贷款18万（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：18万
还款月数：6年
每月还款：2763.14元
利息总额：1.89万
本息合计：19.89万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-10 | 2763.14 | 502.50 | 2260.64 | 177739.36 |
| 2 | 2024-11 | 2763.14 | 496.19 | 2266.95 | 175472.41 |
| 3 | 2024-12 | 2763.14 | 489.86 | 2273.28 | 173199.14 |
| 4 | 2025-01 | 2763.14 | 483.51 | 2279.62 | 170919.51 |
| 5 | 2025-02 | 2763.14 | 477.15 | 2285.99 | 168633.53 |
| 6 | 2025-03 | 2763.14 | 470.77 | 2292.37 | 166341.16 |
| 7 | 2025-04 | 2763.14 | 464.37 | 2298.77 | 164042.39 |
| 8 | 2025-05 | 2763.14 | 457.95 | 2305.19 | 161737.20 |
| 9 | 2025-06 | 2763.14 | 451.52 | 2311.62 | 159425.58 |
| 10 | 2025-07 | 2763.14 | 445.06 | 2318.07 | 157107.51 |
| 11 | 2025-08 | 2763.14 | 438.59 | 2324.55 | 154782.96 |
| 12 | 2025-09 | 2763.14 | 432.10 | 2331.04 | 152451.93 |
| 13 | 2025-10 | 2763.14 | 425.59 | 2337.54 | 150114.38 |
| 14 | 2025-11 | 2763.14 | 419.07 | 2344.07 | 147770.32 |
| 15 | 2025-12 | 2763.14 | 412.53 | 2350.61 | 145419.70 |
| 16 | 2026-01 | 2763.14 | 405.96 | 2357.17 | 143062.53 |
| 17 | 2026-02 | 2763.14 | 399.38 | 2363.75 | 140698.78 |
| 18 | 2026-03 | 2763.14 | 392.78 | 2370.35 | 138328.42 |
| 19 | 2026-04 | 2763.14 | 386.17 | 2376.97 | 135951.45 |
| 20 | 2026-05 | 2763.14 | 379.53 | 2383.61 | 133567.85 |
| 21 | 2026-06 | 2763.14 | 372.88 | 2390.26 | 131177.59 |
| 22 | 2026-07 | 2763.14 | 366.20 | 2396.93 | 128780.65 |
| 23 | 2026-08 | 2763.14 | 359.51 | 2403.62 | 126377.03 |
| 24 | 2026-09 | 2763.14 | 352.80 | 2410.33 | 123966.69 |
| 25 | 2026-10 | 2763.14 | 346.07 | 2417.06 | 121549.63 |
| 26 | 2026-11 | 2763.14 | 339.33 | 2423.81 | 119125.82 |
| 27 | 2026-12 | 2763.14 | 332.56 | 2430.58 | 116695.24 |
| 28 | 2027-01 | 2763.14 | 325.77 | 2437.36 | 114257.88 |
| 29 | 2027-02 | 2763.14 | 318.97 | 2444.17 | 111813.71 |
| 30 | 2027-03 | 2763.14 | 312.15 | 2450.99 | 109362.72 |
| 31 | 2027-04 | 2763.14 | 305.30 | 2457.83 | 106904.88 |
| 32 | 2027-05 | 2763.14 | 298.44 | 2464.69 | 104440.19 |
| 33 | 2027-06 | 2763.14 | 291.56 | 2471.58 | 101968.61 |
| 34 | 2027-07 | 2763.14 | 284.66 | 2478.48 | 99490.14 |
| 35 | 2027-08 | 2763.14 | 277.74 | 2485.39 | 97004.74 |
| 36 | 2027-09 | 2763.14 | 270.80 | 2492.33 | 94512.41 |
| 37 | 2027-10 | 2763.14 | 263.85 | 2499.29 | 92013.12 |
| 38 | 2027-11 | 2763.14 | 256.87 | 2506.27 | 89506.85 |
| 39 | 2027-12 | 2763.14 | 249.87 | 2513.26 | 86993.59 |
| 40 | 2028-01 | 2763.14 | 242.86 | 2520.28 | 84473.31 |
| 41 | 2028-02 | 2763.14 | 235.82 | 2527.32 | 81945.99 |
| 42 | 2028-03 | 2763.14 | 228.77 | 2534.37 | 79411.62 |
| 43 | 2028-04 | 2763.14 | 221.69 | 2541.45 | 76870.18 |
| 44 | 2028-05 | 2763.14 | 214.60 | 2548.54 | 74321.63 |
| 45 | 2028-06 | 2763.14 | 207.48 | 2555.66 | 71765.98 |
| 46 | 2028-07 | 2763.14 | 200.35 | 2562.79 | 69203.19 |
| 47 | 2028-08 | 2763.14 | 193.19 | 2569.95 | 66633.24 |
| 48 | 2028-09 | 2763.14 | 186.02 | 2577.12 | 64056.12 |
| 49 | 2028-10 | 2763.14 | 178.82 | 2584.31 | 61471.81 |
| 50 | 2028-11 | 2763.14 | 171.61 | 2591.53 | 58880.28 |
| 51 | 2028-12 | 2763.14 | 164.37 | 2598.76 | 56281.52 |
| 52 | 2029-01 | 2763.14 | 157.12 | 2606.02 | 53675.50 |
| 53 | 2029-02 | 2763.14 | 149.84 | 2613.29 | 51062.20 |
| 54 | 2029-03 | 2763.14 | 142.55 | 2620.59 | 48441.62 |
| 55 | 2029-04 | 2763.14 | 135.23 | 2627.90 | 45813.71 |
| 56 | 2029-05 | 2763.14 | 127.90 | 2635.24 | 43178.47 |
| 57 | 2029-06 | 2763.14 | 120.54 | 2642.60 | 40535.87 |
| 58 | 2029-07 | 2763.14 | 113.16 | 2649.97 | 37885.90 |
| 59 | 2029-08 | 2763.14 | 105.76 | 2657.37 | 35228.52 |
| 60 | 2029-09 | 2763.14 | 98.35 | 2664.79 | 32563.73 |
| 61 | 2029-10 | 2763.14 | 90.91 | 2672.23 | 29891.50 |
| 62 | 2029-11 | 2763.14 | 83.45 | 2679.69 | 27211.81 |
| 63 | 2029-12 | 2763.14 | 75.97 | 2687.17 | 24524.64 |
| 64 | 2030-01 | 2763.14 | 68.46 | 2694.67 | 21829.97 |
| 65 | 2030-02 | 2763.14 | 60.94 | 2702.20 | 19127.77 |
| 66 | 2030-03 | 2763.14 | 53.40 | 2709.74 | 16418.03 |
| 67 | 2030-04 | 2763.14 | 45.83 | 2717.30 | 13700.73 |
| 68 | 2030-05 | 2763.14 | 38.25 | 2724.89 | 10975.84 |
| 69 | 2030-06 | 2763.14 | 30.64 | 2732.50 | 8243.34 |
| 70 | 2030-07 | 2763.14 | 23.01 | 2740.12 | 5503.22 |
| 71 | 2030-08 | 2763.14 | 15.36 | 2747.77 | 2755.45 |
| 72 | 2030-09 | 2763.14 | 7.69 | 2755.45 | 0.00 |
等额本金还款方式：
贷款总额：18万
还款月数：6年
首月还款：3002.5元
每月递减：6.98元
利息总额：1.83万
本息合计：19.83万
节省利息：604.65元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-10 | 3002.50 | 502.50 | 2500.00 | 177500.00 |
| 2 | 2024-11 | 2995.52 | 495.52 | 2500.00 | 175000.00 |
| 3 | 2024-12 | 2988.54 | 488.54 | 2500.00 | 172500.00 |
| 4 | 2025-01 | 2981.56 | 481.56 | 2500.00 | 170000.00 |
| 5 | 2025-02 | 2974.58 | 474.58 | 2500.00 | 167500.00 |
| 6 | 2025-03 | 2967.60 | 467.60 | 2500.00 | 165000.00 |
| 7 | 2025-04 | 2960.63 | 460.63 | 2500.00 | 162500.00 |
| 8 | 2025-05 | 2953.65 | 453.65 | 2500.00 | 160000.00 |
| 9 | 2025-06 | 2946.67 | 446.67 | 2500.00 | 157500.00 |
| 10 | 2025-07 | 2939.69 | 439.69 | 2500.00 | 155000.00 |
| 11 | 2025-08 | 2932.71 | 432.71 | 2500.00 | 152500.00 |
| 12 | 2025-09 | 2925.73 | 425.73 | 2500.00 | 150000.00 |
| 13 | 2025-10 | 2918.75 | 418.75 | 2500.00 | 147500.00 |
| 14 | 2025-11 | 2911.77 | 411.77 | 2500.00 | 145000.00 |
| 15 | 2025-12 | 2904.79 | 404.79 | 2500.00 | 142500.00 |
| 16 | 2026-01 | 2897.81 | 397.81 | 2500.00 | 140000.00 |
| 17 | 2026-02 | 2890.83 | 390.83 | 2500.00 | 137500.00 |
| 18 | 2026-03 | 2883.85 | 383.85 | 2500.00 | 135000.00 |
| 19 | 2026-04 | 2876.88 | 376.88 | 2500.00 | 132500.00 |
| 20 | 2026-05 | 2869.90 | 369.90 | 2500.00 | 130000.00 |
| 21 | 2026-06 | 2862.92 | 362.92 | 2500.00 | 127500.00 |
| 22 | 2026-07 | 2855.94 | 355.94 | 2500.00 | 125000.00 |
| 23 | 2026-08 | 2848.96 | 348.96 | 2500.00 | 122500.00 |
| 24 | 2026-09 | 2841.98 | 341.98 | 2500.00 | 120000.00 |
| 25 | 2026-10 | 2835.00 | 335.00 | 2500.00 | 117500.00 |
| 26 | 2026-11 | 2828.02 | 328.02 | 2500.00 | 115000.00 |
| 27 | 2026-12 | 2821.04 | 321.04 | 2500.00 | 112500.00 |
| 28 | 2027-01 | 2814.06 | 314.06 | 2500.00 | 110000.00 |
| 29 | 2027-02 | 2807.08 | 307.08 | 2500.00 | 107500.00 |
| 30 | 2027-03 | 2800.10 | 300.10 | 2500.00 | 105000.00 |
| 31 | 2027-04 | 2793.13 | 293.13 | 2500.00 | 102500.00 |
| 32 | 2027-05 | 2786.15 | 286.15 | 2500.00 | 100000.00 |
| 33 | 2027-06 | 2779.17 | 279.17 | 2500.00 | 97500.00 |
| 34 | 2027-07 | 2772.19 | 272.19 | 2500.00 | 95000.00 |
| 35 | 2027-08 | 2765.21 | 265.21 | 2500.00 | 92500.00 |
| 36 | 2027-09 | 2758.23 | 258.23 | 2500.00 | 90000.00 |
| 37 | 2027-10 | 2751.25 | 251.25 | 2500.00 | 87500.00 |
| 38 | 2027-11 | 2744.27 | 244.27 | 2500.00 | 85000.00 |
| 39 | 2027-12 | 2737.29 | 237.29 | 2500.00 | 82500.00 |
| 40 | 2028-01 | 2730.31 | 230.31 | 2500.00 | 80000.00 |
| 41 | 2028-02 | 2723.33 | 223.33 | 2500.00 | 77500.00 |
| 42 | 2028-03 | 2716.35 | 216.35 | 2500.00 | 75000.00 |
| 43 | 2028-04 | 2709.38 | 209.38 | 2500.00 | 72500.00 |
| 44 | 2028-05 | 2702.40 | 202.40 | 2500.00 | 70000.00 |
| 45 | 2028-06 | 2695.42 | 195.42 | 2500.00 | 67500.00 |
| 46 | 2028-07 | 2688.44 | 188.44 | 2500.00 | 65000.00 |
| 47 | 2028-08 | 2681.46 | 181.46 | 2500.00 | 62500.00 |
| 48 | 2028-09 | 2674.48 | 174.48 | 2500.00 | 60000.00 |
| 49 | 2028-10 | 2667.50 | 167.50 | 2500.00 | 57500.00 |
| 50 | 2028-11 | 2660.52 | 160.52 | 2500.00 | 55000.00 |
| 51 | 2028-12 | 2653.54 | 153.54 | 2500.00 | 52500.00 |
| 52 | 2029-01 | 2646.56 | 146.56 | 2500.00 | 50000.00 |
| 53 | 2029-02 | 2639.58 | 139.58 | 2500.00 | 47500.00 |
| 54 | 2029-03 | 2632.60 | 132.60 | 2500.00 | 45000.00 |
| 55 | 2029-04 | 2625.63 | 125.63 | 2500.00 | 42500.00 |
| 56 | 2029-05 | 2618.65 | 118.65 | 2500.00 | 40000.00 |
| 57 | 2029-06 | 2611.67 | 111.67 | 2500.00 | 37500.00 |
| 58 | 2029-07 | 2604.69 | 104.69 | 2500.00 | 35000.00 |
| 59 | 2029-08 | 2597.71 | 97.71 | 2500.00 | 32500.00 |
| 60 | 2029-09 | 2590.73 | 90.73 | 2500.00 | 30000.00 |
| 61 | 2029-10 | 2583.75 | 83.75 | 2500.00 | 27500.00 |
| 62 | 2029-11 | 2576.77 | 76.77 | 2500.00 | 25000.00 |
| 63 | 2029-12 | 2569.79 | 69.79 | 2500.00 | 22500.00 |
| 64 | 2030-01 | 2562.81 | 62.81 | 2500.00 | 20000.00 |
| 65 | 2030-02 | 2555.83 | 55.83 | 2500.00 | 17500.00 |
| 66 | 2030-03 | 2548.85 | 48.85 | 2500.00 | 15000.00 |
| 67 | 2030-04 | 2541.88 | 41.88 | 2500.00 | 12500.00 |
| 68 | 2030-05 | 2534.90 | 34.90 | 2500.00 | 10000.00 |
| 69 | 2030-06 | 2527.92 | 27.92 | 2500.00 | 7500.00 |
| 70 | 2030-07 | 2520.94 | 20.94 | 2500.00 | 5000.00 |
| 71 | 2030-08 | 2513.96 | 13.96 | 2500.00 | 2500.00 |
| 72 | 2030-09 | 2506.98 | 6.98 | 2500.00 | 0.00 |
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