贷款6.5万（公积金贷款）房贷，还款3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：6.5万
还款月数：3年
每月还款：1885.98元
利息总额：2895.45元
本息合计：6.79万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2023-11 | 1885.98 | 154.38 | 1731.61 | 63268.39 |
| 2 | 2023-12 | 1885.98 | 150.26 | 1735.72 | 61532.67 |
| 3 | 2024-01 | 1885.98 | 146.14 | 1739.84 | 59792.82 |
| 4 | 2024-02 | 1885.98 | 142.01 | 1743.98 | 58048.85 |
| 5 | 2024-03 | 1885.98 | 137.87 | 1748.12 | 56300.73 |
| 6 | 2024-04 | 1885.98 | 133.71 | 1752.27 | 54548.46 |
| 7 | 2024-05 | 1885.98 | 129.55 | 1756.43 | 52792.02 |
| 8 | 2024-06 | 1885.98 | 125.38 | 1760.60 | 51031.42 |
| 9 | 2024-07 | 1885.98 | 121.20 | 1764.79 | 49266.64 |
| 10 | 2024-08 | 1885.98 | 117.01 | 1768.98 | 47497.66 |
| 11 | 2024-09 | 1885.98 | 112.81 | 1773.18 | 45724.48 |
| 12 | 2024-10 | 1885.98 | 108.60 | 1777.39 | 43947.09 |
| 13 | 2024-11 | 1885.98 | 104.37 | 1781.61 | 42165.48 |
| 14 | 2024-12 | 1885.98 | 100.14 | 1785.84 | 40379.64 |
| 15 | 2025-01 | 1885.98 | 95.90 | 1790.08 | 38589.56 |
| 16 | 2025-02 | 1885.98 | 91.65 | 1794.33 | 36795.22 |
| 17 | 2025-03 | 1885.98 | 87.39 | 1798.60 | 34996.63 |
| 18 | 2025-04 | 1885.98 | 83.12 | 1802.87 | 33193.76 |
| 19 | 2025-05 | 1885.98 | 78.84 | 1807.15 | 31386.61 |
| 20 | 2025-06 | 1885.98 | 74.54 | 1811.44 | 29575.17 |
| 21 | 2025-07 | 1885.98 | 70.24 | 1815.74 | 27759.42 |
| 22 | 2025-08 | 1885.98 | 65.93 | 1820.06 | 25939.37 |
| 23 | 2025-09 | 1885.98 | 61.61 | 1824.38 | 24114.99 |
| 24 | 2025-10 | 1885.98 | 57.27 | 1828.71 | 22286.28 |
| 25 | 2025-11 | 1885.98 | 52.93 | 1833.05 | 20453.22 |
| 26 | 2025-12 | 1885.98 | 48.58 | 1837.41 | 18615.81 |
| 27 | 2026-01 | 1885.98 | 44.21 | 1841.77 | 16774.04 |
| 28 | 2026-02 | 1885.98 | 39.84 | 1846.15 | 14927.89 |
| 29 | 2026-03 | 1885.98 | 35.45 | 1850.53 | 13077.36 |
| 30 | 2026-04 | 1885.98 | 31.06 | 1854.93 | 11222.44 |
| 31 | 2026-05 | 1885.98 | 26.65 | 1859.33 | 9363.11 |
| 32 | 2026-06 | 1885.98 | 22.24 | 1863.75 | 7499.36 |
| 33 | 2026-07 | 1885.98 | 17.81 | 1868.17 | 5631.19 |
| 34 | 2026-08 | 1885.98 | 13.37 | 1872.61 | 3758.57 |
| 35 | 2026-09 | 1885.98 | 8.93 | 1877.06 | 1881.52 |
| 36 | 2026-10 | 1885.98 | 4.47 | 1881.52 | 0.00 |
等额本金还款方式：
贷款总额：6.5万
还款月数：3年
首月还款：1959.93元
每月递减：4.29元
利息总额：2855.94元
本息合计：6.79万
节省利息：39.51元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2023-11 | 1959.93 | 154.38 | 1805.56 | 63194.44 |
| 2 | 2023-12 | 1955.64 | 150.09 | 1805.56 | 61388.89 |
| 3 | 2024-01 | 1951.35 | 145.80 | 1805.56 | 59583.33 |
| 4 | 2024-02 | 1947.07 | 141.51 | 1805.56 | 57777.78 |
| 5 | 2024-03 | 1942.78 | 137.22 | 1805.56 | 55972.22 |
| 6 | 2024-04 | 1938.49 | 132.93 | 1805.56 | 54166.67 |
| 7 | 2024-05 | 1934.20 | 128.65 | 1805.56 | 52361.11 |
| 8 | 2024-06 | 1929.91 | 124.36 | 1805.56 | 50555.56 |
| 9 | 2024-07 | 1925.63 | 120.07 | 1805.56 | 48750.00 |
| 10 | 2024-08 | 1921.34 | 115.78 | 1805.56 | 46944.44 |
| 11 | 2024-09 | 1917.05 | 111.49 | 1805.56 | 45138.89 |
| 12 | 2024-10 | 1912.76 | 107.20 | 1805.56 | 43333.33 |
| 13 | 2024-11 | 1908.47 | 102.92 | 1805.56 | 41527.78 |
| 14 | 2024-12 | 1904.18 | 98.63 | 1805.56 | 39722.22 |
| 15 | 2025-01 | 1899.90 | 94.34 | 1805.56 | 37916.67 |
| 16 | 2025-02 | 1895.61 | 90.05 | 1805.56 | 36111.11 |
| 17 | 2025-03 | 1891.32 | 85.76 | 1805.56 | 34305.56 |
| 18 | 2025-04 | 1887.03 | 81.48 | 1805.56 | 32500.00 |
| 19 | 2025-05 | 1882.74 | 77.19 | 1805.56 | 30694.44 |
| 20 | 2025-06 | 1878.45 | 72.90 | 1805.56 | 28888.89 |
| 21 | 2025-07 | 1874.17 | 68.61 | 1805.56 | 27083.33 |
| 22 | 2025-08 | 1869.88 | 64.32 | 1805.56 | 25277.78 |
| 23 | 2025-09 | 1865.59 | 60.03 | 1805.56 | 23472.22 |
| 24 | 2025-10 | 1861.30 | 55.75 | 1805.56 | 21666.67 |
| 25 | 2025-11 | 1857.01 | 51.46 | 1805.56 | 19861.11 |
| 26 | 2025-12 | 1852.73 | 47.17 | 1805.56 | 18055.56 |
| 27 | 2026-01 | 1848.44 | 42.88 | 1805.56 | 16250.00 |
| 28 | 2026-02 | 1844.15 | 38.59 | 1805.56 | 14444.44 |
| 29 | 2026-03 | 1839.86 | 34.31 | 1805.56 | 12638.89 |
| 30 | 2026-04 | 1835.57 | 30.02 | 1805.56 | 10833.33 |
| 31 | 2026-05 | 1831.28 | 25.73 | 1805.56 | 9027.78 |
| 32 | 2026-06 | 1827.00 | 21.44 | 1805.56 | 7222.22 |
| 33 | 2026-07 | 1822.71 | 17.15 | 1805.56 | 5416.67 |
| 34 | 2026-08 | 1818.42 | 12.86 | 1805.56 | 3611.11 |
| 35 | 2026-09 | 1814.13 | 8.58 | 1805.56 | 1805.56 |
| 36 | 2026-10 | 1809.84 | 4.29 | 1805.56 | 0.00 |