贷款5.25万（公积金贷款）房贷，还款3年9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：5.25万
还款月数：3年9个月
每月还款：1226.36元
利息总额：2659.13元
本息合计：5.52万
| 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 | 1226.36 | 113.81 | 1112.55 | 51414.45 |
| 2 | 2026-02 | 1226.36 | 111.40 | 1114.96 | 50299.49 |
| 3 | 2026-03 | 1226.36 | 108.98 | 1117.38 | 49182.11 |
| 4 | 2026-04 | 1226.36 | 106.56 | 1119.80 | 48062.32 |
| 5 | 2026-05 | 1226.36 | 104.14 | 1122.22 | 46940.09 |
| 6 | 2026-06 | 1226.36 | 101.70 | 1124.66 | 45815.44 |
| 7 | 2026-07 | 1226.36 | 99.27 | 1127.09 | 44688.35 |
| 8 | 2026-08 | 1226.36 | 96.82 | 1129.53 | 43558.81 |
| 9 | 2026-09 | 1226.36 | 94.38 | 1131.98 | 42426.83 |
| 10 | 2026-10 | 1226.36 | 91.92 | 1134.43 | 41292.40 |
| 11 | 2026-11 | 1226.36 | 89.47 | 1136.89 | 40155.51 |
| 12 | 2026-12 | 1226.36 | 87.00 | 1139.35 | 39016.15 |
| 13 | 2027-01 | 1226.36 | 84.53 | 1141.82 | 37874.33 |
| 14 | 2027-02 | 1226.36 | 82.06 | 1144.30 | 36730.03 |
| 15 | 2027-03 | 1226.36 | 79.58 | 1146.78 | 35583.25 |
| 16 | 2027-04 | 1226.36 | 77.10 | 1149.26 | 34433.99 |
| 17 | 2027-05 | 1226.36 | 74.61 | 1151.75 | 33282.24 |
| 18 | 2027-06 | 1226.36 | 72.11 | 1154.25 | 32127.99 |
| 19 | 2027-07 | 1226.36 | 69.61 | 1156.75 | 30971.24 |
| 20 | 2027-08 | 1226.36 | 67.10 | 1159.25 | 29811.99 |
| 21 | 2027-09 | 1226.36 | 64.59 | 1161.77 | 28650.22 |
| 22 | 2027-10 | 1226.36 | 62.08 | 1164.28 | 27485.94 |
| 23 | 2027-11 | 1226.36 | 59.55 | 1166.81 | 26319.14 |
| 24 | 2027-12 | 1226.36 | 57.02 | 1169.33 | 25149.80 |
| 25 | 2028-01 | 1226.36 | 54.49 | 1171.87 | 23977.93 |
| 26 | 2028-02 | 1226.36 | 51.95 | 1174.41 | 22803.53 |
| 27 | 2028-03 | 1226.36 | 49.41 | 1176.95 | 21626.58 |
| 28 | 2028-04 | 1226.36 | 46.86 | 1179.50 | 20447.08 |
| 29 | 2028-05 | 1226.36 | 44.30 | 1182.06 | 19265.02 |
| 30 | 2028-06 | 1226.36 | 41.74 | 1184.62 | 18080.40 |
| 31 | 2028-07 | 1226.36 | 39.17 | 1187.18 | 16893.22 |
| 32 | 2028-08 | 1226.36 | 36.60 | 1189.76 | 15703.46 |
| 33 | 2028-09 | 1226.36 | 34.02 | 1192.33 | 14511.13 |
| 34 | 2028-10 | 1226.36 | 31.44 | 1194.92 | 13316.21 |
| 35 | 2028-11 | 1226.36 | 28.85 | 1197.51 | 12118.70 |
| 36 | 2028-12 | 1226.36 | 26.26 | 1200.10 | 10918.60 |
| 37 | 2029-01 | 1226.36 | 23.66 | 1202.70 | 9715.90 |
| 38 | 2029-02 | 1226.36 | 21.05 | 1205.31 | 8510.59 |
| 39 | 2029-03 | 1226.36 | 18.44 | 1207.92 | 7302.67 |
| 40 | 2029-04 | 1226.36 | 15.82 | 1210.54 | 6092.14 |
| 41 | 2029-05 | 1226.36 | 13.20 | 1213.16 | 4878.98 |
| 42 | 2029-06 | 1226.36 | 10.57 | 1215.79 | 3663.19 |
| 43 | 2029-07 | 1226.36 | 7.94 | 1218.42 | 2444.77 |
| 44 | 2029-08 | 1226.36 | 5.30 | 1221.06 | 1223.71 |
| 45 | 2029-09 | 1226.36 | 2.65 | 1223.71 | 0.00 |
等额本金还款方式：
贷款总额：5.25万
还款月数：3年9个月
首月还款：1281.08元
每月递减：2.53元
利息总额：2617.6元
本息合计：5.51万
节省利息：41.54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 | 1281.08 | 113.81 | 1167.27 | 51359.73 |
| 2 | 2026-02 | 1278.55 | 111.28 | 1167.27 | 50192.47 |
| 3 | 2026-03 | 1276.02 | 108.75 | 1167.27 | 49025.20 |
| 4 | 2026-04 | 1273.49 | 106.22 | 1167.27 | 47857.93 |
| 5 | 2026-05 | 1270.96 | 103.69 | 1167.27 | 46690.67 |
| 6 | 2026-06 | 1268.43 | 101.16 | 1167.27 | 45523.40 |
| 7 | 2026-07 | 1265.90 | 98.63 | 1167.27 | 44356.13 |
| 8 | 2026-08 | 1263.37 | 96.10 | 1167.27 | 43188.87 |
| 9 | 2026-09 | 1260.84 | 93.58 | 1167.27 | 42021.60 |
| 10 | 2026-10 | 1258.31 | 91.05 | 1167.27 | 40854.33 |
| 11 | 2026-11 | 1255.78 | 88.52 | 1167.27 | 39687.07 |
| 12 | 2026-12 | 1253.26 | 85.99 | 1167.27 | 38519.80 |
| 13 | 2027-01 | 1250.73 | 83.46 | 1167.27 | 37352.53 |
| 14 | 2027-02 | 1248.20 | 80.93 | 1167.27 | 36185.27 |
| 15 | 2027-03 | 1245.67 | 78.40 | 1167.27 | 35018.00 |
| 16 | 2027-04 | 1243.14 | 75.87 | 1167.27 | 33850.73 |
| 17 | 2027-05 | 1240.61 | 73.34 | 1167.27 | 32683.47 |
| 18 | 2027-06 | 1238.08 | 70.81 | 1167.27 | 31516.20 |
| 19 | 2027-07 | 1235.55 | 68.29 | 1167.27 | 30348.93 |
| 20 | 2027-08 | 1233.02 | 65.76 | 1167.27 | 29181.67 |
| 21 | 2027-09 | 1230.49 | 63.23 | 1167.27 | 28014.40 |
| 22 | 2027-10 | 1227.96 | 60.70 | 1167.27 | 26847.13 |
| 23 | 2027-11 | 1225.44 | 58.17 | 1167.27 | 25679.87 |
| 24 | 2027-12 | 1222.91 | 55.64 | 1167.27 | 24512.60 |
| 25 | 2028-01 | 1220.38 | 53.11 | 1167.27 | 23345.33 |
| 26 | 2028-02 | 1217.85 | 50.58 | 1167.27 | 22178.07 |
| 27 | 2028-03 | 1215.32 | 48.05 | 1167.27 | 21010.80 |
| 28 | 2028-04 | 1212.79 | 45.52 | 1167.27 | 19843.53 |
| 29 | 2028-05 | 1210.26 | 42.99 | 1167.27 | 18676.27 |
| 30 | 2028-06 | 1207.73 | 40.47 | 1167.27 | 17509.00 |
| 31 | 2028-07 | 1205.20 | 37.94 | 1167.27 | 16341.73 |
| 32 | 2028-08 | 1202.67 | 35.41 | 1167.27 | 15174.47 |
| 33 | 2028-09 | 1200.14 | 32.88 | 1167.27 | 14007.20 |
| 34 | 2028-10 | 1197.62 | 30.35 | 1167.27 | 12839.93 |
| 35 | 2028-11 | 1195.09 | 27.82 | 1167.27 | 11672.67 |
| 36 | 2028-12 | 1192.56 | 25.29 | 1167.27 | 10505.40 |
| 37 | 2029-01 | 1190.03 | 22.76 | 1167.27 | 9338.13 |
| 38 | 2029-02 | 1187.50 | 20.23 | 1167.27 | 8170.87 |
| 39 | 2029-03 | 1184.97 | 17.70 | 1167.27 | 7003.60 |
| 40 | 2029-04 | 1182.44 | 15.17 | 1167.27 | 5836.33 |
| 41 | 2029-05 | 1179.91 | 12.65 | 1167.27 | 4669.07 |
| 42 | 2029-06 | 1177.38 | 10.12 | 1167.27 | 3501.80 |
| 43 | 2029-07 | 1174.85 | 7.59 | 1167.27 | 2334.53 |
| 44 | 2029-08 | 1172.32 | 5.06 | 1167.27 | 1167.27 |
| 45 | 2029-09 | 1169.80 | 2.53 | 1167.27 | 0.00 |