | 0.00 |