贷款9.02万（公积金贷款）房贷，还款3年6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6个月
每月还款：2259.94元
利息总额：4682.3元
本息合计：9.49万
| 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 | 2259.94 | 214.31 | 2045.63 | 88189.37 |
| 2 | 2025-07 | 2259.94 | 209.45 | 2050.49 | 86138.89 |
| 3 | 2025-08 | 2259.94 | 204.58 | 2055.36 | 84083.53 |
| 4 | 2025-09 | 2259.94 | 199.70 | 2060.24 | 82023.29 |
| 5 | 2025-10 | 2259.94 | 194.81 | 2065.13 | 79958.16 |
| 6 | 2025-11 | 2259.94 | 189.90 | 2070.04 | 77888.13 |
| 7 | 2025-12 | 2259.94 | 184.98 | 2074.95 | 75813.18 |
| 8 | 2026-01 | 2259.94 | 180.06 | 2079.88 | 73733.30 |
| 9 | 2026-02 | 2259.94 | 175.12 | 2084.82 | 71648.48 |
| 10 | 2026-03 | 2259.94 | 170.17 | 2089.77 | 69558.71 |
| 11 | 2026-04 | 2259.94 | 165.20 | 2094.73 | 67463.97 |
| 12 | 2026-05 | 2259.94 | 160.23 | 2099.71 | 65364.26 |
| 13 | 2026-06 | 2259.94 | 155.24 | 2104.70 | 63259.57 |
| 14 | 2026-07 | 2259.94 | 150.24 | 2109.69 | 61149.87 |
| 15 | 2026-08 | 2259.94 | 145.23 | 2114.70 | 59035.17 |
| 16 | 2026-09 | 2259.94 | 140.21 | 2119.73 | 56915.44 |
| 17 | 2026-10 | 2259.94 | 135.17 | 2124.76 | 54790.68 |
| 18 | 2026-11 | 2259.94 | 130.13 | 2129.81 | 52660.87 |
| 19 | 2026-12 | 2259.94 | 125.07 | 2134.87 | 50526.01 |
| 20 | 2027-01 | 2259.94 | 120.00 | 2139.94 | 48386.07 |
| 21 | 2027-02 | 2259.94 | 114.92 | 2145.02 | 46241.05 |
| 22 | 2027-03 | 2259.94 | 109.82 | 2150.11 | 44090.94 |
| 23 | 2027-04 | 2259.94 | 104.72 | 2155.22 | 41935.72 |
| 24 | 2027-05 | 2259.94 | 99.60 | 2160.34 | 39775.38 |
| 25 | 2027-06 | 2259.94 | 94.47 | 2165.47 | 37609.91 |
| 26 | 2027-07 | 2259.94 | 89.32 | 2170.61 | 35439.30 |
| 27 | 2027-08 | 2259.94 | 84.17 | 2175.77 | 33263.53 |
| 28 | 2027-09 | 2259.94 | 79.00 | 2180.93 | 31082.60 |
| 29 | 2027-10 | 2259.94 | 73.82 | 2186.11 | 28896.48 |
| 30 | 2027-11 | 2259.94 | 68.63 | 2191.31 | 26705.17 |
| 31 | 2027-12 | 2259.94 | 63.42 | 2196.51 | 24508.66 |
| 32 | 2028-01 | 2259.94 | 58.21 | 2201.73 | 22306.94 |
| 33 | 2028-02 | 2259.94 | 52.98 | 2206.96 | 20099.98 |
| 34 | 2028-03 | 2259.94 | 47.74 | 2212.20 | 17887.78 |
| 35 | 2028-04 | 2259.94 | 42.48 | 2217.45 | 15670.33 |
| 36 | 2028-05 | 2259.94 | 37.22 | 2222.72 | 13447.61 |
| 37 | 2028-06 | 2259.94 | 31.94 | 2228.00 | 11219.61 |
| 38 | 2028-07 | 2259.94 | 26.65 | 2233.29 | 8986.32 |
| 39 | 2028-08 | 2259.94 | 21.34 | 2238.59 | 6747.73 |
| 40 | 2028-09 | 2259.94 | 16.03 | 2243.91 | 4503.82 |
| 41 | 2028-10 | 2259.94 | 10.70 | 2249.24 | 2254.58 |
| 42 | 2028-11 | 2259.94 | 5.35 | 2254.58 | 0.00 |
等额本金还款方式：
贷款总额：9.02万
还款月数：3年6个月
首月还款：2362.76元
每月递减：5.1元
利息总额：4607.62元
本息合计：9.48万
节省利息：74.68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 | 2362.76 | 214.31 | 2148.45 | 88086.55 |
| 2 | 2025-07 | 2357.66 | 209.21 | 2148.45 | 85938.10 |
| 3 | 2025-08 | 2352.56 | 204.10 | 2148.45 | 83789.64 |
| 4 | 2025-09 | 2347.45 | 199.00 | 2148.45 | 81641.19 |
| 5 | 2025-10 | 2342.35 | 193.90 | 2148.45 | 79492.74 |
| 6 | 2025-11 | 2337.25 | 188.80 | 2148.45 | 77344.29 |
| 7 | 2025-12 | 2332.15 | 183.69 | 2148.45 | 75195.83 |
| 8 | 2026-01 | 2327.04 | 178.59 | 2148.45 | 73047.38 |
| 9 | 2026-02 | 2321.94 | 173.49 | 2148.45 | 70898.93 |
| 10 | 2026-03 | 2316.84 | 168.38 | 2148.45 | 68750.48 |
| 11 | 2026-04 | 2311.73 | 163.28 | 2148.45 | 66602.02 |
| 12 | 2026-05 | 2306.63 | 158.18 | 2148.45 | 64453.57 |
| 13 | 2026-06 | 2301.53 | 153.08 | 2148.45 | 62305.12 |
| 14 | 2026-07 | 2296.43 | 147.97 | 2148.45 | 60156.67 |
| 15 | 2026-08 | 2291.32 | 142.87 | 2148.45 | 58008.21 |
| 16 | 2026-09 | 2286.22 | 137.77 | 2148.45 | 55859.76 |
| 17 | 2026-10 | 2281.12 | 132.67 | 2148.45 | 53711.31 |
| 18 | 2026-11 | 2276.02 | 127.56 | 2148.45 | 51562.86 |
| 19 | 2026-12 | 2270.91 | 122.46 | 2148.45 | 49414.40 |
| 20 | 2027-01 | 2265.81 | 117.36 | 2148.45 | 47265.95 |
| 21 | 2027-02 | 2260.71 | 112.26 | 2148.45 | 45117.50 |
| 22 | 2027-03 | 2255.61 | 107.15 | 2148.45 | 42969.05 |
| 23 | 2027-04 | 2250.50 | 102.05 | 2148.45 | 40820.60 |
| 24 | 2027-05 | 2245.40 | 96.95 | 2148.45 | 38672.14 |
| 25 | 2027-06 | 2240.30 | 91.85 | 2148.45 | 36523.69 |
| 26 | 2027-07 | 2235.20 | 86.74 | 2148.45 | 34375.24 |
| 27 | 2027-08 | 2230.09 | 81.64 | 2148.45 | 32226.79 |
| 28 | 2027-09 | 2224.99 | 76.54 | 2148.45 | 30078.33 |
| 29 | 2027-10 | 2219.89 | 71.44 | 2148.45 | 27929.88 |
| 30 | 2027-11 | 2214.79 | 66.33 | 2148.45 | 25781.43 |
| 31 | 2027-12 | 2209.68 | 61.23 | 2148.45 | 23632.98 |
| 32 | 2028-01 | 2204.58 | 56.13 | 2148.45 | 21484.52 |
| 33 | 2028-02 | 2199.48 | 51.03 | 2148.45 | 19336.07 |
| 34 | 2028-03 | 2194.38 | 45.92 | 2148.45 | 17187.62 |
| 35 | 2028-04 | 2189.27 | 40.82 | 2148.45 | 15039.17 |
| 36 | 2028-05 | 2184.17 | 35.72 | 2148.45 | 12890.71 |
| 37 | 2028-06 | 2179.07 | 30.62 | 2148.45 | 10742.26 |
| 38 | 2028-07 | 2173.97 | 25.51 | 2148.45 | 8593.81 |
| 39 | 2028-08 | 2168.86 | 20.41 | 2148.45 | 6445.36 |
| 40 | 2028-09 | 2163.76 | 15.31 | 2148.45 | 4296.90 |
| 41 | 2028-10 | 2158.66 | 10.21 | 2148.45 | 2148.45 |
| 42 | 2028-11 | 2153.55 | 5.10 | 2148.45 | 0.00 |