贷款31.5万（公积金贷款）房贷，还款6年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：31.5万
还款月数：6年
每月还款：4743.85元
利息总额：2.66万
本息合计：34.16万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 4743.85 | 708.75 | 4035.10 | 310964.90 |
| 2 | 2024-05 | 4743.85 | 699.67 | 4044.18 | 306920.72 |
| 3 | 2024-06 | 4743.85 | 690.57 | 4053.28 | 302867.45 |
| 4 | 2024-07 | 4743.85 | 681.45 | 4062.40 | 298805.05 |
| 5 | 2024-08 | 4743.85 | 672.31 | 4071.54 | 294733.51 |
| 6 | 2024-09 | 4743.85 | 663.15 | 4080.70 | 290652.82 |
| 7 | 2024-10 | 4743.85 | 653.97 | 4089.88 | 286562.94 |
| 8 | 2024-11 | 4743.85 | 644.77 | 4099.08 | 282463.86 |
| 9 | 2024-12 | 4743.85 | 635.54 | 4108.30 | 278355.55 |
| 10 | 2025-01 | 4743.85 | 626.30 | 4117.55 | 274238.00 |
| 11 | 2025-02 | 4743.85 | 617.04 | 4126.81 | 270111.19 |
| 12 | 2025-03 | 4743.85 | 607.75 | 4136.10 | 265975.09 |
| 13 | 2025-04 | 4743.85 | 598.44 | 4145.40 | 261829.69 |
| 14 | 2025-05 | 4743.85 | 589.12 | 4154.73 | 257674.96 |
| 15 | 2025-06 | 4743.85 | 579.77 | 4164.08 | 253510.88 |
| 16 | 2025-07 | 4743.85 | 570.40 | 4173.45 | 249337.43 |
| 17 | 2025-08 | 4743.85 | 561.01 | 4182.84 | 245154.59 |
| 18 | 2025-09 | 4743.85 | 551.60 | 4192.25 | 240962.34 |
| 19 | 2025-10 | 4743.85 | 542.17 | 4201.68 | 236760.66 |
| 20 | 2025-11 | 4743.85 | 532.71 | 4211.14 | 232549.52 |
| 21 | 2025-12 | 4743.85 | 523.24 | 4220.61 | 228328.91 |
| 22 | 2026-01 | 4743.85 | 513.74 | 4230.11 | 224098.80 |
| 23 | 2026-02 | 4743.85 | 504.22 | 4239.63 | 219859.17 |
| 24 | 2026-03 | 4743.85 | 494.68 | 4249.17 | 215610.01 |
| 25 | 2026-04 | 4743.85 | 485.12 | 4258.73 | 211351.28 |
| 26 | 2026-05 | 4743.85 | 475.54 | 4268.31 | 207082.97 |
| 27 | 2026-06 | 4743.85 | 465.94 | 4277.91 | 202805.06 |
| 28 | 2026-07 | 4743.85 | 456.31 | 4287.54 | 198517.53 |
| 29 | 2026-08 | 4743.85 | 446.66 | 4297.18 | 194220.34 |
| 30 | 2026-09 | 4743.85 | 437.00 | 4306.85 | 189913.49 |
| 31 | 2026-10 | 4743.85 | 427.31 | 4316.54 | 185596.95 |
| 32 | 2026-11 | 4743.85 | 417.59 | 4326.26 | 181270.69 |
| 33 | 2026-12 | 4743.85 | 407.86 | 4335.99 | 176934.70 |
| 34 | 2027-01 | 4743.85 | 398.10 | 4345.75 | 172588.96 |
| 35 | 2027-02 | 4743.85 | 388.33 | 4355.52 | 168233.43 |
| 36 | 2027-03 | 4743.85 | 378.53 | 4365.32 | 163868.11 |
| 37 | 2027-04 | 4743.85 | 368.70 | 4375.14 | 159492.97 |
| 38 | 2027-05 | 4743.85 | 358.86 | 4384.99 | 155107.98 |
| 39 | 2027-06 | 4743.85 | 348.99 | 4394.86 | 150713.12 |
| 40 | 2027-07 | 4743.85 | 339.10 | 4404.74 | 146308.38 |
| 41 | 2027-08 | 4743.85 | 329.19 | 4414.65 | 141893.72 |
| 42 | 2027-09 | 4743.85 | 319.26 | 4424.59 | 137469.14 |
| 43 | 2027-10 | 4743.85 | 309.31 | 4434.54 | 133034.59 |
| 44 | 2027-11 | 4743.85 | 299.33 | 4444.52 | 128590.07 |
| 45 | 2027-12 | 4743.85 | 289.33 | 4454.52 | 124135.55 |
| 46 | 2028-01 | 4743.85 | 279.30 | 4464.54 | 119671.01 |
| 47 | 2028-02 | 4743.85 | 269.26 | 4474.59 | 115196.42 |
| 48 | 2028-03 | 4743.85 | 259.19 | 4484.66 | 110711.76 |
| 49 | 2028-04 | 4743.85 | 249.10 | 4494.75 | 106217.02 |
| 50 | 2028-05 | 4743.85 | 238.99 | 4504.86 | 101712.16 |
| 51 | 2028-06 | 4743.85 | 228.85 | 4515.00 | 97197.16 |
| 52 | 2028-07 | 4743.85 | 218.69 | 4525.15 | 92672.01 |
| 53 | 2028-08 | 4743.85 | 208.51 | 4535.34 | 88136.67 |
| 54 | 2028-09 | 4743.85 | 198.31 | 4545.54 | 83591.13 |
| 55 | 2028-10 | 4743.85 | 188.08 | 4555.77 | 79035.36 |
| 56 | 2028-11 | 4743.85 | 177.83 | 4566.02 | 74469.34 |
| 57 | 2028-12 | 4743.85 | 167.56 | 4576.29 | 69893.05 |
| 58 | 2029-01 | 4743.85 | 157.26 | 4586.59 | 65306.46 |
| 59 | 2029-02 | 4743.85 | 146.94 | 4596.91 | 60709.55 |
| 60 | 2029-03 | 4743.85 | 136.60 | 4607.25 | 56102.30 |
| 61 | 2029-04 | 4743.85 | 126.23 | 4617.62 | 51484.68 |
| 62 | 2029-05 | 4743.85 | 115.84 | 4628.01 | 46856.68 |
| 63 | 2029-06 | 4743.85 | 105.43 | 4638.42 | 42218.26 |
| 64 | 2029-07 | 4743.85 | 94.99 | 4648.86 | 37569.40 |
| 65 | 2029-08 | 4743.85 | 84.53 | 4659.32 | 32910.08 |
| 66 | 2029-09 | 4743.85 | 74.05 | 4669.80 | 28240.28 |
| 67 | 2029-10 | 4743.85 | 63.54 | 4680.31 | 23559.97 |
| 68 | 2029-11 | 4743.85 | 53.01 | 4690.84 | 18869.13 |
| 69 | 2029-12 | 4743.85 | 42.46 | 4701.39 | 14167.74 |
| 70 | 2030-01 | 4743.85 | 31.88 | 4711.97 | 9455.77 |
| 71 | 2030-02 | 4743.85 | 21.28 | 4722.57 | 4733.20 |
| 72 | 2030-03 | 4743.85 | 10.65 | 4733.20 | 0.00 |
等额本金还款方式：
贷款总额：31.5万
还款月数：6年
首月还款：5083.75元
每月递减：9.84元
利息总额：2.59万
本息合计：34.09万
节省利息：687.7元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-04 | 5083.75 | 708.75 | 4375.00 | 310625.00 |
| 2 | 2024-05 | 5073.91 | 698.91 | 4375.00 | 306250.00 |
| 3 | 2024-06 | 5064.06 | 689.06 | 4375.00 | 301875.00 |
| 4 | 2024-07 | 5054.22 | 679.22 | 4375.00 | 297500.00 |
| 5 | 2024-08 | 5044.38 | 669.38 | 4375.00 | 293125.00 |
| 6 | 2024-09 | 5034.53 | 659.53 | 4375.00 | 288750.00 |
| 7 | 2024-10 | 5024.69 | 649.69 | 4375.00 | 284375.00 |
| 8 | 2024-11 | 5014.84 | 639.84 | 4375.00 | 280000.00 |
| 9 | 2024-12 | 5005.00 | 630.00 | 4375.00 | 275625.00 |
| 10 | 2025-01 | 4995.16 | 620.16 | 4375.00 | 271250.00 |
| 11 | 2025-02 | 4985.31 | 610.31 | 4375.00 | 266875.00 |
| 12 | 2025-03 | 4975.47 | 600.47 | 4375.00 | 262500.00 |
| 13 | 2025-04 | 4965.63 | 590.63 | 4375.00 | 258125.00 |
| 14 | 2025-05 | 4955.78 | 580.78 | 4375.00 | 253750.00 |
| 15 | 2025-06 | 4945.94 | 570.94 | 4375.00 | 249375.00 |
| 16 | 2025-07 | 4936.09 | 561.09 | 4375.00 | 245000.00 |
| 17 | 2025-08 | 4926.25 | 551.25 | 4375.00 | 240625.00 |
| 18 | 2025-09 | 4916.41 | 541.41 | 4375.00 | 236250.00 |
| 19 | 2025-10 | 4906.56 | 531.56 | 4375.00 | 231875.00 |
| 20 | 2025-11 | 4896.72 | 521.72 | 4375.00 | 227500.00 |
| 21 | 2025-12 | 4886.88 | 511.88 | 4375.00 | 223125.00 |
| 22 | 2026-01 | 4877.03 | 502.03 | 4375.00 | 218750.00 |
| 23 | 2026-02 | 4867.19 | 492.19 | 4375.00 | 214375.00 |
| 24 | 2026-03 | 4857.34 | 482.34 | 4375.00 | 210000.00 |
| 25 | 2026-04 | 4847.50 | 472.50 | 4375.00 | 205625.00 |
| 26 | 2026-05 | 4837.66 | 462.66 | 4375.00 | 201250.00 |
| 27 | 2026-06 | 4827.81 | 452.81 | 4375.00 | 196875.00 |
| 28 | 2026-07 | 4817.97 | 442.97 | 4375.00 | 192500.00 |
| 29 | 2026-08 | 4808.13 | 433.13 | 4375.00 | 188125.00 |
| 30 | 2026-09 | 4798.28 | 423.28 | 4375.00 | 183750.00 |
| 31 | 2026-10 | 4788.44 | 413.44 | 4375.00 | 179375.00 |
| 32 | 2026-11 | 4778.59 | 403.59 | 4375.00 | 175000.00 |
| 33 | 2026-12 | 4768.75 | 393.75 | 4375.00 | 170625.00 |
| 34 | 2027-01 | 4758.91 | 383.91 | 4375.00 | 166250.00 |
| 35 | 2027-02 | 4749.06 | 374.06 | 4375.00 | 161875.00 |
| 36 | 2027-03 | 4739.22 | 364.22 | 4375.00 | 157500.00 |
| 37 | 2027-04 | 4729.38 | 354.38 | 4375.00 | 153125.00 |
| 38 | 2027-05 | 4719.53 | 344.53 | 4375.00 | 148750.00 |
| 39 | 2027-06 | 4709.69 | 334.69 | 4375.00 | 144375.00 |
| 40 | 2027-07 | 4699.84 | 324.84 | 4375.00 | 140000.00 |
| 41 | 2027-08 | 4690.00 | 315.00 | 4375.00 | 135625.00 |
| 42 | 2027-09 | 4680.16 | 305.16 | 4375.00 | 131250.00 |
| 43 | 2027-10 | 4670.31 | 295.31 | 4375.00 | 126875.00 |
| 44 | 2027-11 | 4660.47 | 285.47 | 4375.00 | 122500.00 |
| 45 | 2027-12 | 4650.63 | 275.63 | 4375.00 | 118125.00 |
| 46 | 2028-01 | 4640.78 | 265.78 | 4375.00 | 113750.00 |
| 47 | 2028-02 | 4630.94 | 255.94 | 4375.00 | 109375.00 |
| 48 | 2028-03 | 4621.09 | 246.09 | 4375.00 | 105000.00 |
| 49 | 2028-04 | 4611.25 | 236.25 | 4375.00 | 100625.00 |
| 50 | 2028-05 | 4601.41 | 226.41 | 4375.00 | 96250.00 |
| 51 | 2028-06 | 4591.56 | 216.56 | 4375.00 | 91875.00 |
| 52 | 2028-07 | 4581.72 | 206.72 | 4375.00 | 87500.00 |
| 53 | 2028-08 | 4571.88 | 196.88 | 4375.00 | 83125.00 |
| 54 | 2028-09 | 4562.03 | 187.03 | 4375.00 | 78750.00 |
| 55 | 2028-10 | 4552.19 | 177.19 | 4375.00 | 74375.00 |
| 56 | 2028-11 | 4542.34 | 167.34 | 4375.00 | 70000.00 |
| 57 | 2028-12 | 4532.50 | 157.50 | 4375.00 | 65625.00 |
| 58 | 2029-01 | 4522.66 | 147.66 | 4375.00 | 61250.00 |
| 59 | 2029-02 | 4512.81 | 137.81 | 4375.00 | 56875.00 |
| 60 | 2029-03 | 4502.97 | 127.97 | 4375.00 | 52500.00 |
| 61 | 2029-04 | 4493.13 | 118.13 | 4375.00 | 48125.00 |
| 62 | 2029-05 | 4483.28 | 108.28 | 4375.00 | 43750.00 |
| 63 | 2029-06 | 4473.44 | 98.44 | 4375.00 | 39375.00 |
| 64 | 2029-07 | 4463.59 | 88.59 | 4375.00 | 35000.00 |
| 65 | 2029-08 | 4453.75 | 78.75 | 4375.00 | 30625.00 |
| 66 | 2029-09 | 4443.91 | 68.91 | 4375.00 | 26250.00 |
| 67 | 2029-10 | 4434.06 | 59.06 | 4375.00 | 21875.00 |
| 68 | 2029-11 | 4424.22 | 49.22 | 4375.00 | 17500.00 |
| 69 | 2029-12 | 4414.38 | 39.38 | 4375.00 | 13125.00 |
| 70 | 2030-01 | 4404.53 | 29.53 | 4375.00 | 8750.00 |
| 71 | 2030-02 | 4394.69 | 19.69 | 4375.00 | 4375.00 |
| 72 | 2030-03 | 4384.84 | 9.84 | 4375.00 | 0.00 |