贷款7.2万（公积金贷款）房贷，还款2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：7.2万
还款月数：2年8个月
每月还款：2332.63元
利息总额：2604.23元
本息合计：7.46万
| 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 | 2332.63 | 156.09 | 2176.55 | 69863.45 |
| 2 | 2026-02 | 2332.63 | 151.37 | 2181.26 | 67682.19 |
| 3 | 2026-03 | 2332.63 | 146.64 | 2185.99 | 65496.21 |
| 4 | 2026-04 | 2332.63 | 141.91 | 2190.72 | 63305.48 |
| 5 | 2026-05 | 2332.63 | 137.16 | 2195.47 | 61110.01 |
| 6 | 2026-06 | 2332.63 | 132.41 | 2200.23 | 58909.79 |
| 7 | 2026-07 | 2332.63 | 127.64 | 2204.99 | 56704.79 |
| 8 | 2026-08 | 2332.63 | 122.86 | 2209.77 | 54495.02 |
| 9 | 2026-09 | 2332.63 | 118.07 | 2214.56 | 52280.46 |
| 10 | 2026-10 | 2332.63 | 113.27 | 2219.36 | 50061.10 |
| 11 | 2026-11 | 2332.63 | 108.47 | 2224.17 | 47836.94 |
| 12 | 2026-12 | 2332.63 | 103.65 | 2228.99 | 45607.95 |
| 13 | 2027-01 | 2332.63 | 98.82 | 2233.81 | 43374.14 |
| 14 | 2027-02 | 2332.63 | 93.98 | 2238.65 | 41135.48 |
| 15 | 2027-03 | 2332.63 | 89.13 | 2243.51 | 38891.98 |
| 16 | 2027-04 | 2332.63 | 84.27 | 2248.37 | 36643.61 |
| 17 | 2027-05 | 2332.63 | 79.39 | 2253.24 | 34390.37 |
| 18 | 2027-06 | 2332.63 | 74.51 | 2258.12 | 32132.25 |
| 19 | 2027-07 | 2332.63 | 69.62 | 2263.01 | 29869.24 |
| 20 | 2027-08 | 2332.63 | 64.72 | 2267.92 | 27601.32 |
| 21 | 2027-09 | 2332.63 | 59.80 | 2272.83 | 25328.49 |
| 22 | 2027-10 | 2332.63 | 54.88 | 2277.75 | 23050.74 |
| 23 | 2027-11 | 2332.63 | 49.94 | 2282.69 | 20768.05 |
| 24 | 2027-12 | 2332.63 | 45.00 | 2287.63 | 18480.42 |
| 25 | 2028-01 | 2332.63 | 40.04 | 2292.59 | 16187.83 |
| 26 | 2028-02 | 2332.63 | 35.07 | 2297.56 | 13890.27 |
| 27 | 2028-03 | 2332.63 | 30.10 | 2302.54 | 11587.73 |
| 28 | 2028-04 | 2332.63 | 25.11 | 2307.53 | 9280.21 |
| 29 | 2028-05 | 2332.63 | 20.11 | 2312.52 | 6967.68 |
| 30 | 2028-06 | 2332.63 | 15.10 | 2317.54 | 4650.15 |
| 31 | 2028-07 | 2332.63 | 10.08 | 2322.56 | 2327.59 |
| 32 | 2028-08 | 2332.63 | 5.04 | 2327.59 | 0.00 |
等额本金还款方式：
贷款总额：7.2万
还款月数：2年8个月
首月还款：2407.34元
每月递减：4.88元
利息总额：2575.43元
本息合计：7.46万
节省利息：28.8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 | 2407.34 | 156.09 | 2251.25 | 69788.75 |
| 2 | 2026-02 | 2402.46 | 151.21 | 2251.25 | 67537.50 |
| 3 | 2026-03 | 2397.58 | 146.33 | 2251.25 | 65286.25 |
| 4 | 2026-04 | 2392.70 | 141.45 | 2251.25 | 63035.00 |
| 5 | 2026-05 | 2387.83 | 136.58 | 2251.25 | 60783.75 |
| 6 | 2026-06 | 2382.95 | 131.70 | 2251.25 | 58532.50 |
| 7 | 2026-07 | 2378.07 | 126.82 | 2251.25 | 56281.25 |
| 8 | 2026-08 | 2373.19 | 121.94 | 2251.25 | 54030.00 |
| 9 | 2026-09 | 2368.32 | 117.07 | 2251.25 | 51778.75 |
| 10 | 2026-10 | 2363.44 | 112.19 | 2251.25 | 49527.50 |
| 11 | 2026-11 | 2358.56 | 107.31 | 2251.25 | 47276.25 |
| 12 | 2026-12 | 2353.68 | 102.43 | 2251.25 | 45025.00 |
| 13 | 2027-01 | 2348.80 | 97.55 | 2251.25 | 42773.75 |
| 14 | 2027-02 | 2343.93 | 92.68 | 2251.25 | 40522.50 |
| 15 | 2027-03 | 2339.05 | 87.80 | 2251.25 | 38271.25 |
| 16 | 2027-04 | 2334.17 | 82.92 | 2251.25 | 36020.00 |
| 17 | 2027-05 | 2329.29 | 78.04 | 2251.25 | 33768.75 |
| 18 | 2027-06 | 2324.42 | 73.17 | 2251.25 | 31517.50 |
| 19 | 2027-07 | 2319.54 | 68.29 | 2251.25 | 29266.25 |
| 20 | 2027-08 | 2314.66 | 63.41 | 2251.25 | 27015.00 |
| 21 | 2027-09 | 2309.78 | 58.53 | 2251.25 | 24763.75 |
| 22 | 2027-10 | 2304.90 | 53.65 | 2251.25 | 22512.50 |
| 23 | 2027-11 | 2300.03 | 48.78 | 2251.25 | 20261.25 |
| 24 | 2027-12 | 2295.15 | 43.90 | 2251.25 | 18010.00 |
| 25 | 2028-01 | 2290.27 | 39.02 | 2251.25 | 15758.75 |
| 26 | 2028-02 | 2285.39 | 34.14 | 2251.25 | 13507.50 |
| 27 | 2028-03 | 2280.52 | 29.27 | 2251.25 | 11256.25 |
| 28 | 2028-04 | 2275.64 | 24.39 | 2251.25 | 9005.00 |
| 29 | 2028-05 | 2270.76 | 19.51 | 2251.25 | 6753.75 |
| 30 | 2028-06 | 2265.88 | 14.63 | 2251.25 | 4502.50 |
| 31 | 2028-07 | 2261.01 | 9.76 | 2251.25 | 2251.25 |
| 32 | 2028-08 | 2256.13 | 4.88 | 2251.25 | 0.00 |