贷款8.02万（公积金贷款）房贷，还款3年3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：8.02万
还款月数：3年3个月
每月还款：2156.5元
利息总额：3868.41元
本息合计：8.41万
| 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 | 2156.50 | 190.56 | 1965.94 | 78269.06 |
| 2 | 2025-07 | 2156.50 | 185.89 | 1970.61 | 76298.45 |
| 3 | 2025-08 | 2156.50 | 181.21 | 1975.29 | 74323.16 |
| 4 | 2025-09 | 2156.50 | 176.52 | 1979.98 | 72343.18 |
| 5 | 2025-10 | 2156.50 | 171.82 | 1984.68 | 70358.50 |
| 6 | 2025-11 | 2156.50 | 167.10 | 1989.40 | 68369.10 |
| 7 | 2025-12 | 2156.50 | 162.38 | 1994.12 | 66374.98 |
| 8 | 2026-01 | 2156.50 | 157.64 | 1998.86 | 64376.13 |
| 9 | 2026-02 | 2156.50 | 152.89 | 2003.60 | 62372.52 |
| 10 | 2026-03 | 2156.50 | 148.13 | 2008.36 | 60364.16 |
| 11 | 2026-04 | 2156.50 | 143.36 | 2013.13 | 58351.02 |
| 12 | 2026-05 | 2156.50 | 138.58 | 2017.91 | 56333.11 |
| 13 | 2026-06 | 2156.50 | 133.79 | 2022.71 | 54310.40 |
| 14 | 2026-07 | 2156.50 | 128.99 | 2027.51 | 52282.89 |
| 15 | 2026-08 | 2156.50 | 124.17 | 2032.33 | 50250.57 |
| 16 | 2026-09 | 2156.50 | 119.35 | 2037.15 | 48213.41 |
| 17 | 2026-10 | 2156.50 | 114.51 | 2041.99 | 46171.42 |
| 18 | 2026-11 | 2156.50 | 109.66 | 2046.84 | 44124.58 |
| 19 | 2026-12 | 2156.50 | 104.80 | 2051.70 | 42072.88 |
| 20 | 2027-01 | 2156.50 | 99.92 | 2056.57 | 40016.31 |
| 21 | 2027-02 | 2156.50 | 95.04 | 2061.46 | 37954.85 |
| 22 | 2027-03 | 2156.50 | 90.14 | 2066.35 | 35888.49 |
| 23 | 2027-04 | 2156.50 | 85.24 | 2071.26 | 33817.23 |
| 24 | 2027-05 | 2156.50 | 80.32 | 2076.18 | 31741.05 |
| 25 | 2027-06 | 2156.50 | 75.38 | 2081.11 | 29659.94 |
| 26 | 2027-07 | 2156.50 | 70.44 | 2086.06 | 27573.88 |
| 27 | 2027-08 | 2156.50 | 65.49 | 2091.01 | 25482.87 |
| 28 | 2027-09 | 2156.50 | 60.52 | 2095.98 | 23386.89 |
| 29 | 2027-10 | 2156.50 | 55.54 | 2100.95 | 21285.94 |
| 30 | 2027-11 | 2156.50 | 50.55 | 2105.94 | 19180.00 |
| 31 | 2027-12 | 2156.50 | 45.55 | 2110.95 | 17069.05 |
| 32 | 2028-01 | 2156.50 | 40.54 | 2115.96 | 14953.09 |
| 33 | 2028-02 | 2156.50 | 35.51 | 2120.98 | 12832.11 |
| 34 | 2028-03 | 2156.50 | 30.48 | 2126.02 | 10706.09 |
| 35 | 2028-04 | 2156.50 | 25.43 | 2131.07 | 8575.02 |
| 36 | 2028-05 | 2156.50 | 20.37 | 2136.13 | 6438.88 |
| 37 | 2028-06 | 2156.50 | 15.29 | 2141.21 | 4297.68 |
| 38 | 2028-07 | 2156.50 | 10.21 | 2146.29 | 2151.39 |
| 39 | 2028-08 | 2156.50 | 5.11 | 2151.39 | 0.00 |
等额本金还款方式：
贷款总额：8.02万
还款月数：3年3个月
首月还款：2247.87元
每月递减：4.89元
利息总额：3811.16元
本息合计：8.4万
节省利息：57.25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 | 2247.87 | 190.56 | 2057.31 | 78177.69 |
| 2 | 2025-07 | 2242.98 | 185.67 | 2057.31 | 76120.38 |
| 3 | 2025-08 | 2238.09 | 180.79 | 2057.31 | 74063.08 |
| 4 | 2025-09 | 2233.21 | 175.90 | 2057.31 | 72005.77 |
| 5 | 2025-10 | 2228.32 | 171.01 | 2057.31 | 69948.46 |
| 6 | 2025-11 | 2223.44 | 166.13 | 2057.31 | 67891.15 |
| 7 | 2025-12 | 2218.55 | 161.24 | 2057.31 | 65833.85 |
| 8 | 2026-01 | 2213.66 | 156.36 | 2057.31 | 63776.54 |
| 9 | 2026-02 | 2208.78 | 151.47 | 2057.31 | 61719.23 |
| 10 | 2026-03 | 2203.89 | 146.58 | 2057.31 | 59661.92 |
| 11 | 2026-04 | 2199.00 | 141.70 | 2057.31 | 57604.62 |
| 12 | 2026-05 | 2194.12 | 136.81 | 2057.31 | 55547.31 |
| 13 | 2026-06 | 2189.23 | 131.92 | 2057.31 | 53490.00 |
| 14 | 2026-07 | 2184.35 | 127.04 | 2057.31 | 51432.69 |
| 15 | 2026-08 | 2179.46 | 122.15 | 2057.31 | 49375.38 |
| 16 | 2026-09 | 2174.57 | 117.27 | 2057.31 | 47318.08 |
| 17 | 2026-10 | 2169.69 | 112.38 | 2057.31 | 45260.77 |
| 18 | 2026-11 | 2164.80 | 107.49 | 2057.31 | 43203.46 |
| 19 | 2026-12 | 2159.92 | 102.61 | 2057.31 | 41146.15 |
| 20 | 2027-01 | 2155.03 | 97.72 | 2057.31 | 39088.85 |
| 21 | 2027-02 | 2150.14 | 92.84 | 2057.31 | 37031.54 |
| 22 | 2027-03 | 2145.26 | 87.95 | 2057.31 | 34974.23 |
| 23 | 2027-04 | 2140.37 | 83.06 | 2057.31 | 32916.92 |
| 24 | 2027-05 | 2135.49 | 78.18 | 2057.31 | 30859.62 |
| 25 | 2027-06 | 2130.60 | 73.29 | 2057.31 | 28802.31 |
| 26 | 2027-07 | 2125.71 | 68.41 | 2057.31 | 26745.00 |
| 27 | 2027-08 | 2120.83 | 63.52 | 2057.31 | 24687.69 |
| 28 | 2027-09 | 2115.94 | 58.63 | 2057.31 | 22630.38 |
| 29 | 2027-10 | 2111.05 | 53.75 | 2057.31 | 20573.08 |
| 30 | 2027-11 | 2106.17 | 48.86 | 2057.31 | 18515.77 |
| 31 | 2027-12 | 2101.28 | 43.97 | 2057.31 | 16458.46 |
| 32 | 2028-01 | 2096.40 | 39.09 | 2057.31 | 14401.15 |
| 33 | 2028-02 | 2091.51 | 34.20 | 2057.31 | 12343.85 |
| 34 | 2028-03 | 2086.62 | 29.32 | 2057.31 | 10286.54 |
| 35 | 2028-04 | 2081.74 | 24.43 | 2057.31 | 8229.23 |
| 36 | 2028-05 | 2076.85 | 19.54 | 2057.31 | 6171.92 |
| 37 | 2028-06 | 2071.97 | 14.66 | 2057.31 | 4114.62 |
| 38 | 2028-07 | 2067.08 | 9.77 | 2057.31 | 2057.31 |
| 39 | 2028-08 | 2062.19 | 4.89 | 2057.31 | 0.00 |