贷款1.39万（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：1.39万
还款月数：6年4个月
每月还款：198.01元
利息总额：1187.5元
本息合计：1.5万
| 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 | 198.01 | 30.03 | 167.97 | 13692.94 |
| 2 | 2025-08 | 198.01 | 29.67 | 168.34 | 13524.60 |
| 3 | 2025-09 | 198.01 | 29.30 | 168.70 | 13355.90 |
| 4 | 2025-10 | 198.01 | 28.94 | 169.07 | 13186.83 |
| 5 | 2025-11 | 198.01 | 28.57 | 169.43 | 13017.40 |
| 6 | 2025-12 | 198.01 | 28.20 | 169.80 | 12847.59 |
| 7 | 2026-01 | 198.01 | 27.84 | 170.17 | 12677.43 |
| 8 | 2026-02 | 198.01 | 27.47 | 170.54 | 12506.89 |
| 9 | 2026-03 | 198.01 | 27.10 | 170.91 | 12335.98 |
| 10 | 2026-04 | 198.01 | 26.73 | 171.28 | 12164.70 |
| 11 | 2026-05 | 198.01 | 26.36 | 171.65 | 11993.06 |
| 12 | 2026-06 | 198.01 | 25.98 | 172.02 | 11821.03 |
| 13 | 2026-07 | 198.01 | 25.61 | 172.39 | 11648.64 |
| 14 | 2026-08 | 198.01 | 25.24 | 172.77 | 11475.88 |
| 15 | 2026-09 | 198.01 | 24.86 | 173.14 | 11302.73 |
| 16 | 2026-10 | 198.01 | 24.49 | 173.52 | 11129.22 |
| 17 | 2026-11 | 198.01 | 24.11 | 173.89 | 10955.33 |
| 18 | 2026-12 | 198.01 | 23.74 | 174.27 | 10781.06 |
| 19 | 2027-01 | 198.01 | 23.36 | 174.65 | 10606.41 |
| 20 | 2027-02 | 198.01 | 22.98 | 175.02 | 10431.39 |
| 21 | 2027-03 | 198.01 | 22.60 | 175.40 | 10255.98 |
| 22 | 2027-04 | 198.01 | 22.22 | 175.78 | 10080.20 |
| 23 | 2027-05 | 198.01 | 21.84 | 176.16 | 9904.03 |
| 24 | 2027-06 | 198.01 | 21.46 | 176.55 | 9727.49 |
| 25 | 2027-07 | 198.01 | 21.08 | 176.93 | 9550.56 |
| 26 | 2027-08 | 198.01 | 20.69 | 177.31 | 9373.24 |
| 27 | 2027-09 | 198.01 | 20.31 | 177.70 | 9195.55 |
| 28 | 2027-10 | 198.01 | 19.92 | 178.08 | 9017.47 |
| 29 | 2027-11 | 198.01 | 19.54 | 178.47 | 8839.00 |
| 30 | 2027-12 | 198.01 | 19.15 | 178.85 | 8660.14 |
| 31 | 2028-01 | 198.01 | 18.76 | 179.24 | 8480.90 |
| 32 | 2028-02 | 198.01 | 18.38 | 179.63 | 8301.27 |
| 33 | 2028-03 | 198.01 | 17.99 | 180.02 | 8121.25 |
| 34 | 2028-04 | 198.01 | 17.60 | 180.41 | 7940.84 |
| 35 | 2028-05 | 198.01 | 17.21 | 180.80 | 7760.04 |
| 36 | 2028-06 | 198.01 | 16.81 | 181.19 | 7578.85 |
| 37 | 2028-07 | 198.01 | 16.42 | 181.58 | 7397.27 |
| 38 | 2028-08 | 198.01 | 16.03 | 181.98 | 7215.29 |
| 39 | 2028-09 | 198.01 | 15.63 | 182.37 | 7032.92 |
| 40 | 2028-10 | 198.01 | 15.24 | 182.77 | 6850.15 |
| 41 | 2028-11 | 198.01 | 14.84 | 183.16 | 6666.99 |
| 42 | 2028-12 | 198.01 | 14.45 | 183.56 | 6483.43 |
| 43 | 2029-01 | 198.01 | 14.05 | 183.96 | 6299.47 |
| 44 | 2029-02 | 198.01 | 13.65 | 184.36 | 6115.11 |
| 45 | 2029-03 | 198.01 | 13.25 | 184.76 | 5930.36 |
| 46 | 2029-04 | 198.01 | 12.85 | 185.16 | 5745.20 |
| 47 | 2029-05 | 198.01 | 12.45 | 185.56 | 5559.64 |
| 48 | 2029-06 | 198.01 | 12.05 | 185.96 | 5373.68 |
| 49 | 2029-07 | 198.01 | 11.64 | 186.36 | 5187.32 |
| 50 | 2029-08 | 198.01 | 11.24 | 186.77 | 5000.55 |
| 51 | 2029-09 | 198.01 | 10.83 | 187.17 | 4813.38 |
| 52 | 2029-10 | 198.01 | 10.43 | 187.58 | 4625.81 |
| 53 | 2029-11 | 198.01 | 10.02 | 187.98 | 4437.82 |
| 54 | 2029-12 | 198.01 | 9.62 | 188.39 | 4249.43 |
| 55 | 2030-01 | 198.01 | 9.21 | 188.80 | 4060.64 |
| 56 | 2030-02 | 198.01 | 8.80 | 189.21 | 3871.43 |
| 57 | 2030-03 | 198.01 | 8.39 | 189.62 | 3681.81 |
| 58 | 2030-04 | 198.01 | 7.98 | 190.03 | 3491.78 |
| 59 | 2030-05 | 198.01 | 7.57 | 190.44 | 3301.34 |
| 60 | 2030-06 | 198.01 | 7.15 | 190.85 | 3110.49 |
| 61 | 2030-07 | 198.01 | 6.74 | 191.27 | 2919.23 |
| 62 | 2030-08 | 198.01 | 6.32 | 191.68 | 2727.54 |
| 63 | 2030-09 | 198.01 | 5.91 | 192.10 | 2535.45 |
| 64 | 2030-10 | 198.01 | 5.49 | 192.51 | 2342.94 |
| 65 | 2030-11 | 198.01 | 5.08 | 192.93 | 2150.01 |
| 66 | 2030-12 | 198.01 | 4.66 | 193.35 | 1956.66 |
| 67 | 2031-01 | 198.01 | 4.24 | 193.77 | 1762.90 |
| 68 | 2031-02 | 198.01 | 3.82 | 194.19 | 1568.71 |
| 69 | 2031-03 | 198.01 | 3.40 | 194.61 | 1374.10 |
| 70 | 2031-04 | 198.01 | 2.98 | 195.03 | 1179.07 |
| 71 | 2031-05 | 198.01 | 2.55 | 195.45 | 983.62 |
| 72 | 2031-06 | 198.01 | 2.13 | 195.87 | 787.75 |
| 73 | 2031-07 | 198.01 | 1.71 | 196.30 | 591.45 |
| 74 | 2031-08 | 198.01 | 1.28 | 196.72 | 394.73 |
| 75 | 2031-09 | 198.01 | 0.86 | 197.15 | 197.58 |
| 76 | 2031-10 | 198.01 | 0.43 | 197.58 | 0.00 |
等额本金还款方式：
贷款总额：1.39万
还款月数：6年4个月
首月还款：212.41元
每月递减：0.4元
利息总额：1156.23元
本息合计：1.5万
节省利息：31.27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 | 212.41 | 30.03 | 182.38 | 13678.53 |
| 2 | 2025-08 | 212.02 | 29.64 | 182.38 | 13496.15 |
| 3 | 2025-09 | 211.62 | 29.24 | 182.38 | 13313.77 |
| 4 | 2025-10 | 211.23 | 28.85 | 182.38 | 13131.39 |
| 5 | 2025-11 | 210.83 | 28.45 | 182.38 | 12949.01 |
| 6 | 2025-12 | 210.44 | 28.06 | 182.38 | 12766.63 |
| 7 | 2026-01 | 210.04 | 27.66 | 182.38 | 12584.25 |
| 8 | 2026-02 | 209.65 | 27.27 | 182.38 | 12401.87 |
| 9 | 2026-03 | 209.25 | 26.87 | 182.38 | 12219.49 |
| 10 | 2026-04 | 208.86 | 26.48 | 182.38 | 12037.11 |
| 11 | 2026-05 | 208.46 | 26.08 | 182.38 | 11854.73 |
| 12 | 2026-06 | 208.07 | 25.69 | 182.38 | 11672.35 |
| 13 | 2026-07 | 207.67 | 25.29 | 182.38 | 11489.96 |
| 14 | 2026-08 | 207.28 | 24.89 | 182.38 | 11307.58 |
| 15 | 2026-09 | 206.88 | 24.50 | 182.38 | 11125.20 |
| 16 | 2026-10 | 206.49 | 24.10 | 182.38 | 10942.82 |
| 17 | 2026-11 | 206.09 | 23.71 | 182.38 | 10760.44 |
| 18 | 2026-12 | 205.69 | 23.31 | 182.38 | 10578.06 |
| 19 | 2027-01 | 205.30 | 22.92 | 182.38 | 10395.68 |
| 20 | 2027-02 | 204.90 | 22.52 | 182.38 | 10213.30 |
| 21 | 2027-03 | 204.51 | 22.13 | 182.38 | 10030.92 |
| 22 | 2027-04 | 204.11 | 21.73 | 182.38 | 9848.54 |
| 23 | 2027-05 | 203.72 | 21.34 | 182.38 | 9666.16 |
| 24 | 2027-06 | 203.32 | 20.94 | 182.38 | 9483.78 |
| 25 | 2027-07 | 202.93 | 20.55 | 182.38 | 9301.40 |
| 26 | 2027-08 | 202.53 | 20.15 | 182.38 | 9119.02 |
| 27 | 2027-09 | 202.14 | 19.76 | 182.38 | 8936.64 |
| 28 | 2027-10 | 201.74 | 19.36 | 182.38 | 8754.26 |
| 29 | 2027-11 | 201.35 | 18.97 | 182.38 | 8571.88 |
| 30 | 2027-12 | 200.95 | 18.57 | 182.38 | 8389.50 |
| 31 | 2028-01 | 200.56 | 18.18 | 182.38 | 8207.12 |
| 32 | 2028-02 | 200.16 | 17.78 | 182.38 | 8024.74 |
| 33 | 2028-03 | 199.77 | 17.39 | 182.38 | 7842.36 |
| 34 | 2028-04 | 199.37 | 16.99 | 182.38 | 7659.98 |
| 35 | 2028-05 | 198.98 | 16.60 | 182.38 | 7477.60 |
| 36 | 2028-06 | 198.58 | 16.20 | 182.38 | 7295.22 |
| 37 | 2028-07 | 198.19 | 15.81 | 182.38 | 7112.84 |
| 38 | 2028-08 | 197.79 | 15.41 | 182.38 | 6930.45 |
| 39 | 2028-09 | 197.40 | 15.02 | 182.38 | 6748.07 |
| 40 | 2028-10 | 197.00 | 14.62 | 182.38 | 6565.69 |
| 41 | 2028-11 | 196.61 | 14.23 | 182.38 | 6383.31 |
| 42 | 2028-12 | 196.21 | 13.83 | 182.38 | 6200.93 |
| 43 | 2029-01 | 195.82 | 13.44 | 182.38 | 6018.55 |
| 44 | 2029-02 | 195.42 | 13.04 | 182.38 | 5836.17 |
| 45 | 2029-03 | 195.03 | 12.65 | 182.38 | 5653.79 |
| 46 | 2029-04 | 194.63 | 12.25 | 182.38 | 5471.41 |
| 47 | 2029-05 | 194.24 | 11.85 | 182.38 | 5289.03 |
| 48 | 2029-06 | 193.84 | 11.46 | 182.38 | 5106.65 |
| 49 | 2029-07 | 193.44 | 11.06 | 182.38 | 4924.27 |
| 50 | 2029-08 | 193.05 | 10.67 | 182.38 | 4741.89 |
| 51 | 2029-09 | 192.65 | 10.27 | 182.38 | 4559.51 |
| 52 | 2029-10 | 192.26 | 9.88 | 182.38 | 4377.13 |
| 53 | 2029-11 | 191.86 | 9.48 | 182.38 | 4194.75 |
| 54 | 2029-12 | 191.47 | 9.09 | 182.38 | 4012.37 |
| 55 | 2030-01 | 191.07 | 8.69 | 182.38 | 3829.99 |
| 56 | 2030-02 | 190.68 | 8.30 | 182.38 | 3647.61 |
| 57 | 2030-03 | 190.28 | 7.90 | 182.38 | 3465.23 |
| 58 | 2030-04 | 189.89 | 7.51 | 182.38 | 3282.85 |
| 59 | 2030-05 | 189.49 | 7.11 | 182.38 | 3100.47 |
| 60 | 2030-06 | 189.10 | 6.72 | 182.38 | 2918.09 |
| 61 | 2030-07 | 188.70 | 6.32 | 182.38 | 2735.71 |
| 62 | 2030-08 | 188.31 | 5.93 | 182.38 | 2553.33 |
| 63 | 2030-09 | 187.91 | 5.53 | 182.38 | 2370.95 |
| 64 | 2030-10 | 187.52 | 5.14 | 182.38 | 2188.56 |
| 65 | 2030-11 | 187.12 | 4.74 | 182.38 | 2006.18 |
| 66 | 2030-12 | 186.73 | 4.35 | 182.38 | 1823.80 |
| 67 | 2031-01 | 186.33 | 3.95 | 182.38 | 1641.42 |
| 68 | 2031-02 | 185.94 | 3.56 | 182.38 | 1459.04 |
| 69 | 2031-03 | 185.54 | 3.16 | 182.38 | 1276.66 |
| 70 | 2031-04 | 185.15 | 2.77 | 182.38 | 1094.28 |
| 71 | 2031-05 | 184.75 | 2.37 | 182.38 | 911.90 |
| 72 | 2031-06 | 184.36 | 1.98 | 182.38 | 729.52 |
| 73 | 2031-07 | 183.96 | 1.58 | 182.38 | 547.14 |
| 74 | 2031-08 | 183.57 | 1.19 | 182.38 | 364.76 |
| 75 | 2031-09 | 183.17 | 0.79 | 182.38 | 182.38 |
| 76 | 2031-10 | 182.78 | 0.40 | 182.38 | 0.00 |