贷款7.68万（公积金贷款）房贷，还款3年3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3个月
每月还款：2064.87元
利息总额：3704.05元
本息合计：8.05万
| 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 | 2064.87 | 182.46 | 1882.41 | 74943.59 |
| 2 | 2025-10 | 2064.87 | 177.99 | 1886.88 | 73056.71 |
| 3 | 2025-11 | 2064.87 | 173.51 | 1891.36 | 71165.34 |
| 4 | 2025-12 | 2064.87 | 169.02 | 1895.86 | 69269.49 |
| 5 | 2026-01 | 2064.87 | 164.52 | 1900.36 | 67369.13 |
| 6 | 2026-02 | 2064.87 | 160.00 | 1904.87 | 65464.26 |
| 7 | 2026-03 | 2064.87 | 155.48 | 1909.40 | 63554.86 |
| 8 | 2026-04 | 2064.87 | 150.94 | 1913.93 | 61640.93 |
| 9 | 2026-05 | 2064.87 | 146.40 | 1918.48 | 59722.46 |
| 10 | 2026-06 | 2064.87 | 141.84 | 1923.03 | 57799.42 |
| 11 | 2026-07 | 2064.87 | 137.27 | 1927.60 | 55871.82 |
| 12 | 2026-08 | 2064.87 | 132.70 | 1932.18 | 53939.65 |
| 13 | 2026-09 | 2064.87 | 128.11 | 1936.77 | 52002.88 |
| 14 | 2026-10 | 2064.87 | 123.51 | 1941.37 | 50061.51 |
| 15 | 2026-11 | 2064.87 | 118.90 | 1945.98 | 48115.54 |
| 16 | 2026-12 | 2064.87 | 114.27 | 1950.60 | 46164.94 |
| 17 | 2027-01 | 2064.87 | 109.64 | 1955.23 | 44209.71 |
| 18 | 2027-02 | 2064.87 | 105.00 | 1959.88 | 42249.83 |
| 19 | 2027-03 | 2064.87 | 100.34 | 1964.53 | 40285.30 |
| 20 | 2027-04 | 2064.87 | 95.68 | 1969.20 | 38316.11 |
| 21 | 2027-05 | 2064.87 | 91.00 | 1973.87 | 36342.23 |
| 22 | 2027-06 | 2064.87 | 86.31 | 1978.56 | 34363.67 |
| 23 | 2027-07 | 2064.87 | 81.61 | 1983.26 | 32380.41 |
| 24 | 2027-08 | 2064.87 | 76.90 | 1987.97 | 30392.44 |
| 25 | 2027-09 | 2064.87 | 72.18 | 1992.69 | 28399.75 |
| 26 | 2027-10 | 2064.87 | 67.45 | 1997.42 | 26402.33 |
| 27 | 2027-11 | 2064.87 | 62.71 | 2002.17 | 24400.16 |
| 28 | 2027-12 | 2064.87 | 57.95 | 2006.92 | 22393.24 |
| 29 | 2028-01 | 2064.87 | 53.18 | 2011.69 | 20381.55 |
| 30 | 2028-02 | 2064.87 | 48.41 | 2016.47 | 18365.08 |
| 31 | 2028-03 | 2064.87 | 43.62 | 2021.26 | 16343.83 |
| 32 | 2028-04 | 2064.87 | 38.82 | 2026.06 | 14317.77 |
| 33 | 2028-05 | 2064.87 | 34.00 | 2030.87 | 12286.90 |
| 34 | 2028-06 | 2064.87 | 29.18 | 2035.69 | 10251.21 |
| 35 | 2028-07 | 2064.87 | 24.35 | 2040.53 | 8210.68 |
| 36 | 2028-08 | 2064.87 | 19.50 | 2045.37 | 6165.31 |
| 37 | 2028-09 | 2064.87 | 14.64 | 2050.23 | 4115.08 |
| 38 | 2028-10 | 2064.87 | 9.77 | 2055.10 | 2059.98 |
| 39 | 2028-11 | 2064.87 | 4.89 | 2059.98 | 0.00 |
等额本金还款方式：
贷款总额：7.68万
还款月数：3年3个月
首月还款：2152.36元
每月递减：4.68元
利息总额：3649.24元
本息合计：8.05万
节省利息：54.82元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-09 | 2152.36 | 182.46 | 1969.90 | 74856.10 |
| 2 | 2025-10 | 2147.68 | 177.78 | 1969.90 | 72886.21 |
| 3 | 2025-11 | 2143.00 | 173.10 | 1969.90 | 70916.31 |
| 4 | 2025-12 | 2138.32 | 168.43 | 1969.90 | 68946.41 |
| 5 | 2026-01 | 2133.65 | 163.75 | 1969.90 | 66976.51 |
| 6 | 2026-02 | 2128.97 | 159.07 | 1969.90 | 65006.62 |
| 7 | 2026-03 | 2124.29 | 154.39 | 1969.90 | 63036.72 |
| 8 | 2026-04 | 2119.61 | 149.71 | 1969.90 | 61066.82 |
| 9 | 2026-05 | 2114.93 | 145.03 | 1969.90 | 59096.92 |
| 10 | 2026-06 | 2110.25 | 140.36 | 1969.90 | 57127.03 |
| 11 | 2026-07 | 2105.57 | 135.68 | 1969.90 | 55157.13 |
| 12 | 2026-08 | 2100.90 | 131.00 | 1969.90 | 53187.23 |
| 13 | 2026-09 | 2096.22 | 126.32 | 1969.90 | 51217.33 |
| 14 | 2026-10 | 2091.54 | 121.64 | 1969.90 | 49247.44 |
| 15 | 2026-11 | 2086.86 | 116.96 | 1969.90 | 47277.54 |
| 16 | 2026-12 | 2082.18 | 112.28 | 1969.90 | 45307.64 |
| 17 | 2027-01 | 2077.50 | 107.61 | 1969.90 | 43337.74 |
| 18 | 2027-02 | 2072.82 | 102.93 | 1969.90 | 41367.85 |
| 19 | 2027-03 | 2068.15 | 98.25 | 1969.90 | 39397.95 |
| 20 | 2027-04 | 2063.47 | 93.57 | 1969.90 | 37428.05 |
| 21 | 2027-05 | 2058.79 | 88.89 | 1969.90 | 35458.15 |
| 22 | 2027-06 | 2054.11 | 84.21 | 1969.90 | 33488.26 |
| 23 | 2027-07 | 2049.43 | 79.53 | 1969.90 | 31518.36 |
| 24 | 2027-08 | 2044.75 | 74.86 | 1969.90 | 29548.46 |
| 25 | 2027-09 | 2040.08 | 70.18 | 1969.90 | 27578.56 |
| 26 | 2027-10 | 2035.40 | 65.50 | 1969.90 | 25608.67 |
| 27 | 2027-11 | 2030.72 | 60.82 | 1969.90 | 23638.77 |
| 28 | 2027-12 | 2026.04 | 56.14 | 1969.90 | 21668.87 |
| 29 | 2028-01 | 2021.36 | 51.46 | 1969.90 | 19698.97 |
| 30 | 2028-02 | 2016.68 | 46.79 | 1969.90 | 17729.08 |
| 31 | 2028-03 | 2012.00 | 42.11 | 1969.90 | 15759.18 |
| 32 | 2028-04 | 2007.33 | 37.43 | 1969.90 | 13789.28 |
| 33 | 2028-05 | 2002.65 | 32.75 | 1969.90 | 11819.38 |
| 34 | 2028-06 | 1997.97 | 28.07 | 1969.90 | 9849.49 |
| 35 | 2028-07 | 1993.29 | 23.39 | 1969.90 | 7879.59 |
| 36 | 2028-08 | 1988.61 | 18.71 | 1969.90 | 5909.69 |
| 37 | 2028-09 | 1983.93 | 14.04 | 1969.90 | 3939.79 |
| 38 | 2028-10 | 1979.25 | 9.36 | 1969.90 | 1969.90 |
| 39 | 2028-11 | 1974.58 | 4.68 | 1969.90 | 0.00 |