贷款5.25万（公积金贷款）房贷，还款3年5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5个月
每月还款：1340.28元
利息总额：2424.46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 | 1340.28 | 113.81 | 1226.47 | 51300.53 |
| 2 | 2026-02 | 1340.28 | 111.15 | 1229.13 | 50071.40 |
| 3 | 2026-03 | 1340.28 | 108.49 | 1231.79 | 48839.61 |
| 4 | 2026-04 | 1340.28 | 105.82 | 1234.46 | 47605.15 |
| 5 | 2026-05 | 1340.28 | 103.14 | 1237.13 | 46368.01 |
| 6 | 2026-06 | 1340.28 | 100.46 | 1239.82 | 45128.20 |
| 7 | 2026-07 | 1340.28 | 97.78 | 1242.50 | 43885.70 |
| 8 | 2026-08 | 1340.28 | 95.09 | 1245.19 | 42640.50 |
| 9 | 2026-09 | 1340.28 | 92.39 | 1247.89 | 41392.61 |
| 10 | 2026-10 | 1340.28 | 89.68 | 1250.60 | 40142.02 |
| 11 | 2026-11 | 1340.28 | 86.97 | 1253.31 | 38888.71 |
| 12 | 2026-12 | 1340.28 | 84.26 | 1256.02 | 37632.69 |
| 13 | 2027-01 | 1340.28 | 81.54 | 1258.74 | 36373.95 |
| 14 | 2027-02 | 1340.28 | 78.81 | 1261.47 | 35112.48 |
| 15 | 2027-03 | 1340.28 | 76.08 | 1264.20 | 33848.28 |
| 16 | 2027-04 | 1340.28 | 73.34 | 1266.94 | 32581.33 |
| 17 | 2027-05 | 1340.28 | 70.59 | 1269.69 | 31311.65 |
| 18 | 2027-06 | 1340.28 | 67.84 | 1272.44 | 30039.21 |
| 19 | 2027-07 | 1340.28 | 65.08 | 1275.19 | 28764.02 |
| 20 | 2027-08 | 1340.28 | 62.32 | 1277.96 | 27486.06 |
| 21 | 2027-09 | 1340.28 | 59.55 | 1280.73 | 26205.33 |
| 22 | 2027-10 | 1340.28 | 56.78 | 1283.50 | 24921.83 |
| 23 | 2027-11 | 1340.28 | 54.00 | 1286.28 | 23635.55 |
| 24 | 2027-12 | 1340.28 | 51.21 | 1289.07 | 22346.48 |
| 25 | 2028-01 | 1340.28 | 48.42 | 1291.86 | 21054.62 |
| 26 | 2028-02 | 1340.28 | 45.62 | 1294.66 | 19759.96 |
| 27 | 2028-03 | 1340.28 | 42.81 | 1297.47 | 18462.49 |
| 28 | 2028-04 | 1340.28 | 40.00 | 1300.28 | 17162.21 |
| 29 | 2028-05 | 1340.28 | 37.18 | 1303.09 | 15859.12 |
| 30 | 2028-06 | 1340.28 | 34.36 | 1305.92 | 14553.20 |
| 31 | 2028-07 | 1340.28 | 31.53 | 1308.75 | 13244.45 |
| 32 | 2028-08 | 1340.28 | 28.70 | 1311.58 | 11932.87 |
| 33 | 2028-09 | 1340.28 | 25.85 | 1314.42 | 10618.44 |
| 34 | 2028-10 | 1340.28 | 23.01 | 1317.27 | 9301.17 |
| 35 | 2028-11 | 1340.28 | 20.15 | 1320.13 | 7981.04 |
| 36 | 2028-12 | 1340.28 | 17.29 | 1322.99 | 6658.06 |
| 37 | 2029-01 | 1340.28 | 14.43 | 1325.85 | 5332.20 |
| 38 | 2029-02 | 1340.28 | 11.55 | 1328.73 | 4003.48 |
| 39 | 2029-03 | 1340.28 | 8.67 | 1331.61 | 2671.87 |
| 40 | 2029-04 | 1340.28 | 5.79 | 1334.49 | 1337.38 |
| 41 | 2029-05 | 1340.28 | 2.90 | 1337.38 | 0.00 |
等额本金还款方式：
贷款总额：5.25万
还款月数：3年5个月
首月还款：1394.95元
每月递减：2.78元
利息总额：2389.98元
本息合计：5.49万
节省利息：34.48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 | 1394.95 | 113.81 | 1281.15 | 51245.85 |
| 2 | 2026-02 | 1392.18 | 111.03 | 1281.15 | 49964.71 |
| 3 | 2026-03 | 1389.40 | 108.26 | 1281.15 | 48683.56 |
| 4 | 2026-04 | 1386.63 | 105.48 | 1281.15 | 47402.41 |
| 5 | 2026-05 | 1383.85 | 102.71 | 1281.15 | 46121.27 |
| 6 | 2026-06 | 1381.08 | 99.93 | 1281.15 | 44840.12 |
| 7 | 2026-07 | 1378.30 | 97.15 | 1281.15 | 43558.98 |
| 8 | 2026-08 | 1375.52 | 94.38 | 1281.15 | 42277.83 |
| 9 | 2026-09 | 1372.75 | 91.60 | 1281.15 | 40996.68 |
| 10 | 2026-10 | 1369.97 | 88.83 | 1281.15 | 39715.54 |
| 11 | 2026-11 | 1367.20 | 86.05 | 1281.15 | 38434.39 |
| 12 | 2026-12 | 1364.42 | 83.27 | 1281.15 | 37153.24 |
| 13 | 2027-01 | 1361.65 | 80.50 | 1281.15 | 35872.10 |
| 14 | 2027-02 | 1358.87 | 77.72 | 1281.15 | 34590.95 |
| 15 | 2027-03 | 1356.09 | 74.95 | 1281.15 | 33309.80 |
| 16 | 2027-04 | 1353.32 | 72.17 | 1281.15 | 32028.66 |
| 17 | 2027-05 | 1350.54 | 69.40 | 1281.15 | 30747.51 |
| 18 | 2027-06 | 1347.77 | 66.62 | 1281.15 | 29466.37 |
| 19 | 2027-07 | 1344.99 | 63.84 | 1281.15 | 28185.22 |
| 20 | 2027-08 | 1342.21 | 61.07 | 1281.15 | 26904.07 |
| 21 | 2027-09 | 1339.44 | 58.29 | 1281.15 | 25622.93 |
| 22 | 2027-10 | 1336.66 | 55.52 | 1281.15 | 24341.78 |
| 23 | 2027-11 | 1333.89 | 52.74 | 1281.15 | 23060.63 |
| 24 | 2027-12 | 1331.11 | 49.96 | 1281.15 | 21779.49 |
| 25 | 2028-01 | 1328.34 | 47.19 | 1281.15 | 20498.34 |
| 26 | 2028-02 | 1325.56 | 44.41 | 1281.15 | 19217.20 |
| 27 | 2028-03 | 1322.78 | 41.64 | 1281.15 | 17936.05 |
| 28 | 2028-04 | 1320.01 | 38.86 | 1281.15 | 16654.90 |
| 29 | 2028-05 | 1317.23 | 36.09 | 1281.15 | 15373.76 |
| 30 | 2028-06 | 1314.46 | 33.31 | 1281.15 | 14092.61 |
| 31 | 2028-07 | 1311.68 | 30.53 | 1281.15 | 12811.46 |
| 32 | 2028-08 | 1308.90 | 27.76 | 1281.15 | 11530.32 |
| 33 | 2028-09 | 1306.13 | 24.98 | 1281.15 | 10249.17 |
| 34 | 2028-10 | 1303.35 | 22.21 | 1281.15 | 8968.02 |
| 35 | 2028-11 | 1300.58 | 19.43 | 1281.15 | 7686.88 |
| 36 | 2028-12 | 1297.80 | 16.65 | 1281.15 | 6405.73 |
| 37 | 2029-01 | 1295.03 | 13.88 | 1281.15 | 5124.59 |
| 38 | 2029-02 | 1292.25 | 11.10 | 1281.15 | 3843.44 |
| 39 | 2029-03 | 1289.47 | 8.33 | 1281.15 | 2562.29 |
| 40 | 2029-04 | 1286.70 | 5.55 | 1281.15 | 1281.15 |
| 41 | 2029-05 | 1283.92 | 2.78 | 1281.15 | 0.00 |