贷款7.2万（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：7.2万
还款月数：3年4个月
每月还款：1882.12元
利息总额：3244.79元
本息合计：7.53万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 1882.12 | 156.09 | 1726.03 | 70313.97 |
| 2 | 2026-02 | 1882.12 | 152.35 | 1729.77 | 68584.19 |
| 3 | 2026-03 | 1882.12 | 148.60 | 1733.52 | 66850.67 |
| 4 | 2026-04 | 1882.12 | 144.84 | 1737.28 | 65113.40 |
| 5 | 2026-05 | 1882.12 | 141.08 | 1741.04 | 63372.36 |
| 6 | 2026-06 | 1882.12 | 137.31 | 1744.81 | 61627.54 |
| 7 | 2026-07 | 1882.12 | 133.53 | 1748.59 | 59878.95 |
| 8 | 2026-08 | 1882.12 | 129.74 | 1752.38 | 58126.57 |
| 9 | 2026-09 | 1882.12 | 125.94 | 1756.18 | 56370.39 |
| 10 | 2026-10 | 1882.12 | 122.14 | 1759.98 | 54610.41 |
| 11 | 2026-11 | 1882.12 | 118.32 | 1763.80 | 52846.61 |
| 12 | 2026-12 | 1882.12 | 114.50 | 1767.62 | 51078.99 |
| 13 | 2027-01 | 1882.12 | 110.67 | 1771.45 | 49307.54 |
| 14 | 2027-02 | 1882.12 | 106.83 | 1775.29 | 47532.26 |
| 15 | 2027-03 | 1882.12 | 102.99 | 1779.13 | 45753.12 |
| 16 | 2027-04 | 1882.12 | 99.13 | 1782.99 | 43970.13 |
| 17 | 2027-05 | 1882.12 | 95.27 | 1786.85 | 42183.28 |
| 18 | 2027-06 | 1882.12 | 91.40 | 1790.72 | 40392.56 |
| 19 | 2027-07 | 1882.12 | 87.52 | 1794.60 | 38597.96 |
| 20 | 2027-08 | 1882.12 | 83.63 | 1798.49 | 36799.47 |
| 21 | 2027-09 | 1882.12 | 79.73 | 1802.39 | 34997.08 |
| 22 | 2027-10 | 1882.12 | 75.83 | 1806.29 | 33190.79 |
| 23 | 2027-11 | 1882.12 | 71.91 | 1810.21 | 31380.58 |
| 24 | 2027-12 | 1882.12 | 67.99 | 1814.13 | 29566.45 |
| 25 | 2028-01 | 1882.12 | 64.06 | 1818.06 | 27748.39 |
| 26 | 2028-02 | 1882.12 | 60.12 | 1822.00 | 25926.40 |
| 27 | 2028-03 | 1882.12 | 56.17 | 1825.95 | 24100.45 |
| 28 | 2028-04 | 1882.12 | 52.22 | 1829.90 | 22270.55 |
| 29 | 2028-05 | 1882.12 | 48.25 | 1833.87 | 20436.68 |
| 30 | 2028-06 | 1882.12 | 44.28 | 1837.84 | 18598.84 |
| 31 | 2028-07 | 1882.12 | 40.30 | 1841.82 | 16757.02 |
| 32 | 2028-08 | 1882.12 | 36.31 | 1845.81 | 14911.21 |
| 33 | 2028-09 | 1882.12 | 32.31 | 1849.81 | 13061.39 |
| 34 | 2028-10 | 1882.12 | 28.30 | 1853.82 | 11207.57 |
| 35 | 2028-11 | 1882.12 | 24.28 | 1857.84 | 9349.74 |
| 36 | 2028-12 | 1882.12 | 20.26 | 1861.86 | 7487.88 |
| 37 | 2029-01 | 1882.12 | 16.22 | 1865.90 | 5621.98 |
| 38 | 2029-02 | 1882.12 | 12.18 | 1869.94 | 3752.04 |
| 39 | 2029-03 | 1882.12 | 8.13 | 1873.99 | 1878.05 |
| 40 | 2029-04 | 1882.12 | 4.07 | 1878.05 | 0.00 |
等额本金还款方式：
贷款总额：7.2万
还款月数：3年4个月
首月还款：1957.09元
每月递减：3.9元
利息总额：3199.78元
本息合计：7.52万
节省利息：45.01元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2026-01 | 1957.09 | 156.09 | 1801.00 | 70239.00 |
| 2 | 2026-02 | 1953.18 | 152.18 | 1801.00 | 68438.00 |
| 3 | 2026-03 | 1949.28 | 148.28 | 1801.00 | 66637.00 |
| 4 | 2026-04 | 1945.38 | 144.38 | 1801.00 | 64836.00 |
| 5 | 2026-05 | 1941.48 | 140.48 | 1801.00 | 63035.00 |
| 6 | 2026-06 | 1937.58 | 136.58 | 1801.00 | 61234.00 |
| 7 | 2026-07 | 1933.67 | 132.67 | 1801.00 | 59433.00 |
| 8 | 2026-08 | 1929.77 | 128.77 | 1801.00 | 57632.00 |
| 9 | 2026-09 | 1925.87 | 124.87 | 1801.00 | 55831.00 |
| 10 | 2026-10 | 1921.97 | 120.97 | 1801.00 | 54030.00 |
| 11 | 2026-11 | 1918.07 | 117.07 | 1801.00 | 52229.00 |
| 12 | 2026-12 | 1914.16 | 113.16 | 1801.00 | 50428.00 |
| 13 | 2027-01 | 1910.26 | 109.26 | 1801.00 | 48627.00 |
| 14 | 2027-02 | 1906.36 | 105.36 | 1801.00 | 46826.00 |
| 15 | 2027-03 | 1902.46 | 101.46 | 1801.00 | 45025.00 |
| 16 | 2027-04 | 1898.55 | 97.55 | 1801.00 | 43224.00 |
| 17 | 2027-05 | 1894.65 | 93.65 | 1801.00 | 41423.00 |
| 18 | 2027-06 | 1890.75 | 89.75 | 1801.00 | 39622.00 |
| 19 | 2027-07 | 1886.85 | 85.85 | 1801.00 | 37821.00 |
| 20 | 2027-08 | 1882.95 | 81.95 | 1801.00 | 36020.00 |
| 21 | 2027-09 | 1879.04 | 78.04 | 1801.00 | 34219.00 |
| 22 | 2027-10 | 1875.14 | 74.14 | 1801.00 | 32418.00 |
| 23 | 2027-11 | 1871.24 | 70.24 | 1801.00 | 30617.00 |
| 24 | 2027-12 | 1867.34 | 66.34 | 1801.00 | 28816.00 |
| 25 | 2028-01 | 1863.43 | 62.43 | 1801.00 | 27015.00 |
| 26 | 2028-02 | 1859.53 | 58.53 | 1801.00 | 25214.00 |
| 27 | 2028-03 | 1855.63 | 54.63 | 1801.00 | 23413.00 |
| 28 | 2028-04 | 1851.73 | 50.73 | 1801.00 | 21612.00 |
| 29 | 2028-05 | 1847.83 | 46.83 | 1801.00 | 19811.00 |
| 30 | 2028-06 | 1843.92 | 42.92 | 1801.00 | 18010.00 |
| 31 | 2028-07 | 1840.02 | 39.02 | 1801.00 | 16209.00 |
| 32 | 2028-08 | 1836.12 | 35.12 | 1801.00 | 14408.00 |
| 33 | 2028-09 | 1832.22 | 31.22 | 1801.00 | 12607.00 |
| 34 | 2028-10 | 1828.32 | 27.32 | 1801.00 | 10806.00 |
| 35 | 2028-11 | 1824.41 | 23.41 | 1801.00 | 9005.00 |
| 36 | 2028-12 | 1820.51 | 19.51 | 1801.00 | 7204.00 |
| 37 | 2029-01 | 1816.61 | 15.61 | 1801.00 | 5403.00 |
| 38 | 2029-02 | 1812.71 | 11.71 | 1801.00 | 3602.00 |
| 39 | 2029-03 | 1808.80 | 7.80 | 1801.00 | 1801.00 |
| 40 | 2029-04 | 1804.90 | 3.90 | 1801.00 | 0.00 |