贷款7.68万（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：7.68万
还款月数：3年4个月
每月还款：2015.6元
利息总额：3798.13元
本息合计：8.06万
| 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 | 2015.60 | 182.46 | 1833.14 | 74992.86 |
| 2 | 2025-10 | 2015.60 | 178.11 | 1837.50 | 73155.36 |
| 3 | 2025-11 | 2015.60 | 173.74 | 1841.86 | 71313.50 |
| 4 | 2025-12 | 2015.60 | 169.37 | 1846.23 | 69467.27 |
| 5 | 2026-01 | 2015.60 | 164.98 | 1850.62 | 67616.65 |
| 6 | 2026-02 | 2015.60 | 160.59 | 1855.01 | 65761.64 |
| 7 | 2026-03 | 2015.60 | 156.18 | 1859.42 | 63902.22 |
| 8 | 2026-04 | 2015.60 | 151.77 | 1863.84 | 62038.38 |
| 9 | 2026-05 | 2015.60 | 147.34 | 1868.26 | 60170.12 |
| 10 | 2026-06 | 2015.60 | 142.90 | 1872.70 | 58297.42 |
| 11 | 2026-07 | 2015.60 | 138.46 | 1877.15 | 56420.27 |
| 12 | 2026-08 | 2015.60 | 134.00 | 1881.61 | 54538.67 |
| 13 | 2026-09 | 2015.60 | 129.53 | 1886.07 | 52652.60 |
| 14 | 2026-10 | 2015.60 | 125.05 | 1890.55 | 50762.04 |
| 15 | 2026-11 | 2015.60 | 120.56 | 1895.04 | 48867.00 |
| 16 | 2026-12 | 2015.60 | 116.06 | 1899.54 | 46967.45 |
| 17 | 2027-01 | 2015.60 | 111.55 | 1904.06 | 45063.40 |
| 18 | 2027-02 | 2015.60 | 107.03 | 1908.58 | 43154.82 |
| 19 | 2027-03 | 2015.60 | 102.49 | 1913.11 | 41241.71 |
| 20 | 2027-04 | 2015.60 | 97.95 | 1917.65 | 39324.06 |
| 21 | 2027-05 | 2015.60 | 93.39 | 1922.21 | 37401.85 |
| 22 | 2027-06 | 2015.60 | 88.83 | 1926.77 | 35475.07 |
| 23 | 2027-07 | 2015.60 | 84.25 | 1931.35 | 33543.72 |
| 24 | 2027-08 | 2015.60 | 79.67 | 1935.94 | 31607.79 |
| 25 | 2027-09 | 2015.60 | 75.07 | 1940.53 | 29667.25 |
| 26 | 2027-10 | 2015.60 | 70.46 | 1945.14 | 27722.11 |
| 27 | 2027-11 | 2015.60 | 65.84 | 1949.76 | 25772.34 |
| 28 | 2027-12 | 2015.60 | 61.21 | 1954.39 | 23817.95 |
| 29 | 2028-01 | 2015.60 | 56.57 | 1959.04 | 21858.92 |
| 30 | 2028-02 | 2015.60 | 51.91 | 1963.69 | 19895.23 |
| 31 | 2028-03 | 2015.60 | 47.25 | 1968.35 | 17926.87 |
| 32 | 2028-04 | 2015.60 | 42.58 | 1973.03 | 15953.85 |
| 33 | 2028-05 | 2015.60 | 37.89 | 1977.71 | 13976.13 |
| 34 | 2028-06 | 2015.60 | 33.19 | 1982.41 | 11993.72 |
| 35 | 2028-07 | 2015.60 | 28.49 | 1987.12 | 10006.61 |
| 36 | 2028-08 | 2015.60 | 23.77 | 1991.84 | 8014.77 |
| 37 | 2028-09 | 2015.60 | 19.04 | 1996.57 | 6018.20 |
| 38 | 2028-10 | 2015.60 | 14.29 | 2001.31 | 4016.89 |
| 39 | 2028-11 | 2015.60 | 9.54 | 2006.06 | 2010.83 |
| 40 | 2028-12 | 2015.60 | 4.78 | 2010.83 | 0.00 |
等额本金还款方式：
贷款总额：7.68万
还款月数：3年4个月
首月还款：2103.11元
每月递减：4.56元
利息总额：3740.47元
本息合计：8.06万
节省利息：57.67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 | 2103.11 | 182.46 | 1920.65 | 74905.35 |
| 2 | 2025-10 | 2098.55 | 177.90 | 1920.65 | 72984.70 |
| 3 | 2025-11 | 2093.99 | 173.34 | 1920.65 | 71064.05 |
| 4 | 2025-12 | 2089.43 | 168.78 | 1920.65 | 69143.40 |
| 5 | 2026-01 | 2084.87 | 164.22 | 1920.65 | 67222.75 |
| 6 | 2026-02 | 2080.30 | 159.65 | 1920.65 | 65302.10 |
| 7 | 2026-03 | 2075.74 | 155.09 | 1920.65 | 63381.45 |
| 8 | 2026-04 | 2071.18 | 150.53 | 1920.65 | 61460.80 |
| 9 | 2026-05 | 2066.62 | 145.97 | 1920.65 | 59540.15 |
| 10 | 2026-06 | 2062.06 | 141.41 | 1920.65 | 57619.50 |
| 11 | 2026-07 | 2057.50 | 136.85 | 1920.65 | 55698.85 |
| 12 | 2026-08 | 2052.93 | 132.28 | 1920.65 | 53778.20 |
| 13 | 2026-09 | 2048.37 | 127.72 | 1920.65 | 51857.55 |
| 14 | 2026-10 | 2043.81 | 123.16 | 1920.65 | 49936.90 |
| 15 | 2026-11 | 2039.25 | 118.60 | 1920.65 | 48016.25 |
| 16 | 2026-12 | 2034.69 | 114.04 | 1920.65 | 46095.60 |
| 17 | 2027-01 | 2030.13 | 109.48 | 1920.65 | 44174.95 |
| 18 | 2027-02 | 2025.57 | 104.92 | 1920.65 | 42254.30 |
| 19 | 2027-03 | 2021.00 | 100.35 | 1920.65 | 40333.65 |
| 20 | 2027-04 | 2016.44 | 95.79 | 1920.65 | 38413.00 |
| 21 | 2027-05 | 2011.88 | 91.23 | 1920.65 | 36492.35 |
| 22 | 2027-06 | 2007.32 | 86.67 | 1920.65 | 34571.70 |
| 23 | 2027-07 | 2002.76 | 82.11 | 1920.65 | 32651.05 |
| 24 | 2027-08 | 1998.20 | 77.55 | 1920.65 | 30730.40 |
| 25 | 2027-09 | 1993.63 | 72.98 | 1920.65 | 28809.75 |
| 26 | 2027-10 | 1989.07 | 68.42 | 1920.65 | 26889.10 |
| 27 | 2027-11 | 1984.51 | 63.86 | 1920.65 | 24968.45 |
| 28 | 2027-12 | 1979.95 | 59.30 | 1920.65 | 23047.80 |
| 29 | 2028-01 | 1975.39 | 54.74 | 1920.65 | 21127.15 |
| 30 | 2028-02 | 1970.83 | 50.18 | 1920.65 | 19206.50 |
| 31 | 2028-03 | 1966.27 | 45.62 | 1920.65 | 17285.85 |
| 32 | 2028-04 | 1961.70 | 41.05 | 1920.65 | 15365.20 |
| 33 | 2028-05 | 1957.14 | 36.49 | 1920.65 | 13444.55 |
| 34 | 2028-06 | 1952.58 | 31.93 | 1920.65 | 11523.90 |
| 35 | 2028-07 | 1948.02 | 27.37 | 1920.65 | 9603.25 |
| 36 | 2028-08 | 1943.46 | 22.81 | 1920.65 | 7682.60 |
| 37 | 2028-09 | 1938.90 | 18.25 | 1920.65 | 5761.95 |
| 38 | 2028-10 | 1934.33 | 13.68 | 1920.65 | 3841.30 |
| 39 | 2028-11 | 1929.77 | 9.12 | 1920.65 | 1920.65 |
| 40 | 2028-12 | 1925.21 | 4.56 | 1920.65 | 0.00 |