贷款7.68万（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：7.68万
还款月数：3年9个月
每月还款：1802.12元
利息总额：4269.61元
本息合计：8.11万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-09 | 1802.12 | 182.46 | 1619.66 | 75206.34 |
| 2 | 2025-10 | 1802.12 | 178.62 | 1623.51 | 73582.83 |
| 3 | 2025-11 | 1802.12 | 174.76 | 1627.37 | 71955.46 |
| 4 | 2025-12 | 1802.12 | 170.89 | 1631.23 | 70324.23 |
| 5 | 2026-01 | 1802.12 | 167.02 | 1635.10 | 68689.13 |
| 6 | 2026-02 | 1802.12 | 163.14 | 1638.99 | 67050.14 |
| 7 | 2026-03 | 1802.12 | 159.24 | 1642.88 | 65407.26 |
| 8 | 2026-04 | 1802.12 | 155.34 | 1646.78 | 63760.48 |
| 9 | 2026-05 | 1802.12 | 151.43 | 1650.69 | 62109.78 |
| 10 | 2026-06 | 1802.12 | 147.51 | 1654.61 | 60455.17 |
| 11 | 2026-07 | 1802.12 | 143.58 | 1658.54 | 58796.62 |
| 12 | 2026-08 | 1802.12 | 139.64 | 1662.48 | 57134.14 |
| 13 | 2026-09 | 1802.12 | 135.69 | 1666.43 | 55467.71 |
| 14 | 2026-10 | 1802.12 | 131.74 | 1670.39 | 53797.32 |
| 15 | 2026-11 | 1802.12 | 127.77 | 1674.36 | 52122.97 |
| 16 | 2026-12 | 1802.12 | 123.79 | 1678.33 | 50444.63 |
| 17 | 2027-01 | 1802.12 | 119.81 | 1682.32 | 48762.31 |
| 18 | 2027-02 | 1802.12 | 115.81 | 1686.31 | 47076.00 |
| 19 | 2027-03 | 1802.12 | 111.81 | 1690.32 | 45385.68 |
| 20 | 2027-04 | 1802.12 | 107.79 | 1694.33 | 43691.35 |
| 21 | 2027-05 | 1802.12 | 103.77 | 1698.36 | 41992.99 |
| 22 | 2027-06 | 1802.12 | 99.73 | 1702.39 | 40290.60 |
| 23 | 2027-07 | 1802.12 | 95.69 | 1706.43 | 38584.16 |
| 24 | 2027-08 | 1802.12 | 91.64 | 1710.49 | 36873.68 |
| 25 | 2027-09 | 1802.12 | 87.57 | 1714.55 | 35159.13 |
| 26 | 2027-10 | 1802.12 | 83.50 | 1718.62 | 33440.51 |
| 27 | 2027-11 | 1802.12 | 79.42 | 1722.70 | 31717.80 |
| 28 | 2027-12 | 1802.12 | 75.33 | 1726.79 | 29991.01 |
| 29 | 2028-01 | 1802.12 | 71.23 | 1730.90 | 28260.11 |
| 30 | 2028-02 | 1802.12 | 67.12 | 1735.01 | 26525.10 |
| 31 | 2028-03 | 1802.12 | 63.00 | 1739.13 | 24785.98 |
| 32 | 2028-04 | 1802.12 | 58.87 | 1743.26 | 23042.72 |
| 33 | 2028-05 | 1802.12 | 54.73 | 1747.40 | 21295.32 |
| 34 | 2028-06 | 1802.12 | 50.58 | 1751.55 | 19543.77 |
| 35 | 2028-07 | 1802.12 | 46.42 | 1755.71 | 17788.06 |
| 36 | 2028-08 | 1802.12 | 42.25 | 1759.88 | 16028.19 |
| 37 | 2028-09 | 1802.12 | 38.07 | 1764.06 | 14264.13 |
| 38 | 2028-10 | 1802.12 | 33.88 | 1768.25 | 12495.88 |
| 39 | 2028-11 | 1802.12 | 29.68 | 1772.45 | 10723.43 |
| 40 | 2028-12 | 1802.12 | 25.47 | 1776.66 | 8946.78 |
| 41 | 2029-01 | 1802.12 | 21.25 | 1780.88 | 7165.90 |
| 42 | 2029-02 | 1802.12 | 17.02 | 1785.11 | 5380.80 |
| 43 | 2029-03 | 1802.12 | 12.78 | 1789.35 | 3591.45 |
| 44 | 2029-04 | 1802.12 | 8.53 | 1793.59 | 1797.85 |
| 45 | 2029-05 | 1802.12 | 4.27 | 1797.85 | 0.00 |
等额本金还款方式：
贷款总额：7.68万
还款月数：3年9个月
首月还款：1889.71元
每月递减：4.05元
利息总额：4196.62元
本息合计：8.1万
节省利息：72.99元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-09 | 1889.71 | 182.46 | 1707.24 | 75118.76 |
| 2 | 2025-10 | 1885.65 | 178.41 | 1707.24 | 73411.51 |
| 3 | 2025-11 | 1881.60 | 174.35 | 1707.24 | 71704.27 |
| 4 | 2025-12 | 1877.54 | 170.30 | 1707.24 | 69997.02 |
| 5 | 2026-01 | 1873.49 | 166.24 | 1707.24 | 68289.78 |
| 6 | 2026-02 | 1869.43 | 162.19 | 1707.24 | 66582.53 |
| 7 | 2026-03 | 1865.38 | 158.13 | 1707.24 | 64875.29 |
| 8 | 2026-04 | 1861.32 | 154.08 | 1707.24 | 63168.04 |
| 9 | 2026-05 | 1857.27 | 150.02 | 1707.24 | 61460.80 |
| 10 | 2026-06 | 1853.21 | 145.97 | 1707.24 | 59753.56 |
| 11 | 2026-07 | 1849.16 | 141.91 | 1707.24 | 58046.31 |
| 12 | 2026-08 | 1845.10 | 137.86 | 1707.24 | 56339.07 |
| 13 | 2026-09 | 1841.05 | 133.81 | 1707.24 | 54631.82 |
| 14 | 2026-10 | 1837.00 | 129.75 | 1707.24 | 52924.58 |
| 15 | 2026-11 | 1832.94 | 125.70 | 1707.24 | 51217.33 |
| 16 | 2026-12 | 1828.89 | 121.64 | 1707.24 | 49510.09 |
| 17 | 2027-01 | 1824.83 | 117.59 | 1707.24 | 47802.84 |
| 18 | 2027-02 | 1820.78 | 113.53 | 1707.24 | 46095.60 |
| 19 | 2027-03 | 1816.72 | 109.48 | 1707.24 | 44388.36 |
| 20 | 2027-04 | 1812.67 | 105.42 | 1707.24 | 42681.11 |
| 21 | 2027-05 | 1808.61 | 101.37 | 1707.24 | 40973.87 |
| 22 | 2027-06 | 1804.56 | 97.31 | 1707.24 | 39266.62 |
| 23 | 2027-07 | 1800.50 | 93.26 | 1707.24 | 37559.38 |
| 24 | 2027-08 | 1796.45 | 89.20 | 1707.24 | 35852.13 |
| 25 | 2027-09 | 1792.39 | 85.15 | 1707.24 | 34144.89 |
| 26 | 2027-10 | 1788.34 | 81.09 | 1707.24 | 32437.64 |
| 27 | 2027-11 | 1784.28 | 77.04 | 1707.24 | 30730.40 |
| 28 | 2027-12 | 1780.23 | 72.98 | 1707.24 | 29023.16 |
| 29 | 2028-01 | 1776.17 | 68.93 | 1707.24 | 27315.91 |
| 30 | 2028-02 | 1772.12 | 64.88 | 1707.24 | 25608.67 |
| 31 | 2028-03 | 1768.07 | 60.82 | 1707.24 | 23901.42 |
| 32 | 2028-04 | 1764.01 | 56.77 | 1707.24 | 22194.18 |
| 33 | 2028-05 | 1759.96 | 52.71 | 1707.24 | 20486.93 |
| 34 | 2028-06 | 1755.90 | 48.66 | 1707.24 | 18779.69 |
| 35 | 2028-07 | 1751.85 | 44.60 | 1707.24 | 17072.44 |
| 36 | 2028-08 | 1747.79 | 40.55 | 1707.24 | 15365.20 |
| 37 | 2028-09 | 1743.74 | 36.49 | 1707.24 | 13657.96 |
| 38 | 2028-10 | 1739.68 | 32.44 | 1707.24 | 11950.71 |
| 39 | 2028-11 | 1735.63 | 28.38 | 1707.24 | 10243.47 |
| 40 | 2028-12 | 1731.57 | 24.33 | 1707.24 | 8536.22 |
| 41 | 2029-01 | 1727.52 | 20.27 | 1707.24 | 6828.98 |
| 42 | 2029-02 | 1723.46 | 16.22 | 1707.24 | 5121.73 |
| 43 | 2029-03 | 1719.41 | 12.16 | 1707.24 | 3414.49 |
| 44 | 2029-04 | 1715.35 | 8.11 | 1707.24 | 1707.24 |
| 45 | 2029-05 | 1711.30 | 4.05 | 1707.24 | 0.00 |