贷款5.25万（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：5.25万
还款月数：3年4个月
每月还款：1372.32元
利息总额：2365.89元
本息合计：5.49万
| 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 | 1372.32 | 113.81 | 1258.51 | 51268.49 |
| 2 | 2026-02 | 1372.32 | 111.08 | 1261.24 | 50007.25 |
| 3 | 2026-03 | 1372.32 | 108.35 | 1263.97 | 48743.27 |
| 4 | 2026-04 | 1372.32 | 105.61 | 1266.71 | 47476.56 |
| 5 | 2026-05 | 1372.32 | 102.87 | 1269.46 | 46207.10 |
| 6 | 2026-06 | 1372.32 | 100.12 | 1272.21 | 44934.90 |
| 7 | 2026-07 | 1372.32 | 97.36 | 1274.96 | 43659.93 |
| 8 | 2026-08 | 1372.32 | 94.60 | 1277.73 | 42382.21 |
| 9 | 2026-09 | 1372.32 | 91.83 | 1280.49 | 41101.71 |
| 10 | 2026-10 | 1372.32 | 89.05 | 1283.27 | 39818.45 |
| 11 | 2026-11 | 1372.32 | 86.27 | 1286.05 | 38532.40 |
| 12 | 2026-12 | 1372.32 | 83.49 | 1288.84 | 37243.56 |
| 13 | 2027-01 | 1372.32 | 80.69 | 1291.63 | 35951.93 |
| 14 | 2027-02 | 1372.32 | 77.90 | 1294.43 | 34657.51 |
| 15 | 2027-03 | 1372.32 | 75.09 | 1297.23 | 33360.28 |
| 16 | 2027-04 | 1372.32 | 72.28 | 1300.04 | 32060.23 |
| 17 | 2027-05 | 1372.32 | 69.46 | 1302.86 | 30757.38 |
| 18 | 2027-06 | 1372.32 | 66.64 | 1305.68 | 29451.69 |
| 19 | 2027-07 | 1372.32 | 63.81 | 1308.51 | 28143.18 |
| 20 | 2027-08 | 1372.32 | 60.98 | 1311.35 | 26831.84 |
| 21 | 2027-09 | 1372.32 | 58.14 | 1314.19 | 25517.65 |
| 22 | 2027-10 | 1372.32 | 55.29 | 1317.03 | 24200.62 |
| 23 | 2027-11 | 1372.32 | 52.43 | 1319.89 | 22880.73 |
| 24 | 2027-12 | 1372.32 | 49.57 | 1322.75 | 21557.98 |
| 25 | 2028-01 | 1372.32 | 46.71 | 1325.61 | 20232.37 |
| 26 | 2028-02 | 1372.32 | 43.84 | 1328.49 | 18903.88 |
| 27 | 2028-03 | 1372.32 | 40.96 | 1331.36 | 17572.52 |
| 28 | 2028-04 | 1372.32 | 38.07 | 1334.25 | 16238.27 |
| 29 | 2028-05 | 1372.32 | 35.18 | 1337.14 | 14901.13 |
| 30 | 2028-06 | 1372.32 | 32.29 | 1340.04 | 13561.10 |
| 31 | 2028-07 | 1372.32 | 29.38 | 1342.94 | 12218.16 |
| 32 | 2028-08 | 1372.32 | 26.47 | 1345.85 | 10872.31 |
| 33 | 2028-09 | 1372.32 | 23.56 | 1348.77 | 9523.54 |
| 34 | 2028-10 | 1372.32 | 20.63 | 1351.69 | 8171.85 |
| 35 | 2028-11 | 1372.32 | 17.71 | 1354.62 | 6817.24 |
| 36 | 2028-12 | 1372.32 | 14.77 | 1357.55 | 5459.68 |
| 37 | 2029-01 | 1372.32 | 11.83 | 1360.49 | 4099.19 |
| 38 | 2029-02 | 1372.32 | 8.88 | 1363.44 | 2735.75 |
| 39 | 2029-03 | 1372.32 | 5.93 | 1366.39 | 1369.36 |
| 40 | 2029-04 | 1372.32 | 2.97 | 1369.36 | 0.00 |
等额本金还款方式：
贷款总额：5.25万
还款月数：3年4个月
首月还款：1426.98元
每月递减：2.85元
利息总额：2333.07元
本息合计：5.49万
节省利息：32.82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 | 1426.98 | 113.81 | 1313.17 | 51213.82 |
| 2 | 2026-02 | 1424.14 | 110.96 | 1313.17 | 49900.65 |
| 3 | 2026-03 | 1421.29 | 108.12 | 1313.17 | 48587.47 |
| 4 | 2026-04 | 1418.45 | 105.27 | 1313.17 | 47274.30 |
| 5 | 2026-05 | 1415.60 | 102.43 | 1313.17 | 45961.13 |
| 6 | 2026-06 | 1412.76 | 99.58 | 1313.17 | 44647.95 |
| 7 | 2026-07 | 1409.91 | 96.74 | 1313.17 | 43334.78 |
| 8 | 2026-08 | 1407.07 | 93.89 | 1313.17 | 42021.60 |
| 9 | 2026-09 | 1404.22 | 91.05 | 1313.17 | 40708.43 |
| 10 | 2026-10 | 1401.38 | 88.20 | 1313.17 | 39395.25 |
| 11 | 2026-11 | 1398.53 | 85.36 | 1313.17 | 38082.07 |
| 12 | 2026-12 | 1395.69 | 82.51 | 1313.17 | 36768.90 |
| 13 | 2027-01 | 1392.84 | 79.67 | 1313.17 | 35455.73 |
| 14 | 2027-02 | 1390.00 | 76.82 | 1313.17 | 34142.55 |
| 15 | 2027-03 | 1387.15 | 73.98 | 1313.17 | 32829.38 |
| 16 | 2027-04 | 1384.31 | 71.13 | 1313.17 | 31516.20 |
| 17 | 2027-05 | 1381.46 | 68.29 | 1313.17 | 30203.03 |
| 18 | 2027-06 | 1378.61 | 65.44 | 1313.17 | 28889.85 |
| 19 | 2027-07 | 1375.77 | 62.59 | 1313.17 | 27576.67 |
| 20 | 2027-08 | 1372.92 | 59.75 | 1313.17 | 26263.50 |
| 21 | 2027-09 | 1370.08 | 56.90 | 1313.17 | 24950.33 |
| 22 | 2027-10 | 1367.23 | 54.06 | 1313.17 | 23637.15 |
| 23 | 2027-11 | 1364.39 | 51.21 | 1313.17 | 22323.98 |
| 24 | 2027-12 | 1361.54 | 48.37 | 1313.17 | 21010.80 |
| 25 | 2028-01 | 1358.70 | 45.52 | 1313.17 | 19697.63 |
| 26 | 2028-02 | 1355.85 | 42.68 | 1313.17 | 18384.45 |
| 27 | 2028-03 | 1353.01 | 39.83 | 1313.17 | 17071.28 |
| 28 | 2028-04 | 1350.16 | 36.99 | 1313.17 | 15758.10 |
| 29 | 2028-05 | 1347.32 | 34.14 | 1313.17 | 14444.93 |
| 30 | 2028-06 | 1344.47 | 31.30 | 1313.17 | 13131.75 |
| 31 | 2028-07 | 1341.63 | 28.45 | 1313.17 | 11818.58 |
| 32 | 2028-08 | 1338.78 | 25.61 | 1313.17 | 10505.40 |
| 33 | 2028-09 | 1335.94 | 22.76 | 1313.17 | 9192.22 |
| 34 | 2028-10 | 1333.09 | 19.92 | 1313.17 | 7879.05 |
| 35 | 2028-11 | 1330.25 | 17.07 | 1313.17 | 6565.88 |
| 36 | 2028-12 | 1327.40 | 14.23 | 1313.17 | 5252.70 |
| 37 | 2029-01 | 1324.56 | 11.38 | 1313.17 | 3939.53 |
| 38 | 2029-02 | 1321.71 | 8.54 | 1313.17 | 2626.35 |
| 39 | 2029-03 | 1318.87 | 5.69 | 1313.17 | 1313.18 |
| 40 | 2029-04 | 1316.02 | 2.85 | 1313.17 | 0.00 |