贷款9.02万（公积金贷款）房贷，还款3年8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8个月
每月还款：2162.25元
利息总额：4903.89元
本息合计：9.51万
| 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 | 2162.25 | 214.31 | 1947.94 | 88287.06 |
| 2 | 2025-07 | 2162.25 | 209.68 | 1952.57 | 86334.49 |
| 3 | 2025-08 | 2162.25 | 205.04 | 1957.20 | 84377.29 |
| 4 | 2025-09 | 2162.25 | 200.40 | 1961.85 | 82415.44 |
| 5 | 2025-10 | 2162.25 | 195.74 | 1966.51 | 80448.93 |
| 6 | 2025-11 | 2162.25 | 191.07 | 1971.18 | 78477.75 |
| 7 | 2025-12 | 2162.25 | 186.38 | 1975.86 | 76501.88 |
| 8 | 2026-01 | 2162.25 | 181.69 | 1980.56 | 74521.33 |
| 9 | 2026-02 | 2162.25 | 176.99 | 1985.26 | 72536.07 |
| 10 | 2026-03 | 2162.25 | 172.27 | 1989.97 | 70546.10 |
| 11 | 2026-04 | 2162.25 | 167.55 | 1994.70 | 68551.39 |
| 12 | 2026-05 | 2162.25 | 162.81 | 1999.44 | 66551.96 |
| 13 | 2026-06 | 2162.25 | 158.06 | 2004.19 | 64547.77 |
| 14 | 2026-07 | 2162.25 | 153.30 | 2008.95 | 62538.82 |
| 15 | 2026-08 | 2162.25 | 148.53 | 2013.72 | 60525.11 |
| 16 | 2026-09 | 2162.25 | 143.75 | 2018.50 | 58506.61 |
| 17 | 2026-10 | 2162.25 | 138.95 | 2023.29 | 56483.31 |
| 18 | 2026-11 | 2162.25 | 134.15 | 2028.10 | 54455.21 |
| 19 | 2026-12 | 2162.25 | 129.33 | 2032.92 | 52422.29 |
| 20 | 2027-01 | 2162.25 | 124.50 | 2037.74 | 50384.55 |
| 21 | 2027-02 | 2162.25 | 119.66 | 2042.58 | 48341.97 |
| 22 | 2027-03 | 2162.25 | 114.81 | 2047.44 | 46294.53 |
| 23 | 2027-04 | 2162.25 | 109.95 | 2052.30 | 44242.23 |
| 24 | 2027-05 | 2162.25 | 105.08 | 2057.17 | 42185.06 |
| 25 | 2027-06 | 2162.25 | 100.19 | 2062.06 | 40123.00 |
| 26 | 2027-07 | 2162.25 | 95.29 | 2066.96 | 38056.05 |
| 27 | 2027-08 | 2162.25 | 90.38 | 2071.86 | 35984.18 |
| 28 | 2027-09 | 2162.25 | 85.46 | 2076.79 | 33907.40 |
| 29 | 2027-10 | 2162.25 | 80.53 | 2081.72 | 31825.68 |
| 30 | 2027-11 | 2162.25 | 75.59 | 2086.66 | 29739.02 |
| 31 | 2027-12 | 2162.25 | 70.63 | 2091.62 | 27647.40 |
| 32 | 2028-01 | 2162.25 | 65.66 | 2096.59 | 25550.81 |
| 33 | 2028-02 | 2162.25 | 60.68 | 2101.56 | 23449.25 |
| 34 | 2028-03 | 2162.25 | 55.69 | 2106.56 | 21342.69 |
| 35 | 2028-04 | 2162.25 | 50.69 | 2111.56 | 19231.14 |
| 36 | 2028-05 | 2162.25 | 45.67 | 2116.57 | 17114.56 |
| 37 | 2028-06 | 2162.25 | 40.65 | 2121.60 | 14992.96 |
| 38 | 2028-07 | 2162.25 | 35.61 | 2126.64 | 12866.32 |
| 39 | 2028-08 | 2162.25 | 30.56 | 2131.69 | 10734.63 |
| 40 | 2028-09 | 2162.25 | 25.49 | 2136.75 | 8597.88 |
| 41 | 2028-10 | 2162.25 | 20.42 | 2141.83 | 6456.05 |
| 42 | 2028-11 | 2162.25 | 15.33 | 2146.91 | 4309.14 |
| 43 | 2028-12 | 2162.25 | 10.23 | 2152.01 | 2157.12 |
| 44 | 2029-01 | 2162.25 | 5.12 | 2157.12 | 0.00 |
等额本金还款方式：
贷款总额：9.02万
还款月数：3年8个月
首月还款：2265.1元
每月递减：4.87元
利息总额：4821.93元
本息合计：9.51万
节省利息：81.96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 | 2265.10 | 214.31 | 2050.80 | 88184.20 |
| 2 | 2025-07 | 2260.23 | 209.44 | 2050.80 | 86133.41 |
| 3 | 2025-08 | 2255.36 | 204.57 | 2050.80 | 84082.61 |
| 4 | 2025-09 | 2250.49 | 199.70 | 2050.80 | 82031.82 |
| 5 | 2025-10 | 2245.62 | 194.83 | 2050.80 | 79981.02 |
| 6 | 2025-11 | 2240.75 | 189.95 | 2050.80 | 77930.23 |
| 7 | 2025-12 | 2235.88 | 185.08 | 2050.80 | 75879.43 |
| 8 | 2026-01 | 2231.01 | 180.21 | 2050.80 | 73828.64 |
| 9 | 2026-02 | 2226.14 | 175.34 | 2050.80 | 71777.84 |
| 10 | 2026-03 | 2221.27 | 170.47 | 2050.80 | 69727.05 |
| 11 | 2026-04 | 2216.40 | 165.60 | 2050.80 | 67676.25 |
| 12 | 2026-05 | 2211.53 | 160.73 | 2050.80 | 65625.45 |
| 13 | 2026-06 | 2206.66 | 155.86 | 2050.80 | 63574.66 |
| 14 | 2026-07 | 2201.79 | 150.99 | 2050.80 | 61523.86 |
| 15 | 2026-08 | 2196.91 | 146.12 | 2050.80 | 59473.07 |
| 16 | 2026-09 | 2192.04 | 141.25 | 2050.80 | 57422.27 |
| 17 | 2026-10 | 2187.17 | 136.38 | 2050.80 | 55371.48 |
| 18 | 2026-11 | 2182.30 | 131.51 | 2050.80 | 53320.68 |
| 19 | 2026-12 | 2177.43 | 126.64 | 2050.80 | 51269.89 |
| 20 | 2027-01 | 2172.56 | 121.77 | 2050.80 | 49219.09 |
| 21 | 2027-02 | 2167.69 | 116.90 | 2050.80 | 47168.30 |
| 22 | 2027-03 | 2162.82 | 112.02 | 2050.80 | 45117.50 |
| 23 | 2027-04 | 2157.95 | 107.15 | 2050.80 | 43066.70 |
| 24 | 2027-05 | 2153.08 | 102.28 | 2050.80 | 41015.91 |
| 25 | 2027-06 | 2148.21 | 97.41 | 2050.80 | 38965.11 |
| 26 | 2027-07 | 2143.34 | 92.54 | 2050.80 | 36914.32 |
| 27 | 2027-08 | 2138.47 | 87.67 | 2050.80 | 34863.52 |
| 28 | 2027-09 | 2133.60 | 82.80 | 2050.80 | 32812.73 |
| 29 | 2027-10 | 2128.73 | 77.93 | 2050.80 | 30761.93 |
| 30 | 2027-11 | 2123.86 | 73.06 | 2050.80 | 28711.14 |
| 31 | 2027-12 | 2118.98 | 68.19 | 2050.80 | 26660.34 |
| 32 | 2028-01 | 2114.11 | 63.32 | 2050.80 | 24609.55 |
| 33 | 2028-02 | 2109.24 | 58.45 | 2050.80 | 22558.75 |
| 34 | 2028-03 | 2104.37 | 53.58 | 2050.80 | 20507.95 |
| 35 | 2028-04 | 2099.50 | 48.71 | 2050.80 | 18457.16 |
| 36 | 2028-05 | 2094.63 | 43.84 | 2050.80 | 16406.36 |
| 37 | 2028-06 | 2089.76 | 38.97 | 2050.80 | 14355.57 |
| 38 | 2028-07 | 2084.89 | 34.09 | 2050.80 | 12304.77 |
| 39 | 2028-08 | 2080.02 | 29.22 | 2050.80 | 10253.98 |
| 40 | 2028-09 | 2075.15 | 24.35 | 2050.80 | 8203.18 |
| 41 | 2028-10 | 2070.28 | 19.48 | 2050.80 | 6152.39 |
| 42 | 2028-11 | 2065.41 | 14.61 | 2050.80 | 4101.59 |
| 43 | 2028-12 | 2060.54 | 9.74 | 2050.80 | 2050.80 |
| 44 | 2029-01 | 2055.67 | 4.87 | 2050.80 | 0.00 |