贷款8.85万（公积金贷款）房贷，还款3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：8.85万
还款月数：3年4个月
每月还款：2323.01元
利息总额：4377.4元
本息合计：9.29万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 2323.01 | 210.29 | 2112.72 | 86430.28 |
| 2 | 2025-07 | 2323.01 | 205.27 | 2117.74 | 84312.54 |
| 3 | 2025-08 | 2323.01 | 200.24 | 2122.77 | 82189.77 |
| 4 | 2025-09 | 2323.01 | 195.20 | 2127.81 | 80061.96 |
| 5 | 2025-10 | 2323.01 | 190.15 | 2132.86 | 77929.10 |
| 6 | 2025-11 | 2323.01 | 185.08 | 2137.93 | 75791.17 |
| 7 | 2025-12 | 2323.01 | 180.00 | 2143.01 | 73648.17 |
| 8 | 2026-01 | 2323.01 | 174.91 | 2148.10 | 71500.07 |
| 9 | 2026-02 | 2323.01 | 169.81 | 2153.20 | 69346.87 |
| 10 | 2026-03 | 2323.01 | 164.70 | 2158.31 | 67188.56 |
| 11 | 2026-04 | 2323.01 | 159.57 | 2163.44 | 65025.13 |
| 12 | 2026-05 | 2323.01 | 154.43 | 2168.58 | 62856.55 |
| 13 | 2026-06 | 2323.01 | 149.28 | 2173.73 | 60682.83 |
| 14 | 2026-07 | 2323.01 | 144.12 | 2178.89 | 58503.94 |
| 15 | 2026-08 | 2323.01 | 138.95 | 2184.06 | 56319.87 |
| 16 | 2026-09 | 2323.01 | 133.76 | 2189.25 | 54130.62 |
| 17 | 2026-10 | 2323.01 | 128.56 | 2194.45 | 51936.17 |
| 18 | 2026-11 | 2323.01 | 123.35 | 2199.66 | 49736.51 |
| 19 | 2026-12 | 2323.01 | 118.12 | 2204.89 | 47531.63 |
| 20 | 2027-01 | 2323.01 | 112.89 | 2210.12 | 45321.50 |
| 21 | 2027-02 | 2323.01 | 107.64 | 2215.37 | 43106.13 |
| 22 | 2027-03 | 2323.01 | 102.38 | 2220.63 | 40885.50 |
| 23 | 2027-04 | 2323.01 | 97.10 | 2225.91 | 38659.59 |
| 24 | 2027-05 | 2323.01 | 91.82 | 2231.19 | 36428.40 |
| 25 | 2027-06 | 2323.01 | 86.52 | 2236.49 | 34191.91 |
| 26 | 2027-07 | 2323.01 | 81.21 | 2241.80 | 31950.10 |
| 27 | 2027-08 | 2323.01 | 75.88 | 2247.13 | 29702.97 |
| 28 | 2027-09 | 2323.01 | 70.54 | 2252.47 | 27450.51 |
| 29 | 2027-10 | 2323.01 | 65.19 | 2257.82 | 25192.69 |
| 30 | 2027-11 | 2323.01 | 59.83 | 2263.18 | 22929.52 |
| 31 | 2027-12 | 2323.01 | 54.46 | 2268.55 | 20660.96 |
| 32 | 2028-01 | 2323.01 | 49.07 | 2273.94 | 18387.02 |
| 33 | 2028-02 | 2323.01 | 43.67 | 2279.34 | 16107.68 |
| 34 | 2028-03 | 2323.01 | 38.26 | 2284.75 | 13822.93 |
| 35 | 2028-04 | 2323.01 | 32.83 | 2290.18 | 11532.75 |
| 36 | 2028-05 | 2323.01 | 27.39 | 2295.62 | 9237.13 |
| 37 | 2028-06 | 2323.01 | 21.94 | 2301.07 | 6936.06 |
| 38 | 2028-07 | 2323.01 | 16.47 | 2306.54 | 4629.52 |
| 39 | 2028-08 | 2323.01 | 11.00 | 2312.01 | 2317.51 |
| 40 | 2028-09 | 2323.01 | 5.50 | 2317.51 | 0.00 |
等额本金还款方式：
贷款总额：8.85万
还款月数：3年4个月
首月还款：2423.86元
每月递减：5.26元
利息总额：4310.94元
本息合计：9.29万
节省利息：66.46元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 2423.86 | 210.29 | 2213.57 | 86329.43 |
| 2 | 2025-07 | 2418.61 | 205.03 | 2213.57 | 84115.85 |
| 3 | 2025-08 | 2413.35 | 199.78 | 2213.57 | 81902.27 |
| 4 | 2025-09 | 2408.09 | 194.52 | 2213.57 | 79688.70 |
| 5 | 2025-10 | 2402.84 | 189.26 | 2213.57 | 77475.13 |
| 6 | 2025-11 | 2397.58 | 184.00 | 2213.57 | 75261.55 |
| 7 | 2025-12 | 2392.32 | 178.75 | 2213.57 | 73047.98 |
| 8 | 2026-01 | 2387.06 | 173.49 | 2213.57 | 70834.40 |
| 9 | 2026-02 | 2381.81 | 168.23 | 2213.57 | 68620.82 |
| 10 | 2026-03 | 2376.55 | 162.97 | 2213.57 | 66407.25 |
| 11 | 2026-04 | 2371.29 | 157.72 | 2213.57 | 64193.68 |
| 12 | 2026-05 | 2366.03 | 152.46 | 2213.57 | 61980.10 |
| 13 | 2026-06 | 2360.78 | 147.20 | 2213.57 | 59766.53 |
| 14 | 2026-07 | 2355.52 | 141.95 | 2213.57 | 57552.95 |
| 15 | 2026-08 | 2350.26 | 136.69 | 2213.57 | 55339.38 |
| 16 | 2026-09 | 2345.01 | 131.43 | 2213.57 | 53125.80 |
| 17 | 2026-10 | 2339.75 | 126.17 | 2213.57 | 50912.23 |
| 18 | 2026-11 | 2334.49 | 120.92 | 2213.57 | 48698.65 |
| 19 | 2026-12 | 2329.23 | 115.66 | 2213.57 | 46485.08 |
| 20 | 2027-01 | 2323.98 | 110.40 | 2213.57 | 44271.50 |
| 21 | 2027-02 | 2318.72 | 105.14 | 2213.57 | 42057.93 |
| 22 | 2027-03 | 2313.46 | 99.89 | 2213.57 | 39844.35 |
| 23 | 2027-04 | 2308.21 | 94.63 | 2213.57 | 37630.78 |
| 24 | 2027-05 | 2302.95 | 89.37 | 2213.57 | 35417.20 |
| 25 | 2027-06 | 2297.69 | 84.12 | 2213.57 | 33203.63 |
| 26 | 2027-07 | 2292.43 | 78.86 | 2213.57 | 30990.05 |
| 27 | 2027-08 | 2287.18 | 73.60 | 2213.57 | 28776.48 |
| 28 | 2027-09 | 2281.92 | 68.34 | 2213.57 | 26562.90 |
| 29 | 2027-10 | 2276.66 | 63.09 | 2213.57 | 24349.33 |
| 30 | 2027-11 | 2271.40 | 57.83 | 2213.57 | 22135.75 |
| 31 | 2027-12 | 2266.15 | 52.57 | 2213.57 | 19922.18 |
| 32 | 2028-01 | 2260.89 | 47.32 | 2213.57 | 17708.60 |
| 33 | 2028-02 | 2255.63 | 42.06 | 2213.57 | 15495.03 |
| 34 | 2028-03 | 2250.38 | 36.80 | 2213.57 | 13281.45 |
| 35 | 2028-04 | 2245.12 | 31.54 | 2213.57 | 11067.88 |
| 36 | 2028-05 | 2239.86 | 26.29 | 2213.57 | 8854.30 |
| 37 | 2028-06 | 2234.60 | 21.03 | 2213.57 | 6640.73 |
| 38 | 2028-07 | 2229.35 | 15.77 | 2213.57 | 4427.15 |
| 39 | 2028-08 | 2224.09 | 10.51 | 2213.57 | 2213.58 |
| 40 | 2028-09 | 2218.83 | 5.26 | 2213.57 | 0.00 |