贷款80万（公积金贷款）房贷，还款8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：80万
还款月数：8年
每月还款：9420.04元
利息总额：10.43万
本息合计：90.43万
| 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 | 9420.04 | 2066.67 | 7353.37 | 792646.63 |
| 2 | 2024-05 | 9420.04 | 2047.67 | 7372.37 | 785274.26 |
| 3 | 2024-06 | 9420.04 | 2028.63 | 7391.41 | 777882.85 |
| 4 | 2024-07 | 9420.04 | 2009.53 | 7410.51 | 770472.34 |
| 5 | 2024-08 | 9420.04 | 1990.39 | 7429.65 | 763042.69 |
| 6 | 2024-09 | 9420.04 | 1971.19 | 7448.84 | 755593.84 |
| 7 | 2024-10 | 9420.04 | 1951.95 | 7468.09 | 748125.76 |
| 8 | 2024-11 | 9420.04 | 1932.66 | 7487.38 | 740638.38 |
| 9 | 2024-12 | 9420.04 | 1913.32 | 7506.72 | 733131.65 |
| 10 | 2025-01 | 9420.04 | 1893.92 | 7526.11 | 725605.54 |
| 11 | 2025-02 | 9420.04 | 1874.48 | 7545.56 | 718059.98 |
| 12 | 2025-03 | 9420.04 | 1854.99 | 7565.05 | 710494.93 |
| 13 | 2025-04 | 9420.04 | 1835.45 | 7584.59 | 702910.34 |
| 14 | 2025-05 | 9420.04 | 1815.85 | 7604.19 | 695306.15 |
| 15 | 2025-06 | 9420.04 | 1796.21 | 7623.83 | 687682.32 |
| 16 | 2025-07 | 9420.04 | 1776.51 | 7643.53 | 680038.79 |
| 17 | 2025-08 | 9420.04 | 1756.77 | 7663.27 | 672375.52 |
| 18 | 2025-09 | 9420.04 | 1736.97 | 7683.07 | 664692.45 |
| 19 | 2025-10 | 9420.04 | 1717.12 | 7702.92 | 656989.54 |
| 20 | 2025-11 | 9420.04 | 1697.22 | 7722.82 | 649266.72 |
| 21 | 2025-12 | 9420.04 | 1677.27 | 7742.77 | 641523.96 |
| 22 | 2026-01 | 9420.04 | 1657.27 | 7762.77 | 633761.19 |
| 23 | 2026-02 | 9420.04 | 1637.22 | 7782.82 | 625978.37 |
| 24 | 2026-03 | 9420.04 | 1617.11 | 7802.93 | 618175.44 |
| 25 | 2026-04 | 9420.04 | 1596.95 | 7823.09 | 610352.35 |
| 26 | 2026-05 | 9420.04 | 1576.74 | 7843.29 | 602509.06 |
| 27 | 2026-06 | 9420.04 | 1556.48 | 7863.56 | 594645.50 |
| 28 | 2026-07 | 9420.04 | 1536.17 | 7883.87 | 586761.63 |
| 29 | 2026-08 | 9420.04 | 1515.80 | 7904.24 | 578857.39 |
| 30 | 2026-09 | 9420.04 | 1495.38 | 7924.66 | 570932.74 |
| 31 | 2026-10 | 9420.04 | 1474.91 | 7945.13 | 562987.61 |
| 32 | 2026-11 | 9420.04 | 1454.38 | 7965.65 | 555021.95 |
| 33 | 2026-12 | 9420.04 | 1433.81 | 7986.23 | 547035.72 |
| 34 | 2027-01 | 9420.04 | 1413.18 | 8006.86 | 539028.86 |
| 35 | 2027-02 | 9420.04 | 1392.49 | 8027.55 | 531001.31 |
| 36 | 2027-03 | 9420.04 | 1371.75 | 8048.29 | 522953.03 |
| 37 | 2027-04 | 9420.04 | 1350.96 | 8069.08 | 514883.95 |
| 38 | 2027-05 | 9420.04 | 1330.12 | 8089.92 | 506794.03 |
| 39 | 2027-06 | 9420.04 | 1309.22 | 8110.82 | 498683.21 |
| 40 | 2027-07 | 9420.04 | 1288.26 | 8131.77 | 490551.43 |
| 41 | 2027-08 | 9420.04 | 1267.26 | 8152.78 | 482398.65 |
| 42 | 2027-09 | 9420.04 | 1246.20 | 8173.84 | 474224.81 |
| 43 | 2027-10 | 9420.04 | 1225.08 | 8194.96 | 466029.85 |
| 44 | 2027-11 | 9420.04 | 1203.91 | 8216.13 | 457813.73 |
| 45 | 2027-12 | 9420.04 | 1182.69 | 8237.35 | 449576.37 |
| 46 | 2028-01 | 9420.04 | 1161.41 | 8258.63 | 441317.74 |
| 47 | 2028-02 | 9420.04 | 1140.07 | 8279.97 | 433037.77 |
| 48 | 2028-03 | 9420.04 | 1118.68 | 8301.36 | 424736.42 |
| 49 | 2028-04 | 9420.04 | 1097.24 | 8322.80 | 416413.61 |
| 50 | 2028-05 | 9420.04 | 1075.74 | 8344.30 | 408069.31 |
| 51 | 2028-06 | 9420.04 | 1054.18 | 8365.86 | 399703.45 |
| 52 | 2028-07 | 9420.04 | 1032.57 | 8387.47 | 391315.98 |
| 53 | 2028-08 | 9420.04 | 1010.90 | 8409.14 | 382906.84 |
| 54 | 2028-09 | 9420.04 | 989.18 | 8430.86 | 374475.98 |
| 55 | 2028-10 | 9420.04 | 967.40 | 8452.64 | 366023.34 |
| 56 | 2028-11 | 9420.04 | 945.56 | 8474.48 | 357548.86 |
| 57 | 2028-12 | 9420.04 | 923.67 | 8496.37 | 349052.49 |
| 58 | 2029-01 | 9420.04 | 901.72 | 8518.32 | 340534.17 |
| 59 | 2029-02 | 9420.04 | 879.71 | 8540.33 | 331993.84 |
| 60 | 2029-03 | 9420.04 | 857.65 | 8562.39 | 323431.46 |
| 61 | 2029-04 | 9420.04 | 835.53 | 8584.51 | 314846.95 |
| 62 | 2029-05 | 9420.04 | 813.35 | 8606.68 | 306240.26 |
| 63 | 2029-06 | 9420.04 | 791.12 | 8628.92 | 297611.35 |
| 64 | 2029-07 | 9420.04 | 768.83 | 8651.21 | 288960.14 |
| 65 | 2029-08 | 9420.04 | 746.48 | 8673.56 | 280286.58 |
| 66 | 2029-09 | 9420.04 | 724.07 | 8695.96 | 271590.61 |
| 67 | 2029-10 | 9420.04 | 701.61 | 8718.43 | 262872.19 |
| 68 | 2029-11 | 9420.04 | 679.09 | 8740.95 | 254131.23 |
| 69 | 2029-12 | 9420.04 | 656.51 | 8763.53 | 245367.70 |
| 70 | 2030-01 | 9420.04 | 633.87 | 8786.17 | 236581.53 |
| 71 | 2030-02 | 9420.04 | 611.17 | 8808.87 | 227772.66 |
| 72 | 2030-03 | 9420.04 | 588.41 | 8831.63 | 218941.03 |
| 73 | 2030-04 | 9420.04 | 565.60 | 8854.44 | 210086.59 |
| 74 | 2030-05 | 9420.04 | 542.72 | 8877.31 | 201209.28 |
| 75 | 2030-06 | 9420.04 | 519.79 | 8900.25 | 192309.03 |
| 76 | 2030-07 | 9420.04 | 496.80 | 8923.24 | 183385.79 |
| 77 | 2030-08 | 9420.04 | 473.75 | 8946.29 | 174439.50 |
| 78 | 2030-09 | 9420.04 | 450.64 | 8969.40 | 165470.10 |
| 79 | 2030-10 | 9420.04 | 427.46 | 8992.57 | 156477.52 |
| 80 | 2030-11 | 9420.04 | 404.23 | 9015.80 | 147461.72 |
| 81 | 2030-12 | 9420.04 | 380.94 | 9039.10 | 138422.62 |
| 82 | 2031-01 | 9420.04 | 357.59 | 9062.45 | 129360.17 |
| 83 | 2031-02 | 9420.04 | 334.18 | 9085.86 | 120274.32 |
| 84 | 2031-03 | 9420.04 | 310.71 | 9109.33 | 111164.99 |
| 85 | 2031-04 | 9420.04 | 287.18 | 9132.86 | 102032.12 |
| 86 | 2031-05 | 9420.04 | 263.58 | 9156.46 | 92875.67 |
| 87 | 2031-06 | 9420.04 | 239.93 | 9180.11 | 83695.56 |
| 88 | 2031-07 | 9420.04 | 216.21 | 9203.82 | 74491.73 |
| 89 | 2031-08 | 9420.04 | 192.44 | 9227.60 | 65264.13 |
| 90 | 2031-09 | 9420.04 | 168.60 | 9251.44 | 56012.69 |
| 91 | 2031-10 | 9420.04 | 144.70 | 9275.34 | 46737.35 |
| 92 | 2031-11 | 9420.04 | 120.74 | 9299.30 | 37438.05 |
| 93 | 2031-12 | 9420.04 | 96.71 | 9323.32 | 28114.73 |
| 94 | 2032-01 | 9420.04 | 72.63 | 9347.41 | 18767.32 |
| 95 | 2032-02 | 9420.04 | 48.48 | 9371.56 | 9395.77 |
| 96 | 2032-03 | 9420.04 | 24.27 | 9395.77 | 0.00 |
等额本金还款方式：
贷款总额：80万
还款月数：8年
首月还款：10400元
每月递减：21.53元
利息总额：10.02万
本息合计：90.02万
节省利息：4090.35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 | 10400.00 | 2066.67 | 8333.33 | 791666.67 |
| 2 | 2024-05 | 10378.47 | 2045.14 | 8333.33 | 783333.33 |
| 3 | 2024-06 | 10356.94 | 2023.61 | 8333.33 | 775000.00 |
| 4 | 2024-07 | 10335.42 | 2002.08 | 8333.33 | 766666.67 |
| 5 | 2024-08 | 10313.89 | 1980.56 | 8333.33 | 758333.33 |
| 6 | 2024-09 | 10292.36 | 1959.03 | 8333.33 | 750000.00 |
| 7 | 2024-10 | 10270.83 | 1937.50 | 8333.33 | 741666.67 |
| 8 | 2024-11 | 10249.31 | 1915.97 | 8333.33 | 733333.33 |
| 9 | 2024-12 | 10227.78 | 1894.44 | 8333.33 | 725000.00 |
| 10 | 2025-01 | 10206.25 | 1872.92 | 8333.33 | 716666.67 |
| 11 | 2025-02 | 10184.72 | 1851.39 | 8333.33 | 708333.33 |
| 12 | 2025-03 | 10163.19 | 1829.86 | 8333.33 | 700000.00 |
| 13 | 2025-04 | 10141.67 | 1808.33 | 8333.33 | 691666.67 |
| 14 | 2025-05 | 10120.14 | 1786.81 | 8333.33 | 683333.33 |
| 15 | 2025-06 | 10098.61 | 1765.28 | 8333.33 | 675000.00 |
| 16 | 2025-07 | 10077.08 | 1743.75 | 8333.33 | 666666.67 |
| 17 | 2025-08 | 10055.56 | 1722.22 | 8333.33 | 658333.33 |
| 18 | 2025-09 | 10034.03 | 1700.69 | 8333.33 | 650000.00 |
| 19 | 2025-10 | 10012.50 | 1679.17 | 8333.33 | 641666.67 |
| 20 | 2025-11 | 9990.97 | 1657.64 | 8333.33 | 633333.33 |
| 21 | 2025-12 | 9969.44 | 1636.11 | 8333.33 | 625000.00 |
| 22 | 2026-01 | 9947.92 | 1614.58 | 8333.33 | 616666.67 |
| 23 | 2026-02 | 9926.39 | 1593.06 | 8333.33 | 608333.33 |
| 24 | 2026-03 | 9904.86 | 1571.53 | 8333.33 | 600000.00 |
| 25 | 2026-04 | 9883.33 | 1550.00 | 8333.33 | 591666.67 |
| 26 | 2026-05 | 9861.81 | 1528.47 | 8333.33 | 583333.33 |
| 27 | 2026-06 | 9840.28 | 1506.94 | 8333.33 | 575000.00 |
| 28 | 2026-07 | 9818.75 | 1485.42 | 8333.33 | 566666.67 |
| 29 | 2026-08 | 9797.22 | 1463.89 | 8333.33 | 558333.33 |
| 30 | 2026-09 | 9775.69 | 1442.36 | 8333.33 | 550000.00 |
| 31 | 2026-10 | 9754.17 | 1420.83 | 8333.33 | 541666.67 |
| 32 | 2026-11 | 9732.64 | 1399.31 | 8333.33 | 533333.33 |
| 33 | 2026-12 | 9711.11 | 1377.78 | 8333.33 | 525000.00 |
| 34 | 2027-01 | 9689.58 | 1356.25 | 8333.33 | 516666.67 |
| 35 | 2027-02 | 9668.06 | 1334.72 | 8333.33 | 508333.33 |
| 36 | 2027-03 | 9646.53 | 1313.19 | 8333.33 | 500000.00 |
| 37 | 2027-04 | 9625.00 | 1291.67 | 8333.33 | 491666.67 |
| 38 | 2027-05 | 9603.47 | 1270.14 | 8333.33 | 483333.33 |
| 39 | 2027-06 | 9581.94 | 1248.61 | 8333.33 | 475000.00 |
| 40 | 2027-07 | 9560.42 | 1227.08 | 8333.33 | 466666.67 |
| 41 | 2027-08 | 9538.89 | 1205.56 | 8333.33 | 458333.33 |
| 42 | 2027-09 | 9517.36 | 1184.03 | 8333.33 | 450000.00 |
| 43 | 2027-10 | 9495.83 | 1162.50 | 8333.33 | 441666.67 |
| 44 | 2027-11 | 9474.31 | 1140.97 | 8333.33 | 433333.33 |
| 45 | 2027-12 | 9452.78 | 1119.44 | 8333.33 | 425000.00 |
| 46 | 2028-01 | 9431.25 | 1097.92 | 8333.33 | 416666.67 |
| 47 | 2028-02 | 9409.72 | 1076.39 | 8333.33 | 408333.33 |
| 48 | 2028-03 | 9388.19 | 1054.86 | 8333.33 | 400000.00 |
| 49 | 2028-04 | 9366.67 | 1033.33 | 8333.33 | 391666.67 |
| 50 | 2028-05 | 9345.14 | 1011.81 | 8333.33 | 383333.33 |
| 51 | 2028-06 | 9323.61 | 990.28 | 8333.33 | 375000.00 |
| 52 | 2028-07 | 9302.08 | 968.75 | 8333.33 | 366666.67 |
| 53 | 2028-08 | 9280.56 | 947.22 | 8333.33 | 358333.33 |
| 54 | 2028-09 | 9259.03 | 925.69 | 8333.33 | 350000.00 |
| 55 | 2028-10 | 9237.50 | 904.17 | 8333.33 | 341666.67 |
| 56 | 2028-11 | 9215.97 | 882.64 | 8333.33 | 333333.33 |
| 57 | 2028-12 | 9194.44 | 861.11 | 8333.33 | 325000.00 |
| 58 | 2029-01 | 9172.92 | 839.58 | 8333.33 | 316666.67 |
| 59 | 2029-02 | 9151.39 | 818.06 | 8333.33 | 308333.33 |
| 60 | 2029-03 | 9129.86 | 796.53 | 8333.33 | 300000.00 |
| 61 | 2029-04 | 9108.33 | 775.00 | 8333.33 | 291666.67 |
| 62 | 2029-05 | 9086.81 | 753.47 | 8333.33 | 283333.33 |
| 63 | 2029-06 | 9065.28 | 731.94 | 8333.33 | 275000.00 |
| 64 | 2029-07 | 9043.75 | 710.42 | 8333.33 | 266666.67 |
| 65 | 2029-08 | 9022.22 | 688.89 | 8333.33 | 258333.33 |
| 66 | 2029-09 | 9000.69 | 667.36 | 8333.33 | 250000.00 |
| 67 | 2029-10 | 8979.17 | 645.83 | 8333.33 | 241666.67 |
| 68 | 2029-11 | 8957.64 | 624.31 | 8333.33 | 233333.33 |
| 69 | 2029-12 | 8936.11 | 602.78 | 8333.33 | 225000.00 |
| 70 | 2030-01 | 8914.58 | 581.25 | 8333.33 | 216666.67 |
| 71 | 2030-02 | 8893.06 | 559.72 | 8333.33 | 208333.33 |
| 72 | 2030-03 | 8871.53 | 538.19 | 8333.33 | 200000.00 |
| 73 | 2030-04 | 8850.00 | 516.67 | 8333.33 | 191666.67 |
| 74 | 2030-05 | 8828.47 | 495.14 | 8333.33 | 183333.33 |
| 75 | 2030-06 | 8806.94 | 473.61 | 8333.33 | 175000.00 |
| 76 | 2030-07 | 8785.42 | 452.08 | 8333.33 | 166666.67 |
| 77 | 2030-08 | 8763.89 | 430.56 | 8333.33 | 158333.33 |
| 78 | 2030-09 | 8742.36 | 409.03 | 8333.33 | 150000.00 |
| 79 | 2030-10 | 8720.83 | 387.50 | 8333.33 | 141666.67 |
| 80 | 2030-11 | 8699.31 | 365.97 | 8333.33 | 133333.33 |
| 81 | 2030-12 | 8677.78 | 344.44 | 8333.33 | 125000.00 |
| 82 | 2031-01 | 8656.25 | 322.92 | 8333.33 | 116666.67 |
| 83 | 2031-02 | 8634.72 | 301.39 | 8333.33 | 108333.33 |
| 84 | 2031-03 | 8613.19 | 279.86 | 8333.33 | 100000.00 |
| 85 | 2031-04 | 8591.67 | 258.33 | 8333.33 | 91666.67 |
| 86 | 2031-05 | 8570.14 | 236.81 | 8333.33 | 83333.33 |
| 87 | 2031-06 | 8548.61 | 215.28 | 8333.33 | 75000.00 |
| 88 | 2031-07 | 8527.08 | 193.75 | 8333.33 | 66666.67 |
| 89 | 2031-08 | 8505.56 | 172.22 | 8333.33 | 58333.33 |
| 90 | 2031-09 | 8484.03 | 150.69 | 8333.33 | 50000.00 |
| 91 | 2031-10 | 8462.50 | 129.17 | 8333.33 | 41666.67 |
| 92 | 2031-11 | 8440.97 | 107.64 | 8333.33 | 33333.33 |
| 93 | 2031-12 | 8419.44 | 86.11 | 8333.33 | 25000.00 |
| 94 | 2032-01 | 8397.92 | 64.58 | 8333.33 | 16666.67 |
| 95 | 2032-02 | 8376.39 | 43.06 | 8333.33 | 8333.33 |
| 96 | 2032-03 | 8354.86 | 21.53 | 8333.33 | 0.00 |