上海贷款80万（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：80万
还款月数：2年6个月
每月还款：27800.74元
利息总额：3.4万
本息合计：83.4万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 27800.74 | 2166.67 | 25634.08 | 774365.92 |
| 2 | 2025-06 | 27800.74 | 2097.24 | 25703.50 | 748662.42 |
| 3 | 2025-07 | 27800.74 | 2027.63 | 25773.12 | 722889.30 |
| 4 | 2025-08 | 27800.74 | 1957.83 | 25842.92 | 697046.39 |
| 5 | 2025-09 | 27800.74 | 1887.83 | 25912.91 | 671133.48 |
| 6 | 2025-10 | 27800.74 | 1817.65 | 25983.09 | 645150.39 |
| 7 | 2025-11 | 27800.74 | 1747.28 | 26053.46 | 619096.92 |
| 8 | 2025-12 | 27800.74 | 1676.72 | 26124.02 | 592972.90 |
| 9 | 2026-01 | 27800.74 | 1605.97 | 26194.78 | 566778.13 |
| 10 | 2026-02 | 27800.74 | 1535.02 | 26265.72 | 540512.41 |
| 11 | 2026-03 | 27800.74 | 1463.89 | 26336.86 | 514175.55 |
| 12 | 2026-04 | 27800.74 | 1392.56 | 26408.18 | 487767.37 |
| 13 | 2026-05 | 27800.74 | 1321.04 | 26479.71 | 461287.66 |
| 14 | 2026-06 | 27800.74 | 1249.32 | 26551.42 | 434736.24 |
| 15 | 2026-07 | 27800.74 | 1177.41 | 26623.33 | 408112.90 |
| 16 | 2026-08 | 27800.74 | 1105.31 | 26695.44 | 381417.47 |
| 17 | 2026-09 | 27800.74 | 1033.01 | 26767.74 | 354649.73 |
| 18 | 2026-10 | 27800.74 | 960.51 | 26840.23 | 327809.49 |
| 19 | 2026-11 | 27800.74 | 887.82 | 26912.93 | 300896.57 |
| 20 | 2026-12 | 27800.74 | 814.93 | 26985.82 | 273910.75 |
| 21 | 2027-01 | 27800.74 | 741.84 | 27058.90 | 246851.85 |
| 22 | 2027-02 | 27800.74 | 668.56 | 27132.19 | 219719.67 |
| 23 | 2027-03 | 27800.74 | 595.07 | 27205.67 | 192514.00 |
| 24 | 2027-04 | 27800.74 | 521.39 | 27279.35 | 165234.64 |
| 25 | 2027-05 | 27800.74 | 447.51 | 27353.23 | 137881.41 |
| 26 | 2027-06 | 27800.74 | 373.43 | 27427.31 | 110454.10 |
| 27 | 2027-07 | 27800.74 | 299.15 | 27501.60 | 82952.50 |
| 28 | 2027-08 | 27800.74 | 224.66 | 27576.08 | 55376.42 |
| 29 | 2027-09 | 27800.74 | 149.98 | 27650.77 | 27725.65 |
| 30 | 2027-10 | 27800.74 | 75.09 | 27725.65 | 0.00 |
等额本金还款方式：
贷款总额：80万
还款月数：2年6个月
首月还款：28833.33元
每月递减：72.22元
利息总额：3.36万
本息合计：83.36万
节省利息：438.97元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-05 | 28833.33 | 2166.67 | 26666.67 | 773333.33 |
| 2 | 2025-06 | 28761.11 | 2094.44 | 26666.67 | 746666.67 |
| 3 | 2025-07 | 28688.89 | 2022.22 | 26666.67 | 720000.00 |
| 4 | 2025-08 | 28616.67 | 1950.00 | 26666.67 | 693333.33 |
| 5 | 2025-09 | 28544.44 | 1877.78 | 26666.67 | 666666.67 |
| 6 | 2025-10 | 28472.22 | 1805.56 | 26666.67 | 640000.00 |
| 7 | 2025-11 | 28400.00 | 1733.33 | 26666.67 | 613333.33 |
| 8 | 2025-12 | 28327.78 | 1661.11 | 26666.67 | 586666.67 |
| 9 | 2026-01 | 28255.56 | 1588.89 | 26666.67 | 560000.00 |
| 10 | 2026-02 | 28183.33 | 1516.67 | 26666.67 | 533333.33 |
| 11 | 2026-03 | 28111.11 | 1444.44 | 26666.67 | 506666.67 |
| 12 | 2026-04 | 28038.89 | 1372.22 | 26666.67 | 480000.00 |
| 13 | 2026-05 | 27966.67 | 1300.00 | 26666.67 | 453333.33 |
| 14 | 2026-06 | 27894.44 | 1227.78 | 26666.67 | 426666.67 |
| 15 | 2026-07 | 27822.22 | 1155.56 | 26666.67 | 400000.00 |
| 16 | 2026-08 | 27750.00 | 1083.33 | 26666.67 | 373333.33 |
| 17 | 2026-09 | 27677.78 | 1011.11 | 26666.67 | 346666.67 |
| 18 | 2026-10 | 27605.56 | 938.89 | 26666.67 | 320000.00 |
| 19 | 2026-11 | 27533.33 | 866.67 | 26666.67 | 293333.33 |
| 20 | 2026-12 | 27461.11 | 794.44 | 26666.67 | 266666.67 |
| 21 | 2027-01 | 27388.89 | 722.22 | 26666.67 | 240000.00 |
| 22 | 2027-02 | 27316.67 | 650.00 | 26666.67 | 213333.33 |
| 23 | 2027-03 | 27244.44 | 577.78 | 26666.67 | 186666.67 |
| 24 | 2027-04 | 27172.22 | 505.56 | 26666.67 | 160000.00 |
| 25 | 2027-05 | 27100.00 | 433.33 | 26666.67 | 133333.33 |
| 26 | 2027-06 | 27027.78 | 361.11 | 26666.67 | 106666.67 |
| 27 | 2027-07 | 26955.56 | 288.89 | 26666.67 | 80000.00 |
| 28 | 2027-08 | 26883.33 | 216.67 | 26666.67 | 53333.33 |
| 29 | 2027-09 | 26811.11 | 144.44 | 26666.67 | 26666.67 |
| 30 | 2027-10 | 26738.89 | 72.22 | 26666.67 | 0.00 |