贷款7.4万（公积金贷款）房贷，还款6年7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：7.4万
还款月数：6年7个月
每月还款：1036.75元
利息总额：7902.96元
本息合计：8.19万
| 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 | 1036.75 | 191.17 | 845.58 | 73154.42 |
| 2 | 2024-05 | 1036.75 | 188.98 | 847.76 | 72306.66 |
| 3 | 2024-06 | 1036.75 | 186.79 | 849.95 | 71456.70 |
| 4 | 2024-07 | 1036.75 | 184.60 | 852.15 | 70604.55 |
| 5 | 2024-08 | 1036.75 | 182.40 | 854.35 | 69750.20 |
| 6 | 2024-09 | 1036.75 | 180.19 | 856.56 | 68893.64 |
| 7 | 2024-10 | 1036.75 | 177.98 | 858.77 | 68034.87 |
| 8 | 2024-11 | 1036.75 | 175.76 | 860.99 | 67173.88 |
| 9 | 2024-12 | 1036.75 | 173.53 | 863.21 | 66310.67 |
| 10 | 2025-01 | 1036.75 | 171.30 | 865.44 | 65445.22 |
| 11 | 2025-02 | 1036.75 | 169.07 | 867.68 | 64577.55 |
| 12 | 2025-03 | 1036.75 | 166.83 | 869.92 | 63707.62 |
| 13 | 2025-04 | 1036.75 | 164.58 | 872.17 | 62835.46 |
| 14 | 2025-05 | 1036.75 | 162.32 | 874.42 | 61961.03 |
| 15 | 2025-06 | 1036.75 | 160.07 | 876.68 | 61084.35 |
| 16 | 2025-07 | 1036.75 | 157.80 | 878.95 | 60205.41 |
| 17 | 2025-08 | 1036.75 | 155.53 | 881.22 | 59324.19 |
| 18 | 2025-09 | 1036.75 | 153.25 | 883.49 | 58440.70 |
| 19 | 2025-10 | 1036.75 | 150.97 | 885.77 | 57554.93 |
| 20 | 2025-11 | 1036.75 | 148.68 | 888.06 | 56666.86 |
| 21 | 2025-12 | 1036.75 | 146.39 | 890.36 | 55776.51 |
| 22 | 2026-01 | 1036.75 | 144.09 | 892.66 | 54883.85 |
| 23 | 2026-02 | 1036.75 | 141.78 | 894.96 | 53988.89 |
| 24 | 2026-03 | 1036.75 | 139.47 | 897.28 | 53091.61 |
| 25 | 2026-04 | 1036.75 | 137.15 | 899.59 | 52192.02 |
| 26 | 2026-05 | 1036.75 | 134.83 | 901.92 | 51290.10 |
| 27 | 2026-06 | 1036.75 | 132.50 | 904.25 | 50385.86 |
| 28 | 2026-07 | 1036.75 | 130.16 | 906.58 | 49479.27 |
| 29 | 2026-08 | 1036.75 | 127.82 | 908.92 | 48570.35 |
| 30 | 2026-09 | 1036.75 | 125.47 | 911.27 | 47659.07 |
| 31 | 2026-10 | 1036.75 | 123.12 | 913.63 | 46745.45 |
| 32 | 2026-11 | 1036.75 | 120.76 | 915.99 | 45829.46 |
| 33 | 2026-12 | 1036.75 | 118.39 | 918.35 | 44911.11 |
| 34 | 2027-01 | 1036.75 | 116.02 | 920.73 | 43990.38 |
| 35 | 2027-02 | 1036.75 | 113.64 | 923.10 | 43067.28 |
| 36 | 2027-03 | 1036.75 | 111.26 | 925.49 | 42141.79 |
| 37 | 2027-04 | 1036.75 | 108.87 | 927.88 | 41213.91 |
| 38 | 2027-05 | 1036.75 | 106.47 | 930.28 | 40283.63 |
| 39 | 2027-06 | 1036.75 | 104.07 | 932.68 | 39350.95 |
| 40 | 2027-07 | 1036.75 | 101.66 | 935.09 | 38415.86 |
| 41 | 2027-08 | 1036.75 | 99.24 | 937.51 | 37478.35 |
| 42 | 2027-09 | 1036.75 | 96.82 | 939.93 | 36538.43 |
| 43 | 2027-10 | 1036.75 | 94.39 | 942.36 | 35596.07 |
| 44 | 2027-11 | 1036.75 | 91.96 | 944.79 | 34651.28 |
| 45 | 2027-12 | 1036.75 | 89.52 | 947.23 | 33704.05 |
| 46 | 2028-01 | 1036.75 | 87.07 | 949.68 | 32754.37 |
| 47 | 2028-02 | 1036.75 | 84.62 | 952.13 | 31802.24 |
| 48 | 2028-03 | 1036.75 | 82.16 | 954.59 | 30847.65 |
| 49 | 2028-04 | 1036.75 | 79.69 | 957.06 | 29890.60 |
| 50 | 2028-05 | 1036.75 | 77.22 | 959.53 | 28931.07 |
| 51 | 2028-06 | 1036.75 | 74.74 | 962.01 | 27969.06 |
| 52 | 2028-07 | 1036.75 | 72.25 | 964.49 | 27004.57 |
| 53 | 2028-08 | 1036.75 | 69.76 | 966.98 | 26037.58 |
| 54 | 2028-09 | 1036.75 | 67.26 | 969.48 | 25068.10 |
| 55 | 2028-10 | 1036.75 | 64.76 | 971.99 | 24096.11 |
| 56 | 2028-11 | 1036.75 | 62.25 | 974.50 | 23121.61 |
| 57 | 2028-12 | 1036.75 | 59.73 | 977.02 | 22144.60 |
| 58 | 2029-01 | 1036.75 | 57.21 | 979.54 | 21165.06 |
| 59 | 2029-02 | 1036.75 | 54.68 | 982.07 | 20182.99 |
| 60 | 2029-03 | 1036.75 | 52.14 | 984.61 | 19198.38 |
| 61 | 2029-04 | 1036.75 | 49.60 | 987.15 | 18211.23 |
| 62 | 2029-05 | 1036.75 | 47.05 | 989.70 | 17221.53 |
| 63 | 2029-06 | 1036.75 | 44.49 | 992.26 | 16229.27 |
| 64 | 2029-07 | 1036.75 | 41.93 | 994.82 | 15234.45 |
| 65 | 2029-08 | 1036.75 | 39.36 | 997.39 | 14237.06 |
| 66 | 2029-09 | 1036.75 | 36.78 | 999.97 | 13237.10 |
| 67 | 2029-10 | 1036.75 | 34.20 | 1002.55 | 12234.55 |
| 68 | 2029-11 | 1036.75 | 31.61 | 1005.14 | 11229.41 |
| 69 | 2029-12 | 1036.75 | 29.01 | 1007.74 | 10221.67 |
| 70 | 2030-01 | 1036.75 | 26.41 | 1010.34 | 9211.33 |
| 71 | 2030-02 | 1036.75 | 23.80 | 1012.95 | 8198.38 |
| 72 | 2030-03 | 1036.75 | 21.18 | 1015.57 | 7182.81 |
| 73 | 2030-04 | 1036.75 | 18.56 | 1018.19 | 6164.62 |
| 74 | 2030-05 | 1036.75 | 15.93 | 1020.82 | 5143.80 |
| 75 | 2030-06 | 1036.75 | 13.29 | 1023.46 | 4120.34 |
| 76 | 2030-07 | 1036.75 | 10.64 | 1026.10 | 3094.24 |
| 77 | 2030-08 | 1036.75 | 7.99 | 1028.75 | 2065.49 |
| 78 | 2030-09 | 1036.75 | 5.34 | 1031.41 | 1034.07 |
| 79 | 2030-10 | 1036.75 | 2.67 | 1034.07 | 0.00 |
等额本金还款方式：
贷款总额：7.4万
还款月数：6年7个月
首月还款：1127.88元
每月递减：2.42元
利息总额：7646.67元
本息合计：8.16万
节省利息：256.29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 | 1127.88 | 191.17 | 936.71 | 73063.29 |
| 2 | 2024-05 | 1125.46 | 188.75 | 936.71 | 72126.58 |
| 3 | 2024-06 | 1123.04 | 186.33 | 936.71 | 71189.87 |
| 4 | 2024-07 | 1120.62 | 183.91 | 936.71 | 70253.16 |
| 5 | 2024-08 | 1118.20 | 181.49 | 936.71 | 69316.46 |
| 6 | 2024-09 | 1115.78 | 179.07 | 936.71 | 68379.75 |
| 7 | 2024-10 | 1113.36 | 176.65 | 936.71 | 67443.04 |
| 8 | 2024-11 | 1110.94 | 174.23 | 936.71 | 66506.33 |
| 9 | 2024-12 | 1108.52 | 171.81 | 936.71 | 65569.62 |
| 10 | 2025-01 | 1106.10 | 169.39 | 936.71 | 64632.91 |
| 11 | 2025-02 | 1103.68 | 166.97 | 936.71 | 63696.20 |
| 12 | 2025-03 | 1101.26 | 164.55 | 936.71 | 62759.49 |
| 13 | 2025-04 | 1098.84 | 162.13 | 936.71 | 61822.78 |
| 14 | 2025-05 | 1096.42 | 159.71 | 936.71 | 60886.08 |
| 15 | 2025-06 | 1094.00 | 157.29 | 936.71 | 59949.37 |
| 16 | 2025-07 | 1091.58 | 154.87 | 936.71 | 59012.66 |
| 17 | 2025-08 | 1089.16 | 152.45 | 936.71 | 58075.95 |
| 18 | 2025-09 | 1086.74 | 150.03 | 936.71 | 57139.24 |
| 19 | 2025-10 | 1084.32 | 147.61 | 936.71 | 56202.53 |
| 20 | 2025-11 | 1081.90 | 145.19 | 936.71 | 55265.82 |
| 21 | 2025-12 | 1079.48 | 142.77 | 936.71 | 54329.11 |
| 22 | 2026-01 | 1077.06 | 140.35 | 936.71 | 53392.41 |
| 23 | 2026-02 | 1074.64 | 137.93 | 936.71 | 52455.70 |
| 24 | 2026-03 | 1072.22 | 135.51 | 936.71 | 51518.99 |
| 25 | 2026-04 | 1069.80 | 133.09 | 936.71 | 50582.28 |
| 26 | 2026-05 | 1067.38 | 130.67 | 936.71 | 49645.57 |
| 27 | 2026-06 | 1064.96 | 128.25 | 936.71 | 48708.86 |
| 28 | 2026-07 | 1062.54 | 125.83 | 936.71 | 47772.15 |
| 29 | 2026-08 | 1060.12 | 123.41 | 936.71 | 46835.44 |
| 30 | 2026-09 | 1057.70 | 120.99 | 936.71 | 45898.73 |
| 31 | 2026-10 | 1055.28 | 118.57 | 936.71 | 44962.03 |
| 32 | 2026-11 | 1052.86 | 116.15 | 936.71 | 44025.32 |
| 33 | 2026-12 | 1050.44 | 113.73 | 936.71 | 43088.61 |
| 34 | 2027-01 | 1048.02 | 111.31 | 936.71 | 42151.90 |
| 35 | 2027-02 | 1045.60 | 108.89 | 936.71 | 41215.19 |
| 36 | 2027-03 | 1043.18 | 106.47 | 936.71 | 40278.48 |
| 37 | 2027-04 | 1040.76 | 104.05 | 936.71 | 39341.77 |
| 38 | 2027-05 | 1038.34 | 101.63 | 936.71 | 38405.06 |
| 39 | 2027-06 | 1035.92 | 99.21 | 936.71 | 37468.35 |
| 40 | 2027-07 | 1033.50 | 96.79 | 936.71 | 36531.65 |
| 41 | 2027-08 | 1031.08 | 94.37 | 936.71 | 35594.94 |
| 42 | 2027-09 | 1028.66 | 91.95 | 936.71 | 34658.23 |
| 43 | 2027-10 | 1026.24 | 89.53 | 936.71 | 33721.52 |
| 44 | 2027-11 | 1023.82 | 87.11 | 936.71 | 32784.81 |
| 45 | 2027-12 | 1021.40 | 84.69 | 936.71 | 31848.10 |
| 46 | 2028-01 | 1018.98 | 82.27 | 936.71 | 30911.39 |
| 47 | 2028-02 | 1016.56 | 79.85 | 936.71 | 29974.68 |
| 48 | 2028-03 | 1014.14 | 77.43 | 936.71 | 29037.97 |
| 49 | 2028-04 | 1011.72 | 75.01 | 936.71 | 28101.27 |
| 50 | 2028-05 | 1009.30 | 72.59 | 936.71 | 27164.56 |
| 51 | 2028-06 | 1006.88 | 70.18 | 936.71 | 26227.85 |
| 52 | 2028-07 | 1004.46 | 67.76 | 936.71 | 25291.14 |
| 53 | 2028-08 | 1002.04 | 65.34 | 936.71 | 24354.43 |
| 54 | 2028-09 | 999.62 | 62.92 | 936.71 | 23417.72 |
| 55 | 2028-10 | 997.20 | 60.50 | 936.71 | 22481.01 |
| 56 | 2028-11 | 994.78 | 58.08 | 936.71 | 21544.30 |
| 57 | 2028-12 | 992.36 | 55.66 | 936.71 | 20607.59 |
| 58 | 2029-01 | 989.95 | 53.24 | 936.71 | 19670.89 |
| 59 | 2029-02 | 987.53 | 50.82 | 936.71 | 18734.18 |
| 60 | 2029-03 | 985.11 | 48.40 | 936.71 | 17797.47 |
| 61 | 2029-04 | 982.69 | 45.98 | 936.71 | 16860.76 |
| 62 | 2029-05 | 980.27 | 43.56 | 936.71 | 15924.05 |
| 63 | 2029-06 | 977.85 | 41.14 | 936.71 | 14987.34 |
| 64 | 2029-07 | 975.43 | 38.72 | 936.71 | 14050.63 |
| 65 | 2029-08 | 973.01 | 36.30 | 936.71 | 13113.92 |
| 66 | 2029-09 | 970.59 | 33.88 | 936.71 | 12177.22 |
| 67 | 2029-10 | 968.17 | 31.46 | 936.71 | 11240.51 |
| 68 | 2029-11 | 965.75 | 29.04 | 936.71 | 10303.80 |
| 69 | 2029-12 | 963.33 | 26.62 | 936.71 | 9367.09 |
| 70 | 2030-01 | 960.91 | 24.20 | 936.71 | 8430.38 |
| 71 | 2030-02 | 958.49 | 21.78 | 936.71 | 7493.67 |
| 72 | 2030-03 | 956.07 | 19.36 | 936.71 | 6556.96 |
| 73 | 2030-04 | 953.65 | 16.94 | 936.71 | 5620.25 |
| 74 | 2030-05 | 951.23 | 14.52 | 936.71 | 4683.54 |
| 75 | 2030-06 | 948.81 | 12.10 | 936.71 | 3746.84 |
| 76 | 2030-07 | 946.39 | 9.68 | 936.71 | 2810.13 |
| 77 | 2030-08 | 943.97 | 7.26 | 936.71 | 1873.42 |
| 78 | 2030-09 | 941.55 | 4.84 | 936.71 | 936.71 |
| 79 | 2030-10 | 939.13 | 2.42 | 936.71 | 0.00 |