贷款7万（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：7万
还款月数：3年4个月
每月还款：1836.52元
利息总额：3460.67元
本息合计：7.35万
| 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 | 1836.52 | 166.25 | 1670.27 | 68329.73 |
| 2 | 2025-07 | 1836.52 | 162.28 | 1674.23 | 66655.50 |
| 3 | 2025-08 | 1836.52 | 158.31 | 1678.21 | 64977.29 |
| 4 | 2025-09 | 1836.52 | 154.32 | 1682.20 | 63295.09 |
| 5 | 2025-10 | 1836.52 | 150.33 | 1686.19 | 61608.90 |
| 6 | 2025-11 | 1836.52 | 146.32 | 1690.20 | 59918.71 |
| 7 | 2025-12 | 1836.52 | 142.31 | 1694.21 | 58224.50 |
| 8 | 2026-01 | 1836.52 | 138.28 | 1698.23 | 56526.26 |
| 9 | 2026-02 | 1836.52 | 134.25 | 1702.27 | 54824.00 |
| 10 | 2026-03 | 1836.52 | 130.21 | 1706.31 | 53117.69 |
| 11 | 2026-04 | 1836.52 | 126.15 | 1710.36 | 51407.33 |
| 12 | 2026-05 | 1836.52 | 122.09 | 1714.42 | 49692.90 |
| 13 | 2026-06 | 1836.52 | 118.02 | 1718.50 | 47974.41 |
| 14 | 2026-07 | 1836.52 | 113.94 | 1722.58 | 46251.83 |
| 15 | 2026-08 | 1836.52 | 109.85 | 1726.67 | 44525.16 |
| 16 | 2026-09 | 1836.52 | 105.75 | 1730.77 | 42794.39 |
| 17 | 2026-10 | 1836.52 | 101.64 | 1734.88 | 41059.51 |
| 18 | 2026-11 | 1836.52 | 97.52 | 1739.00 | 39320.51 |
| 19 | 2026-12 | 1836.52 | 93.39 | 1743.13 | 37577.38 |
| 20 | 2027-01 | 1836.52 | 89.25 | 1747.27 | 35830.11 |
| 21 | 2027-02 | 1836.52 | 85.10 | 1751.42 | 34078.69 |
| 22 | 2027-03 | 1836.52 | 80.94 | 1755.58 | 32323.11 |
| 23 | 2027-04 | 1836.52 | 76.77 | 1759.75 | 30563.36 |
| 24 | 2027-05 | 1836.52 | 72.59 | 1763.93 | 28799.43 |
| 25 | 2027-06 | 1836.52 | 68.40 | 1768.12 | 27031.31 |
| 26 | 2027-07 | 1836.52 | 64.20 | 1772.32 | 25259.00 |
| 27 | 2027-08 | 1836.52 | 59.99 | 1776.53 | 23482.47 |
| 28 | 2027-09 | 1836.52 | 55.77 | 1780.75 | 21701.72 |
| 29 | 2027-10 | 1836.52 | 51.54 | 1784.98 | 19916.75 |
| 30 | 2027-11 | 1836.52 | 47.30 | 1789.21 | 18127.53 |
| 31 | 2027-12 | 1836.52 | 43.05 | 1793.46 | 16334.07 |
| 32 | 2028-01 | 1836.52 | 38.79 | 1797.72 | 14536.35 |
| 33 | 2028-02 | 1836.52 | 34.52 | 1801.99 | 12734.35 |
| 34 | 2028-03 | 1836.52 | 30.24 | 1806.27 | 10928.08 |
| 35 | 2028-04 | 1836.52 | 25.95 | 1810.56 | 9117.52 |
| 36 | 2028-05 | 1836.52 | 21.65 | 1814.86 | 7302.66 |
| 37 | 2028-06 | 1836.52 | 17.34 | 1819.17 | 5483.48 |
| 38 | 2028-07 | 1836.52 | 13.02 | 1823.49 | 3659.99 |
| 39 | 2028-08 | 1836.52 | 8.69 | 1827.82 | 1832.17 |
| 40 | 2028-09 | 1836.52 | 4.35 | 1832.17 | 0.00 |
等额本金还款方式：
贷款总额：7万
还款月数：3年4个月
首月还款：1916.25元
每月递减：4.16元
利息总额：3408.13元
本息合计：7.34万
节省利息：52.54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 | 1916.25 | 166.25 | 1750.00 | 68250.00 |
| 2 | 2025-07 | 1912.09 | 162.09 | 1750.00 | 66500.00 |
| 3 | 2025-08 | 1907.94 | 157.94 | 1750.00 | 64750.00 |
| 4 | 2025-09 | 1903.78 | 153.78 | 1750.00 | 63000.00 |
| 5 | 2025-10 | 1899.63 | 149.63 | 1750.00 | 61250.00 |
| 6 | 2025-11 | 1895.47 | 145.47 | 1750.00 | 59500.00 |
| 7 | 2025-12 | 1891.31 | 141.31 | 1750.00 | 57750.00 |
| 8 | 2026-01 | 1887.16 | 137.16 | 1750.00 | 56000.00 |
| 9 | 2026-02 | 1883.00 | 133.00 | 1750.00 | 54250.00 |
| 10 | 2026-03 | 1878.84 | 128.84 | 1750.00 | 52500.00 |
| 11 | 2026-04 | 1874.69 | 124.69 | 1750.00 | 50750.00 |
| 12 | 2026-05 | 1870.53 | 120.53 | 1750.00 | 49000.00 |
| 13 | 2026-06 | 1866.38 | 116.38 | 1750.00 | 47250.00 |
| 14 | 2026-07 | 1862.22 | 112.22 | 1750.00 | 45500.00 |
| 15 | 2026-08 | 1858.06 | 108.06 | 1750.00 | 43750.00 |
| 16 | 2026-09 | 1853.91 | 103.91 | 1750.00 | 42000.00 |
| 17 | 2026-10 | 1849.75 | 99.75 | 1750.00 | 40250.00 |
| 18 | 2026-11 | 1845.59 | 95.59 | 1750.00 | 38500.00 |
| 19 | 2026-12 | 1841.44 | 91.44 | 1750.00 | 36750.00 |
| 20 | 2027-01 | 1837.28 | 87.28 | 1750.00 | 35000.00 |
| 21 | 2027-02 | 1833.13 | 83.13 | 1750.00 | 33250.00 |
| 22 | 2027-03 | 1828.97 | 78.97 | 1750.00 | 31500.00 |
| 23 | 2027-04 | 1824.81 | 74.81 | 1750.00 | 29750.00 |
| 24 | 2027-05 | 1820.66 | 70.66 | 1750.00 | 28000.00 |
| 25 | 2027-06 | 1816.50 | 66.50 | 1750.00 | 26250.00 |
| 26 | 2027-07 | 1812.34 | 62.34 | 1750.00 | 24500.00 |
| 27 | 2027-08 | 1808.19 | 58.19 | 1750.00 | 22750.00 |
| 28 | 2027-09 | 1804.03 | 54.03 | 1750.00 | 21000.00 |
| 29 | 2027-10 | 1799.88 | 49.88 | 1750.00 | 19250.00 |
| 30 | 2027-11 | 1795.72 | 45.72 | 1750.00 | 17500.00 |
| 31 | 2027-12 | 1791.56 | 41.56 | 1750.00 | 15750.00 |
| 32 | 2028-01 | 1787.41 | 37.41 | 1750.00 | 14000.00 |
| 33 | 2028-02 | 1783.25 | 33.25 | 1750.00 | 12250.00 |
| 34 | 2028-03 | 1779.09 | 29.09 | 1750.00 | 10500.00 |
| 35 | 2028-04 | 1774.94 | 24.94 | 1750.00 | 8750.00 |
| 36 | 2028-05 | 1770.78 | 20.78 | 1750.00 | 7000.00 |
| 37 | 2028-06 | 1766.63 | 16.63 | 1750.00 | 5250.00 |
| 38 | 2028-07 | 1762.47 | 12.47 | 1750.00 | 3500.00 |
| 39 | 2028-08 | 1758.31 | 8.31 | 1750.00 | 1750.00 |
| 40 | 2028-09 | 1754.16 | 4.16 | 1750.00 | 0.00 |