贷款9.02万（公积金贷款）房贷，还款3年9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：9.02万
还款月数：3年9个月
每月还款：2116.66元
利息总额：5014.82元
本息合计：9.52万
| 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 | 2116.66 | 214.31 | 1902.35 | 88332.65 |
| 2 | 2025-07 | 2116.66 | 209.79 | 1906.87 | 86425.77 |
| 3 | 2025-08 | 2116.66 | 205.26 | 1911.40 | 84514.37 |
| 4 | 2025-09 | 2116.66 | 200.72 | 1915.94 | 82598.43 |
| 5 | 2025-10 | 2116.66 | 196.17 | 1920.49 | 80677.94 |
| 6 | 2025-11 | 2116.66 | 191.61 | 1925.05 | 78752.89 |
| 7 | 2025-12 | 2116.66 | 187.04 | 1929.62 | 76823.26 |
| 8 | 2026-01 | 2116.66 | 182.46 | 1934.21 | 74889.05 |
| 9 | 2026-02 | 2116.66 | 177.86 | 1938.80 | 72950.25 |
| 10 | 2026-03 | 2116.66 | 173.26 | 1943.41 | 71006.85 |
| 11 | 2026-04 | 2116.66 | 168.64 | 1948.02 | 69058.83 |
| 12 | 2026-05 | 2116.66 | 164.01 | 1952.65 | 67106.18 |
| 13 | 2026-06 | 2116.66 | 159.38 | 1957.29 | 65148.89 |
| 14 | 2026-07 | 2116.66 | 154.73 | 1961.93 | 63186.96 |
| 15 | 2026-08 | 2116.66 | 150.07 | 1966.59 | 61220.37 |
| 16 | 2026-09 | 2116.66 | 145.40 | 1971.26 | 59249.10 |
| 17 | 2026-10 | 2116.66 | 140.72 | 1975.95 | 57273.16 |
| 18 | 2026-11 | 2116.66 | 136.02 | 1980.64 | 55292.52 |
| 19 | 2026-12 | 2116.66 | 131.32 | 1985.34 | 53307.17 |
| 20 | 2027-01 | 2116.66 | 126.60 | 1990.06 | 51317.12 |
| 21 | 2027-02 | 2116.66 | 121.88 | 1994.78 | 49322.33 |
| 22 | 2027-03 | 2116.66 | 117.14 | 1999.52 | 47322.81 |
| 23 | 2027-04 | 2116.66 | 112.39 | 2004.27 | 45318.54 |
| 24 | 2027-05 | 2116.66 | 107.63 | 2009.03 | 43309.51 |
| 25 | 2027-06 | 2116.66 | 102.86 | 2013.80 | 41295.70 |
| 26 | 2027-07 | 2116.66 | 98.08 | 2018.59 | 39277.12 |
| 27 | 2027-08 | 2116.66 | 93.28 | 2023.38 | 37253.74 |
| 28 | 2027-09 | 2116.66 | 88.48 | 2028.18 | 35225.56 |
| 29 | 2027-10 | 2116.66 | 83.66 | 2033.00 | 33192.55 |
| 30 | 2027-11 | 2116.66 | 78.83 | 2037.83 | 31154.72 |
| 31 | 2027-12 | 2116.66 | 73.99 | 2042.67 | 29112.05 |
| 32 | 2028-01 | 2116.66 | 69.14 | 2047.52 | 27064.53 |
| 33 | 2028-02 | 2116.66 | 64.28 | 2052.38 | 25012.15 |
| 34 | 2028-03 | 2116.66 | 59.40 | 2057.26 | 22954.89 |
| 35 | 2028-04 | 2116.66 | 54.52 | 2062.14 | 20892.74 |
| 36 | 2028-05 | 2116.66 | 49.62 | 2067.04 | 18825.70 |
| 37 | 2028-06 | 2116.66 | 44.71 | 2071.95 | 16753.75 |
| 38 | 2028-07 | 2116.66 | 39.79 | 2076.87 | 14676.88 |
| 39 | 2028-08 | 2116.66 | 34.86 | 2081.81 | 12595.07 |
| 40 | 2028-09 | 2116.66 | 29.91 | 2086.75 | 10508.32 |
| 41 | 2028-10 | 2116.66 | 24.96 | 2091.71 | 8416.62 |
| 42 | 2028-11 | 2116.66 | 19.99 | 2096.67 | 6319.94 |
| 43 | 2028-12 | 2116.66 | 15.01 | 2101.65 | 4218.29 |
| 44 | 2029-01 | 2116.66 | 10.02 | 2106.64 | 2111.65 |
| 45 | 2029-02 | 2116.66 | 5.02 | 2111.65 | 0.00 |
等额本金还款方式：
贷款总额：9.02万
还款月数：3年9个月
首月还款：2219.53元
每月递减：4.76元
利息总额：4929.09元
本息合计：9.52万
节省利息：85.73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 | 2219.53 | 214.31 | 2005.22 | 88229.78 |
| 2 | 2025-07 | 2214.77 | 209.55 | 2005.22 | 86224.56 |
| 3 | 2025-08 | 2210.01 | 204.78 | 2005.22 | 84219.33 |
| 4 | 2025-09 | 2205.24 | 200.02 | 2005.22 | 82214.11 |
| 5 | 2025-10 | 2200.48 | 195.26 | 2005.22 | 80208.89 |
| 6 | 2025-11 | 2195.72 | 190.50 | 2005.22 | 78203.67 |
| 7 | 2025-12 | 2190.96 | 185.73 | 2005.22 | 76198.44 |
| 8 | 2026-01 | 2186.19 | 180.97 | 2005.22 | 74193.22 |
| 9 | 2026-02 | 2181.43 | 176.21 | 2005.22 | 72188.00 |
| 10 | 2026-03 | 2176.67 | 171.45 | 2005.22 | 70182.78 |
| 11 | 2026-04 | 2171.91 | 166.68 | 2005.22 | 68177.56 |
| 12 | 2026-05 | 2167.14 | 161.92 | 2005.22 | 66172.33 |
| 13 | 2026-06 | 2162.38 | 157.16 | 2005.22 | 64167.11 |
| 14 | 2026-07 | 2157.62 | 152.40 | 2005.22 | 62161.89 |
| 15 | 2026-08 | 2152.86 | 147.63 | 2005.22 | 60156.67 |
| 16 | 2026-09 | 2148.09 | 142.87 | 2005.22 | 58151.44 |
| 17 | 2026-10 | 2143.33 | 138.11 | 2005.22 | 56146.22 |
| 18 | 2026-11 | 2138.57 | 133.35 | 2005.22 | 54141.00 |
| 19 | 2026-12 | 2133.81 | 128.58 | 2005.22 | 52135.78 |
| 20 | 2027-01 | 2129.04 | 123.82 | 2005.22 | 50130.56 |
| 21 | 2027-02 | 2124.28 | 119.06 | 2005.22 | 48125.33 |
| 22 | 2027-03 | 2119.52 | 114.30 | 2005.22 | 46120.11 |
| 23 | 2027-04 | 2114.76 | 109.54 | 2005.22 | 44114.89 |
| 24 | 2027-05 | 2110.00 | 104.77 | 2005.22 | 42109.67 |
| 25 | 2027-06 | 2105.23 | 100.01 | 2005.22 | 40104.44 |
| 26 | 2027-07 | 2100.47 | 95.25 | 2005.22 | 38099.22 |
| 27 | 2027-08 | 2095.71 | 90.49 | 2005.22 | 36094.00 |
| 28 | 2027-09 | 2090.95 | 85.72 | 2005.22 | 34088.78 |
| 29 | 2027-10 | 2086.18 | 80.96 | 2005.22 | 32083.56 |
| 30 | 2027-11 | 2081.42 | 76.20 | 2005.22 | 30078.33 |
| 31 | 2027-12 | 2076.66 | 71.44 | 2005.22 | 28073.11 |
| 32 | 2028-01 | 2071.90 | 66.67 | 2005.22 | 26067.89 |
| 33 | 2028-02 | 2067.13 | 61.91 | 2005.22 | 24062.67 |
| 34 | 2028-03 | 2062.37 | 57.15 | 2005.22 | 22057.44 |
| 35 | 2028-04 | 2057.61 | 52.39 | 2005.22 | 20052.22 |
| 36 | 2028-05 | 2052.85 | 47.62 | 2005.22 | 18047.00 |
| 37 | 2028-06 | 2048.08 | 42.86 | 2005.22 | 16041.78 |
| 38 | 2028-07 | 2043.32 | 38.10 | 2005.22 | 14036.56 |
| 39 | 2028-08 | 2038.56 | 33.34 | 2005.22 | 12031.33 |
| 40 | 2028-09 | 2033.80 | 28.57 | 2005.22 | 10026.11 |
| 41 | 2028-10 | 2029.03 | 23.81 | 2005.22 | 8020.89 |
| 42 | 2028-11 | 2024.27 | 19.05 | 2005.22 | 6015.67 |
| 43 | 2028-12 | 2019.51 | 14.29 | 2005.22 | 4010.44 |
| 44 | 2029-01 | 2014.75 | 9.52 | 2005.22 | 2005.22 |
| 45 | 2029-02 | 2009.98 | 4.76 | 2005.22 | 0.00 |