贷款5.25万（公积金贷款）房贷，还款3年6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6个月
每月还款：1309.76元
利息总额：2483.07元
本息合计：5.5万
| 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 | 1309.76 | 113.81 | 1195.95 | 51331.05 |
| 2 | 2026-02 | 1309.76 | 111.22 | 1198.55 | 50132.50 |
| 3 | 2026-03 | 1309.76 | 108.62 | 1201.14 | 48931.36 |
| 4 | 2026-04 | 1309.76 | 106.02 | 1203.75 | 47727.61 |
| 5 | 2026-05 | 1309.76 | 103.41 | 1206.35 | 46521.26 |
| 6 | 2026-06 | 1309.76 | 100.80 | 1208.97 | 45312.29 |
| 7 | 2026-07 | 1309.76 | 98.18 | 1211.59 | 44100.70 |
| 8 | 2026-08 | 1309.76 | 95.55 | 1214.21 | 42886.49 |
| 9 | 2026-09 | 1309.76 | 92.92 | 1216.84 | 41669.65 |
| 10 | 2026-10 | 1309.76 | 90.28 | 1219.48 | 40450.17 |
| 11 | 2026-11 | 1309.76 | 87.64 | 1222.12 | 39228.05 |
| 12 | 2026-12 | 1309.76 | 84.99 | 1224.77 | 38003.28 |
| 13 | 2027-01 | 1309.76 | 82.34 | 1227.42 | 36775.85 |
| 14 | 2027-02 | 1309.76 | 79.68 | 1230.08 | 35545.77 |
| 15 | 2027-03 | 1309.76 | 77.02 | 1232.75 | 34313.02 |
| 16 | 2027-04 | 1309.76 | 74.34 | 1235.42 | 33077.61 |
| 17 | 2027-05 | 1309.76 | 71.67 | 1238.10 | 31839.51 |
| 18 | 2027-06 | 1309.76 | 68.99 | 1240.78 | 30598.73 |
| 19 | 2027-07 | 1309.76 | 66.30 | 1243.47 | 29355.27 |
| 20 | 2027-08 | 1309.76 | 63.60 | 1246.16 | 28109.11 |
| 21 | 2027-09 | 1309.76 | 60.90 | 1248.86 | 26860.25 |
| 22 | 2027-10 | 1309.76 | 58.20 | 1251.57 | 25608.68 |
| 23 | 2027-11 | 1309.76 | 55.49 | 1254.28 | 24354.40 |
| 24 | 2027-12 | 1309.76 | 52.77 | 1257.00 | 23097.41 |
| 25 | 2028-01 | 1309.76 | 50.04 | 1259.72 | 21837.69 |
| 26 | 2028-02 | 1309.76 | 47.31 | 1262.45 | 20575.24 |
| 27 | 2028-03 | 1309.76 | 44.58 | 1265.18 | 19310.05 |
| 28 | 2028-04 | 1309.76 | 41.84 | 1267.93 | 18042.13 |
| 29 | 2028-05 | 1309.76 | 39.09 | 1270.67 | 16771.46 |
| 30 | 2028-06 | 1309.76 | 36.34 | 1273.43 | 15498.03 |
| 31 | 2028-07 | 1309.76 | 33.58 | 1276.18 | 14221.85 |
| 32 | 2028-08 | 1309.76 | 30.81 | 1278.95 | 12942.90 |
| 33 | 2028-09 | 1309.76 | 28.04 | 1281.72 | 11661.18 |
| 34 | 2028-10 | 1309.76 | 25.27 | 1284.50 | 10376.68 |
| 35 | 2028-11 | 1309.76 | 22.48 | 1287.28 | 9089.40 |
| 36 | 2028-12 | 1309.76 | 19.69 | 1290.07 | 7799.33 |
| 37 | 2029-01 | 1309.76 | 16.90 | 1292.86 | 6506.46 |
| 38 | 2029-02 | 1309.76 | 14.10 | 1295.67 | 5210.80 |
| 39 | 2029-03 | 1309.76 | 11.29 | 1298.47 | 3912.32 |
| 40 | 2029-04 | 1309.76 | 8.48 | 1301.29 | 2611.04 |
| 41 | 2029-05 | 1309.76 | 5.66 | 1304.11 | 1306.93 |
| 42 | 2029-06 | 1309.76 | 2.83 | 1306.93 | 0.00 |
等额本金还款方式：
贷款总额：5.25万
还款月数：3年6个月
首月还款：1364.45元
每月递减：2.71元
利息总额：2446.88元
本息合计：5.5万
节省利息：36.18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 | 1364.45 | 113.81 | 1250.64 | 51276.36 |
| 2 | 2026-02 | 1361.74 | 111.10 | 1250.64 | 50025.71 |
| 3 | 2026-03 | 1359.03 | 108.39 | 1250.64 | 48775.07 |
| 4 | 2026-04 | 1356.32 | 105.68 | 1250.64 | 47524.43 |
| 5 | 2026-05 | 1353.61 | 102.97 | 1250.64 | 46273.79 |
| 6 | 2026-06 | 1350.90 | 100.26 | 1250.64 | 45023.14 |
| 7 | 2026-07 | 1348.19 | 97.55 | 1250.64 | 43772.50 |
| 8 | 2026-08 | 1345.48 | 94.84 | 1250.64 | 42521.86 |
| 9 | 2026-09 | 1342.77 | 92.13 | 1250.64 | 41271.21 |
| 10 | 2026-10 | 1340.06 | 89.42 | 1250.64 | 40020.57 |
| 11 | 2026-11 | 1337.35 | 86.71 | 1250.64 | 38769.93 |
| 12 | 2026-12 | 1334.64 | 84.00 | 1250.64 | 37519.29 |
| 13 | 2027-01 | 1331.93 | 81.29 | 1250.64 | 36268.64 |
| 14 | 2027-02 | 1329.22 | 78.58 | 1250.64 | 35018.00 |
| 15 | 2027-03 | 1326.52 | 75.87 | 1250.64 | 33767.36 |
| 16 | 2027-04 | 1323.81 | 73.16 | 1250.64 | 32516.71 |
| 17 | 2027-05 | 1321.10 | 70.45 | 1250.64 | 31266.07 |
| 18 | 2027-06 | 1318.39 | 67.74 | 1250.64 | 30015.43 |
| 19 | 2027-07 | 1315.68 | 65.03 | 1250.64 | 28764.79 |
| 20 | 2027-08 | 1312.97 | 62.32 | 1250.64 | 27514.14 |
| 21 | 2027-09 | 1310.26 | 59.61 | 1250.64 | 26263.50 |
| 22 | 2027-10 | 1307.55 | 56.90 | 1250.64 | 25012.86 |
| 23 | 2027-11 | 1304.84 | 54.19 | 1250.64 | 23762.21 |
| 24 | 2027-12 | 1302.13 | 51.48 | 1250.64 | 22511.57 |
| 25 | 2028-01 | 1299.42 | 48.78 | 1250.64 | 21260.93 |
| 26 | 2028-02 | 1296.71 | 46.07 | 1250.64 | 20010.29 |
| 27 | 2028-03 | 1294.00 | 43.36 | 1250.64 | 18759.64 |
| 28 | 2028-04 | 1291.29 | 40.65 | 1250.64 | 17509.00 |
| 29 | 2028-05 | 1288.58 | 37.94 | 1250.64 | 16258.36 |
| 30 | 2028-06 | 1285.87 | 35.23 | 1250.64 | 15007.71 |
| 31 | 2028-07 | 1283.16 | 32.52 | 1250.64 | 13757.07 |
| 32 | 2028-08 | 1280.45 | 29.81 | 1250.64 | 12506.43 |
| 33 | 2028-09 | 1277.74 | 27.10 | 1250.64 | 11255.79 |
| 34 | 2028-10 | 1275.03 | 24.39 | 1250.64 | 10005.14 |
| 35 | 2028-11 | 1272.32 | 21.68 | 1250.64 | 8754.50 |
| 36 | 2028-12 | 1269.61 | 18.97 | 1250.64 | 7503.86 |
| 37 | 2029-01 | 1266.90 | 16.26 | 1250.64 | 6253.21 |
| 38 | 2029-02 | 1264.19 | 13.55 | 1250.64 | 5002.57 |
| 39 | 2029-03 | 1261.48 | 10.84 | 1250.64 | 3751.93 |
| 40 | 2029-04 | 1258.77 | 8.13 | 1250.64 | 2501.29 |
| 41 | 2029-05 | 1256.06 | 5.42 | 1250.64 | 1250.64 |
| 42 | 2029-06 | 1253.35 | 2.71 | 1250.64 | 0.00 |