贷款21.47万（公积金贷款）房贷，还款2年6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：21.47万
还款月数：2年6个月
每月还款：7286.51元
利息总额：3849.12元
本息合计：21.86万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 7286.51 | 246.96 | 7039.56 | 207706.77 |
| 2 | 2025-03 | 7286.51 | 238.86 | 7047.65 | 200659.12 |
| 3 | 2025-04 | 7286.51 | 230.76 | 7055.76 | 193603.36 |
| 4 | 2025-05 | 7286.51 | 222.64 | 7063.87 | 186539.49 |
| 5 | 2025-06 | 7286.51 | 214.52 | 7071.99 | 179467.50 |
| 6 | 2025-07 | 7286.51 | 206.39 | 7080.13 | 172387.37 |
| 7 | 2025-08 | 7286.51 | 198.25 | 7088.27 | 165299.10 |
| 8 | 2025-09 | 7286.51 | 190.09 | 7096.42 | 158202.68 |
| 9 | 2025-10 | 7286.51 | 181.93 | 7104.58 | 151098.10 |
| 10 | 2025-11 | 7286.51 | 173.76 | 7112.75 | 143985.35 |
| 11 | 2025-12 | 7286.51 | 165.58 | 7120.93 | 136864.42 |
| 12 | 2026-01 | 7286.51 | 157.39 | 7129.12 | 129735.29 |
| 13 | 2026-02 | 7286.51 | 149.20 | 7137.32 | 122597.98 |
| 14 | 2026-03 | 7286.51 | 140.99 | 7145.53 | 115452.45 |
| 15 | 2026-04 | 7286.51 | 132.77 | 7153.74 | 108298.70 |
| 16 | 2026-05 | 7286.51 | 124.54 | 7161.97 | 101136.73 |
| 17 | 2026-06 | 7286.51 | 116.31 | 7170.21 | 93966.52 |
| 18 | 2026-07 | 7286.51 | 108.06 | 7178.45 | 86788.07 |
| 19 | 2026-08 | 7286.51 | 99.81 | 7186.71 | 79601.36 |
| 20 | 2026-09 | 7286.51 | 91.54 | 7194.97 | 72406.39 |
| 21 | 2026-10 | 7286.51 | 83.27 | 7203.25 | 65203.14 |
| 22 | 2026-11 | 7286.51 | 74.98 | 7211.53 | 57991.61 |
| 23 | 2026-12 | 7286.51 | 66.69 | 7219.82 | 50771.79 |
| 24 | 2027-01 | 7286.51 | 58.39 | 7228.13 | 43543.66 |
| 25 | 2027-02 | 7286.51 | 50.08 | 7236.44 | 36307.22 |
| 26 | 2027-03 | 7286.51 | 41.75 | 7244.76 | 29062.46 |
| 27 | 2027-04 | 7286.51 | 33.42 | 7253.09 | 21809.36 |
| 28 | 2027-05 | 7286.51 | 25.08 | 7261.43 | 14547.93 |
| 29 | 2027-06 | 7286.51 | 16.73 | 7269.78 | 7278.15 |
| 30 | 2027-07 | 7286.51 | 8.37 | 7278.15 | 0.00 |
等额本金还款方式：
贷款总额：21.47万
还款月数：2年6个月
首月还款：7405.17元
每月递减：8.23元
利息总额：3827.85元
本息合计：21.86万
节省利息：21.26元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-02 | 7405.17 | 246.96 | 7158.21 | 207588.12 |
| 2 | 2025-03 | 7396.94 | 238.73 | 7158.21 | 200429.91 |
| 3 | 2025-04 | 7388.71 | 230.49 | 7158.21 | 193271.70 |
| 4 | 2025-05 | 7380.47 | 222.26 | 7158.21 | 186113.49 |
| 5 | 2025-06 | 7372.24 | 214.03 | 7158.21 | 178955.27 |
| 6 | 2025-07 | 7364.01 | 205.80 | 7158.21 | 171797.06 |
| 7 | 2025-08 | 7355.78 | 197.57 | 7158.21 | 164638.85 |
| 8 | 2025-09 | 7347.55 | 189.33 | 7158.21 | 157480.64 |
| 9 | 2025-10 | 7339.31 | 181.10 | 7158.21 | 150322.43 |
| 10 | 2025-11 | 7331.08 | 172.87 | 7158.21 | 143164.22 |
| 11 | 2025-12 | 7322.85 | 164.64 | 7158.21 | 136006.01 |
| 12 | 2026-01 | 7314.62 | 156.41 | 7158.21 | 128847.80 |
| 13 | 2026-02 | 7306.39 | 148.17 | 7158.21 | 121689.59 |
| 14 | 2026-03 | 7298.15 | 139.94 | 7158.21 | 114531.38 |
| 15 | 2026-04 | 7289.92 | 131.71 | 7158.21 | 107373.16 |
| 16 | 2026-05 | 7281.69 | 123.48 | 7158.21 | 100214.95 |
| 17 | 2026-06 | 7273.46 | 115.25 | 7158.21 | 93056.74 |
| 18 | 2026-07 | 7265.23 | 107.02 | 7158.21 | 85898.53 |
| 19 | 2026-08 | 7256.99 | 98.78 | 7158.21 | 78740.32 |
| 20 | 2026-09 | 7248.76 | 90.55 | 7158.21 | 71582.11 |
| 21 | 2026-10 | 7240.53 | 82.32 | 7158.21 | 64423.90 |
| 22 | 2026-11 | 7232.30 | 74.09 | 7158.21 | 57265.69 |
| 23 | 2026-12 | 7224.07 | 65.86 | 7158.21 | 50107.48 |
| 24 | 2027-01 | 7215.83 | 57.62 | 7158.21 | 42949.27 |
| 25 | 2027-02 | 7207.60 | 49.39 | 7158.21 | 35791.05 |
| 26 | 2027-03 | 7199.37 | 41.16 | 7158.21 | 28632.84 |
| 27 | 2027-04 | 7191.14 | 32.93 | 7158.21 | 21474.63 |
| 28 | 2027-05 | 7182.91 | 24.70 | 7158.21 | 14316.42 |
| 29 | 2027-06 | 7174.67 | 16.46 | 7158.21 | 7158.21 |
| 30 | 2027-07 | 7166.44 | 8.23 | 7158.21 | 0.00 |