贷款7.2万（公积金贷款）房贷，还款3年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
每月还款：2082.33元
利息总额：2924.06元
本息合计：7.5万
| 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 | 2082.33 | 156.09 | 1926.25 | 70113.75 |
| 2 | 2026-02 | 2082.33 | 151.91 | 1930.42 | 68183.33 |
| 3 | 2026-03 | 2082.33 | 147.73 | 1934.60 | 66248.73 |
| 4 | 2026-04 | 2082.33 | 143.54 | 1938.80 | 64309.93 |
| 5 | 2026-05 | 2082.33 | 139.34 | 1943.00 | 62366.93 |
| 6 | 2026-06 | 2082.33 | 135.13 | 1947.21 | 60419.73 |
| 7 | 2026-07 | 2082.33 | 130.91 | 1951.43 | 58468.30 |
| 8 | 2026-08 | 2082.33 | 126.68 | 1955.65 | 56512.65 |
| 9 | 2026-09 | 2082.33 | 122.44 | 1959.89 | 54552.76 |
| 10 | 2026-10 | 2082.33 | 118.20 | 1964.14 | 52588.62 |
| 11 | 2026-11 | 2082.33 | 113.94 | 1968.39 | 50620.23 |
| 12 | 2026-12 | 2082.33 | 109.68 | 1972.66 | 48647.57 |
| 13 | 2027-01 | 2082.33 | 105.40 | 1976.93 | 46670.64 |
| 14 | 2027-02 | 2082.33 | 101.12 | 1981.22 | 44689.42 |
| 15 | 2027-03 | 2082.33 | 96.83 | 1985.51 | 42703.91 |
| 16 | 2027-04 | 2082.33 | 92.53 | 1989.81 | 40714.10 |
| 17 | 2027-05 | 2082.33 | 88.21 | 1994.12 | 38719.98 |
| 18 | 2027-06 | 2082.33 | 83.89 | 1998.44 | 36721.54 |
| 19 | 2027-07 | 2082.33 | 79.56 | 2002.77 | 34718.77 |
| 20 | 2027-08 | 2082.33 | 75.22 | 2007.11 | 32711.66 |
| 21 | 2027-09 | 2082.33 | 70.88 | 2011.46 | 30700.20 |
| 22 | 2027-10 | 2082.33 | 66.52 | 2015.82 | 28684.38 |
| 23 | 2027-11 | 2082.33 | 62.15 | 2020.19 | 26664.20 |
| 24 | 2027-12 | 2082.33 | 57.77 | 2024.56 | 24639.63 |
| 25 | 2028-01 | 2082.33 | 53.39 | 2028.95 | 22610.68 |
| 26 | 2028-02 | 2082.33 | 48.99 | 2033.35 | 20577.34 |
| 27 | 2028-03 | 2082.33 | 44.58 | 2037.75 | 18539.59 |
| 28 | 2028-04 | 2082.33 | 40.17 | 2042.17 | 16497.42 |
| 29 | 2028-05 | 2082.33 | 35.74 | 2046.59 | 14450.83 |
| 30 | 2028-06 | 2082.33 | 31.31 | 2051.02 | 12399.81 |
| 31 | 2028-07 | 2082.33 | 26.87 | 2055.47 | 10344.34 |
| 32 | 2028-08 | 2082.33 | 22.41 | 2059.92 | 8284.42 |
| 33 | 2028-09 | 2082.33 | 17.95 | 2064.39 | 6220.03 |
| 34 | 2028-10 | 2082.33 | 13.48 | 2068.86 | 4151.17 |
| 35 | 2028-11 | 2082.33 | 8.99 | 2073.34 | 2077.83 |
| 36 | 2028-12 | 2082.33 | 4.50 | 2077.83 | 0.00 |
等额本金还款方式：
贷款总额：7.2万
还款月数：3年
首月还款：2157.2元
每月递减：4.34元
利息总额：2887.6元
本息合计：7.49万
节省利息：36.45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 | 2157.20 | 156.09 | 2001.11 | 70038.89 |
| 2 | 2026-02 | 2152.86 | 151.75 | 2001.11 | 68037.78 |
| 3 | 2026-03 | 2148.53 | 147.42 | 2001.11 | 66036.67 |
| 4 | 2026-04 | 2144.19 | 143.08 | 2001.11 | 64035.56 |
| 5 | 2026-05 | 2139.85 | 138.74 | 2001.11 | 62034.44 |
| 6 | 2026-06 | 2135.52 | 134.41 | 2001.11 | 60033.33 |
| 7 | 2026-07 | 2131.18 | 130.07 | 2001.11 | 58032.22 |
| 8 | 2026-08 | 2126.85 | 125.74 | 2001.11 | 56031.11 |
| 9 | 2026-09 | 2122.51 | 121.40 | 2001.11 | 54030.00 |
| 10 | 2026-10 | 2118.18 | 117.07 | 2001.11 | 52028.89 |
| 11 | 2026-11 | 2113.84 | 112.73 | 2001.11 | 50027.78 |
| 12 | 2026-12 | 2109.50 | 108.39 | 2001.11 | 48026.67 |
| 13 | 2027-01 | 2105.17 | 104.06 | 2001.11 | 46025.56 |
| 14 | 2027-02 | 2100.83 | 99.72 | 2001.11 | 44024.44 |
| 15 | 2027-03 | 2096.50 | 95.39 | 2001.11 | 42023.33 |
| 16 | 2027-04 | 2092.16 | 91.05 | 2001.11 | 40022.22 |
| 17 | 2027-05 | 2087.83 | 86.71 | 2001.11 | 38021.11 |
| 18 | 2027-06 | 2083.49 | 82.38 | 2001.11 | 36020.00 |
| 19 | 2027-07 | 2079.15 | 78.04 | 2001.11 | 34018.89 |
| 20 | 2027-08 | 2074.82 | 73.71 | 2001.11 | 32017.78 |
| 21 | 2027-09 | 2070.48 | 69.37 | 2001.11 | 30016.67 |
| 22 | 2027-10 | 2066.15 | 65.04 | 2001.11 | 28015.56 |
| 23 | 2027-11 | 2061.81 | 60.70 | 2001.11 | 26014.44 |
| 24 | 2027-12 | 2057.48 | 56.36 | 2001.11 | 24013.33 |
| 25 | 2028-01 | 2053.14 | 52.03 | 2001.11 | 22012.22 |
| 26 | 2028-02 | 2048.80 | 47.69 | 2001.11 | 20011.11 |
| 27 | 2028-03 | 2044.47 | 43.36 | 2001.11 | 18010.00 |
| 28 | 2028-04 | 2040.13 | 39.02 | 2001.11 | 16008.89 |
| 29 | 2028-05 | 2035.80 | 34.69 | 2001.11 | 14007.78 |
| 30 | 2028-06 | 2031.46 | 30.35 | 2001.11 | 12006.67 |
| 31 | 2028-07 | 2027.13 | 26.01 | 2001.11 | 10005.56 |
| 32 | 2028-08 | 2022.79 | 21.68 | 2001.11 | 8004.44 |
| 33 | 2028-09 | 2018.45 | 17.34 | 2001.11 | 6003.33 |
| 34 | 2028-10 | 2014.12 | 13.01 | 2001.11 | 4002.22 |
| 35 | 2028-11 | 2009.78 | 8.67 | 2001.11 | 2001.11 |
| 36 | 2028-12 | 2005.45 | 4.34 | 2001.11 | 0.00 |