合肥贷款80万（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：80万
还款月数：3年
每月还款：23291.42元
利息总额：3.85万
本息合计：83.85万
| 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 | 23291.42 | 2050.00 | 21241.42 | 778758.58 |
| 2 | 2025-06 | 23291.42 | 1995.57 | 21295.85 | 757462.73 |
| 3 | 2025-07 | 23291.42 | 1941.00 | 21350.42 | 736112.31 |
| 4 | 2025-08 | 23291.42 | 1886.29 | 21405.13 | 714707.18 |
| 5 | 2025-09 | 23291.42 | 1831.44 | 21459.98 | 693247.20 |
| 6 | 2025-10 | 23291.42 | 1776.45 | 21514.97 | 671732.22 |
| 7 | 2025-11 | 23291.42 | 1721.31 | 21570.11 | 650162.12 |
| 8 | 2025-12 | 23291.42 | 1666.04 | 21625.38 | 628536.74 |
| 9 | 2026-01 | 23291.42 | 1610.63 | 21680.79 | 606855.94 |
| 10 | 2026-02 | 23291.42 | 1555.07 | 21736.35 | 585119.59 |
| 11 | 2026-03 | 23291.42 | 1499.37 | 21792.05 | 563327.54 |
| 12 | 2026-04 | 23291.42 | 1443.53 | 21847.89 | 541479.65 |
| 13 | 2026-05 | 23291.42 | 1387.54 | 21903.88 | 519575.77 |
| 14 | 2026-06 | 23291.42 | 1331.41 | 21960.01 | 497615.77 |
| 15 | 2026-07 | 23291.42 | 1275.14 | 22016.28 | 475599.49 |
| 16 | 2026-08 | 23291.42 | 1218.72 | 22072.70 | 453526.79 |
| 17 | 2026-09 | 23291.42 | 1162.16 | 22129.26 | 431397.53 |
| 18 | 2026-10 | 23291.42 | 1105.46 | 22185.96 | 409211.57 |
| 19 | 2026-11 | 23291.42 | 1048.60 | 22242.81 | 386968.76 |
| 20 | 2026-12 | 23291.42 | 991.61 | 22299.81 | 364668.95 |
| 21 | 2027-01 | 23291.42 | 934.46 | 22356.96 | 342311.99 |
| 22 | 2027-02 | 23291.42 | 877.17 | 22414.24 | 319897.75 |
| 23 | 2027-03 | 23291.42 | 819.74 | 22471.68 | 297426.06 |
| 24 | 2027-04 | 23291.42 | 762.15 | 22529.27 | 274896.80 |
| 25 | 2027-05 | 23291.42 | 704.42 | 22587.00 | 252309.80 |
| 26 | 2027-06 | 23291.42 | 646.54 | 22644.88 | 229664.93 |
| 27 | 2027-07 | 23291.42 | 588.52 | 22702.90 | 206962.02 |
| 28 | 2027-08 | 23291.42 | 530.34 | 22761.08 | 184200.95 |
| 29 | 2027-09 | 23291.42 | 472.01 | 22819.40 | 161381.54 |
| 30 | 2027-10 | 23291.42 | 413.54 | 22877.88 | 138503.66 |
| 31 | 2027-11 | 23291.42 | 354.92 | 22936.50 | 115567.16 |
| 32 | 2027-12 | 23291.42 | 296.14 | 22995.28 | 92571.88 |
| 33 | 2028-01 | 23291.42 | 237.22 | 23054.20 | 69517.68 |
| 34 | 2028-02 | 23291.42 | 178.14 | 23113.28 | 46404.40 |
| 35 | 2028-03 | 23291.42 | 118.91 | 23172.51 | 23231.89 |
| 36 | 2028-04 | 23291.42 | 59.53 | 23231.89 | 0.00 |
等额本金还款方式：
贷款总额：80万
还款月数：3年
首月还款：24272.22元
每月递减：56.94元
利息总额：3.79万
本息合计：83.79万
节省利息：566.09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 | 24272.22 | 2050.00 | 22222.22 | 777777.78 |
| 2 | 2025-06 | 24215.28 | 1993.06 | 22222.22 | 755555.56 |
| 3 | 2025-07 | 24158.33 | 1936.11 | 22222.22 | 733333.33 |
| 4 | 2025-08 | 24101.39 | 1879.17 | 22222.22 | 711111.11 |
| 5 | 2025-09 | 24044.44 | 1822.22 | 22222.22 | 688888.89 |
| 6 | 2025-10 | 23987.50 | 1765.28 | 22222.22 | 666666.67 |
| 7 | 2025-11 | 23930.56 | 1708.33 | 22222.22 | 644444.44 |
| 8 | 2025-12 | 23873.61 | 1651.39 | 22222.22 | 622222.22 |
| 9 | 2026-01 | 23816.67 | 1594.44 | 22222.22 | 600000.00 |
| 10 | 2026-02 | 23759.72 | 1537.50 | 22222.22 | 577777.78 |
| 11 | 2026-03 | 23702.78 | 1480.56 | 22222.22 | 555555.56 |
| 12 | 2026-04 | 23645.83 | 1423.61 | 22222.22 | 533333.33 |
| 13 | 2026-05 | 23588.89 | 1366.67 | 22222.22 | 511111.11 |
| 14 | 2026-06 | 23531.94 | 1309.72 | 22222.22 | 488888.89 |
| 15 | 2026-07 | 23475.00 | 1252.78 | 22222.22 | 466666.67 |
| 16 | 2026-08 | 23418.06 | 1195.83 | 22222.22 | 444444.44 |
| 17 | 2026-09 | 23361.11 | 1138.89 | 22222.22 | 422222.22 |
| 18 | 2026-10 | 23304.17 | 1081.94 | 22222.22 | 400000.00 |
| 19 | 2026-11 | 23247.22 | 1025.00 | 22222.22 | 377777.78 |
| 20 | 2026-12 | 23190.28 | 968.06 | 22222.22 | 355555.56 |
| 21 | 2027-01 | 23133.33 | 911.11 | 22222.22 | 333333.33 |
| 22 | 2027-02 | 23076.39 | 854.17 | 22222.22 | 311111.11 |
| 23 | 2027-03 | 23019.44 | 797.22 | 22222.22 | 288888.89 |
| 24 | 2027-04 | 22962.50 | 740.28 | 22222.22 | 266666.67 |
| 25 | 2027-05 | 22905.56 | 683.33 | 22222.22 | 244444.44 |
| 26 | 2027-06 | 22848.61 | 626.39 | 22222.22 | 222222.22 |
| 27 | 2027-07 | 22791.67 | 569.44 | 22222.22 | 200000.00 |
| 28 | 2027-08 | 22734.72 | 512.50 | 22222.22 | 177777.78 |
| 29 | 2027-09 | 22677.78 | 455.56 | 22222.22 | 155555.56 |
| 30 | 2027-10 | 22620.83 | 398.61 | 22222.22 | 133333.33 |
| 31 | 2027-11 | 22563.89 | 341.67 | 22222.22 | 111111.11 |
| 32 | 2027-12 | 22506.94 | 284.72 | 22222.22 | 88888.89 |
| 33 | 2028-01 | 22450.00 | 227.78 | 22222.22 | 66666.67 |
| 34 | 2028-02 | 22393.06 | 170.83 | 22222.22 | 44444.44 |
| 35 | 2028-03 | 22336.11 | 113.89 | 22222.22 | 22222.22 |
| 36 | 2028-04 | 22279.17 | 56.94 | 22222.22 | 0.00 |