贷款48.7万（公积金贷款）房贷，还款2年4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：48.7万
还款月数：2年4个月
每月还款：18084.2元
利息总额：1.94万
本息合计：50.64万
| 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 | 18084.20 | 1318.96 | 16765.24 | 470234.76 |
| 2 | 2025-06 | 18084.20 | 1273.55 | 16810.65 | 453424.11 |
| 3 | 2025-07 | 18084.20 | 1228.02 | 16856.18 | 436567.93 |
| 4 | 2025-08 | 18084.20 | 1182.37 | 16901.83 | 419666.10 |
| 5 | 2025-09 | 18084.20 | 1136.60 | 16947.61 | 402718.49 |
| 6 | 2025-10 | 18084.20 | 1090.70 | 16993.51 | 385724.99 |
| 7 | 2025-11 | 18084.20 | 1044.67 | 17039.53 | 368685.46 |
| 8 | 2025-12 | 18084.20 | 998.52 | 17085.68 | 351599.78 |
| 9 | 2026-01 | 18084.20 | 952.25 | 17131.95 | 334467.83 |
| 10 | 2026-02 | 18084.20 | 905.85 | 17178.35 | 317289.48 |
| 11 | 2026-03 | 18084.20 | 859.33 | 17224.88 | 300064.60 |
| 12 | 2026-04 | 18084.20 | 812.67 | 17271.53 | 282793.07 |
| 13 | 2026-05 | 18084.20 | 765.90 | 17318.30 | 265474.77 |
| 14 | 2026-06 | 18084.20 | 718.99 | 17365.21 | 248109.56 |
| 15 | 2026-07 | 18084.20 | 671.96 | 17412.24 | 230697.33 |
| 16 | 2026-08 | 18084.20 | 624.81 | 17459.40 | 213237.93 |
| 17 | 2026-09 | 18084.20 | 577.52 | 17506.68 | 195731.25 |
| 18 | 2026-10 | 18084.20 | 530.11 | 17554.10 | 178177.15 |
| 19 | 2026-11 | 18084.20 | 482.56 | 17601.64 | 160575.51 |
| 20 | 2026-12 | 18084.20 | 434.89 | 17649.31 | 142926.20 |
| 21 | 2027-01 | 18084.20 | 387.09 | 17697.11 | 125229.09 |
| 22 | 2027-02 | 18084.20 | 339.16 | 17745.04 | 107484.05 |
| 23 | 2027-03 | 18084.20 | 291.10 | 17793.10 | 89690.95 |
| 24 | 2027-04 | 18084.20 | 242.91 | 17841.29 | 71849.67 |
| 25 | 2027-05 | 18084.20 | 194.59 | 17889.61 | 53960.06 |
| 26 | 2027-06 | 18084.20 | 146.14 | 17938.06 | 36022.00 |
| 27 | 2027-07 | 18084.20 | 97.56 | 17986.64 | 18035.36 |
| 28 | 2027-08 | 18084.20 | 48.85 | 18035.36 | 0.00 |
等额本金还款方式：
贷款总额：48.7万
还款月数：2年4个月
首月还款：18711.82元
每月递减：47.11元
利息总额：1.91万
本息合计：50.61万
节省利息：232.75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 | 18711.82 | 1318.96 | 17392.86 | 469607.14 |
| 2 | 2025-06 | 18664.71 | 1271.85 | 17392.86 | 452214.29 |
| 3 | 2025-07 | 18617.60 | 1224.75 | 17392.86 | 434821.43 |
| 4 | 2025-08 | 18570.50 | 1177.64 | 17392.86 | 417428.57 |
| 5 | 2025-09 | 18523.39 | 1130.54 | 17392.86 | 400035.71 |
| 6 | 2025-10 | 18476.29 | 1083.43 | 17392.86 | 382642.86 |
| 7 | 2025-11 | 18429.18 | 1036.32 | 17392.86 | 365250.00 |
| 8 | 2025-12 | 18382.08 | 989.22 | 17392.86 | 347857.14 |
| 9 | 2026-01 | 18334.97 | 942.11 | 17392.86 | 330464.29 |
| 10 | 2026-02 | 18287.86 | 895.01 | 17392.86 | 313071.43 |
| 11 | 2026-03 | 18240.76 | 847.90 | 17392.86 | 295678.57 |
| 12 | 2026-04 | 18193.65 | 800.80 | 17392.86 | 278285.71 |
| 13 | 2026-05 | 18146.55 | 753.69 | 17392.86 | 260892.86 |
| 14 | 2026-06 | 18099.44 | 706.58 | 17392.86 | 243500.00 |
| 15 | 2026-07 | 18052.34 | 659.48 | 17392.86 | 226107.14 |
| 16 | 2026-08 | 18005.23 | 612.37 | 17392.86 | 208714.29 |
| 17 | 2026-09 | 17958.13 | 565.27 | 17392.86 | 191321.43 |
| 18 | 2026-10 | 17911.02 | 518.16 | 17392.86 | 173928.57 |
| 19 | 2026-11 | 17863.91 | 471.06 | 17392.86 | 156535.71 |
| 20 | 2026-12 | 17816.81 | 423.95 | 17392.86 | 139142.86 |
| 21 | 2027-01 | 17769.70 | 376.85 | 17392.86 | 121750.00 |
| 22 | 2027-02 | 17722.60 | 329.74 | 17392.86 | 104357.14 |
| 23 | 2027-03 | 17675.49 | 282.63 | 17392.86 | 86964.29 |
| 24 | 2027-04 | 17628.39 | 235.53 | 17392.86 | 69571.43 |
| 25 | 2027-05 | 17581.28 | 188.42 | 17392.86 | 52178.57 |
| 26 | 2027-06 | 17534.17 | 141.32 | 17392.86 | 34785.71 |
| 27 | 2027-07 | 17487.07 | 94.21 | 17392.86 | 17392.86 |
| 28 | 2027-08 | 17439.96 | 47.11 | 17392.86 | 0.00 |